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Introduction

For most people around the world, financial security is difficult to achieve. Most individuals end up spending a large percentage of their wages to pay for bills and everyday essentials. In situations like these, very little money is set aside for future expenses or possible emergencies.

What Is Insurance?

Having inadequate savings poses a lot of risks, which is why people are often encouraged to buy insurance products. Insurance is a contract that provides individuals with financial protection against different kinds of losses in exchange for a regular premium.

Advantages of Insurance

Policyholders can take advantage of a wide variety of benefits depending on the kind of insurance they purchase. For example, a life insurance policy can provide compensation to a household after the primary breadwinner’s death. On the other hand, a health insurance policy can cover large medical expenses, such as surgeries and treatments. There are also insurance products that help protect businesses against liabilities and cover possible property damages.

Accessibility of Insurance

With the number of advantages you can get from insurance, it is clear that it is a good investment for those working their way towards financial freedom. However, not everyone can set aside money to pay for monthly or yearly premiums. A lot of people in developing countries earn just enough to cover their daily expenses, so investing in an insurance policy is often not an option. The desire to provide the lower class with the same financial opportunities as the middle and upper classes led to the popularity of microfinancing options.

Emergence of Microfinancing

While the concept of microfinance has been around since the 18^th century, it only gained popularity in 1976 through the efforts of Muhammad Yunus and the Grameen Bank in Bangladesh to help improve the lives of the poor. Since then, microfinancing options, such as microinsurance, have become more accessible, giving less fortunate households a chance to achieve financial security.

What Is Microinsurance?

Microinsurance is a generally more affordable type of insurance product designed to meet the financial needs of low-income individuals and families. It can help cover possible costs brought about by unforeseen events, such as injuries, deaths, and property damages.

How Does Microinsurance Work?

Think of microinsurance as a backup plan for emergencies. Much like traditional insurance products, a microinsurance policy acts as protection against specific risks that you may encounter. In exchange for a regular premium, your microinsurance provider gives you a set amount of funds that you can reimburse when you need it.

How Does Microinsurance Differ From Traditional Insurance?

Premium

The main difference between regular insurance and microinsurance is the premium required for each policy. Since microinsurance is generally for low-income households, premiums are considerably smaller to make it more accessible.

Coverage

Microinsurance products often protect policyholders against a specific type of risk. For example, a health insurance policy can cover medical expenses for injuries, checkups, emergency care, and more. A similar microinsurance product can provide similar coverage, but it may be only limited to accidental injuries and deaths.

This setup gives individuals the flexibility to choose a policy that covers only what is most necessary.

Language

Traditional insurance policies often include a lot of financial jargon. In comparison, microinsurance policies are written in simpler language since the people who purchase these products are usually not as well-versed in the terms used.

Microinsurance in the Philippines

For minimum wage earners, finding affordable insurance in the Philippines is a difficult task. Car insurance, health insurance, and personal accident insurance are some of the most common types available, but low-income individuals cannot even consider buying them because they have to spend their money on more important obligations. Thankfully, Cebuana Lhuillier offers comprehensive microinsurance plans, such as ProtectMax, to help these disadvantaged people.

The microinsurance industry in the Philippines has been steadily growing in recent years because its financial products are more affordable for minimum wage earners. There are even laws in place to ensure that these microfinancing options remain accessible to individuals and families who need them most.

Purchasing a microinsurance policy in the country is relatively easy because most available plans require minimal paperwork. Even with just a mobile phone and valid ID, individuals can already buy their own plan.

Paying for premiums is also convenient for most policyholders because of the wide variety of payment options available. A lot of microinsurance plans can be paid in cash or through mobile applications and salary deductions.

Some microinsurance providers even assist individuals in filing their claims. Underwriters also won’t have to wait too long for their reimbursement because the processing of required documents usually only takes a few days.

Who Should Get Microinsurance?

All minimum wage workers and low-income households are encouraged to get microinsurance products so they can take a step towards achieving financial security. This microfinancing option is also ideal for farmers, street vendors, and small business owners because it can help them invest more in improving their livelihoods.

Why You Should Get Microinsurance

Protection of Assets

Microinsurance plans allow underserved communities to protect their valuable assets without breaking the bank. Policyholders can also have peace of mind, knowing that these products can help them maintain their standard of living.

Access to Basic Services

Low-income households may not have enough funds to access even the most basic services. By purchasing a microinsurance policy, these families no longer have to worry about shelling out a large amount of money in case of medical emergencies or natural disasters.

Less Out-of-Pocket Expenses

With a microinsurance policy, low-income households don’t have to scramble for cash during a crisis. They can simply make a claim to get the funds they need to cover the costs of damages or medical emergencies.

More Chances to Save Money

Since policyholders don’t have to take out money from their savings to pay for unforeseen events, they can set aside more funds for other necessities. They also get a chance to save up for nonessential expenses that could help improve their quality of life.

Investment Opportunities

Several studies have shown that low-income individuals tend to invest more in their livelihoods and new business ventures when they are protected by microinsurance. Since they have additional savings for other expenses, they become more willing to take financial risks.

Convenient and Accessible Financial Services

Microinsurance plans are specifically designed with low-income individuals in mind. Therefore, these policies are easily accessible to those in the informal sector. Microinsurance products are also made to be as comprehensive as possible to meet the needs of these people.

Where To Get Microinsurance in the Philippines

If you are looking for microinsurance, turn to none other than Cebuana Lhuillier. Through our microinsurance plans, we provide Filipinos with accessible and affordable services that help minimize the financial impact of disasters and other unfavorable events. We have around 2,500 branches nationwide, so you can purchase our microinsurance products no matter where you are in the country.

All our policyholders can take advantage of the following:

Affordable Premiums

24-Hour Claims Processing (Terms and Conditions Apply)

Simple Contracts With Minimum Restrictions

Simple Claims Documentations and Requirements

Type of Microinsurance Products Available in the Philippines

Cebuana Lhuillier offers more than 20 insurance and microinsurance products designed to help you with your specific financial needs. Whether you want coverage for your car or your business, you can rely on us to provide you with a comprehensive plan.

Individual Microinsurance

These types of microinsurance products refer to plans purchased directly by the policyholder for their personal benefit. Policyholders are also responsible for paying all required premiums.

Cebuana Lhuillier offers the following types of individual microinsurance:

MicroEnterpriseProtek

This is a property insurance program that covers all risks of property damages, accidents, robberies, and others.

ProtectMAX

Depending on each policyholder’s needs, this microinsurance product can be purchased to cover natural and accidental death, unprovoked assault and murder, and accidental dismemberment and disablement. Cash assistance can also be offered for medical emergencies and residential fire reconstruction.

ERCare

This microinsurance plan covers medical expenses for the treatment of eligible emergency conditions. ERCare is valid for one year from the date of issuance.

TeleCare

Cebuana Lhuillier TeleCare is perfect for people who require regular medical consultations. Policyholders will have access to 24/7 consultation services from licensed doctors. Individuals who purchase this plan can also take advantage of additional services, such as e-prescriptions, online issuance of medical certificates, and ambulance services.

Personal Accident Basic

The Personal Accident Basic plan covers accidental death, dismemberment, and disablement.

Personal Accident MyCare

Similar to the Personal Accident Basic plan, this microinsurance product covers accidental death, dismemberment, and disablement. However, the Personal Accident MyCare program has several exclusions.

Personal Accident Plus

This microinsurance plan also covers accidental death, dismemberment, and disablement, but policyholders have the added benefit of cash assistance for fires.

Personal Accident Prime

Cebuana Lhuillier Personal Accident Prime covers murder and unprovoked assault as well as accidental death, dismemberment, and disablement. Policyholders of this plan also get livelihood assistance, fire cash assistance, and a burial benefit.

HealthCare Plan Dengue

Individuals who purchase this health insurance plan will receive cash assistance for the treatment of diagnosed dengue patients.

HealthCare Plan Dengue+

This microinsurance product is similar to HealthCare Plan Dengue because it provides cash assistance for diagnosed dengue patients. However, this plan also covers accidental death or disablement.

COVID-19 Cash Assistance Benefit+

Through this program, we provide our clients with personal accident insurance that covers accidental deaths as well as those caused by COVID-19, dengue, and chikungunya. Policyholders will get loss of life cash assistance, medical reimbursement, and a daily hospital income benefit.

Pet Care Insurance

Individuals who want extra protection for their pedigreed dogs can purchase Pet Care Insurance from Cebuana Lhuillier. This microinsurance plan includes medical reimbursement, burial assistance, and more.

MicroBiz Protek

MicroBiz Protek is a comprehensive property and personal accident insurance plan specifically made for microenterprises in the Philippines. It protects the property and its contents against natural disasters, burglaries, and robberies. The policy also covers accidental death, permanent disablement, and accident medical reimbursement.

Group Microinsurance

Group microinsurance plans are provided to employees in a company. The premiums for these financial products may either be paid in full by the organization or shared with the member.

Cebuana Lhuillier offers the following types of group microinsurance:

TanodCARE

This microinsurance program is designed for barangay tanod officials and other personnel in the organization. Enrollees will have coverage for accidental death, disablement, and dismemberment, permanent total disability, unprovoked murder and assault, and more.

TodaCARE

Our TodaCARE plan was created to provide financial protection for transport group leaders, officers, and members. This program includes accident medical reimbursement, accident daily hospital income, and a burial benefit.

StudentCARE

With the Cebuana Lhuillier StudentCARE plan, educational institutions can protect their students from various dangerous situations. This microinsurance program has coverage for incidents, such as unprovoked murder and assault as well as accidental death, disablement, and dismemberment.

EmployeeCARE

Companies who purchase EmployeeCARE can provide their workers with medical cash aid for accidents, burial benefits, and coverage for personal liabilities.

SecurityCARE

The Cebuana Lhuillier SecurityCARE plan is a group personal accident insurance product for security guards and officers. Coverage of this program includes accident medical reimbursement, burial benefits, and more.

Other Insurance Products

Aside from our wide variety of microinsurance plans, Cebuana Lhuillier also offers several affordable insurance plans in the Philippines. These include compulsory third party liability (CTPL) insurance, general liability insurance, and bonds.

AutoCARE

Unlike CTPL insurance required by the government, our affordable car insurance plan provides coverage for damages, thefts, bodily injuries, and more.

MotorCARE

Through this insurance product, individuals can protect their two-wheeled vehicles against acts of nature, damages, thefts, and other incidents.

PharmaCARE or Insuremed

This personal accident insurance program is designed for consumers of various pharmaceutical products, including medicine. Insured members will receive cash assistance for fires as well as coverage for unprovoked murder and assault and accidental death, dismemberment, and disablement.

NegosyoCARE

Individuals with micro, small, or medium enterprises can purchase NegosyoCARE to protect their businesses from burglaries, robberies, and property damages. Policyholders will also have coverage for their money, securities, and payroll.

HomeCARE Insurance

Through our HomeCARE Insurance plan, individuals can protect their residential property and its contents from natural disasters, such as fires, earthquakes, typhoons, and floods.

Engineering Insurance

This insurance program is designed for various construction and civil engineering projects, such as buildings, roads, and bridges. The plan includes coverage for accidents that may result in the loss or damage of works in progress, materials, construction equipment, and machinery.

How To Buy Microinsurance From Cebuana Lhuillier

With all the microinsurance options we offer, you will surely find a financial product that provides the coverage you require. We have made the buying process easy so you can apply for a program as quickly as possible.

Read carefully through each policy to determine which one works best for you. Once you’ve decided what plan meets your needs, visit any Cebuana Lhuillier branch and request the microinsurance program you want. You will then be asked to present payment for the Certificate of Cover. After you fill out and submit your Certificate of Cover, you can finally secure a certificate for the microinsurance policy.

Once you are insured, you can enjoy the various benefits that come with your microinsurance plan.

Conclusion

Whether you want to protect your assets or you need backup funds for emergencies, a microinsurance plan can help you achieve your goals. These innovative microfinancing options could be the products you need to progress in your journey toward financial freedom.

No matter your financial needs, you can rely on Cebuana Lhuillier to assist you. Our team has the knowledge and skills to help you understand our wide variety of financial products. We will explain everything you need to know about each microinsurance policy to ensure that you make an informed decision.

For additional information about our microinsurance programs, feel free to get in touch with us today. You may also reach out to us to learn more about our other financial services and products. We will be more than happy to address any of your questions or concerns. Our team looks forward to hearing from you!

Introduction

Saving money is difficult for most people because monthly wages are often just enough to cover everyday expenses and bills. Even if individuals can set aside a small amount of money, it may still take some time to earn enough for large purchases, whether essential or not. In cases like these, financing options, such as loans, may be the best recourse to obtain the necessary funds.

What Is a Loan?

A loan is a sum of money that is lent to another party. The full amount of the debt must be repaid in the future, including any interest charged by the lender. Recipients may also be asked to provide collateral before any funds are exchanged.

Loans may be given to individuals, companies, and even governments to help them cover planned and unplanned costs. Those in need of additional funds may acquire loans from banks, corporations, and other financial institutions.

What Are Loans Used For?

One of the common reasons consumers apply for loans is to cover large purchases and general living expenses. Loans are also common for individuals who may want to start their own businesses or grow their brands. To meet the financial needs of their customers, most institutions offer a wide variety of loan programs.

Types of Loans

All loans are categorized as either secured or unsecured. The former refers to loans that require collateral, while the latter does not. Since unsecured loans do not require collateral, they tend to have higher interest rates because of the risks.

Personal Loans

This is a highly versatile type of loan because it can cover the costs of medical emergencies, vacations, college tuitions, relocations, and much more. It is also common for consumers to get personal loans in the Philippines to consolidate their debts.

Salary or Payday Loans

These loans are short-term financing options that offer small amounts of money, which are typically due by the borrower’s next payday. While these loans may be helpful for emergencies, they could potentially lead consumers deeper into debt because of high interest rates and additional fees.

Calamity Loans

Individuals who live in areas under a state of calamity can take advantage of these loan programs to ease the financial burden caused by disasters. These types of loans are typically offered by government agencies.

Auto Loans

Consumers can get auto loans in the Philippines to purchase new or used vehicles. These financing options are usually offered by car dealerships, banks, and other lending institutions. For these types of loans, the vehicle being bought is also used as collateral if the borrower misses payments.

Home Loans

People planning to purchase houses, condo units, or empty lots can benefit significantly from a home loan. This financing option makes home-buying more accessible to average consumers because it provides them with the funds they need to buy or build a place to live. Some home loans in the Philippines can also be used for property renovations or additions.

Gadget or Appliance Loans

These types of loans are specifically used to purchase electronics and appliances, including computers, mobile devices, refrigerators, and ovens. Gadget or appliance loans usually have shorter payment terms that range from 6 to 24 months.

Credit Cards

Every transaction made using a credit card is essentially like taking out a small personal loan that must be repaid next month. If the balance is not paid in full, the credit card company may charge interest and additional fees.

Unlike traditional loan programs, credit card plans often come with various benefits and rewards for the purchases made. Some credit card companies also promote zero-interest periods as an incentive for consumers to apply for their plans.

Business Loans

Small business owners often apply for loans to keep their establishments up and running. There are a variety of business loans that provide these owners with the funds needed to pay for daily expenses, rent, equipment, and more. These types of loans are also typically used to start new businesses or expand existing ones.

What Are the Advantages and Disadvantages of Getting a Loan? 

Loans give consumers quick access to cash that they may need for immediate concerns. These financial products also allow individuals to make nonessential transactions that could help increase their quality of life.

However, applying for loan programs can be a complicated process with a lot of paperwork and requirements. High interest rates could also potentially increase the borrower’s debt. Aside from these, loans are not easily accessible to low-income individuals because they do not meet qualifications set by lenders. This inaccessibility is what led to the rise of microfinancing options, such as microloans.

What Is a Microloan? 

Much like traditional loans, microloans are sums of money that must be repaid to the lender. The main difference of this financial product is the amount of funds given to the borrower. These loans are typically smaller because they are meant to help low-income or disadvantaged individuals with their financial needs.

Microloans also typically have simpler application processes and more flexible requirements compared to traditional loans. These qualities make microloans much more accessible and convenient for those in need.

If you’re looking for microloans in the Philippines, turn to Cebuana Lhuillier! We offer a variety of programs to assist you with your financial needs. Whether you need money to pay for a hospital bill or a new phone, you can rely on us to give you the funding you require.

How Does a Microloan Work? 

These microfinancing options work just like traditional loans. However, they are usually provided by microlending companies instead of banks. Traditional lenders, such as banks, often focus on making a profit, and microloans are not considered profitable because of the various risks for the lender. On the other hand, microlenders aim to develop the informal sector by giving low-income individuals and households access to additional funds.

What Are the Differences Between Microloans and Traditional Loans?

Amount of Funds

Microloan programs typically offer smaller amounts of money to borrowers, which makes them excellent solutions for urgent payments, such as hospital bills and vehicle repair fees. In the Philippines, Cebuana Lhuillier offers microloans for as low as 5,000 PHP.

Interest Rates

Interest rates for microloans tend to be higher than traditional bank loans because of the risks they pose for lenders. However, since the loaned amounts for these programs are smaller, they are easier to pay back. This means that an individual pays less overall interest if the microloan is repaid early.

The interest rates for Cebuana Lhuillier microloans range from 4% to 10% per month.

Loan Terms

Microloans typically have shorter repayment terms because lenders only offer a small amount of money. At Cebuana Lhuillier, borrowers are expected to repay the loaned amount within three to four months, depending on the loan they get.

Microloans in the Philippines

The microfinancing industry in the Philippines has been growing steadily over the years because of its accessibility to minimum wage earners. The Bangko Sentral ng Pilipinas (BSP) reported a 32% increase in microloans from 2017 to 2019. Based on this data, it is clear that Filipinos are looking for more affordable alternatives to traditional financial products.

As part of the government’s advocacy for financial inclusion in the country, the BSP has implemented several regulations to ensure that microfinancing institutions continue to provide affordable options for low-income households and individuals.

Since microloans are targeted towards people in the informal sector, application processes are often simple and easy to understand. Individuals interested in applying for loans typically only need a valid government ID and proof of financial stability, such as payslips, utility bills, or statements from current loan accounts.

These microloan programs also tend to have flexible repayment terms to give recipients adequate time to pay back the money they borrowed.

Who Should Get Microloans? 

Traditional lenders are often not inclined to accept loan applications from low-income individuals because of the lack of information on their credit history and ability to provide collateral. Because of this, microloan programs serve as the best option for people who do not qualify for traditional bank loans. Microloans allow those in underserved communities to gain immediate access to additional funds that can help pay for their urgent needs.

Aspiring entrepreneurs who want to jump-start their businesses also benefit greatly from microloans because it allows them to acquire the capital they need. Additionally, microloan programs provide small business owners with money that can help further the growth and development of their companies.

What Are the Advantages of Getting a Microloan?

Fast Approval

Since microloans are often used by people who need emergency funds, microlending companies tend to approve applications within a short period of time. Cebuana Lhuillier has an easy application process, so you don’t have to worry about wasting valuable time in long lines.

Fewer Complications

Because microloan processes are simplified, complications are less likely to happen. These financial products are specifically designed to make repayments easier for borrowers so that they do not fall into debt.

Easy Eligibility

Microlending companies typically do not need a lot of requirements for loan applications. Potential borrowers do not need credit histories or high credit scores to be able to acquire the funds they need. At Cebuana Lhuillier, individuals applying for microloans can simply provide valid identification and proof of financial stability. However, those applying for business loans need to present additional legal documents, such as business licenses and registrations.

More Opportunities

According to Plan International Canada, families who receive microfinancing are “less likely to pull their children out of school for economic reasons.” This means that microloans can help households improve their quality of life and potentially lift themselves out of poverty.

Microloans also allow entrepreneurs to establish their businesses and keep them operational. The establishments they put up can also create job opportunities for other individuals in their local communities.

Essential Things to Remember Before Applying for a Microloan

Taking out a microloan is a decision that should not be taken lightly. Before you even consider your options, you should determine if a loan is really necessary for your situation. If there are other solutions to your financial concerns, you shouldn’t disregard them just because a microloan seems more convenient.

Research Your Options

The most convenient microloan programs are not necessarily the best options available to you. It is important to look at offerings from various microfinancing institutions and traditional lenders to see how each financial product can benefit you. Even if you think you won’t qualify for a specific program, it could still be worth applying to.

Compare Your Preferred Microloan Programs

Once you’ve narrowed down your search, compare the terms of each program. Take note of how the loan amounts, interest rates, and repayment periods can affect your ability to pay back the loan. You should also try to find out if lenders charge any hidden fees. After studying the specifics of each microloan, choose the one that best meets your needs.

Prepare Requirements

When you’ve finally decided which lender to go to, prepare the necessary documents before filing your application. The most common requirements include government IDs, financial documents, and cash flow statements. In case the lender requires collateral, you should also prepare the necessary assets.

Where To Get Microloans in the Philippines

No matter where you are in the Philippines, you can rely on Cebuana Lhuillier to provide you with excellent microloan programs. We have around 2,500 branches nationwide, which allows us to provide highly reliable financial services to clients throughout the country.

All of our microloan programs have simple application processes and minimal requirements so that you can quickly acquire all the funds you need. Our programs also have flexible terms to make them more accessible to you.

To make the application process even more convenient, you can apply for any of our loans through our website. We also have a five-point application for the disbursement process that ensures all our services are delivered on time.

What Kinds of Loans Does Cebuana Lhuillier Offer?

Under our microloan programs, we provide Lucky Loans and Happy Loans. The former is offered to registered entities and small to medium enterprises to help them achieve their business goals. On the other hand, Happy Loans are personal loans in the Philippines that allow individuals to get money for their necessary expenses. We also offer Gadgets Loans for people who want to get funds to pay for various electronics or appliances.

Cebuana Lhuillier also offers exceptional home loans and auto loans in the Philippines. Whether you want to buy a new house or car, renovate your existing property, or have your vehicle repaired, we have a loan program that meets your needs.

Aside from these programs, we offer Agricultural Loans for small agricultural businesses. These loans are perfect for farmers who want to increase their resources and develop their professional expertise.

Employee Salary Loans are also exclusively available for all regular employees of the PJ Lhuillier Group of Companies.

Conclusion

With a wide range of innovative microfinancing options available in the Philippines, you no longer have to worry about not having access to essential financial services. Taking advantage of these products can help you take another step toward achieving financial freedom.

You can apply for a microloan if you need emergency cash or want to invest in ways to boost your quality of life. If you’re an aspiring entrepreneur, you can also finally get the money you need to start your business and improve your financial situation. Whatever your reason for getting a microloan, you can rely on Cebuana Lhuillier to make the process as simple as possible.

We have decades of experience in the industry, so you can trust that we have the knowledge and skills to help you find the right microloan program for your needs. Our team will work closely with you to give you a better understanding of our financial products and assist you in determining the best one.

Feel free to get in touch with us today to learn more about our loans and microloans. You may also reach out to us for information about our other financial services. We will be more than happy to address any of your questions or concerns. Our team looks forward to serving you!

Saving money as a student can be difficult. Most college and high school students are living on a tight budget, depending only on the allowance they get from their parents.

As difficult as it is, there are still ways you can be smart about managing your money as a student. In today’s post we will be sharing saving tips for students.

1. Record and Track Your Daily Expenses and Savings

It will be best if you learn to keep track of your finances early. Keep a record of where your allowance goes from transportation and lunch to school needs you have to pay. Having this record will help you determine where you can spend less in order to save more.

2. Learn to be Frugal

Most students don’t think about frugality and saving money early. But living frugally is one of the best initiatives you can do as a student.

From bringing your own packed meals to your own water bottle to school. These actions will help you save more money. You can also do the same with your transportation expenses. Try walking the short distances instead of riding a jeepney or motorcycle if you can.

 

3. Find Small Ways You Can Earn Extra Money

A great saving tip for students is to use your time wisely. Spend your summer breaks finding activities you can do which will let you earn extra money.

Try selling things you no longer need such as your old books and ask for school supplies or textbooks you need for that year or for the next semester. With this, you can have what you need for school without the use of money.

You can also use your talent such as writing, logo-making, or editing videos as a side hustle.

 

4. Save Money on Your Prepaid Loads

Most of you are taking online classes right now and buying prepaid load for your cellphone or your internet connection. Try to search on ways you can reduce the money you spend on load through rebates.

 

5. Avoid peer-pressure

Peer pressure is powerful influence in the lives of students. One of the best decisions you can make is to learn how not to give in to financial peer pressure. True friends will understand your position in terms of spending your hard-earned money.

 

6. Study hard

Education is the most powerful investment you can make, and no one can snatch it away from you. Study hard so you can qualify for scholarships where you get to earn extra allowance and save more money. Even if you don’t get any scholarships, remember that knowledge is power. Just learn as much as you can, study hard.

 

7. Open a savings account

Did you know that a student ID can now allow you to open your own savings account? Yes!

 

Having a savings account will ensure your savings are protected. It could also help you earn interest with the money you save. With CebuanaLhuillier’s Micro Savings Account, you can open for just Php 50 initial deposit and one (1) valid ID. You can also ask for your parents’ help in case you are nervous to open on your own.

See? You can definitely save money as a student. Take advantage of your student status and build good financial habits as early as you can. Try to search your peso further with the above saving tips.

Introduction

Whether you are purchasing gifts or settling bills, an online payment system is the most convenient way to complete your transactions. You no longer have to worry about leaving your home or waiting in long lines just to pay a small amount of money.

A lot of businesses have integrated online payment systems into their digital platforms to keep up with the needs of their customers. Several of the companies that provide this service also allow you to use their systems from any device, which makes it easily accessible for most people.

Online Bills Payment Philippines

• What is an Online Bills Payment?

Money that is traded electronically is referred to as an online transaction. Computer networks, the Internet, and digital stored value systems are often used for this process. Today, most transactions are paid online: food deliveries, tuition payments, utility bills, loans, rent, credit card fees, and so on.

• Why Do We Have to Pay Online in the Philippines?

Nowadays, online bills payments systems are available in the Philippines for convenience. From the comfort of your home, you could pay for any item and service without being physically present elsewhere. In comparison to traditional payment setups, online payments can be accomplished wherever you are.

When you pay online, you can review your account balance to see if your bill payment has been scheduled or if you have been charged. Other advantages include the ability to check for individual payments online, view online payment history, and set up email notifications to keep you informed about upcoming payments.

We live in a world where technology has helped humans in various ways. Instead of getting stuck on the traditional setup, humans have created systems that simplify everyday processes. Thankfully, we have Cebuana Lhuillier as a financial services provider for pawning, remittance, microinsurance, and micro savings.

Bills Payment Philippines

• Bills Payment Options In The Philippines

• Malls/utility company’s offices

These days, Filipinos can pay through bills payment centers like malls or utility company outlets . In fact, a bills payment counter can be found in almost every mall in the Philippines.

• Online Payment

The Philippines has one of the lowest card penetration rates globally. Most online transactions are made using alternative online payment methods. In fact, you can pay your bills online in two ways: through your bank’s online platform or third-party mobile apps, such as digital wallets.

Online Bank Transfer

The majority of eCommerce transactions (estimated at 30-70 percent depending on industry and vertical) are made with cash-on-delivery and online bank transfers. The Philippine market is notable for its low level of credit card use and rapid growth in mobile as a payment platform.

In the Philippines, banks such as Banco De Oro (BDO), Metrobank, Bank of the Philippine Islands (BPI), Rizal Commercial Banking Corp (RCBC), and others accept this payment method. Payments can be made through the shopper’s own online banking website.

Mobile apps

Online merchants use alternative online payment systems to enable customers to make purchases online. Internet use in the Philippines is rising at one of the highest rates in the world, with 70 percent of Internet users being between the ages of 15 and 34. Consumers around the country have been in the house for months, doing much of their shopping online—and the pattern shows no signs of slowing down.

Touching a credit card reader isn’t sanitary, and cash is so last century. By using mobile payment apps, you can easily send payments using your smartphone. These systems are perfect for small transactions, such as online orders and daily purchases.

Furthermore, mobile payment apps can help mitigate the risk of carrying cash, which can be lost or stolen. Paying with your digital wallet is also simpler and quicker than swiping or inserting a credit or debit card.

Many retailers accept mobile payments, and the number of stores accepting this technology is growing every day. Online bills payment systems make it easier for you to keep track of everything because all transaction information is in one location. You can quickly tell whether anything is written wrong or whether you have made a payment.

• What is the best way to pay bills online?

Cebuana Lhuillier provides a convenient bills payment option. All transactions are online and completed quickly and safely. Large telecommunication networks, insurance providers, online enterprises, and schools are among our existing partners.

• Is there an app to pay all bills at once?

Yes, there are apps that allow you to pay all bills at once. Applications, such as GCash, GrabPay, PayMaya, Coins.PH, BanKO, and PayPal, help Filipinos minimize stress and accomplish all payments at once. These apps are used to pay bills, make QR transactions, book movies, as well as send and receive money. Make sure you’re using the right mobile app. Check the name on the bank’s website or click on the link they provided.

Paying your bills on time is a difficult but necessary errand. If you don’t, you risk falling behind on your dues, which can put you in debt, damage your reputation, and even prevent you from buying the things you’ve been aiming for.

Online Payment Philippines

Customers can pay for goods and services through a website using online payments. Here are some of the most important benefits of using online bills payments in the Philippines.

• Low Labor Costs

Because online payments are typically automated, they have lower labor costs than manual methods such as checks, money orders, cash, and EFTPOS.

• Convenience for Online Sales

Online payment methods make it easy to digitally sell and pay for goods and services.

• Automatic Setup

Online payments can be set up to be automatic, which allows you to not miss a due date or make simple errors during the transaction.

• Quick Transaction Speed

Online transactions provide you and your customers with immediate feedback.

• Security From Theft

Online payments are usually encrypted, and they go directly into your bank account, so they pose little risk of theft.

• Time-Saving Possibilities

Paying with a card, mobile wallet, or wearable device is almost always faster than paying with cash. Customers save time by simply swiping or tapping to pay. There’s no need to rummage through wallets or purses for coins, as the exact amount could automatically be deducted from your account balance.

• Payment Assurance

When you process an electronic transaction and your terminal approves it, you can be confident that the payment will appear in your account very soon. Unlike cash, which requires you to transport and deposit it at the bank, no time-consuming extra step is required.

• No Extra Costs

If you already accept chip and PIN payments, you do not have to worry about any additional fees when you start accepting contactless payments. You simply need to pay the same amount as you would for a standard credit card transaction. There are numerous packages available to accommodate businesses of all sizes, budgets, and transaction volumes.

Electronic payments, as well as the benefits they provide, are only one aspect of a well-functioning payment infrastructure. If you want to learn more, contact Cebuana Lhuillier for details and inquiries.

Cebuana Lhuillier

The PJ Lhuillier Group of Companies (PJLGC), founded in 1988, is a dynamic and multi-industry company. We own and operates businesses that provide financial services such as pawning, remittance, microinsurance, micro savings, and business-to-business micro loan solutions.

Over the years, we have grown to become one of the country’s most powerful financial services companies. Since opening our first Agencia Cebuana in Cebu, we have made significant strides toward our goal of becoming the best.

In addition to pawning, money transfer, insurance, and banking, Cebuana Lhuillier provides other services to meet the needs of our customers. Foreign exchange and business-to-business transactions such as bill payment, e-load, and corporate payout are available in some of our branches.

You can expect to have a decent and effective online bills payment with us. Please approach our friendly branch personnel or contact our Customer Care Unit at the following contact details from 9:00 am to 6:00 pm (Monday – Sunday) for inquiries, comments, and/or suggestions.

FACEBOOK

Inquire via Facebook at cebuanalhuillierpawnshop

EMAIL

Inquire via email at [email protected]

SMS

Inquire via text message:

GLOBE 0917-8122737

SMART 0918-8122737

VIBER 0917-8122737

*Text only. No voice calls.

CALL

Phone in your inquiry

(02) 8779-9800 (PLDT)

(02) 7759-9800 (Globelines)

List of Bills Payment Partners

Our branches at Cebuana Lhuillier also serve as bills payment locations. We conduct all transactions online, and we complete them in a timely and secure manner. Its current partners include major telecommunications networks, insurance companies, online businesses, and educational institutions.

List of Bills Payment Partners:

Globe/Globelines/GQuest

PLDT

Smart/SmartBro

Smart Marino

Sun Cellular

Wi-Tribe

Cignal

Converge ICT Solutions Inc.

G-Sat (Globe Satellite)

Angeles City Cable Television Network (ACCTN)

Central Luzon Cable Television Network (CLCTN)

BPI Credit Cards

 

LOAN PAYMENTS

123 Lending Corporation

Aeon Credit Service

Asialink Finance Corporation

Finaswide Credit Corp.

Global Dominion Financing, Inc.

Grolier International Finance Inc.

Home Credit

Makati Finance

Mentors Philippines

Metrobank Credit Card

Metro Quicash Lending Corp.

Monielend Corporation

Sumisho Motor Finance Corp.

South Asialink Credit Corp.

Unionbank Loans

Microfinance Maximum Savings Bank, Inc. (Maxbank)

Easy pay Finance Corporation

RCollect

Country Funders and Lending Investors Corp.

123 Finance

 

INSURANCE

APEC Plans

Cocolife (UCPB)

Manulife Financial Plans

Manulife Philippines

Sunlife of Canada (Philippines) Inc.

Allianz PNB Life Insurance Inc

 

AIRLINES

Air Asia Zest

Skyjet Airlines

Cebu Pacific Air

Philippine Airlines

Tiger Airways

 

UTILITIES

Benguet Electric Cooperative Inc. (BENECO)

BP Waterworks, Inc.

E-Prime

Goodhands Water Specialists, Inc.

Happywell Mgt. and Collection Sevices, Inc.

Meralco

Kuryente Load (Meralco)

Manila Water

Maynilad

Benguet Electric Cooperative Inc. (BENECO)

E-Prime

NEECO II Area 1 (Nueva Ecija II Electric Cooperative, Inc. Area 1)

NEECO 2 Area 2 (Nueva Ecija 2 Electric Cooperative, Inc. Area 2)

OEDC (Olongapo Electricity Distribution Company)

Subic Enerzone Corporation

Subic Water

Zambales I Electric Cooperative, Inc. (ZAMECO 1)

Zambales II Electric Cooperative, Inc. (ZAMECO 2)

Batangas II Electric Cooperative (BATELEC 2)

BOHECO 1 (Bohol I Electric Cooperative, Inc.)

BOHECO 2 (Bohol II Electric Cooperative)

Consolacion Water Systems Inc.

Helpmate, Inc.

Samar II Electric Cooperative, Inc. (SAMELCO 2)

Visayan Electric Company (VECO)

Iloilo I Electric Cooperative (ILECO 1)

Cotabato Light & Power Company

Davao Light & Power Company

Davao Oriental Electric Cooperative Inc. (Doreco)

Davao Del Sur Electric Cooperative Inc. (DASURECO)

 

CABLE/SATELLITE TV

Cignal

BP Waterworks, Inc.

G-Sat (Globe Satellite)

Sky Cable Prepaid

Angeles City Cable Television Network (ACCTN)

Central Luzon Cable Television Network (CLCTN)

 

SCHOOLS

Lorma Colleges, Inc

Inspire Leadership Consultancy

Asian College

Jose Rizal University

Ateneo De Davao University

Mapua Institute of Technology

Davao Doctors College Inc.

University of Mindanao

Technological Institute of the Philippines (Manila)

Technological Institute of the Philippines (QC)

ICCT Colleges

 

FOUNDATIONS

Alagang Kapatid TV5

Caritas Manila

Children’s Hour

GMA Kapuso Foundation

Philippine Red Cross

World Vision

Cebuana Lhuillier Foundation, Inc.

Alagang Kapatid TV5

Philippine Red Cross

 

INTERNET GROUP BUYING SITES/ONLINE STORES

DragonPay Corporation

EZ Shop

Kimstore

Marikina Shoe Exchange

Natasha

OLX (formerly Sulit.com)

Lazada

Skybridge Payment, Inc.

Forever Living Products Philippines, Inc.

 

GOVERNMENT

DFA thru Multipay

NBI

Maritime Industry Authority (MARINA) thru Multipay

SSS – PRN

SSS – BRN

PAGIBIG

Philhealth

 

JEWELRY

Just Jewels

 

TELCOS 

ABS-CBN Mobile

Globe/Globelines/GQuest

GCash

PLDT

Smart/SmartBro

Smart Marino

Sun Cellular

 

OTHERS

Bellavita Land

BuyBit

Coins.ph

Ever Bilena Cosmetics Inc.

JC Worldwide Franchise Inc.

Le Soleil de Boracay

Level Up

Probikes Motorcycle Center

RLC – Robinsons Home

Phiten

SuySing

VMoney

Philsmile Inc.

Unified Tennis Association

Tanay Rural Bank

Automobile Association of the Phils Inc.

Sme Banking Solutions

Paynamics Technologies Inc.

Cash Credit

RLC – Residential

Action.Able Inc.

MSS Cycle Monthly Installment

E-load

Cebuana Lhuillier is an accessible loading station for prepaid internet and mobile phone users subscribed to major telecommunication networks.

 

List of E-Load partners:

Cignal

Globe/Globelines/GQuest

PLDT

Red Mobile

Smart

Smart Broadband

Sun

Touch Mobile

Level Up!

Wi-tribe

Marino Textmate/Phonepal

GSAT – Global Satellite

Frequently Asked Questions about Online Bills Payment

• What is the most efficient way to pay bills online?

Electronic bills payment not only eliminates the need for postage, but it also simplifies the process. It also helps end users to avoid costly mistakes. Because no one wants to pay extra to manage their bills online, it’s useful to understand the best ways to pay your bills online for free and how to set these services up.

The online platforms for your bank or credit account are most likely the best ways to pay bills online. If you have a checking account, your financial institution most likely provides this feature for free.

• How to pay bills when you don’t have a bank account?

There are many alternatives for bills payment if you don’t have a bank or checking account. Your primary options are check cashiers, money orders, and prepaid debit cards.

• Do online payments go through right away?

If you pay by credit card online or by phone, it takes one to three business days for the payment to be posted. Payments sent through the mail will take a few days longer. If your credit card is linked to your checking account and the same bank holds both accounts, your payment may be posted immediately after the transaction.

• How long does it take for an online payment to be processed?

On a business day and during business hours, electronic payments made online or by phone will be posted to your credit card account faster than a mailed check. You don’t have to wait for the mail to reach your credit card company when you use electronic payments.

Conclusion

Banks and other large corporations use encryption and other technologies to protect their customers’ personal and financial information. Generally, paying bills online is one of the safest and most convenient ways to ensure that you never miss a due date without worrying about physical transactions.

Introduction

Saving money is one thing people aim to do but is often difficult to commit to. While banks and other financial institutions offer several options to help individuals start saving money, these services are not easily accessible to everyone. Low-income earners are at a disadvantage because most of the resources available to them often come at a high price.

Act of Saving

One of the essential aspects of accumulating capital and ensuring a stable financial future is by saving money. This gives you a way out of life’s uncertainties and allows you to lead a more fulfilling life. Setting aside some funds for emergencies allows you to prepare for situations that require unforeseen expenses. Having an adequate amount of savings can also give you the financial freedom to take more chances or try new things.

Importance of Saving

Why Do We Need Money?

Money isn’t everything in life, but it is a critical component to get us by. It allows us to provide for ourselves and our families and helps us accomplish all of our life’s objectives. Money also gives us the freedom to support the things we care about, such as our basic needs and education. Additionally, we can use these funds to provide charity to those in need.

Our finances also enable us to obtain some of life’s intangibles. Money can help us gain independence, maximize our abilities and talents, chart our own paths in life, and achieve financial protection.

How much money should you have in your savings?

What exactly is the point of all this money-making? How much cash do you require? Your lifestyle and material requirements determine the answers to these questions.

Your financial condition determines how much money you should have in your savings. Everyone has an opinion about the amount of money you should have in your bank account. The reality is, it depends on your financial circumstances. The funds for your daily payments, discretionary expenses, and the part of your savings that makes up your emergency fund should all be kept in the bank.

Money isn’t fascinating in and of itself. What matters most is what money can do for you. Money provides you with flexibility and options. When you have a good income or financial capital, you can choose where and how you want to live.

So, where do you get your cash? Preparing for a successful career is the best way to meet your financial and lifestyle goals. Money should not, however, be the primary factor in determining your career course. In an ideal world, your profession will include work that you enjoy and can connect with.

Micro Savings Philippines

What is Micro Savings in the Philippines

Cebuana Lhuillier through its banking arm, the Cebuana Lhuillier Rural Bank, has unveiled the Cebuana Lhuillier Micro Savings account to give more unbanked Filipinos access to banking services. Through Cebuana Lhuillier Micro Savings, the company supports and helps promote the advocacy of the Banko Sentral ng Pilipinas (BSP) for financial inclusion in the Philippines.

Cebuana Lhuillier Micro Savings is a savings account that aims to make banking more accessible to Filipinos. It’s similar to a standard savings account, except it doesn’t require you to maintain a balance. In addition, it only has as a Php 50 initial deposit fee and has fewer documentary requirements.

The minimum balance requirements are often waived or extremely low, allowing users to deposit their funds in small increments.

With Cebuana Lhuillier’s nationwide network of more than 2,500 branches, account holders can deposit and withdraw money whenever it is convenient for them. You can also use your card to make cashless transactions in any of the 350,000+ Unionpay and Bancnet-accredited retail stores and withdraw cash at any of the 21,000+ Bancnet ATMs nationwide.

What is the procedure for opening a Cebuana Lhuillier Micro Savings account?

Fill out the Client Customer Information File Sheet and submit the following to any of Cebuana Lhuillier’s 2,500 branches nationwide:

• 1 Government-issued ID
  • Birth Certificate (applicable to minors only)
  • Student ID (applicable only if the student is currently enrolled)
• A minimum initial deposit of P50
• P150 card fee (for clients without 24k card), P75 for card upgrade (for existing 24k card holders)

Benefits of Micro Savings in the Philippines

Since a micro savings account is less expensive and has fewer documentary requirements than a traditional bank account, it is a way for low-income families or individuals to save money and take control of their future.

Cebuana Lhuillier Micro Savings accounts are also available to children as young as 7 years old, so parents can teach their kids about responsibility and the importance of managing their finances.

Is Micro Savings Safe?

We always ensure that your deposit is safe with your Cebuana Lhuillier Micro Savings account. Our personnel at Cebuana Lhuillier branches are fully trained and capable of handling finances with the utmost care. Your account is also secured by a PIN that will always remain private.

How Can You Get Micro Savings in the Philippines?

Cebuana Lhuillier’s Micro Savings service is extremely comprehensive, but the application is quite simple. To start the process, just go to any of Cebuana Lhuillier’s 2,500 branches nationwide, fill out the Client Customer Information File Sheet, and submit the requirements.

Cebuana Lhuillier’s Micro Savings

How much is the interest of Cebuana micro savings?

Check out this table for details:

PRODUCT DETAILS
Interest Rate Per Annum	0.30%
Minimum Balance to Earn Interest	Php 500
Minimum Maintaining Balance	None
Dormancy Period	None
Maximum Account Balance	Php 50,000
Deposit Amount	Min. Php 50; Max Php 50,000
Withdrawal Amount	Min. Php 100; Max Php 5,000
Deposit Fee	FREE
Number of Allowed Withdrawals Per Day	3
Withdrawal Fee	FREE until further notice
Requirements to Open An Account	1 valid government ID
New Card Fee	Php 150
Card upgrade fee (para sa existing Micro Savings account holders)	Php 75*(subject to change without prior notice)

Are Cebuana Micro Savings Accounts Safe?

Yes, they are. Cebuana’s Micro Savings accounts are the future of low-cost banking. They have been established as the most accessible banking option, and we are constantly improving our reliable and extensive services.

How Much is the Withdrawal Fee in Cebuana Micro Savings?

The withdrawal fees may vary depending on the rates.

How Does Micro Savings Work in Cebuana?

Cebuana Lhuillier Micro Savings aims to make banking more accessible to Filipinos. It is similar to a regular savings account, but it does not require account holders to maintain a balance. With Cebuana Lhuillier’s nationwide network of over 2,500 branches, individuals can deposit and withdraw money whenever and wherever they need to.

Savings Account Philippines

Whether you’re budgeting, working a side hustle, cutting expenses, or getting out of debt, the main goal is to increase the amount of money you have available for savings and investments. However, before you do achieve that, you must have a secure and dependable location for your money.

A savings account is one of the most common types of bank accounts in which a person can invest. It is a single account that can be used for a variety of purposes. In fact, there are several types of savings accounts that can be used to meet various needs.

In addition, savings bank accounts earn interest. Their current balance contributes to an individual’s income. Some banks offer higher interest rates for keeping a larger balance, while others offer a sweep-in facility that allows account holders to earn more interest income.

• Why Do You Need a Savings Account in the Philippines?
  

With so many types of investments promising potentially higher rates of return, you may be wondering why you need a savings account at all. The bottom line is that any solid financial plan is built on a foundation of liquid assets, such as cash and funds in a checking account. Your checking account may cover your daily expenses, but there are several reasons to keep some money in a savings account.

The significance of a savings account is often overlooked. Here are the reasons why you should consider having one.

1. A Platform for Collecting Funds and Making Payments

A savings account is an excellent place to save money from various sources. There are no limits on the number of cheques that can be deposited, issued, or paid. This makes owning, maintaining, and using it quite simple.

2. Preparation for Emergencies

Preparing your financial life for unforeseen circumstances is one of the most important pillars of good personal finance. Nobody is immune to emergencies, so you should always be prepared for them.

Some people refer to this as an “emergency fund,” while others refer to it as a “rainy day fund.” Whatever you call it, a savings account is one of the best places to keep the money you set aside for emergencies.

3. Keeps Your Money Safe

 It’s always critical to keep your money safe, whatever platform you choose. Savings accounts always feature the best possible security measures to ensure to give account holders peace of mind.

4. Savings for Your Life Goals

Opening and managing a savings account allows you to organize your finances and makes future planning more accessible. Even if you’re already saving for the future, keeping all of your money in a checking account can make it challenging to keep track of your progress. With that, look for online savings accounts that allow you to set up multiple “subaccounts” to help you organize and minimize fees.

You may not have the financial means to make a large purchase on the spur of the moment. Setting aside a set amount of money in a savings account each month toward the cost of a large-ticket item ensures that you can eventually afford it.

5. Credit-Based Self-Determination

A savings account may allow you to meet your financial goals without relying on credit or loan. If you save enough money in a savings account, you will be able to buy things you want or need without having to take out a loan or use credit. This means you’ll be able to control your finances much better.

6. Reduces Your Spending Temptation

A savings account requires you to separate a portion of your money from your daily spending money. Putting up barriers to stop impulse purchases can help you stick to your monthly budget and stay out of debt.

7. Retirement Plans

A savings fund can also be a valuable retirement resource. In fact, a good savings account can allow people to retire early if they desire. Because savings funds earn interest when kept in banks, a large enough fund can provide retirees with the ability to live comfortably without depleting their principal balance. This can significantly improve a person’s quality of life after retirement.

8. Plans for Building a House 

Individuals and families with a good savings fund can also increase their chances of buying the housing they desire. A good savings fund can provide much-needed cash for securing an apartment, as well as a substantial down payment on a home.

Banks typically require a down payment of around 20% on a house, so a healthy savings fund can often enable buyers to purchase a larger home and have more negotiating power when making an offer to realtors.

9. Funds for Education

Savings accounts can also benefit families in the long run by providing funds for college education and private schooling. Tuition rates at most colleges and private schools can be expensive, but a good savings fund can make paying for a child’s education much easier and less stressful. Individuals can also use a savings fund to return to school and seek new qualifications if additional education would lead to a better job.

10. Provides a Good Example

Putting money into a savings account at your local bank provides a teachable moment for your children. Showing your kids how to save allows them to practice self-control.

For these reasons, establishing a solid savings plan can be one of the most rewarding endeavors you can undertake. It may be difficult at first to create a household budget that allows for savings, but with time, the process of saving each month will become easier. Eventually, the rewards will be well worth the effort.

Once you’ve established a savings account, one of the best ways to save money is to automate your savings. This way, you don’t have to remember to put money aside every time you get paid. Numerous innovative and simple-to-use tools available can help you save money automatically.

Best Savings Account Philippines

A savings account is the most secure way to save your money. With eCebuana, you can do a lot of things.

eCebuana

The eCebuana app allows Cebuana Lhuillier clients to easily access micro-financial services such as Micro Savings, Money Remittance, Bill Payment, and E-load services.

Users can transfer money from their Cebuana Lhuillier Micro Savings accounts to other Micro Savings accounts using the eCebuana app. They can also pick up the money at any Cebuana Lhuillier branch, which grants a 20% reduction in fees. In addition, users can use Instapay to transfer money to other banks.

The app already has over 350,000 downloads. It will be updated with new features such as a Pawn Renew Online service and the ability to open Micro Savings accounts without visiting a branch in the future.

Conclusion

It is very simple to open and maintain a savings account. You can easily apply for one by visiting a bank of your choice, submitting the requirements, and paying a small fee.

Until recently, banks required a minimum account balance for a savings account, which has now been waived by most institutions. Now, most account holders may keep any amount of money in their accounts without restriction.

Even if you don’t have specific financial goals, you should have a savings account if you earn money. Savings accounts can offer security and peace of mind, as well as a resource in the event of an emergency or a business opportunity. The glamor of other investments may overshadow a savings account, but it is just as important, if not more so.

Introduction

Have you ever wondered why there are more pawnshops than banks in the Philippines?

This is attributable to the reality where pawnshops provide a wide range of financial services in places where banks are scarce. In fact, these outlets can become crowded and have long queues even in the provinces and especially in outlying areas.

Aside from the borrower incurring nominal transaction costs, the loans are simple to secure especially because it functions where in an item of worth that can be used as collateral is given in exchange of the loan.

Pawnshops, in contrast to their negative image in other countries, are favorably viewed by many Filipinos due to their critical position in fulfilling their short-term financial needs.

What is a Pawnshop?

A pawnshop is a store or form of business that lends money to consumers who carry valuable items to be pawned. These valuables are referred to as “collateral.” The precious asset will only be returned from the pawnbroker after the loaned money and interest have been repaid.

If the borrower fails to repay the pawnbroker’s loan and interest within the agreed-upon time frame, the pawnbroker can now sell the valued object to another buyer to recoup the money they loaned.

Pawnshops also provide micro-lending facilities, which are a critical source of credit in many developed countries, especially here in Asia. They further fill the void created by financial systems by offering loans to low-income families and minimum wage earners that might not have been available otherwise. They can also boost credit market competition by offering an alternate source of credit to those who have been denied bank loans.

Over time, pawnshops have developed into multi-purpose stores that offer a wide range of goods and services. They have also expanded into unrelated market practices such as money remittance, money changing, bill payment for collection services, e-load, and delivering facilities for the selling of microinsurance goods to households.

How Do Pawnshops Work?

People go to pawnshops for three reasons. First, they need cash in order to secure a swift loan. Second, they must pawn personal possessions such as jewelry, electronics, and other precious objects. Finally, they try to purchase unredeemed objects that are up for sale.

If you’ve never been to a pawnshop, don’t be intimidated because they have fantastic bargains. They’re similar to a garage sale and a flea market wrapped into one.

There are also three types of people who usually transact at pawnshops, including the following:

1. People who need quick cash and are willing to pawn their precious item as collateral
2. People who are trading their used items
3. People who buy new or used merchandise

So, what’s the big thing with pawnshops? The fundamental concept of a pawnshop is to lend money to customers. The procedure is as follows:

1. The act of pawning starts when you bring something you own and give it to the pawnbroker as a collateral for your loan.
2. The pawnbroker lends you money in exchange for the collateral.
3. You get your equity after you have repaid your loan and interest.
4. If you fail to repay the loan, the pawnbroker will hold the collateral.

Suppose you’re pawning your recently purchased wedding ring, which the pawnbroker values at P2,000. You will get P2,000 and a pawn ticket in exchange for pawning your wedding ring. The following will be written on the ticket:

1. You pawned something.
2. The amount of money borrowed for the object
3. The sum of money due in 30 days to reclaim the item

Your ticket will indicate that you got P2,000 for your wedding ring and that you would pay P2,200. This amount already includes the additional 10% interest on the loaned money. You will then have 30 days to get your ring back. During those 30 days, you can do any of the following:

1. Return to the pawnshop and pay the full price to get your wedding ring back.
2. Pay the recurring fee at the pawnshop to stretch your loan for another 30 days.
3. Do nothing and let the pawnshop keep and sell your ring.

That is the fundamental pawnshop transaction. A traditional item pawned at a pawnshop has a high chance of being reclaimed by the individual who pawned it. If it is not reclaimed, the pawnbroker would have to sell the item to recover the loan. In this case, the object must be in good working condition in order to be resold.

When compared to a yard sale or a flea market booth, a pawnbroker cannot sell junk. This is done to maintain the pawnshop’s reputable name and company in the community.

What are the Commonly Pawned Items at a Pawnshop?

Many people have depended on pawnshops for quick cash. However, have you ever considered what goods you could pawn? Here are some of the items that are most commonly pawned to obtain much-needed cash.

• Jewelry

When most people hear the word “pawnshop,” the first thing that comes to mind is jewelry. After all, it has long been used as a symbol of power, prosperity, and beauty throughout society and history. Jewelry is an excellent investment piece in addition to being a representation of a person’s status.

Rings, earrings, necklaces, or anything that can be weighted and appraised—whether gold, silver, or diamonds—are great examples of often pawned jewelry. If you intend to pawn your valuable jewelry, especially ancestral pieces, make sure that it is thoroughly maintained so that it retains its pristine quality.

• Designer Bags

While many individuals cannot afford designer bags, there are those who collect them. This is because the value of these bags increases over time, and when pawned, the cash collected may exceed the five-digit figure. Keeping this in mind, if you own a designer bag that is unused, you might want to consider pawning it. Aside from decluttering your home, you’ll be able to make some additional cash.

• Watches

Luxury watches are another common item pawned at a pawnshop. Precious metals or jewels are used in creating them, and most of these timepieces are uncommon and expensive. Due to their unrivaled craftsmanship, durability, and aesthetic appeal, luxury watches are easily utilized as collateral.

• Electronics and Gadgets

Televisions, cellphones, computers, cameras, tablets, and gaming consoles—name any gadget or piece of electronics and there’s a high chance that they can be pawned. Of course, the amount you receive will be determined by the current value of your belongings, so make sure they are all in outstanding condition to receive the maximum value. You may also charge them before taking them to the pawnshop so they may be checked and priced appropriately. Keep in mind that while retro versions of these devices may be priced higher, more recent models that are out of date may not fare as well during appraisal.

• Musical Instruments

Electric guitars and drum sets are excellent examples of musical instruments that may be used as collateral. However, you must make sure that they are in “playable” condition. The value of the objects will be reduced if they have scratches or evidence of wear and tear. To increase the value of the products, you could include extra strings for the guitar and even drumsticks for the drum set. Take note that rare and more premium brands would have a higher appraisal price than their more common counterparts.

What You Need to Know in Buying Jewelry from a Pawnshop

Aside from depositing valuable items as collateral for quick cash, you may buy jewelry from pawnshops. This is because some people are unable to pay back the money they borrowed, effectively transferring the ownership of their valuable items to the pawnshop. These are eventually sold to customers looking to purchase fine jewelry at a lower cost.

When you visit a pawnshop, you’ll see a section where they exhibit the pieces of jewelry for sale, such as vintage or hard-to-find items. The majority of them are made of gold, although some are made of silver, platinum, and other precious metals.

However, how can you ensure that you obtain the best possible price for the jewelry you’ve chosen? Here are some tips to keep in mind before buying jewelry from a pawnshop:

• Shop Around and Negotiate

Feel free to visit many pawnshops to check how much you can obtain for your chosen jewelry, as the value of specific items varies from one pawnshop to another. You can also seek advice from friends or acquaintances who have purchased jewelry from a pawnshop. Take note of both the positive and negative reviews so that you can receive the assistance you require and avoid receiving a less-than-favorable bargain.

• Test the Jewelry

If you’ve already found the jewelry you want, you may have the pawnbroker test it with a solution to see if it contains impurities or not. Be wary of stainless steel being marketed as white gold in some circumstances.

You can also determine if the precious stone on the jewelry is genuine or a synthetic counterfeit. Scratching it with your fingernail or a coin is an excellent way to determine its genuineness. If you scratch it and it leaves a mark, the item is most likely fake.

• Check the Price

Once you’ve determined that the jewelry is genuine, look into its price. Usually, jewelry has a price tag attached to it. If there aren’t any, be wary since they may raise the price, especially if you tell them your budget.

• Read the Policy

Some pawnshops will ask you to sign a legal document stating that you purchased authentic jewelry from them and that there is no return or refund policy. Before you make a commitment and spend your money, carefully read the policies since this agreement is intended to safeguard both you and the pawnshop from any unforeseen incident or unwarranted claims.

Brief History about Pawnshops

Pawnbroking has a long history among the financial systems of humankind. It dates back at least 3,000 years to ancient China and may also be found in the earliest historical records of the Greeks and Romans.

In 1462, the Franciscans established the montes pietatis. This provided low-income people with interest-free loans. Later, in order to avoid early depletion of their money, they were compelled to charge interest. Public pawnshops had a brief rise in the Middle Ages before being re-established in the 18th century to relieve borrowers of the excessive interest rates charged by private pawnshops.

Pawnbrokers made loans only on the inherent worth of the collateral back then, and pawning has since become a source of financing for those in need. This system also became a reliable funding method for commercial initiatives. Currently, statutory restrictions of banking and finance are based on the legal foundation developed executives who had extensive backgrounds in pawnbroking.

Arrival of Pawnshops to the Philippines

Pawnshops have been popular in the Philippines due to their micro-lending services. This is essential in augmenting the financial capabilities of various individuals and families in need of quick cash. Under Presidential Decree 114 and Central Bank Circular No. 374, the Bangko Sentral ng Pilipinas (BSP) was granted the authority and obligation to supervise pawnshops in 1972.

Benefits and Risks of Pawnshops in the Philippines

Do you intend to borrow money via pawning? Before you go to a pawnshop, consider the following benefits and drawbacks:

• Instant Access to Cash

Pawnshops provide instant access to money, which is very useful when you need it. This is why Filipinos incur pawn loans for a variety of purposes, most notably to cushion the financial blow in case of an emergency or to supplement capital for a small business.

In fact, the Bangko Sentral ng Pilipinas (BSP) stated in its 2017 financial inclusion survey report that pawnshops are one of the most well-known and accessible places where consumers may receive loans.

• Easy and Fast Process

In pawnshops, the process is as simple as submitting a collateral for evaluation to the pawnbroker, filling out a form, signing a pawn ticket, and collecting a copy of the pawn ticket along with the cash. In only a few minutes, you are on your way home with the money you borrowed.

• No Credit Checks

When borrowing money from pawnshops, there are no credit and background checks. Instead, both parties will agree on the collateral’s price and redemption date. If the collateral is not redeemed by the deadline, the pawnshop will simply sell it.

• No Effect on Credit History

It will not harm your credit history or credit score if you fail to repay what you owe. The only repercussion is that the pawnshop gets to retain your pawned property. Furthermore, they are not obligated to submit credit information about their consumers to credit bureaus.

On the other hand, bear in mind the following risks you may encounter, especially when making your first pawnshop transaction. These include:

• high loan interest rates
• low appraisal
• short loan terms
• the risk of losing your pawned item

Do take note that these risks are affected by various factors, but it is mainly up to the specific pawnshop you choose. That is why you should only transact with highly reputable pawnshops so you can get the best value for your items.

Qualities of a Trusted Pawnshop

How do you know if you can place your trust in a pawnshop? Here’s how:

First, their company must be officially registered. In the Philippines, business permits and certifications must be displayed for the safety of clients. Aside from that, you could look for news stories on them online. Learn what their consumers have to say about them and their services. This way, you’ll be able to see if the pawnshops genuinely keep your stuff safe and secure.

In addition, look into the pawnshop’s ties and organizational initiatives. Choose one that has a track record of successful transactions and collaborations with other firms. Lastly, find a pawnshop that has been acknowledged or honored for their services so you can rest certain that you’re in good hands.

Fortunately, you can trust that Cebuana Lhuillier complies with all these standards. With our great reputation, you can rest easy knowing that you are transacting with industry experts.

With our pawning service, you will never be short of funds because we take a wide range of collaterals, including jewelry, electronics, luxury bags, music instruments, and watches.

We are also one of the leading pawnshops in the country, providing a 35% appraisal rate in about 2,500 outlets nationwide.

Cebuana Express (Upcoming Application)

To help you stay safe during the pandemic, we have expanded our Cebuana-from-Home online platform to include pawning services. This way, our customers may now pawn valuables without having to risk going to the nearest branch in their area.

To apply, you must fill out the application form on the website. Once completed, the application will be processed by a member of Cebuana Lhuillier’s TeleSales team, who will allocate it to the nearest rider for transaction completion.

Conclusion

Pawning is a valuable service for Filipinos, especially to those who need quick cash. However, finding a trustworthy pawnshop is critical so you could make the most out of your belongings. Cebuana Lhuillier is your partner for hassle-free and reliable transactions. Visit to the nearest branch in your area or connect with us through the Cebuana CARES system.

 

 

Introduction

With the increasing number of overseas Filipino workers (OFWs) globally, money remittances have been constantly boosting our country’s economy. This has been an ongoing trend in our recent history. Our modern-day heroes have proved to be a vital source of financial support for their families’ daily consumption needs, investments, and savings. OFWs work selflessly away from their loved ones to fulfill their dream of providing them with stable and financially secure lives.

Aside from that, it has been shown that international remittances lead to increased investments in various sectors, including health, education, and small businesses. At the national level, receiving large amounts of international remittances has increased opportunities for accelerated growth and development.

What is Money Remittance?

Money remittance is the act of transferring money from one city or location to another. This process works similarly to a money transfer, as none of the parties need a bank account. Many people rely on money remittance because of convenience. The entire transaction can be completed in a matter of seconds, and the sender can choose to have the money delivered to the receiver via cash pick-up or bank transfer. Money remittances are also regarded as a major source of income for people in developing countries, as many of their residents working in foreign locations send money back to their loved ones.

You can send money either via online transfer or by mail. This financial service can also be facilitated through wire methods. The funds collected from money remittances make a significant contribution to the economy of the receiving country.

According to the World Bank’s 2018 report, the Philippines received $32.6 billion, or P1.72 trillion, in remittances in 2017. During that year, our country was the third largest recipient of remittances worldwide. Additionally, the majority of those remittances are sent by OFWs. This demonstrates the critical role of remittances, especially those sent by hardworking overseas Filipno workers, in our country’s financial flow. The figures also highlight the importance of workers in foreign lands not only to their respective families but also to our nation.

How Do Money Remittances Work?

Now that you know what money remittance means, it’s time to learn how this service works. Money remittances are a significant source of cash inflow for any country. The transfer of funds benefits developing countries greatly.

The process involved with money remittances is relatively simple. First, the money is transmitted through a wide range of legal channels, such as mail, bank transfer, money order, or through an authorized money transfer operator. The funds will then be transferred from the sender’s current location to the recipient who is in a different location.

These funds are calculated and converted automatically based on the current exchange rates. After that, the money will be credited to the receiver’s account or be made available through cash pickup using their country’s currency.

Money remittances are classified into two types, depending on the nature of the transaction. These are outward remittances and inward remittances.

Outward Remittance

Outward remittance is also known as wire transfer outward remittance. This means that the remitting bank will send the funds to the correspondent banks using a specific instrument. The equipment will then transmit instructions for the designated payee to send a specific amount.

Telegraphic transfer, mail transfer, and draft transfer are prime examples of outward remittance instruments.

When someone who lives and works in a foreign country sends money home, this is also considered an outward remittance. This type of money remittance is usually employed to meet ongoing financial obligations in their home country. Some of its primary purposes are to pay mortgages and to support family members.

Outward remittance has also been shown to benefit remitters. Aside from the lower cost of the draft transfers, using this method can help you avoid an array of trade risks. These include not receiving goods after payment, goods shortage, and poor product quality. To protect yourself from these unfortunate circumstances, you should use outward remittance as a cash-on-delivery payment method when your goods are delivered.

Inward Remittance

In contrast, an inward remittance indicates that money was transferred into your bank account. It can be either domestic remittance, where money is sent within the country, or international remittance, where the money is sent from another country. Inward remittances contribute significantly to a country’s economy, especially the gross domestic product rates.

This type of remittance can be done in exchange for the export of goods or services, investment, donations, gifts, and so on. When you make this type of transaction, you will be given a certificate that extensively explains the details of your remittance.

Aside from that, inward remittances are known as the main method used by institutions to provide relief to various countries and areas in need. These are prevalent during natural disasters such as floods, earthquakes, and tsunamis.

Money Remittance vs Money Transfer

Now that you understand how money remittance works, it is important to know how it varies from money transfer. These two are sometimes confused as the same thing, although this is not the actual case. Knowing the distinction can be extremely beneficial if you are going to transfer money to your loved ones.

Money transfer and money remittance serve the same function, which is to deliver money from one person to another. However, money remittance refers to the process of sending funds to another country. An example would be an OFW transferring money to family members in the Philippines. Money transfer, on the other hand, refers to any cashless payment methods in general, such as bank transfers, digital or mobile wallets, or credit and debit cards.

The History of Money Remittance in the Philippines

Money remittances have a long history in the Philippines. This is largely affected by the number of OFWs throughout the years, as these workers send money back to their loved ones here in the ountry.

There are two types of Filipinos who send money back home: immigrants and overseas workers.

Immigrants are persons who have completely relocated to a foreign country. The immigration process in the Philippines began in the early 20th century, following the Spanish-American War, which resulted in the Philippines becoming a US territory.

There is a widespread misunderstanding that the Middle East is the preferred destination for OFWs. However, that notion did not begin until the 1970s.

It was made possible by the government’s overseas employment program, which enabled Filipinos to work in the Middle East, particularly in Gulf Cooperation Council countries (GCC). Following this event, between 1906 and 1934, there was an inflow of around 120,000 Filipino immigrants in Hawaii who chose to work on sugarcane and pineapple farms.

Overseas workers, on the other hand, typically sign a short-term contract to work in a foreign country for a set period of time. They are not entitled to citizen benefits because they are on a temporary contract. Nonetheless, they still receive the perks provided by the organization for which they work.

The present tendency of Filipinos signing up for work in the Middle East began in the 1970s, when foreign workers made up the majority of Filipinos who were offered the opportunity to work abroad. This also expanded to pop cultural references in Filipino entertainment, with movies and dramas depicting protagonists traveling overseas to offer financial assistance for their families.

Other than the Middle East, OFWs may be found in the United States, Canada, New Zealand, and Australia. After all, in the early 2000s, non-Pacific and Middle Eastern nations became a focus point for certain Filipinos.

Both the immigrants and OFWs highlight the importance of money remittances to the Philippine economy. It’s not only the families of OFWs who are reaping the benefits of their effort in foreign countries, but the entire country as well.

OFW remittances contribute to the country’s domestic consumption and growth. In fact, they account for 10% of the nation’s gross domestic output (GDP). According to data collected by the Bangko Sentral ng Pilipinas (BSP) in 2017, total cash remittances sent home by overseas Filipino workers increased by 4.3&, which translates to $28.1 billion.

What are the Benefits of Money Remittance?

Money remittances have shown to be extremely beneficial to all Filipinos as well as our country’s economy. Many poor nations have trouble borrowing money, which is why they are more likely to rely on remittances. These allow countries to support development in their own way.

Furthermore, OFWs and their relatives back home have benefited from money remittances. Families have been able to acquire needs such as food, clothes, shelter, and other products and services because of this manner of transaction. If the money given is saved, they may be able to obtain loans for business ventures.

Things to Consider When Doing Money Remittance

Before you conduct your first money remittance transaction, there are a few things you should keep in mind. Money remittance transactions are quick and simple, but failing to remember important reminders may result in money loss or your loved ones not receiving the fruits of your labor.

• Choose a Reliable Remittance Company

Nothing beats selecting a reputable money transfer firm that actually cares about its customers. Conduct research on several remittance companies and read all their reviews. You may also inquire with other OFWs about their experiences with these companies. This way, you’ll know which remittance firm is worthy of handling your hard-earned money. For instance, a remittance provider with few to no positive reviews may be too suspicious, which means you risk financial loss in every transaction.

• Secure the Money Remittance Transaction Details

If you are the sender, you should keep your money remittance transaction details safe. Before discarding the remittance transaction slip, ensure that the money has already been claimed by the receiver. If you lose the transaction slip before the receiver claims the money, notify the remittance company promptly and, if possible, request a reimbursement. This will keep strangers from claiming your remittance if they find your transaction slip.

In addition, be wary of anyone who contacts you claiming to be a loved one or relative and asking to borrow your money while giving their bank account information. This is a common ploy among scammers who prey on OFWs. Before proceeding with a transaction, confirm with your relatives over secure lines that they have truly altered their contact information.

• Check the Control Number

Always double-check that you are delivering the right control number to the intended recipient. Usually, all money remittance operations end with the sender texting the control number to the receiver. With that in mind, ensure that the control number, as well as the recipient’s number, are correct. Otherwise, the money may be received by the wrong person.

Aside from that, the recipient must select the appropriate remittance firm or payout center that utilizes adequate security measures. Before paying out any transaction, a remittance business or payout center will normally need government-issued identification. They do not pay out transactions unless the recipient’s name in their system matches the valid ID presented when claiming the transfer.

Cebuana Lhuillier’s Pera Padala

Now, you’re aware of money remittance in the Philippines and its numerous advantages. However, you still need to find quick and dependable providers of money remittance services in the country. You don’t have to worry, because Cebuana Lhuillier’s Pera Padala service is the solution to your problem.

The Pera Padala service from Cebuana Lhuillier is a fast and secure way to send and receive money inside and outside of the Philippines. The recipient may claim the funds as soon as you complete the remittance process. Sounds easy, doesn’t it?

To send money, follow the steps indicated below:

1. Fill out the Pera Padala form at the nearest Cebuana Lhuillier branch in your area.
2. Present the completed Pera Padala form to the branch personnel, together with your valid ID. You may also bring your 24k card if you have one.
3. Kindly provide the total amount to be paid.
4. Secure the Pera Padala form and count the change, if you have received any.
5. Give the 10-digit control number to the recipient or beneficiary of the money remittance.

Please keep in mind that while claiming the remittance, the recipient or beneficiary must submit the control number as well as a valid ID. The same is true for Cebuana Lhuillier’s other remittance method.

However, to claim your money, you must follow the procedures below:

1. Fill out the Pera Padala form at any Cebuana Lhuillier branch.
2. Present the completed form and your valid ID to the branch personnel. You must also provide your 24k card if you have one.
3. The branch personnel will provide you the remittance money. To be sure, count the money you’ve received before leaving the branch.

The Pera Padala Service also helps OFWs who wish to send money to their loved ones through international remittance. Here’s how to transfer money to the Philippines from abroad:

1. Fill out the send form at any of Cebuana Lhuillier’s foreign partners.
2. Submit the completed form and a valid ID.
3. Provide the total amount to be paid to branch personnel.
4. Take a copy of the official receipt or other proof of remittance.
5. Give the reference number to the receiver or beneficiary.

If you’re from the Philippines and want to transfer money to someone in another country using Moneygram or Western Union, here’s how:

1. Fill out the Pera Padala form at your nearest Cebuana Lhuillier branch.
2. Provide the completed Pera Padala form, valid ID, and 24k card to the branch personnel.
3. Kindly provide the total amount to be paid.
4. Secure the Pera Padala form and count the change you have received, if there’s any.
5. Give the 10-digit control number to the receiver or beneficiary.

Digital Money Remittance in the Philippines

Due to the global spread of the COVID-19 virus, most people are now hesitant in venturing outdoors to make their own financial transactions.

As a solution, Cebuana Lhuillier has created an online application that will allow any Filipino to simply access financial services from the comfort of their own homes.

• Online Money Remittance via eCebuanaApp

Cebuana Lhuillier had introduced the eCebuana app, an application that will assist consumers in obtaining financial services from the company. These include money remittance, micro savings, bill payment, and e-load services, among others.

Users may utilize this program to transfer money from one Micro Savings account to another, or to have the money picked up at any Cebuana Lhuillier bank for 20% less in fees. They may also use Instapay to transfer money to other banks.

All you have to do is download the eCebuana app from Google Play or the App Store. Click “Register Now,” and provide your personal information as well as a valid ID. Once completed, respond to the Customer Risk Profiling and wait for the email that will authenticate your account.

Conclusion

Aside from boosting the country’s economy, money remittances have a long history with Filipinos, particularly OFWs. This is why there is a need for a dependable and fast money remittance center to assist you in sending money to your loved ones.

Fortunately, Cebuana Lhuillier is here to assist you. Visit your local branch or download the eCebuana app from Google Play or the App Store!

“Never leave for tomorrow what you can accomplish today.” You may have heard of that quotation and its various versions before. It’s very true, especially in our society today, when the proper authorities are taking their time in processing projects and items that are meant to be for the good of their constituents. Even we are guilty of this at times. The act of procrastination is something that everyone experiences in their life, at least more than a dozen times. You may have seen high school students putting off their school projects until its deadline comes around the corner, You may even see office workers leaving off their paper work, until the very last day of the week, when it’s almost rest day. And then there are your local officials on the evening news, being berated for a public service that was supposedly done and delivered last year, and yet the project still hasn’t broken ground.

Indeed, we all like to put off our tasks at a much later time, only to finish it until the very last moment. Perhaps it has been rewired within the human brain, perhaps people are intimidated by the “high risk, high reward” system, perhaps people prefer an easier time frame than the usual, whatever it may be, it definitely slows down progress and spends a lot of otherwise well-utilized opportunities. This is very critical nowadays, due to the fact that everyone’s running against time. If the pandemic has taught us one thing, it’s that we should all be spending our time wisely. Many of our kababayans were hit with COVID-19, and unfortunately weren’t even able to make it through 2020. As tragic as it is, that is not even the whole story, as they are currently survived by their families, friends, and loved ones, the people who would miss them the most, and would surely love to spend time with them all over again, yet due, to their untimely passing, that is no longer possible. Let us all learn a value lesson from them, as the pandemic isn’t over yet, and there is definitely more to do and to accomplish.

In lieu of that, you may have a few unfinished businesses that you were not able to accomplish until now due to the current pandemic. It is only understandable that you’ve postponed it last year, as our government implemented strict measures before things got out of hand with the virus. There were lockdowns and varying community quarantine guidelines which limited all of our daily activities and planned tasks. Since then, many of us weren’t able to leave our homes and were confined within our own barangays. However, it is now 2021 and some of these safety measures have been relaxed in order to allow everyone (or at least a select few) to accomplish their tasks. Of course, the “new normal” introduced a couple of new procedures for us to follow, in terms of processing government documents, for example, yet, these changes aren’t really that different from the ones practiced before, with the minor tweaks being that all should wear their mask and face shield, and that everyone should follow social distancing guidelines.

With these new guidelines in place, should I still travel?

It depends. You see, if you’re on your way to process important documents such as government requirements and work files, then by all means, feel free to join the queue of anxious people hoping to get their files done on time. You’ve been leaving it off since last year as you’re trying to avoid the virus overall, which is the right thing to do. No amount of paperwork is justifiable enough for you to risk your health, after all. The thing is, you may have been oriented about the safety measures by now, well enough for you to know the dos and don’ts.

What are these dos and don’ts specifically?

There is no simple answer to this, since different barangays and regions within the Philippines are currently implementing their own set of community quarantine guidelines. You may know these guidelines as:

• Enhanced Community Quarantine or ECQ
  Localities under an enhanced community quarantine (ECQ) are generally ordered to stay at home, with its residents restricted from traveling to other cities or barangays. Barangay governments can issue quarantine passes allowing residents to buy essential goods outside curfew hours and within the issuing barangays’ jurisdiction.

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• General Community Quarantine or GCQ
  The general community quarantine (GCQ), which was introduced on May 1, is generally less stringent than ECQ. Public transportation is allowed at a reduced capacity and select businesses are allowed to operate at 50 to 100 percent of their regular capacity depending on their industry. Shopping malls are also allowed to operate, although only select stalls and stores are allowed to open.

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• Modified Enhanced Community Quarantine or MECQ
  Similar to ECQ, however, this time people will be allowed to leave their homes only to obtain essential goods and go to work in industries allowed to resume by the government.

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• Modified General Community Quarantine or MGCQ
  Similar to GCQ, as the movement goes back to normal, but mask-wearing, physical distancing, and other health protocols will still be enforced.

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Depending on the number of positive cases within their barangay, a region may either implement a much stricter or a more relaxed selection from the four choices above. No worries, as your local LGUs are currently working with the Department of Health (DOH) to initiate these quarantine procedures, with the safety and well-being of the people as their top priority.

What should I do whenever I’d go outdoors to process important paperwork?

• Prepare everything the night before, just to make sure that you wouldn’t have to go back and forth due to forgotten requirements.
• Bring your very own pen. Avoid sharing any items with other people on the queue.
• Take the shorter route. You’ll reach your destination faster that way. Just make sure to follow proper social distancing and all of the strict traffic rules in place.
• If you’re going to commute, be sure to provide the exact amount. Receiving change from the driver or conductor would be risky, as COVID-19 may also be transmitted via contaminated money.
• Do all of your paper works in one go. Do it all in one day if you can, so that you wouldn’t need to go out every once in a while just to process separate documents. The lesser you’d go outdoors, the safer you’ll be from the virus.
• Bring a small bottle of alcohol to disinfect your hands every once in a while during the commute or travel.

Now, one of the main transactions and paper work that you may be planning to do while outdoors would be to remit money to your loved ones in the province. While it may seem nerve-wracking to do this activity due to the current pandemic, you shouldn’t worry, as there is a well-trusted establishment that would definitely look out for your well-being from beginning to end. Cebuana Lhuillier has put in place a couple of procedures and restrictions when it comes to protecting their customers against the virus. With the frequent disinfection, sanitation, and queuing rules set in place, no other place is safer than Cebuana Lhuillier branches. They’ve also made it convenient for all their patrons to process their transactions without any hassle. Time well-spent outdoors is equivalent to money well-spent as well, and at this point, every centavo counts, and no other remittance center would value your time and safety more than Cebuana Lhuillier, with their most reliable Money Remittance service ever. Be sure to visit the nearest branch now for more information.

The sudden occurrence of the COVID-19 virus caught everyone off guard during the first quarter of 2020. Just when you thought it was going to be another “walk in the park,” things took a sudden turn and eventually, the world found itself running up against a new threat that we would have never foreseen, at least for the past few decades. While there were a couple of viruses which made waves throughout the years, COVID-19 took one step further and made a significant shift all around the globe. People lost their jobs, people lost their loved ones, and everything was left in shambles. Even if you were able to retain your employment, you may have family members, friends, or loved ones who were not so lucky, and you may have probably seen their suffering and struggle throughout the whole ordeal. There were those who were able to find a job even before 2020 ended, but the same can’t be said for those who are still searching through the classified ads, hoping to find a way to feed their family, even during the pandemic.

Understandably, these hardships created a limitation that somehow tried to protect everyone from the rampant virus, and indeed, the number of people who contracted COVID-19 decreased overtime. Yes, we have more than 400,000 positive cases, but just imagine if these limitations were not set in place, the numbers would have been more catastrophic. Now that we’ve entered 2021, you may be wondering about our current status, where we are right now, and the direction that our country is heading towards to. There were various implementations since the outbreak of COVID-19 in the Philippines last year, and from the very first guidelines released, there were changes made to ensure that we’d remain safe and free from the virus as much as possible. Coming into 2021, perhaps you may need a refresher, with regards to these guidelines and policies. Well, look no further than the following highlights straight from our LGUs.

First of all, what were these implementations?

The following were and are still implemented within Philippines as of today. Keep in mind that these implementations vary, depending on the cities and the barangays, so be sure to inquire about each of them before visiting a certain location far from home:

• Enhanced Community Quarantine or ECQ
  Localities under an enhanced community quarantine (ECQ) are generally ordered to stay at home, with its residents restricted from traveling to other cities or barangays. Barangay governments can issue quarantine passes allowing residents to buy essential goods outside curfew hours and within the issuing barangays’ jurisdiction.
• General Community Quarantine or GCQ
  The general community quarantine (GCQ), which was introduced on May 1, is generally less stringent than ECQ. Public transportation is allowed at a reduced capacity and select businesses are allowed to operate at 50 to 100 percent of their regular capacity depending on their industry. Shopping malls are also allowed to operate, although only select stalls and stores are allowed to open.
• Modified Enhanced Community Quarantine or MECQ
  Similar to ECQ, however, this time people will be allowed to leave their homes only to obtain essential goods and go to work in industries allowed to resume by the government.
• Modified General Community Quarantine or MGCQ
  Similar to GCQ, as the movement goes back to normal, but mask-wearing, physical distancing and other health protocols will still be enforced.

How were these implemented within the different aspects of our society?

As strictly as they were implemented, people were confused about the context of these community quarantines, which is why the government clarified further on the matter. The following summaries were the main implementations of these community quarantines, as segregated by the context of our daily activities:

1) With Regards to the Movement of the People:

ECQ:

• 100% stay at home
• Exception for workers in offices or industries permitted to operate

MECQ:

• 100% stay at home
• Restricted movement, only for accessing essential goods and services
• Exception for workers in offices or industries permitted to operate
• Persons below twenty-one (21) years old, sixty (60) years old and above or those at high risk for contracting the COVID-19 disease are required to stay home

GCQ:

• Persons below twenty-one (21) years old, sixty (60) years old and above or those at high risk for contracting the COVID-19 disease are required to stay home

MGCQ:

• Persons below twenty-one (21) years old, sixty (60) years old and above or those at high risk for contracting the COVID-19 disease are required to stay home

2) With Regards to Travel & Transportation:
Motorcycle barriers are required for pillion riding or back-riding.

ECQ:

• No domestic flights, with limited international flights
• Public transportation is not allowed
• Shuttle services for employees of permitted offices or establishments, as well as point-to-point transport service, granted permission to operate by the government, with healthcare workers and other frontliners given priority

MECQ:

• No domestic flights, with limited international flights
• Controlled inbound flights
• No inter-island travel
• Public transportation is not allowed
• Private transportation such as company shuttles and personal vehicles allowed subject to the guidelines provided by the Department of Transportation (DOTr)
• Biking and non-motorized transport encouraged

GCQ:

• Public transport is allowed with strict social distancing
• Inter-island travel from GCQ to GCQ allowed with safety protocols.

MGCQ:

• Public transport is allowed with strict social distancing
• Inter-island travel from GCQ to GCQ allowed with safety protocols.

3) With Regards to Gatherings:

ECQ:

• Mass gatherings are not allowed
• Only mass gatherings that are essential for the provision of government services or authorized humanitarian activities permitted

MECQ:

• Highly restricted (maximum of 5)
• Non-essential work gatherings are prohibited

GCQ:

• Gatherings are limited to not more than ten (10) persons
• Non-essential work gatherings are prohibited

MGCQ:

• Fifty percent (50%) of the seating or venue capacity for movie screenings, concerts, sporting events, and other entertainment activities, religious services, and work conferences

4) With Regards to School:

ECQ:

• School premises are closed

MECQ:

• School premises are closed

GCQ:

• Skeletal workforce permitted in schools
• Face-to-face or in-person classes are suspended

MGCQ:

• Limited face-to-face or in-person classes may be conducted; strict compliance with minimum public health standards and consultations with local government units (LGUs) and guidelines set by the Commission on Higher Education (CHED)

5) With Regards to Work and Employment:

ECQ:

• Select industry workers permitted

MECQ:

• Essential industries permitted to work at full capacity, with others operating at a fifty percent (50%) capacity
• Work-from-home and other flexible work arrangements encouraged

GCQ:

• Alternative work arrangements

MGCQ:

• Full operating capacity for work in all public and private offices
• Alternative work arrangements for persons who are sixty (60) years old and above, or those with other health risks

6) With Regards to Government Services:

ECQ:

• Skeletal workforce onsite
• Work from home arrangements

MECQ:

• Skeletal workforce onsite
• Work from home arrangements

GCQ:

• Work in all government offices under alternative work arrangements

MGCQ:

• Work in government offices may be at full operational capacity, or under alternative work arrangements

7) With Regards to Exercise and Sports:

ECQ:

• Outdoor exercise not allowed

MECQ:

• Limited outdoor exercise (Outdoor walk, Jog/run, Bike) with face mask
• 2-meter physical distancing

GCQ:

• Indoor and non-contact sports allowed
• Walking, jogging, running, biking, golf, swimming, tennis, badminton, equestrian, range shooting, and skateboarding
• Minimum public health standards such as the wearing of masks and the maintenance of social distancing protocols, and no sharing of equipment where applicable, are observed
• Spectators in all non-contact sports and exercises are still prohibited

MGCQ:

• Indoor and non-contact sports allowed
• Walking, jogging, running, biking, golf, swimming, tennis, badminton, equestrian, range shooting, and skateboarding
• Minimum public health standards such as the wearing of masks and the maintenance of social distancing protocols, and no sharing of equipment where applicable, are observed
• Spectators in all non-contact sports and exercises are still prohibited

Take note that these may have been changed overtime, so feel free to contact your local Barangay for more information. These guidelines, as limiting as they are, simply uphold the safety and well-being of the people, which is why you should:

• Always wear a face mask and a face shield when going outdoors.
• Always wash your hands.
• Bring a small bottle of alcohol with you, at all times.
• Strictly follow social distancing guidelines as much as you can.
• Be vigilant about the number of people in a certain space.
• Avoid going to public places if you do not have any important business to conduct within the said location.
• Make sure to full out your contact tracing forms with the complete details.
• Bring your own pen.
• If you were to conduct business or process a couple of important documents within a government facility or agency, do everything in a timely manner and immediately be on your way.

These are just some of the safety tips for the modified quarantine period. There may still be other guidelines from the LGUs, in such case, feel free to coordinate with your local government and barangays for more information. With all of these in mind, it may be no surprise that you’re looking for ways to further protect your family’s future. The current pandemic has taught us to be vigilant and prepared, and indeed, it is a lesson we will abide put to heart even when the pandemic is over. If you’re still weighing your options, then look no further than Cebuana Lhuillier’s Microinsurance Services. It offers affordable insurance products that enable Filipinos to avail financial services and privileges that higher-income earners have easy access to. Aside from that, it also

The COVID-19 vaccine is finally on its way, albeit, without any exact date. Since the first quarter of 2020, we’ve all been wondering about the existence of this wonder drug which would finally treat the high-risk virus that is COVID-19. Most of 2020 has been allocated towards the safety and protection of people around the globe, with various implementations of community quarantines within the different states and regions. While there may have been varying results among the countries, it is understandable that these quarantine measures could only do so much. There are many of us who still prefer to go outdoors, often ignoring the safety measures and going on to regret that decision once the swab test results have returned. It is quite difficult to discipline very sociable and active people, after all. In such cases, the government and LGUs have taken the extra step to lockdown any barangay that incurred an alarming amount of positive cases, and while there were some positive cases that got through the cracks, it was still somewhat of a success, slowing down the transmission while waiting for the formulation of the vaccines.

Now that the news about the vaccines had broken out, you may think that things may go smoothly from then on. Well, as much as we wouldn’t want to burst the bubble, it still wouldn’t be that simple. You see, these vaccines would still have to go through various processes and paper works in order for them to be shipped towards the Philippines. The best case scenario is that these vaccines will reach Philippine shores by the first quarter of this year. It’s either that or we’d have to wait until the third or last quarter of 2021. You may ask, “How come it would take that long? We are currently in a pandemic, everyone would need that vaccine.” Yes, you are right about that. But just think about it, even the simplest cough medicine would have to undergo various tests and paper work before it could even see the light of day and be shipped towards your local pharmacy branches. In short, we still have to wait for a while.

Of course, such delays don’t mean we’re doomed. For now, the best that we could do is to prepare our bodies for this vaccine. It may sound strange at first, but yes, before even accepting these vaccines, we should at least be aware of its side effects. As of this writing there aren’t any official word on the possible side effects yet, however, we should still be vigilant, we should still do our best to keep our body strong and healthy. Be in the know and maintain a good health, until such time that the COVID-19 vaccines would be distributed within our country. Here are just a few suggestions:

1. Exercise
   As simple as that. We often underestimate the positive effects of exercise in our body, however, we should always remember that our blood flow should be continuous, so as our oxygen intake. Exercise would not only help us loose the pounds, it would also help us be fit. COVID-19 is fought mainly by our immune system, and as much as we’d like to reply heavily on the upcoming vaccines, it is good to know as early as now that those vaccines would only do so much. If you were to take a peek at the current count of COVID-19 cases within the country, you’ll find out that more than 400,000 people had already recovered from the dreaded virus, and that was even before the vaccines rolled out. What does that tell you? Simply put, it says so much about the wonders of our body, it says so much about our natural defenses, it says so much about how we are able to fight off the virus on our own. Of course, the number of deaths can’t be and shouldn’t be ignored, unless we want to make the same mistakes again. And we shouldn’t ignore about the treatments done by our brave doctors and nurses as well, a main reason why hospital beds are almost fully occupied nowadays. The thing is, these treatments can only assist the immune system in fighting off the virus, but just like the incoming COVID-19 vaccines, they could only do so much. Just imagine if your immune system was already compromised long before the virus even entered the country, your chances of surviving would drastically go down once it finally reaches Philippine waters, and indeed, the numbers and data doesn’t lie. Be fit, be strong, and exercise.

   

2. Eat Healthy Meals
   This may sound like an elementary school lesson, but keep in mind that there’s a reason why we’ve been taught to eat our vegetables and fruits since our younger years. Even the scolding that we got from our parents due to us fending off our healthy servings of green, leafy vegetables actually has a very practical reason behind it. Vegetables have always been the main instigator of good health, add fruits to that and you’ve got a powerful tag-team that would serve as an armor for your immune system. The best thing about fruits and vegetables is that they can often be mixed and matched, depending on the delicacy that you are about to prepare. You can even add a couple of sauces and dressings to emphasize the taste of these wonderful root crops and leaves. You can cook them or eat them raw, it doesn’t matter, as long as you wouldn’t ignore or cross them out of your daily intake.
3. Follow All the Safety Protocols
   Prevention will always be better than cure. A couple of news outlets are already estimating the vaccine prices, and so far, their estimates haven’t come cheap. In such case, why not save yourself (and your budget) from predicament by following all of the social distancing and quarantine rules. Yes, they are very limiting, yes, they aren’t fun to follow at all, but just because they have both of those qualities doesn’t mean that they would do you any harm. It’s the complete opposite, as a matter of fact. These safety measure and implementations are here to stay in order to save you from the virus, and they will remain to stay until such time that the virus has finally been eradicated. For now, sit tight, be safe, and do your best to stay healthy.

And that’s about it. Of course, these are just some of the suggestions, with regards to preparing your body for the vaccine. The government may have more guidelines and tips for the foreseeable future, so keep your eyes peeled for now. With all of these in mind, it may be no surprise that you’re looking for ways to further protect your family’s future and well-being while waiting for the vaccine. The current pandemic has taught us to be vigilant and prepared, and indeed, it is a lesson we will put to heart. If you’re still weighing your options, then look no further than Cebuana Lhuillier’s Microinsurance Services. It offers affordable insurance products that enable Filipinos to avail financial services and privileges that higher-income earners have easy access to. Aside from that, it also features innovative microinsurance products and services that promise to minimize the impact of distress and misfortune on one’s financial position. Feel free to visit the nearest Cebuana Lhuillier branch near you for more information.

It’s now the second month of the year. While January 2021 may have been the doorway we’ve all been waiting to enter since the first quarter of 2020, February 2021 may very well be the empty hall that comes after the doorway. Now, before entering the other rooms within this year (March, April, May, etc.), let us take a moment to analyze the events of January 2021. You may ask, “Why would I even need to do that? Is that even necessary?” The straight answer would be a resounding “Yes!” You see, the first month of every year is usually the one that would orient us about the possible outcome of the whole year, which is why it is often called the “doorway.” You may argue that this is not an accurate way of sorting out the year, since 2020 broke all of our expectations within its first quarter, giving us all a false sense of security and redundancy within the first month, until COVID-19 hit and we’ve all been caught off guard. That is correct, you are definitely right in thinking the same thing can be applied within the next few years, but here’s the thing, the start of every year is a call for preparation.

Turning back the clock, COVID-19 has been reported since the end of 2019, and it only made its presence felt within the Philippines during March 2020, in such case, we all had the opportunity to prepare, but understandably, the less it was talked about at first, the less informed we were during the first few months, until it was already too late. Now that we have a current pandemic on our hands, it would be safe to say that January 2021 is already a call-for-action, in terms of trying to find our financial footing. Forget about your typical resolutions, this is more serious and vital since it would dictate your possible budget for the months to come. In such case, evaluating your budget as early as now would not only prepare you for any sudden occurrences this year, it may also save you from debt.

Where do we currently stand?

To rephrase the question above, how are we doing now? What is the current situation in our country? Well, COVID-19 still runs rampant within our society. Due to the new strain of the virus, we’ve been given tighter implementations than last year. You may have heard of the flight bans last month. Well, that is only one slice from the whole cake, the other slices are vital to ensure that the virus does not spread further. If you were fortunate enough to find a new job after being laid-off last month, then congratulations! Do your best to maintain that source of income. No matter how much you are earning right now, feel free to save up for the future. Do whatever you can to set aside certain amounts, not only for you, but also for your family. Count how many family members you have within the household, include yourself in the count, then your wife, your kids, and even your parents (if they happen to reside with you), then divide your savings among the count. You may ask, “Well, I’m already paying the bills. I’m able to provide food on the table. Isn’t that enough?” Well, here’s another reason why you may need to save…

The vaccines are about to roll out this year… hopefully.

During January 2021, news broke about the various vaccines that the Philippine government will be importing from other countries. While it may be good to assume that these will all be given for free, it may not be the case for many of us. These vaccines took a lot of time to make, and it definitely required a huge amount of funding to make as well, so you can just imagine the price tag applied on each of these vaccines. If you think an average medicine already cost too much, then you might be more surprised once the vaccines reach our shores. Be sure to prepare until then, and find an extra source of income as much as you can. Costly as they may seem, these vaccines are vital for the survival of your loved ones. Not everything may return to normal at once, but being injected with this extra armor of defense would definitely help you in the long run.

Is there anything I can do to prepare for the future?

Yes, there is always a way to earn more. You may even begin to save up as early as now for a small business, then, use that small capital to create a start-up at the comfort of your home. You may find various business suggestions online (some coming from us) which may inspire you to go beyond the limits and rise up from the crisis caused by this pandemic. Of course, vigilance is always your friend, analyze your every step when it comes to your financials and practice all of the COVID-19 guidelines whenever you’d need to process business paperwork outdoors. Feel free to improvise, as not everything may go according to plan, nonetheless, prayers will always be your greatest weapon when facing the unknown. Do your own research before reaching a decision and feel free to ask for help when things are getting hectic. Your family would be more than happy to assist you all throughout.

Is there any establishment that would secure my hard-earned money and savings during the pandemic?

Yes, as a matter of fact, there is a well-trusted name that would do all of that for you without the hassle of applying for a new bank account. At its core, Cebuana Lhuillier’s Micro Savings product aims to provide easier banking access to all Filipinos. The product is almost the same with any regular savings account in the Philippines, but doesn’t require a maintaining balance. It is also streamlined across all Cebuana Lhuillier branches, so you’d be able to experience the same wonderful Micro Savings product without missing a beat. For more information, feel free to visit the nearest Cebuana Lhuillier now!

Business ideas usually come and go, and yet, there are those which would stick with you for the most part. Do you ever find yourself randomly thinking about opening up your own venture? Do you ever wonder about having an extra source of income? Do you ever expect to add more to your monthly savings? Then perhaps, this write-up’s for you.

Let’s first talk about the recent year known as 2020. Understandably, many would prefer to just forget about that past year, owing to the fact that it may just be one of the darkest that we’ve ever faced in our lives. Due to the sudden occurrence of the pandemic, many lost their jobs, many lost their way of life, and most tragic of all, many lost their loved ones. Indeed, 2020 is a year that we would all like to just wipe away from our memories. However, the thing about tragedies and disappointments is that there will always be silver linings originating from that very same void. What may seem like a pile of dirt and dust may just be carrying a valuable jewel beneath the surface. For every problem, there will always be a solution, and while these solutions may not be able to bring back what was already long gone, it may provide us a new path, a new road towards success and full recovery.

The same thing can be said about our livelihood. Countless people around the globe lost their jobs due to the closing down and bankruptcy of many businesses, brought about by the pandemic. While there are some who were able to find new jobs from the long list of classified ads circulated online, there are still many who were not able to find their footing. Well, worry no more, as we have a few suggestions for you, with regards to opening up your very own business. Take note that some of these may not work for you due to other circumstances, but still, take these tips in stride. Who knows? You might be able to develop a better business idea from these suggestions.

1. A business fit for the taste buds.
   Food – Everyone loves them and no one would ever want to be away from them. Everyone eats, everyone needs their daily sustenance, and what better way to do that than to gobble down some delicious delicacies. As a matter of fact, this is one of the main shortages that some of our fellow Filipinos were able to experience, due to the pandemic and the continuous storms near the end of 2020, hence, why it is a valuable commodity that we’d all like to be abundant of. Now, if you happen to be skilled at the kitchen, it is only natural for you share your knowledge and skills, but instead of posting your recipes online, you can make a business out of it by creating your masterpiece in the kitchen and selling your specialties through a food delivery app. The food business (in spite of the pandemic) was able to sustain its momentum through the never-ending love of Pinoys towards home-cooked meals. Of course, there were concerns about the cleanliness and sanitation of the menu items online, as people were skeptical about the preparation processes, but as long as you were able to exhibit the quality of your cooking and the way your own personal menu was safely prepared, then you would have no problem selling your packed meals. If solid food really isn’t your thing, then perhaps you may join the ranks of the “milk tea” connoisseurs online. The competition is tight, but if you happen to have a unique recipe with you, then you already have an edge.

   

2. Getting in touch with your inner “plantito/plantita.”
   While everyone was locked in during the pandemic, people needed a new type of hobby to amuse themselves. We as humans need to be active, we need to be pre-occupied, otherwise, we will “go mad,” we will get anxious, and the pandemic isn’t going to help make things easier as well. It’s easy to assume that everyone’s been looking at their “screens” throughout the whole duration of the lockdown, and for many that is exactly the case, as during the early days of COVID-19, people were already isolated in their homes, consuming their daily dose of the internet through their laptops, their cellphones, and even through their smart TVs. However, this trend did not last long, due to the fact that we Filipinos are very sociable and active people. The need to be away from our screens in order to do something outdoors outweighs the strict implementations that we have, which is why you would find many violators in the evening news, party dinners included. In such case, people proceeded to tend to their gardens. If we aren’t allowed to go to our favorite diners for an outdoor meal and sniff of fresh air, then we may instead walk to our backyard and tend to our plants. This activity seemed to have gained traction over the months, as you may find many sellers of rare and beautiful plants all over your social media feed. If you feel like joining them, then feel free to do so. Share your knowledge of being a “plantito/plantita” and let others develop their green thumb as well.
3. Inspiring fashionistas… at home.
   Well, the pandemic may have gotten in the way of our favorite “public runways,” (in short, the mall) but it would not stop people from showing off their flashy attires. This is all made easy through various social media channels, with many influencers showing off their apparels through their many poses and snapshots. In such case, why not take the opportunity to instigate the inner-fashionistas of others as well? You may sell off dresses and apparels from the comfort of your home. Skirts, spaghetti straps, and even neon-sandals, anything that happens to be trending right now.

Now, with these business ideas, you may probably be looking for an establishment that would take good care of your hard-earned money. Well, no need to look further than Cebuana Lhuillier’s Micro Savings product. At its core, it aims to provide easier banking access to all Filipinos. The product is almost the same with any regular savings account in the Philippines, and it doesn’t require a maintaining balance! It is also streamlined across all Cebuana Lhuillier branches, so you’d be able to experience the same wonderful Micro Savings product without missing a beat. For more information, feel free to visit the nearest Cebuana Lhuillier branch now!

The Valentine’s season is among us. In spite of the ongoing pandemic, we Filipinos still find a way to lighten up the mood of our loved ones. After all, we are known to be naturally expressive about our feelings towards our partners, our other half, our significant other (whatever your current status may be). The thing is, only our daily activities were limited by the community guidelines which were implemented since the early months of COVID-19’s infamy, but from then on, we all found a way to adapt and adjust to our “new normal,” hence the cheerful outlook of people around you despite the challenges they face. Aren’t we known around the globe as one of the most resilient people to ever walk this earth? In a way, we all live up to that reputation, due to the fact that even a no pandemic, no matter how deadly it is, could stop us from living our lives and standing up from the huge blow that COVID-19 had given us.

Yes, we’ve all experienced hardships this past 2020, and even then, we are always hopeful for a better tomorrow, a better future, and a greater opportunity to be better people all around. 2021 would be a perfect starting point for us to turn over a new leaf and come back stronger than ever from this pandemic. Yes, COVID-19 is still running rampant as of now, but as long as we follow all of the strict prohibitions and regulations, we are all set towards the road of recovery and success. What better way to establish a strong start than with this year’s Valentine’s Day? And rightfully so, as it is a day of love, a day of showing your appreciation towards those who are most important to you. Not only would it be all about intimacy and cuddles, it would also be about showing your appreciation towards the people who’ve helped you get through the ordeal that was 2020. You may have lost your job, your way of life, and most tragically, a loved one, but the most important thing is you were able to get through 2020 with the help of the people who’ve stood by your side through thick and thin.

You may ask, “How would I best show my significant other that I care for them?” Well, if you have the budget for it, you may let a shiny, glittery gift do all the talking for you. Women always love their diamonds and jewels, and Valentine’s Day would be an opportunity that you shouldn’t miss. Show the woman in your life that you greatly care for her, and this is where a valuable gem would be nothing short of amazing as a gift for the occasion. There are many types of jewelries that you may gift your significant other, but if ever you’re still undecided, here are just a few valuable suggestions:

1. A Pair of Glittering Earrings
   Well, we are all isolated indoors due to the pandemic, but that doesn’t mean that your significant other would be trapped all throughout. No, she would still be allowed to go outdoors and flaunt her new earrings due to the new MECQ. Earrings will never go out of style, as a matter of fact, they are one of the bestsellers when it comes to jewelries. Here’s a certain online tip, in terms of choosing the right one: “If your Valentine prefers subtle jewelry styles, find a pair that is round, short, and a solid metal such as sterling silver or gold. For those who like their jewelry to pop, choose designs that feature sparkle, length, and vibrant colors.”
2. A Heart-Shaped Ring
   A certain movie franchise once focused on the concept of “one ring to rule them all.” While buying a ring in real life wouldn’t really bring you on an epic adventure which would span three to five books, it’s still quite an ordeal, due to the fact that you should have an idea about the type of fashion that your significant other indulges in. It’s not just about choosing a ring which has the most diamonds on it. No, it also involves the right instinct to choose a ring which your loved one would like. Perhaps you’d like to stick to the occasion, hence, why purchasing a heart-shaped ring may just be right up your alley. According to an online jewelry website, you should “envelop her finger with a sterling silver, diamond, or precious stone in the shape of love. Sizing and style are both important, so determine her ring size and find a design that she can love wearing for years to come.” Take note that heart-shaped rings also comes in various colors, so wisely choose the one which is closer to your loved one’s fashion taste and preference.
3. A Heart-Shaped Necklace
   If rings aren’t really up to your significant other’s taste, then perhaps she would enjoy a necklace better. You may even apply the very same concept, in terms of the heart shape. The same principle as the heart-shaped ring may be applied, albeit, a small tweak in the design. “Heart-shaped necklaces styles vary by metal, stone, and setting, and prices range from affordable to high-end. Some common designs include pendants and chains, and they come in different lengths such as choker, mid-length princess, and extra-long opera.” Feel free to look for other colors if you aren’t satisfied with the current choices. An ornately decorated pendant may do wonders if she really wants to look fancy in her social media photos.
4. Jewel Watches
   Not to be mistaken for a normal watch, jewel watches are those wristwatches which are ornamentally covered in jewels, which are usually diamonds or gold. You wouldn’t even have to look far to find these types of watches, as your main options are jewelry stores and watch shops. Both may carry the same variety, but others may also be exclusive to one of each store, so feel free to widen your options.

   

5. Pearl Jewelries
   We are not just talking about pearl necklaces, as there are also rings with a smooth, shiny pearl on the top, not to mention, a necklace with a pearl pendant, appropriately finished with a gold frame. If you think that description alone garners an amazing view into the world of pearl jewelries, you might be astonished by the countless examples you’d find online. So feel free to take a look.

Okay, so you’ve finally found a way to show your appreciation towards your loved one, however, you find yourself wondering about the upcoming expenses that you wish to pay off already. You plan on paying them all off, but your budget is cut short due to the pandemic, so what do you do? Simple, the answer has been at your fingertips from the very beginning. You have your extra jewelries to pawn off, and pawn them off you shall (especially since you’re going to purchase a new one, time to get rid of the old ones). At this point, Cebuana Lhuillier has you covered. With their Pawning Service you never go wrong, because they accept an array of items, from jewelry to gadgets, as collaterals. They also lead the pawning industry by offering safety and the highest appraisal rate in the industry in its more than 2,500 branches nationwide. And did we mention that they implement some of the most secure and safest way to transact during the pandemic? Proper social distancing and disinfection procedures are followed in all branches of Cebuana Lhuillier at all times, prioritizing their customer’s health and well-being above all. Visit the nearest Cebuana Lhuillier branch to you now! we assure fast, easy and secure transactions!

In spite of the current pandemic, we Filipinos still made sure to send our love and support to our loved ones. We made sure that we are always here to show our love and care, that we would provide for them with all of our heart and energy. You may have seen the courageous acts of our kababayans on the evening news, all of them clad in protective clothing and PPEs, straggling along the different barangays and providing a heavy package full of relief goods and daily sustenance. Indeed, many of us Filipinos are the modern angels of our society. You would be forgiven to think that the only frontliners we have would be the doctors, nurses, and the authorities who would usually control the crowd, after all, that’s what you’d usually hear on the news and on social media. But the thing is, anyone who is authorized to go out of their homes and serve the Filipino people may be considered a frontliner as well. Money remittance employees, for example, would brave the risk of the pandemic just so they may process the different transactions within the branch, and in doing so, we would all be able to remit money towards our loved ones who reside in the province. Of course, proper measures are taken to ensure that all of the customers would be protected against the virus, and so far, it has been quite effective, even with the long lines of people who are looking to make their remittances within the day.

It’s all in the numbers

A data released just last year showed the following statistics:

“September remittances are up by 9.3%. Philippines overseas remittances grew by 9.3% in September, while the expectation was -4.3%. After falling by 4.1% in August, this rise is probably due to the rise in migrants sending savings prior to repatriation and the temporary reopening of economies post lockdown.

For the year, Filipinos based abroad sent home a total of $21.9 billion, down 1.4% compared to the same period last year with the central bank expecting remittances to dip by less than 2% for the year. Remittances from land-based migrants, which comprise up to 75% of the total, sent home 10.2% more remittances while sea-based migrants posted their first increase in five months, up 6.5% as global trade picked up after the strict lockdowns in 2Q across major markets.”

Take note that this just pertains to international remittances. The nature of local remittances is yet to be released and taken into account, but judging by the current pandemic and economic standing, you can expect it to be as similar to that of the international data. Yes, many people lost their jobs, but that is exactly the point, their relatives who were able to maintain their jobs would be able to send cash remittances within the timeframe of the pandemic, thus, the numbers (while admittedly lower than last year) may still hold significance within the data once released.

Do remittances still contribute to the growth of the country, even during the pandemic?

Yes, they still do. If that still sounds unbelievable at this point, let us elaborate with this statement released last year:

“Remittance flows contracted by 19.3% in May but have since stabilized, posting growth for 4 out of the last 5 months. Remittances managed to expand despite the repatriation of more than 300,000 OFWs who were sent home after job losses in their host countries. The surprising resilience of remittances in the face of the pandemic may be traced to the appreciation trend of PHP, which is currently stronger by 5.5%. Funding the Philippine domestic consumption needs of their families, OFs may have been forced to compensate for the dollar’s relative weakness against PHP by sending home more remittances in dollar terms.”

Take note of the second sentence, “remittances managed to expand despite the repatriation of more than 300,000 OFWs.” As long as the cash flow maintains its momentum, remittances will never fail to provide for our country, no matter how little the numbers may be, and even then, such a small number would still hold a great value in the long run.

That’s good and all, but which remittance center can I trust the most, in terms of quality service and safety?

There is no better remittance center than Cebuana Lhuillier. They have their Pera Padala service, an easy, safe, and convenient way to send and receive money within and outside the Philippines. You may claim the money as soon as the sender completes the remittance process in the branch. You may visit 2,500 branches nationwide and its wide network of accredited international partners.

Okay, are there any requirements? How do I send cash to my loved ones?

It’s actually very easy. The following is a step-by-step guide on how to remit money with Cebuana Lhuillier:

• You may visit any Cebuana Lhuillier branch and fill out the Pera Padala form.
• Then, present the accomplished form, valid ID, and 24k card (if you are a 24k cardholder) to the branch personnel.
• Give the total amount to be paid.
• Secure the Pera Padala form (and count the change received, if there is any).

Provide the 10-digit control number to the receiver/beneficiary of money transfer.

Understandably, even your relatives from outside the country may have been affected by the virus. In such case, they’d also need financial assistance to get by for their needs. Luckily, Cebuana Lhuillier’s Remittance service extends beyond borders.

How do I send money from the Philippines towards international receivers/beneficiaries (via Moneygram and Western Union)?

• The same high-standard approach is applied with international remittances, hence, you can expect that no scam can get through whenever you’re sending money abroad as well:
• Visit any Cebuana Lhuillier branch and fill out the Pera Padala form.
• Present the accomplished form, valid ID, and 24k card (if you are a 24k cardholder) to the branch personnel.
• Give the total amount to be paid.
• Secure the Pera Padala form (and count the change received, if there is any).
• Provide the 10-digit control number to the receiver/beneficiary.

Regardless if your family, friends, or loved ones are here or abroad, you can expect that Cebuana Lhuillier’s Money Remittance Service can reach them, come rain or shine. Send them a ray of hope during the pandemic and be the light that shines all throughout.

2020 has ended and we are finally at the pinnacle of a brand new year. 2021, as many people hope, may be the fresh start that we’ve all been craving for. Things, didn’t exactly go as planned last year, as a matter of fact, nothing went according to plan at all. COVID-19 came by and the world experienced a crisis like never before. People lost their jobs, many lost their loved ones, and the economy has never been as tarnished as now. Even up to this day, we are all still clinging on to hope, crawling our way up towards a full recovery. For those who lost their jobs, the goal of finding employment is still within reach. For those who lost a loved one, the process of recovery is still an ongoing effort. And last but not the least, for all of the countries affected by the virus, the economy is currently shifting towards a more resilient condition, albeit a more cautious outlook than before.

Indeed, these things may make us doubt the certainty (or the opposite thereof) of our future. The current pandemic is a darkness that we weren’t even prepared for, and the fight against COVID-19 isn’t even over yet. But due to the fact that it is now the year 2021, the prospect of facing a brighter tomorrow is just around the corner, and the possibility of a much better life is something that we’d all love to experience. Many of us may be still be limited by our current situation, but the courageous few are still ready to take on the challenge of acquiring that success amidst a much complicated economy. You might be thinking, “Is it worth the risk? Would it be safe to try out new ventures during these trying times?” These questions, believe it or not, may be answered by a definite “Yes!” However, you should analyze your current situation. Check to see if you still have “something left in the tank,” if you’re willing to go the extra mile to prove that you may achieve more in life even during the pandemic. If you are still undecided, we have a few suggestions and ideas that may help you decide.

1. Should I try looking for a new job?
   We may separate this into two categories, for the people who lost their job during the pandemic and the people who were able to retain it, yet, would like to progress with a better job. Let us talk about the first category. It is understandable for people to look for a new job if they’ve been laid off, especially if they have a family to support. While others have the luxury of taking a few months off after being fired, many do not share the same standing in life. A job stable job would be the difference-maker when it comes to having food on the table versus struggling to feed your loved ones. Of course, we would all like to go for the former instead of the latter, but once you find yourself at the most disadvantageous side of life, it might be time to look at the back page of the classified ads and check to see if you’ve missed any job openings. The good news is, you’d at least have various options with the advent of technology, with classified ads and job openings being posted on a daily basis within online forums. Don’t hesitate to go for a position which you haven’t applied for before, since a change in scenery may just be what you need. Don’t leave any stones unturned and watch your brighter future unfold.

   For the second category, it would be wise to check if you’d still manage even after quitting your current job. Our present economic standing isn’t going to do wonders for you as well, since our laid-off kababayans are also looking through the same classified ads, hence, the competition for a much better position is a bit tight. If your savings is already enough to feed your family for a few months, then by all means, go for it. But if your current budget would not permit you to live off even for a weeks, then perhaps you may stay put for now in your current job.

   

2. Should I establish my own business for now?
   Again, this is divided into two categories, sharing a similar situation with that of the first pointer. The first category is for those who were laid-off and are in need of a new means to earn regular income. The thing about establishing a business is that you are not only motivated by the need to put food on the table, but you are also required to go for a business that you will love, otherwise, what’s the point? You’ll end up dreading and being too lazy to pursue that venture. Now, thinking of a business to establish during the pandemic wouldn’t be much of a challenge. No, the real challenge comes from your fellow laid-off kababayans who are also looking to have their own means of income. Think of a business that would set itself differently from the others. You need to be unique and creative about your venture, so feel free to go crazy with your ideas.

   The second category is a bit more carefree, in the sense that the business idea you’d have would be established and implemented while you are able to maintain a regular work schedule. Think of this business venture as a part-time job, an extra channel of income to add to those family savings. This is easier to execute since any mistake doesn’t spell the end of your monthly income (you still have your regular job, after all). As with the first category, be unique and creative about your business, something that would give your business its personality.

So, these are just a few examples of the major life-changing decisions you may make this year 2021. With all of these in mind, it may be no surprise that you’re looking for ways to further protect your family’s future and financials. The current pandemic has taught us to be vigilant and prepared, and indeed, it is a lesson we will put to heart even when the pandemic is over. If you’re still weighing your options, then look no further than Cebuana Lhuillier’s Microinsurance Services. It offers affordable insurance products that enable Filipinos to avail financial services and privileges that higher-income earners have easy access to. Aside from that, it also features innovative microinsurance products and services that promise to minimize the impact of distress and misfortune on one’s financial position. Feel free to visit your nearest Cebuana Lhuillier branch for more information.

2021 is finally upon us! Admittedly, 2020 has been a tumultuous year. People went through a rollercoaster ride of emotions, physical stress, and health scares, all brought about by the sudden occurrence of the pandemic. People lost their jobs, their well-being, and most painful of all, their loved ones. If that isn’t enough, people’s homes were also ravaged by the continuous influx of storms and typhoons, all culminating at the last quarter of 2020. Is it any wonder that the Filipino people are on their knees, hoping for the best after a year full of hardships? Understandably, any obstacle in life (including the whole mess that was 2020) can be conquered by a change in perspective. Aside from the usual encouragement brought about by faith, hope, love, and prayers, we are also motivated by the fact that we made it to 2021; we survived and we are given a brand new path to pursue towards a brighter tomorrow.

This certain fact doesn’t come without a few conditions of its own, however, and one such condition is to uphold a firmer grip on resolutions. We usually hear about the long list of New Year’s resolutions that ought to be checked before the year ends, determining whether or not we were able to stick to it all, but that repetitive promise of change has long been a ship that has sailed, as this current pandemic pushes us to stay true to our words of being better people, being healthier overall, and being cautious with our every move. Perhaps you’re still trying to sort out your priorities, thinking about the bad habits of old which you plan to eliminate in exchange for the good habits that would better your life this year 2021. If you still haven’t figured it all out, its okay, we have a few vital ones which may help you in the long run.

1. Going for a greener diet.
   If the current pandemic has taught us anything, it’s that we shouldn’t take our health for granted. Indeed, vaccines are being made to combat against COVID-19 even as you read through our helpful lists of resolutions, but that would not be enough to eradicate and protect you from the virus itself. You should consider doing your part as well by strengthening your own immune system. You may ask, “How would I even do that?” Simply put, going for a much greener diet would give you a better fighting chance against the virus. Remember, even if the vaccines are already said or advertised to effectively deflect the virus, they still have their own variety of effectivity, percentages, if you may. Your best defense would still be your very own immune system, that, and your urgency to follow all of the safety protocols being implemented by the LGUs of your barangay.

   What do I leave behind?
   All of the junk foods, salty, and oily delicacies which may have tickled your taste buds in the past, but are now the main contributors towards the decline of your own immune system.

2. Organizing your mess.
   One result of the pandemic would be that you and your other household members may have been holed up at home for the past nine months or so. Of course, there is nothing wrong with that, as it is better to avoid the virus overall just by staying at home, isolating yourselves from the risky crowd outdoors, however, there is also a certain disadvantage that goes along with it, and that is the continuous use or utilization of the household items and resources in your home. This in turn may have created a mess that might have displaced a couple of these household items from their usual spots. In such case, what better way to start the New Year than to find and organize all of them? You may even find other broken appliances or gadgets which are just taking up space and should have been allocated towards your other valuables. Feel free to throw away any clutter or items which has long passed their usefulness. Concentrate on maintaining a minimal approach. Remember, less is always more, and clutter would just be an obstacle towards a much cleaner look for your home. The visuals of your surroundings can also affect your outlook in life, and a cleaner environment and setting could just set your perception towards a brighter future, a brighter tomorrow, and a clearer goal in life.

   What do I leave behind?
   Simply put, the habit of leaving your clutter unattended. It’s okay to forget every once in a while, but what’s not okay is to leave them off for such a long time, thus, accumulating your clutter and hiding the important items from your grasp.

   

3. Lessening your social media consumption.
   All of us need to be informed about the current happenings in our country. If it wasn’t for social media, the Filipino people would not be aware of the current pandemic. We’d also be unaware of its nature, the preventive measures, and the new policies that were implemented by our local government. Indeed, social media can be a lifesaver at times. However, too much of anything good can also be bad, and social media consumption is no different. The continuous influx of bad news, fake news, and trolling has been a nagging problem for quite a while now. The social media operators (in spite of their efforts) aren’t able to control and ban all of these fake news and trolling due to the fact that they are all made by an army of people who prefer to spread chaos and misinformation rather than to be pillars of truth in our society. This made a majority of the internet a murky and sad place to be in, thus, forcing many to quit from their social media accounts as well. There used to be a time when a certain social media platform was utilized merely for building friendships online, but it has since shifted its focus towards marketing (and unbeknownst to it) political agendas, thus, making it a huge pile of misinformation and arguments. Lessening your social media consumption would not only save you from these problems, it would also lessen your stress and worries in life. You may visit credible news websites instead, for your daily dose of good news, informative tidbits, and inspiring stories.

   What do I leave behind?
   The tendency to believe fake news, as well as the possibility of getting into a worthless argument that would just waste your time.

So, with all of that being said, it is much better to leave behind bad habits in favor of the good. One bad habit would be to waste your time in long queues, risking your health amidst the current pandemic. If you happen to be a Cebuana Lhuillier Micro Savings account holder, then we have very good news for you. Cebuana Lhuillier (in coordination with UnionPay) has something in store for its patrons all around the Philippines. Being aware of the current prohibitions set in place by the government to combat and stop the spread of the virus, they came up with a cashless transaction process that would at least enable Micro Savings account holders to pay for their preferred services without the fear of contracting the virus through infected money. Through their eCebuana App, you may access the eLoad Top-Up functionality, the Bills Payment section, the Insurance Purchase (New) section, the Fund Transfer function via QR code (New), and the Pawn Renewal (New) functionality, all at their fingertips. This is also more of a safety feature, promoting home isolation rather than risking outdoor activities and transactions which may further result to the spread of the virus. Try it out and enjoy the amazing features of the eCebuana App!

We are always given a choice to invest our resources in various endeavors. These resources may include (but are not limited to) time, money, effort, and even ideas. Depending on how you were able to prepare and think about these choices, you may either be successful in the end or find yourself learning a valuable lesson about bad decisions. For the most part, making mistakes should not be a bad thing, since you gain experience from it. However, some mistakes can be very costly, especially during the current crisis that we are facing right now. As informative as every mistake may be, they also put your efforts into waste, so as your time and money, and such resources are scarce nowadays, so in order to save yourself from the headache of starting all over again, it’s may be better to do things right the first time.

Now, you may ask, “How would I know if I’m about to do the right thing? How would I know if my planned investments are going to be successful in the long run? Are these investments in front of me even worth it?” Well, worry no more, as we’ve prepared a couple of suggestions that may help you along the way. Remember, every person is entitled to their very own ideas and opinions, and these may not necessarily work for you. But it is still good to take note of these, since they may jumpstart your future ventures as well.

1. Capitalize on your opportunities.
   Let’s face it, many limitations were brought upon us by the pandemic. Many people lost their jobs, their bread and butter,  and their livelihood. Tragic as it may be, let us not forget that the closing of one door only spells the opening of another. Never give up and pursue another venture or opportunity which may help you regain your footing and financial security. Think about it, everyone’s instructed to isolate themselves at home, which means that they may need or crave food and sustenance which they may no longer acquire due to the varying lockdowns and pandemic curfews. If you happen to have a particular set of skills in the kitchen, perhaps you may offer these delicacies at a reasonable price. Have the items delivered at their homes and watch your start-up business “boom” in no time. The same goes for potted plants, aromatherapy candles (to be honest, everyone needs them due to the stress caused by the pandemic), and even cellphone loads. Take time to strategize about your business ideas and get help from your family members at home. They’ll be more than happy to be a part of the venture.
2. Invest on your tools.
   One of the major changes caused by the pandemic has something to do with your usual office work process. There used to be a time when you’re required to be physically present at the office in order to do your job. Nowadays, working from home would suffice. This is most applicable with jobs that would only require you to submit documents. Apparently, this can all be done digitally, as long as you have an internet connection, a laptop or a desktop computer, and the ever-flowing electricity from your wall sockets. In lieu of this, you may need to invest on all of these resources in order to survive and maintain your employment. If you were fortunate enough to keep your job, even after the virus has blown out of proportion last year, then congratulations, you now have the opportunity to keep your livelihood as long as you have the essentials.

   When it comes to electricity, there isn’t really much to worry about, as long as you were able to pay off your bills. The same may not be said about the other resources, mainly, the internet connection and the gadget (laptop or desktop). Some people are just living by mobile data as it is more affordable and practical, but ever since the pandemic made its presence felt, the influx of new applications at your local phone company has rapidly increased, and understandably, it would reach its peak when the need for “work-from-home” was first announced. A stable internet connection is more reliable than a very limited mobile data subscription, hence, why a majority of Filipinos chose to upgrade. Of course, a faster internet connection would incur a higher bill every month, but that is worth investing into if you want to accomplish your work at the very comfort of your home without any interruption. Speaking of a higher price, gadgets like laptop computers and tablets do not come cheap. At the very least, you may need to invest thousands of Pesos in order to avail one, and we haven’t even started yet on desktop computers. If your work-from-home job happens to involve video editing and other graphics extensive task, then a desktop computer (commonly known as a PC) would be your top choice, but take note, they are higher-priced than your typical laptop computers, thus, you may need to sort your budget and canvas for more affordable options.

   

3. Be wise about your food consumption.
   In spite of the fact that our government is already in the process of introducing COVID-19 vaccines to the Filipino people, we still have to be vigilant about our very own health. The food that we eat would play a vital role when it comes to our own immune system. The aforementioned vaccines can only do so much, we should still raise our own body defenses and strive to go for healthier options this year. Your usual intake of fruits and vegetables should be your top priority, get rid of all the junk foods and soft drinks from your kitchen shelves. Green, leafy vegetables were proven to provide all the needed nutrients for an average day’s work, the same goes for fruits which are high in Vitamin C. At the risk of sounding like an elementary school lesson, these tips should be taken by heart if you want to survive through the pandemic. Be vigilant, be wise, and stay healthy.

Well, we’ve mentioned a couple of tips to help you survive this 2021 with a well-needed budget and extra source of income. However, managing your finances shouldn’t be an individual task. No, it is a team effort and you should have a well-trusted name to ensure that your hard-earned money is put in the safest place there is. In such case, look no further than Cebuana Lhuillier’s Micro Savings product. At its core, it aims to provide easier banking access to all Filipinos. This product is a regular savings account in the Philippines, but doesn’t require a maintaining balance. It is also streamlined across all Cebuana Lhuillier branches, so you’d be able to experience the same wonderful Microsavings service without missing a beat. For more information, feel free to visit the nearest Cebuana Lhuillier now!

2020 was such a mess of a year, wouldn’t you agree? We have the burden of the pandemic on our backs; we’ve been ravaged by storms, we even had to go through ash fall, unemployment, and many political issues, and yet, here we are, we’ve managed to make it to 2021. A new year only spells hope, anda new beginning for us all. You may ask, “How can I even start anew? What would I do to make things right? How do I take things in with a fresh perspective?” Well, as they say, change always begins with oneself, and what better way to practice a new beginning than to start at home. Everything that you’ve seen this past year, the news about the pandemic, the various limitations brought about by the lockdowns, the consecutive calamities near the end of 2020, all of them had an impact that understandably roused fear and anxiety among everyone.. In this case, the need to “detox” the fear and anxiety is a commodity that everyone deserves, and your home would be a great place to start.

A certain organizing consultant from Japan once said that you should only keep the things that “spark joy, and indeed, she is right. You may begin to heal from the various wounds caused by 2020 by simply decluttering your home, decluttering your surroundings. You deserve to be happy, you deserve to heal, and you deserve to be organized.

With that, here are a few vital tips in decluttering your home at the start of the year. Keep in mind that you should do these regularly in order to maintain the cleanliness of your home. Anything in life that requires effort on a regular basis would yield nothing but success and goodness, and cleaning is definitely close to the top of the list.

1. Set a weekly and monthly schedule just for cleaning.
   At first glance, this may seem like overkill, but think about it, the more that you leave off cleaning from your regular activities, the more accumulated the mess would get. That pile of paper clip on the table may seem innocent at first, but after a week, it would be covered by a pile of memos, then a pile of pencil shavings, then an empty paper cup, and so on. Just imagine if you were able to clean that first pile of paperclips at first, then your momentum of clearing that very same spot would continue throughout the days, weeks, and even months, hence, it would remain clean and spotless. The same thing can be said about the other parts of your home, so don’t just ignore that small spot of dust under the table, sweep it, throw away the scrap papers, and live in a dustless and tidy home. You don’t even have to schedule your home cleaning every consecutive week; you may do it in an alternate manner.
2. Feel free to ask for help.
   The task of decluttering your home would be easier to accomplish with the help of your other family members. You can even help them out in decluttering each of their rooms, so as long as you wouldn’t have to invade each other’s privacy by avoiding those personal items which they’d prefer to go untouched, the more hands, the better. Of course, you may have to plan out, coordinate, and speak with them in advance, so everyone may clean in unison. A well-coordinated decluttering session would go smoothly than a sudden order of “go clean your room, otherwise I will throw it all in the trash.” Remember, you are only going to dispose of the things which are no longer useful, and you may not know which is which if you do not talk with the other members of the household. What may seem like a tarnished shirt may otherwise hold a sentimental value, so keep that in mind as well. If your question is, “May I set National Holidays as a cleaning and decluttering day?” Yes, you may, but again, you should talk with your family if whether or not they’d like to spend that time in cleaning the house or they’d rather have quality time with you.

   

3. Decluttering is done better by segregation.
   This is true, for the most part. Take two big plastic bags, one should contain the things which you will 100% throw away without any hesitation, and for the other plastic bag, the things which may still need a bit of thinking before you may decide to either throw them out or to keep them. After sorting everything out, empty the first plastic bag in the trash can and re-use it for the next step. The other plastic bag which contains the things which may require careful thinking would have to be emptied in a much slower manner, taking a minimal approach as you sort out the things you may still need and the things which may add useless clutter in your space.
4. Handle the small things first, then, work your way up towards much bigger items.
   This would make your decluttering easier and well-organized, as you would follow a process which make sure that no unnecessary mess be left untouched. This is also vital since other smaller valuables, like earrings, necklaces, and other forms of jewelries may get lost in the mix, and you definitely wouldn’t want that to happen. The bigger items, you wouldn’t miss as they are visible even from a few meters away, but the smaller valuables are a whole different story. You wouldn’t want to throw away family heirlooms by mistake, so as with other small gadgets and receipts.

After decluttering all of the unnecessary items, you may still find a couple of things which may have high financial value, but is no longer useful or is something you no longer like. This is true, especially for jewelry. In such case, why don’t you pawn them off for extra cash? At this point, Cebuana Lhuillier has you covered! With their Pawning Service you can never go short in any amount, as they accept an array of items, from jewelry to gadgets, as collaterals. They also lead the pawning industry by offering safety and the highest appraisal rate in the industry through its more than 2,500 branches nationwide. And did we mention that they implement some of the most secure and the safest way to transact during the pandemic? Proper social distancing and disinfection procedures are followed in all branches of Cebuana Lhuillier at all times, prioritizing their customer’s health and well-being above all. Visit the nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

COVID-19’s impact is something that all of us were not able to predict, even beyond our wildest dreams. Before the pandemic hit, everyone was going through their daily routines, minding their own business, focusing on their own dreams, goals, and aspirations. Once the virus struck, lives were left in disarray, looking for answers and guidelines on how to protect themselves during the pandemic. Indeed, it is something that caught the whole world off-guard, with many innocent onlookers relying on the news as the main source of information. What everyone knows so far is that COVID-19 originated from China, making its presence felt within the last few months of 2019 and making its waves during the first quarter of 2020. We now find ourselves in 2021 and many things have changed since then, not with the rapid progress of the virus, but with the implementations and safety measures taken to ensure that everyone stays safe during these trying times.

To further invoke a feeling of change and vigilance throughout the world, governments began to roll-out policies that are tailor-fitted to deal with the current pandemic at hand, a handbook in facing the “new normal,” as it was dubbed on the news. You may ask, “Did these regulations help out people in the long run? These were implemented during the first quarter of 2020, and where do we stand now?” Well, here are just a few highlights which aims to remind you of these policies and the possible changes which may have been implemented along the way.

The following is an official excerpt from the Department of Health’s (DOH) handbook, “A Guide to the New Normal.”

“The new normal revolves around the four strategies of the DOH’s 5-point strategy to reduce COVID 19 related and non COVID 19 deaths – (1) increase resilience, (2) stop transmission, (3) reduce contact, (4) shorten duration of infectiousness. With this, the DOH has developed minimum public health standards across different settings to aid the general public and the different sectors as we transition into the new normal.

Further to this, the DOH’s policy development and program planning initiatives remain aligned with the Minimum Public Health Standard s. The Department will continue its other services and programs considering that the primary goal of its COVID-19 response is to prevent both COVID-19 and non-COVID-19 deaths.”

It is important to note that the DOH at least had a preliminary plan which contributed to curbing the spread of the virus. Of course, at the time of writing, there are over 500,000 cases of COVID-19 in the Philippines, with 466,993 people recovering and over 10, 000 deaths. Indeed, the numbers are high, but just imagine how worse it could have been if guidelines weren’t rolled out. The thing about the DOH’s guidelines is that they were at least effective in cutting down the numbers at the first sign of trouble.

Now, you may have noticed from the excerpt that DOH mentioned a 5-point strategy to reduce COVID 19 related and non COVID 19 deaths. We will be discussing them next, what they are in essence, and their functions.

1. Increase Resilience
   According to the DOH’s handbook, this pertains to our health, our body, our immune system and how we may best strengthen them further during the pandemic. A particular excerpt states that the first strategy hopes to “ensure access to basic needs of individuals, including food, water, shelter and sanitation.” They also aim to “promote adequate nutrition and balanced diets.” For the most part, prevention is always better than cure, but that doesn’t mean that we should stop caring for our body. Eating your fruits and vegetables would greatly help with the fight against COVID-19.
2. Stop Transmission
   You may have heard of the saying “cleanliness is next to godliness.” That is true, especially during our current situation. The very nature of COVID-19 itself is enough reason to implement handwashing and sanitation throughout the country. The DOH explicitly states this within their handbook: “To encourage frequent hand washing with soap and water and refrain from touching the eyes, nose, and mouth.” They also wish to “ensure access to basic hygiene facilities such as toilets, handwashing areas, water, soap, alcohol/ sanitizer.”
3. Reduce Contact
   The pandemic definitely tested people’s patience and discipline. While many of us still prefer to enjoy our weekends outdoors, we may have to leave it off for now due to the severity of the current pandemic. The virus is no joke, and the number of people around the globe who’ve succumbed to the dreaded COVID-19 is hard proof of that. The handbook states that they aim to “implement strict physical distancing at all times, especially in public areas, workstations, eating areas, queues, and other high traffic areas.” As unfortunate as it may seem, they also opt to “restrict unnecessary mass gatherings,” so the recent Holiday season saw a massive drop in sales, with regards to the businesses which usually depends on the influx of Christmas shoppers.
4. Shorten the Duration of Infectiousness
   This is pretty critical in essence, which is why we prefer to cite the main guideline as a whole:
   • Identify symptomatic individuals through temperature checks, health declaration or symptom monitoring.
   • Refer symptomatic individuals to appropriate health system entry points such as primary care facilities or teleconsulting platforms.
   • Trace and quarantine close contacts of confirmed individuals consistent with DOH guidelines.
5. Enhance Quality, Consistency, & Affordability of Care Provision
   Simply put, DOH aims to provide intervention whenever it is needed in order to assist with the various sectors of the country. These sectors may include (but aren’t limited to) the health sector, the local barangays, the law enforcement units, etc.

What has changed since then?

A couple of important occurrences, actually. For one, there has been varying offsets of lockdowns, community quarantines, and recurring implementations which yielded differing results per barangay. You may have witnessed them within your tight-knit community at the span of 9 to 10 months. Some barangays implemented strict curfews, perhaps more stern than others due to their high-recorded numbers of positive cases. Classes were suspended, then continued, albeit an online setting. There were suggestions within our government to implement face-to-face classes again, but perhaps, due to the refusal of many students and parents, that suggestion was scrapped. Other changes were rolled out by the DOH within the timeframe of the pandemic as well. Thus far, the following is their actual provision:

The Department of Health (DOH) has updated its interim guidelines on expanded risk-based testing of COVID-19 cases. Department Memorandum No. 2020-0258 was adopted in view of the increased RT-PCR (Reverse Transcription Polymerase Chain Reaction) testing capacity of the country.

The new subgroups broadens the coverage of persons to be tested to include suspect cases, individuals with travel history and exposure (whether symptomatic or asymptomatic), and healthcare workers with possible exposure (whether symptomatic or asymptomatic).

The following list of subgroups of individuals are considered at-risk and are eligible for testing, arranged from greatest to lowest need for testing:

• Subgroup A: patients or healthcare workers with severe/critical symptoms, and relevant history of travel or close contact;
• Subgroup B: patients or healthcare workers with mild symptoms, with relevant history of travel or close contact and who are considered vulnerable. These vulnerable populations include the elderly and those with pre-existing medical conditions that predispose them to severe presentation and complications of COVID-19;
• Subgroup C: patients or healthcare workers with mild symptoms, and relevant history of travel or close contact;
• Subgroup D: patients or healthcare workers with no symptoms but with relevant travel history and close contact;
• Subgroup E: frontliners indirectly involved in healthcare provision in the response against COVID 19; and
• Subgroup F: other vulnerable patients such as those with comorbidities, those who will undergo high-risk, elective surgical procedures, those living in confined spaces, and others.

So, these are all the updates with regards to our current situation and the updated guidelines from the official DOH handbook. With all of these in mind, it may be no surprise that you’re looking for ways to further protect your family’s future and welfare. The current pandemic has taught us to be vigilant and prepared, and indeed, it is a lesson we will put to heart even when the pandemic is over. If you’re still weighing your options, then look no further than Cebuana Lhuillier’s Microinsurance Services. It offers affordable insurance products that enable Filipinos to avail financial services and privileges that higher-income earners have easy access to. Aside from that, it also features innovative microinsurance products and services that promise to minimize the impact of distress and misfortune on one’s financial position. Feel free to visit your nearest Cebuana Lhuillier branch for more information.

Promo Mechanics

• The discount for fund transfer is available to all eCebuana mobile app users and Micro Savings Account Holders only.
• The transfer rate will be discounted to Php 10.00 for transaction send out starting from Php 400.00 to Php 5,000.00 only.
• Each eCebuana client who will avail of the service are entitled to the promo discount of up to 5 transactions a day, with a transaction limit of up to Php 5,000.00 only – total sendout transaction limits are at Php 25,000.00 per day within the promo period.
• Transactions above Php 5,000.00 for fund transfer will maintain its standard rates.
• The discount is valid from January 15 – February 14, 2020 only.

Change – We all love that word. We may all come from different lifestyles, varying family backgrounds, and segregated beliefs, yet, there is one thing that unites us all, the need for change. We expect change from others, and quite frankly, they expect us to reciprocate the same thing. We’ve all had disappointments in life, and more often than not, we happen to point our finger to others when something goes wrong. The thing is, we only acknowledge our very own need for change or improvement once someone calls us out for the things that we should be working on, and most of the time, we realize they are right. The bad thing about this is we aren’t even open-minded to do this on a daily basis; instead, we opt to practice improving ourselves only after every New Year’s celebration. People call this the New Year’s Resolution, a list of “self-improvement” goals as long as a millionaire’s shopping list during the holiday season. Indeed, we may have our own list of dos and don’ts for the New Year, but year after year, our list tends to fade away into non-existence, with us forgetting our responsibility to improve for the better.

You may ask, “How on earth can I gather the courage to push through with my New Year’s Resolutions?” The answer? Stick with only a few items on your list. Now, that may sound counterproductive at first, but hear us out. Wouldn’t it be more efficient to concentrate on a few things first then succeed, rather than to focus on many things, thus making you lose momentum overall? It’s just like the typical process within our educational system, you have to start learning the basics, the ABCs and the one plus ones, after that you may proceed with the elementary lessons, then the high school curriculum, all the way towards the complicated lessons of your college years. Keeping up with your New Year’s Resolution is basically the same thing. Take it one step at a time.

Now, it’s only appropriate for you to pick out the most important improvements to focus on for the New Year. While there are many things to choose from, there are a few which demands the most attention and devotion of your time. For starters, here are just a few of them.

1. Eating healthier this coming 2021
   Are you feeling a bit down? Drowsy? Feeling as if all the energy has gone out of your system? Well, it might be due to the lack of nutrients in your body. Believe it or not, the food we consume may affect our mood, physical strength, and even our emotions in a way that we never expect it to. A recent study from Harvard states that “multiple studies have found a correlation between a diet high in refined sugars and impaired brain function — and even a worsening of symptoms of mood disorders, such as depression.” If you think that’s bad, just try to recall how often you’d chomp down on chocolates and doughnuts. If the answer is “very often” then you may need to tone down on your desserts. Implementing effective diet plans require insurmountable effort, preparation, and motivation. Seeing as this is related to your very own health, you may need to take this seriously, after all, an unhealthy body may lead to unhealthy results towards your career and personal life. Try to start your year with a diet plan. Sort out your meals each week, focusing more on fruits and vegetables, rather than sweets and carbs. Feel free to add exercise to your diet plan as well. Body moments and proper diet goes hand in hand.
2. Interacting with positive people this coming 2021
   Of course, it can’t be helped; there will always be someone who will rain on your parade. There will always be someone who will try to ruin your day, however, your reaction towards these negativity will yield multiple results. If you choose to look at the brighter side of life, you may push through without any hitch. As much as possible, deal and interact with people who may inspire and motivate you towards positive habits and activities. It isn’t every day that you meet these types of people, so feel free to analyze every personality that you’d come across for the year. If you happen to have friends who are already a catalyst of good in you then congratulations! That’s already the first step. Now, you just need to add a few more to your repertoire of inspirations and (possibly) spiritual advisors. The reason why you might have been too irritative these past few years may be due to the fact that you’ve been in the presence of people who often complain or whine about their life, never looking at the bright side of things. Avoid being with “Debby Downers,” instead, opt for the “Angels” of the society.
3. Try to organize things better this coming 2021
   Indeed, 2020 was a mess. After a few years’ time, we will look back at this year and ask the question, “Did those things really happen?” Between the pandemic and the economic shifts, we’ve all been taken aback by celebrities passing away, by rampant storms, by stories of loss of livelihood, and so on. You may have been affected by these instances and honestly, no one can blame you. As a matter of fact, we’ve all been the shocked and awkward passengers of this crazy rollercoaster ride known as 2020, and it really made its mark on everyone. But the thing about this year is that it somehow showed us all the bad things that we can do something about. It isn’t just about bringing in the bad occurrences for the sake of having a significant happening for this year. No, it’s all about making us realize that we, as human beings, as proud Filipinos, as strong people of the globe can do something about our troubles. If you happen to find yourself always being disorganized, may it be with your time, your schedule, your tasks, your accessories, etc. then 2021 may be the perfect opportunity for you to bring about change in your life. Learn to organize things better. Start with the small things. Organize the contents of your bag, move on to your drawers and organize the placement of your freshly laundered clothes, organize your schedule, arrange your time and activities. Not only would it help clear your mind, it would also help you form a habit, a great habit of setting things in place for you to easily find them after. Organize your stuff, then it would take a domino effect, all the way towards organizing your daily activities. Take the first step and watch the magic unfold.

All of these resolutions are definitely worth following, marking the new beginning that is 2021. However, one resolution would stand out from rest, and that is the resolve to save up for a brighter future. If you’re looking for a well-trusted name that would ensure that your hard-earned money and savings are safely kept in place, then look no further than Cebuana Lhuillier’s Micro Savings services. At its core, it aims to provide easier banking access to all Filipinos. This product is a regular savings account in the Philippines, but doesn’t require a maintaining balance. It is also streamlined across all Cebuana Lhuillier branches, so you’d be able to experience the same wonderful Microsavings service without missing a beat. For more information, feel free to visit the nearest Cebuana Lhuillier branch now!

Out of darkness, there is always a ray of light called hope. When you think about it, the pandemic is one of the worst things to happen this year. Yes, there was an insurmountable amount of challenges, such as unemployment, typhoons, and even volcanic ash falls, but as Filipinos, we are strong and courageous to face any obstacle that comes our way. The most notable thing about the Filipino spirit is that it isn’t just fueled by one’s courage, it is also fueled by the good deeds of other people. We are always active when it comes to reaching out to those who are in need, we are always present whenever there are fundraising drives for people who were ravaged by storms, we are always ready to help whenever an organization needs donations for buying PPEs for frontliners, we are always there when they need volunteers during typhoons. Indeed, the virus may have limited us all this year, but it didn’t hold down the Filipino’s initiative to help each other when things go south.

In such case, even lending a helping hand towards your loved ones is made possible by a very reliable channel of remarkable service. Cebuana Lhuillier’s Remittance Service is always there to ensure that you, the ray of light that shines all throughout would be able to pass on this hope towards your loved ones, no matter where they are across the globe. For first-time readers, you may ask, “What is Cebuana Lhuillier’s Money Remittance Service? What does this service feature? What are its requirements?” Well, look no further than our introductory write up.

What is Cebuana Lhuillier’s Money Remittance Service?

Also known as Pera Padala, Cebuana Lhuillier’s Money Remittance Service an easy, safe, and convenient way to send and receive money within and outside the Philippines. You may claim the money as soon as the sender completes the remittance process in the branch. You may visit 2,500 branches nationwide and its wide network of accredited international partners.

Okay, are there any requirements? How do I send cash to my loved ones?

It’s actually very easy. The following is a step-by-step guide on how to remit money with Cebuana Lhuillier:

1. You may visit any Cebuana Lhuillier branch and fill out the Pera Padala form.
2. Then, present the accomplished form, valid ID, and 24k card (if you are a 24k cardholder) to the branch personnel.
3. Give the total amount to be paid.
4. Secure the Pera Padala form (and count the change received, if there is any).
5. Provide the 10-digit control number to the receiver/beneficiary of money transfer.

Keep in mind that the receiver/beneficiary should provide the control number and present a valid ID when claiming the remittance. They would not be able to retrieve the cash amount if ever they were to lose the control number or fail to show any valid ID for verification. Cebuana Lhuillier’s high-quality service ensures that any amount sent would only be given out towards the appropriate receiver/beneficiary, and the verification process is put in place to avoid any forms of scams from dishonest people who may try to take advantage of your loved ones.

What IDs are accepted by Cebuana Lhuillier?

Cebuana Lhuillier has always believed in the accessibility of their services, and their Pera Padala is no different. As required by Bangko Sentral ng Pilipinas (BSP), clients who engage in a financial transaction with covered institutions for the first time shall be required to present the original and submit a clear copy of at least ONE (1) valid photo-bearing identification document issued by an official authority. For our clients’ convenience, Cebuana Lhuillier no longer requires submission of the photocopied ID. IDs are captured using a webcam in all branches. Clients are also required to submit an updated photo and other relevant information whenever the need for it arises.

The forms of identification accepted are the following;

• Passport
• Driver’s License
• Professional Regulation Commission (PRC) ID
• National Bureau of Investigation (NBI) Clearance
• Police Clearance
• Postal ID
• Voter’s ID
• Barangay Certification
• Government Service Insurance System (GSIS) e-Card
• Social Security System (SSS) Card
• Senior Citizen Card
• Overseas Workers Welfare Administration (OWWA) ID
• OFW ID
• Seaman’s Book
• Alien Certification of Registration/Immigrant Certificate of Registration
• Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
• Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
• Integrated Bar of the Philippines (IBP) ID
• Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission
• Tax Identification Number (TIN)
• ID issued by the National Council on Disability Affairs (NCDA)
• Philhealth Health Insurance Card ng Bayan
• School ID signed by the school principal or head of the educational institution
• Philippine Identification Card (PhilID) issued by Philippine Statistics Authority (PSA)

For Foreign Nationals, the following are required:

• Passport
• Alien Certificate of Registration

Understandably, even your relatives from outside the country may have been affected by the virus. In such case, they’d also need financial assistance to get by for their needs. Luckily, Cebuana Lhuillier’s Remittance service extends beyond borders.

How do I send money from the Philippines towards international receivers/beneficiaries (via Moneygram and Western Union)?

1. The same high-standard approach is applied with international remittances, hence, you can expect only the safest and most secure transaction whenever you’re sending money abroad as well:
2. Visit any Cebuana Lhuillier branch and fill out the Pera Padala form.
3. Present the accomplished form, valid ID, and 24k card (if you are a 24k cardholder) to the branch personnel.
4. Give the total amount to be paid.
5. Secure the Pera Padala form (and count the change received, if there is any).
6. Provide the 10-digit control number to the receiver/beneficiary.

Regardless if your family, friends, or loved ones are here or abroad, you can expect that Cebuana Lhuillier’s Money Remittance Service can reach them, come rain or shine. Send them a ray of hope this Yuletide season and be their reason to smile, all the way towards the New Year.

Christmas is right around the corner. All around the globe, people are already organizing how they’d celebrate this year’s Yuletide season. Of course, as luxurious and eye-catching our neighboring countries’ Christmas celebrations are, nothing can ever beat the cheerful and colorful approach of Pinoys. Since we were young, we’ve always been accustomed to the usual ways of celebrating Christmas Eve, may it be with our family members or our friends. We are willing to bet that the way that you celebrate Christmas today was heavily influenced by the way that your parents and elders celebrated Christmas with you. It isn’t always the same thing with other people, but more often than not, Filipinos have varying, yet, distinctively similar ways to celebrate this “once a year” event.

Admittedly, this year might be different, in terms of how we would approach Christmas. People are still left speechless by the current pandemic, and judging by the way that COVID-19 took the world by storm, it is very understandable. Countless lives were taken by the pandemic, with the loss of jobs and livelihood coming in at close second. We’ve seen news reports of infection count going up each and every day, with the future seemingly dim for the most part. And yet, deep within the soul of people, there is a ray of light that shines the brightest whenever darkness comes knocking. For a world that was somehow unprepared by the sudden offset of an unforgiving virus, we sure are keeping our hopes up, living our lives with our head held up high, with nothing but courage and an ounce of prayer up our sleeves. This is perhaps amplified by the Filipino’s ability to wiggle out of every tight spot, still finding time to celebrate the small things in life, appreciating the (new) normal things that every day still brings.

Perhaps this Yuletide season may not be so different, but still, restrictions are still set in place by the authorities to ensure that the virus would no longer spread at an alarming rate. So, you may ask, “How else could we even celebrate Christmas (and even the New Year’s Eve) this year? Are there any alternatives to the accustomed celebrations done within the past few years?” Well, the short and definite answer would be a resounding “Yes!” Here are a few helpful tips in safely celebrating Christmas during the time of the pandemic.

1. No Reunion, No problem.
   Social distancing – a certain restriction which was implemented by the government a few months back. It may all seem like a minor setback in paper, but consider this, you would not be able to mingle with people physically until the very duration of the whole pandemic, which unfortunately, doesn’t seem to be giving off any particular date or time. For the most part, social distancing is merely considered the act of staying one meter away from other people, which is true, especially if you happen to be doing your weekly groceries. However, social distancing, when implied towards inviting over house guest would mean a detrimental kind of bonding. In such case, it would be better not to invite anyone at all. This is made more evident by the current restrictions and policies set out by our local LGUs, hence, the chance of inviting over families, friends, or loved ones for a Christmas Eve reunion would be zero to none. Now, this doesn’t mean that you wouldn’t be able to see them during the celebration; after all, this is the year 2020, where the only other thing running rampant other than the virus would be technology. We have cellphones, laptops, and computers which would enable us to contact those who matter to us. There are even software or apps which enables us to have video calls with a huge group, thus, no one would be left out. Of course, nothing beats a face-to-face celebration with your loved ones, but for the time being, your safety and well-being should be top priority.
2. Morning Mass… Through T.V.
   Here in the Philippines, we practice the tradition of the “Simbang Gabi.” Simply put, it is the devotional nine-day series of masses practiced by Filipino Catholics in anticipation of Christmas. Aside from being a tradition, it has somewhat gained a reputation of mystique among loyal church-goers who aim to have their wishes granted, as it was said that once a person completes the whole nine days of mass, his or her wish would be granted by the end. Now, due to the pandemic, certain religious gatherings these past few months were postponed until further notice, and the nine-day mass is no exemption. Fortunately, churches were able to find a workaround, in terms of how the religious activities could take place without the people lining up outside the church. Most religious events this year was broadcast nationwide, opting to bring the mass towards the churchgoers without them ever feeling the need to go out. The same would be implemented with “Simbang Gabi,” according to some recent reports. Not only would this lower the risk of spreading the virus more, it would also ensure that everyone would have a safe and blessed Christmas with a chance to have their wish fulfilled by the end.

   

3. No Groceries, No Crowd, No Worries.
   Celebrating Christmas would entail that there would be a delicious feast on the eve. Of course, we Filipinos love our “Noche Buena,” and in preparation for that, we usually have to go outdoors towards our local grocery to gather all the needed ingredients. Under any normal circumstances, this would all seem harmless, however, under the “new normal” circumstances, it is not. In any given day, you can go towards your grocery to restock on your weekly supplies (given that you are wearing a face mask and a face shield), but during the holidays, the isles are more crowded than ever, eliminating any form of social distancing and increasing the risk of the virus spreading. So, what do you do? Well, you can leave off buying the ingredients this year and instead opt for an alternative and more convenient way of acquiring a “Noche Buena” feast. During the whole COVID-19 ordeal, one form of industry seems to be more in-demand than ever, and that is none other than the food delivery business. There are a couple of food delivery clients, nonetheless, they all cater to the same customers, having a huge selection of restaurants, fast food chains, and small stalls in their menu. You no longer need to cook this Christmas Eve, just order through one of these food delivery clients and you’ll be able to acquire a feast for the occasion. You’re also in luck, because restaurants and fast food chains usually offer a “Noche Buena” bundle during the Yuletide season, so make sure to take advantage of that.

So, these are all just some of the safest ways to celebrate your Christmas Eve (and even your New Year’s Eve) with your loved ones. There may be other alternatives out there, but we will leave it up to you to decide which one would work best for you. With all of these in mind, it may be no surprise that you’re looking for ways to further protect your family’s future. The current pandemic has taught us to be vigilant and prepared, and indeed, it is a lesson we will live by all throughout. If you’re still weighing your options, then look no further than Cebuana Lhuillier’s Microinsurance Services. It offers affordable insurance products that enable Filipinos to avail financial services and privileges that higher-income earners have easy access to. Aside from that, it also features innovative microinsurance products and services that promise to minimize the impact of distress and misfortune on one’s financial position. Feel free to visit your nearest Cebuana Lhuillier branch for more information.

The COVID-19 pandemic impacted 2020 in ways which we were not able to imagine. People lost their lives; many lost their jobs, for others, their livelihood. The virus reached Philippine shores during the first quarter of the year and the impact it made, the lives it affected will forever be marked with the traumatic occurrences of this year. As of today, Filipinos are doing everything they can to recover, to rise against the hardships that were the result of COVID-19. Bayanihan is a development today, people are helping each other, reaching out to those who are in need, but even that would not be enough, due to the fact that even the ones handing out help are part of the huge population who were under the virus’ grasp. In such cases, the instinct of self-preservation and survival would kick off, urging you to try alternatives when it comes to making the most out of your remaining resources. You have money, food, water, whatever you have left in order to survive, and you need to use them wisely in order to get through these trying times.

Now, being wise about consuming your remaining resources (may it be time, money, or supplies) is not an easy thing to organize. Remember, there are other factors which may affect your budget, and these factors may become obstacles along the way, which is why preparation should go hand in hand with strategy. For the most part, you have your life experiences to help you out in forming a good plan, but just in case you still seem to miss a few important bits, we’ve prepared a couple of tips to push you forward towards a brighter and bountiful tomorrow.

1. Manage your time wisely.
   Out of all the resources that you have right now, time is definitely gold. You might have come across news which highlights the importance of our high-ranking authorities in making efficient strategies while the virus hasn’t yet reached its peak. While this was disappointingly handled, with the restrictions and regulations being set in place a bit too late, you yourself have the opportunity to avoid doing the very same mistake. Our daily life mostly relies on schedule and habits, and it’s about time for you to stick to your schedule, making sure that you would not be distracted by unnecessary things. Going out for groceries, for example, would require you to travel and spend a couple of hours buying the things you’d need for the week. If you set your alarm to an earlier time, you could avoid crowd and the traffic getting to your nearest grocery. You might say, “That’s it? Just so I could avoid the crowd?” Well, think about it, you would not be able to practice social distancing if you were to arrive at the grocery store late. You might be at risk in doing so, hence, signifying the importance of planning out your outdoor activities the day before, which means that you should schedule a quick, safe, and efficient way to accomplish all your errands before you get stuck with the crowd. Managing your time also means that you would be able to do a lot more for the day. You don’t need to cram in order to accomplish work or other personal activities. This is very important during the time of the pandemic, as our every step is further complicated by quarantine methods.
2. Manage your resources wisely.
   This includes your food, water, and electricity. Of course, electricity never runs out, so as with your water supply, but moderating their use would definitely land you a smaller bill. The economy has made things tougher for everyone, hence, if you think paying your bills was already tough before, you can be sure that the price to pay has gone way up right now. Even the prices of groceries have gone up without a hitch. COVID-19 made everything cost more than it already is, a pack of biscuits, a can of sardines, a set of cup noodles, you name it. We haven’t even dwelled on your current employment status yet. Many have lost their jobs, with companies closing down or becoming bankrupt due to the restrictions set in place as a result of COVID-19. If you happen to find yourself in the same situation, then the more reason for you to use your current resources wisely. You can’t overspend (money), you can’t overindulge (water and electricity), and you can’t overeat (food and other supplies) your way out of the pandemic, so you have to think hard about utilizing them. One great way of consuming them wisely is to practice the partition method. In terms of money, you can budget and segregate the amount to fit your whole week or month. For water and electricity, you may abide with the “elementary school” tips you were taught of before (turn the T.V. off when not in use, do not leave the faucet running, etc.). And for your food supplies? Well, you already know where we’re going with this. As soon as you’ve had your fill, then there would be no need to consume your supplies set in place for another day.

   

3. Sell off your pre-loved items.
   While the notion of having a garage sale during the pandemic may be counterproductive from the get go, remember that there are other ways for you to sell things nowadays. There are online stores to accommodate your need to implement a garage sale. Given that you’d be honest about the quality and condition of your pre-loved items, you can be sure that there are people out there who would love to buy them off your hands. This is very understandable, as there are many who are looking for a more affordable alternative than those being sold in shopping malls. If you have a set of branded clothes that you no longer use, then feel free to sell them off. Provide a complete description of the item, together with its current condition to avoid any further questions or doubt from the buyers.

If you aren’t comfortable with selling online, then perhaps you might be more comfortable with pawning. Luckily, Cebuana Lhuillier has got your back, with their renowned Pawning Service. They accept an array of items, from jewelry to gadgets, as collaterals. They also lead the pawning industry by offering the highest appraisal rate in the industry in its more than 2,500 branches nationwide. And did we mention that they implement some of the most secure and safest way to transact during the pandemic? The proper social distancing and disinfecting procedures are followed within all the branches of Cebuana Lhuillier at all times, prioritizing their customer’s health and well-being above all. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

The holiday season is finally upon us. In spite of the fact that this has been a very challenging year for everyone, we Filipinos always believe in the spirit of Christmas. Come rain or shine, we’ve always pushed through and this year is no different. Yes, our movements within society have been limited by the COVID-19 pandemic, but no new strain of virus can ever put the holiday mood down. Even while reading this, you might have a loved one or a family member sorting out their delightful (yet somehow constricted) shopping list for this year. In such case, nothing screams Christmas louder than the prospect of enjoying a well-made holiday delicacy. We’ve gotten used toour traditional “lutong bahay” dishes, but due to the current economic situation, it is understandable that our idea of a grand feast may not be the same as the previous years. Some of us went through a lot this year, some of us might’ve lost a job, livelihood, or even a loved one due to the virus and that itself is already a huge blow, but that wouldn’t stop us Filipinos from even enjoying a meal this Christmas eve. With only a limited budget, we would be able to come up with a sufficient delicacy with the right amount of ingredients. However, not everyone can come up with a grand, yet affordable alternative to every meal, which is why we’ve prepared a couple of practical holiday delicacy recipes for you to follow this Christmas.

Classic Macaroni Salad

Nothing spells Christmas delicacy better for a Pinoy than your traditional Macaroni Salad. It’s one of those Christmas treats which has been a staple for many years. You may remember your aunt or grandmother bringing a huge bowl for everyone every Christmas eve, and understandably, we can’t blame them. Not only is it delicious, it is also very affordable and convenient to make.

The Ingredients:

• 1 lb. elbow macaroni
• 1 1/2 cups mayonnaise
• 1 medium red bell pepper
• 1 medium green bell pepper
• 1/4 cup minced carrot
• 1/2 cup minced celery
• 1 medium onion minced
• 4 tablespoons vinegar
• 2 1/4 tablespoons mustard powder
• 4 tablespoons granulated white sugar
• 1/2 teaspoon ground black pepper
• 4 teaspoons salt
• 5 quarts water for boiling macaroni

How to Cook:

1. Pour the water into a cooking pot. Let it boil.
2. Add 2 teaspoons of salt and then put-in the elbow macaroni. Continue to boil for 6 minutes.
3. Drain the hot water, then add cold water into the pot. Let is stay for 3 minutes and then drain. Set the macaroni aside.
4. Combine the mayonnaise, vinegar, mustard powder, ground black pepper, salt, and sugar. Mix it well.
5. Add the minced vegetables (onion, carrot, celery, and bell peppers). Fold the mixture until blended.
6. Add the macaroni. Continue to fold until all the ingredients are well blended.
7. Cover the bowl. Refrigerate the macaroni salad for at least 3 hours.
8. Transfer to a serving bowl. Serve cold and enjoy.

Indeed, this is something that both kids and adults alike would enjoy. The sweet and homey taste would not only serve as somewhat of a Christmas comfort food, it is also a good conversation starter amongst the family. But if you think that the Macaroni Salad is the most iconic of all Christmas treats, here’s another affordable Pinoy Delicacy that owns that title by a mile.

Traditional Lumpiang Shanghai

Well, we did say that it is an iconic Filipino delicacy, but that is due to the fact that it transcends all sorts of event. It can be found in a birthday party, in a wedding party, in a company outing, in your family’s reunion, etc. It is somewhat omnipresent in all Pinoy gatherings, and for a very obvious reason, it has one of the most recognizable and very addicting taste. When you start to eat a piece, you’d definitely go for more. Luckily, it is also easy to make.

The Ingredients:

• 2 1/2 lbs. ground pork
• 1 piece branded pork cube (to add taste)
• 50 pieces lumpia wrapper
• 3/4 cup carrot minced
• 2 pieces onions minced
• 2 pieces eggs
• ¼ cup parsley minced
• ½ teaspoon ground black pepper
• 1 teaspoon salt
• 1 teaspoon Sesame oil
• 1 teaspoon garlic powder
• 2 cups cooking oil

How to Cook:

1. Combine the ground pork, carrot, onion, and parsley in a bowl. Mix well.
2. Add egg, ground black pepper, salt, garlic, powder, and Sesame oil. Continue to mix until all the ingredients are well blended.
3. Crush the branded pork cube and add it into the mixture. Blend the ingredients altogether.
4. Put 1 to 1 1/2 tablespoons of meat mixture over a piece of lumpia wrapper. Wrap and roll to secure the mixture. Continue this step until the mixture is completely consumed.
5. Heat oil in a cooking pot in low to medium heat. Deep fry the lumpia until it turns golden brown.
6. Remove from the pot and place in a plate lined with paper towel.
7. Transfer to a serving plate. Serve with sweet and sour sauce and enjoy.

Wasn’t that easy? The only concern you’ll have right after is the argument as to who would get the last piece. Now, if you happen to be craving for something meatier without breaking the bank, here’s an alternative for you.

The Philippine Embutido

Yup, another traditional Christmas delicacy to cap off this list. It is somewhat similar to the Lumpiang Shanghai recipe above, albeit having no wrap at all. Here are the go-to ingredients and the step-by-step procedure in creating a couple of servings for the whole family.

The Ingredients:

• 2 lbs. ground pork
• 1/2 cup sweet pickle relish
• ¼ cup liquid seasoning
• 2 pieces eggs
• 1 cup cheddar cheese grated
• 1 piece red bell pepper minced
• 1 cup raisins
• 1 cup carrots minced
• 1 cup onion minced
• 2 teaspoons salt
• 1 teaspoon ground black pepper
• 2 cups bread crumbs

How to Cook:

1. In a large bowl, combine all the ingredients except for the water. Mix altogether until well blended.
2. Wrap the mixture using aluminum foil. Cut a piece of aluminum foil to 12×8 inches. Lay it flat on a table. The shiny part of the foil should face down. Scoop 1 cup of mixture and place it on the middle top part of the foil. Mold into a cylinder. Roll the foil from top to bottom. Secure both ends of the foil. Perform this step until the mixture is consumed.
3. Boil water in a pot. Arrange the wrapped embutido in a steamer. Steam for 1 hour.
4. Remove from the steamer. Let it cool down. Refrigerate for at least 3 hours. Slice into serving pieces.
5. Transfer to a serving plate and enjoy.

And, that’s just about it. Hopefully, these recipes would be able to help you out in saving  small amounts for future needs. If you’re looking for a well-trusted name that would ensure that your hard-earned money is safely kept in place, then look no further than Cebuana Lhuillier’s Micro Savings services. At its core, it aims to provide easier banking access to all Filipinos. This product is a regular savings account in the Philippines minus the numerous documentary requirements, a maintaining balance and even dormancy charges! It is also streamlined across all Cebuana Lhuillier branches, so you’d be able to experience the same wonderful Microsavings service without missing a beat. For more information, feel free to visit the nearest Cebuana Lhuillier now!

The holiday season is upon us, and finally, we have something to celebrate about after all of the challenges we’ve hurdled this year. Indeed, 2020 is a year that would make its mark in history, not just because it has affected the lives of Filipinos, but because the impact of COVID-19 was worldwide. There were many defeats, tragedies, and job loss this year and some people even find it hard to smile and push on with their daily lives. It’s a good thing that we have something to look forward to, and Christmas is definitely one of them. Now, while a majority of the world is still struggling with the current pandemic, there are certain parts of the globe which has an amazingly low count of positive cases. New Zealand, in particular, was successfully in driving away COVID-19 for a certain period of time, announcing back in June that they were able to drop the positive cases to zero. This was big news back then, with many attributing the success towards the relentless drive of their leader and citizens in being vigilant and active in implementing and following all of the safety measures and restrictions set in place.

Soon after, other countries followed suit, thus, lowering their positive cases as well as the months went on. Here in the Philippines, we still have a high rate of positive cases, however, there are municipalities which have a zero recorded case as of November, so perhaps our efforts are paying off little by little. This spells out the future for us, with many social gatherings taking the spotlight again for the foreseeable future. But for now, we are told to still follow the safety measures set in place in order to halt the further spread of the virus. Now, being isolated at home doesn’t mean we can’t get to celebrate Christmas. We could still have a wonderful feast with our loved ones at home, going live for an online call to enjoy the traditional “Noche Buena” with our loved ones who may live a few municipalities away. We could still dress up and enjoy Christmas the way we used to, albeit with some minor changes. We could still wear the same fabulous clothes we adorn every Yuletide season and we could still show them off via online calls. This, of course, includes your jewelry and precious gems. Now, with everything that happened this year, it is understandable that you may have been unprepared, you were unable to plan picking the proper jewelry that would complement your outfit. But there’s no need to worry, because we have prepared a couple of tips to help you with that “daunting” task.

1. 1. First of all, don’t overdo it.
      You wear jewelry to accentuate your clothes, you don’t wear them to blind your loved ones. There is only a certain amount of jewelry that you can wear to an event or a party, and Christmas Eve is no different than that. Don’t try to imitate your Christmas tree. You may choose to wear your earrings, your necklace, or your bracelet, but you should not wear them simultaneously, especially as you’re only going to celebrate Christmas Eve at home this year. Believe us, they already know that you’re beautiful. You don’t need to impress them with the gems.

 

1. 1. Go for the Yuletide colors.
      The signature colors of Christmas would always be green, red, and white. In the case of jewelry, they would directly translate red, gold and silver (a bit farfetched, but the red is what brings them all together). An online jewelry website says it best when it comes to trying to balance out the colors – “The important thing is that they shine: no fogged silver, the gold is better yellow or white. And red is must not be just a ruby or coral: there are fun and more affordable jewels that fit well.” This is even made easier if you happen to maintain your jewelry religiously. Taking care of them would maintain their shine and glitter throughout the years.

 

1. 1. Proper timing is the key.
      Remember when we said that your jewelry should accentuate the clothes you wear? Well, that’s just rule number one when it comes to wearing your gems at a festive occasion. The other unwritten rule states that there is a proper place and time to wear them. Remember, you are wearing your jewelry at Christmas Eve, you do not need to wear them at lunch time before the event even begins. As impressive as it would be to wear a diamond necklace during lunch time, it would seem awkward (not to mention, funny) to your family. You may wear a subtle earring or ring for lunch, but nothing too “loud” or distracting.

 

1. 1. Mix and match with care.
      Just because jewels are needed to accentuate your dress doesn’t mean that it doesn’t work both ways. The clothes you wear should also balance out your overall appearance. Here are a few helpful tips from a reliable online source, with regards to matching your clothes with your gems:• A dark-colored dress is often applicable for the occasion. The jewels to match? Yellow or white gold, but also a silver jewel as long as the luster and design, is fine.
      • If you prefer a dress that is livelier with color, then perhaps go for red jewels. Don’t choose very large earrings, instead, opt for a generously sized or particularly colored ring.
      • In particular, if the atmosphere is more like a party than a dinner for a few close friends, you can opt for a cocktail ring, possibly with a predominant red hue.

 

1. 1. It’s always the thought the counts.
      Celebrating with your family, friends, and loved ones (even through online video call) is what matters most. You are allowed to wear your jewelry to lighten up the mood, but it shouldn’t be the center of attention all throughout. Never forget the spirit of Christmas and why you are celebrating it in the first place. After all that’s been happening right now, being able to celebrate, have food on the table, and have a healthy family to celebrate with is already a fantastic Christmas gift in itself.

 

Okay, so you’ve finally found a way to mix, match, and accentuate your Christmas wear and jewelry with the help of our tips, however, you find yourself wondering about the upcoming year and the expenses that you wish to leave behind this year. You plan on paying them all off, but your budget is cut short due to the pandemic, so what do you do? Simple, the answer has been at your fingertips from the very beginning. You have your jewelry which you can pawn off, and pawn them off you shall. At this point, Cebuana Lhuillier has your back. With their Pawning Service you can always come running to them, as they accept an array of items, from jewelry to gadgets, as collaterals. They also lead the pawning industry by offering the highest appraisal rate in the industry in its more than 2,500 branches nationwide. Did we also mention that they implement the most secure and the safest way to transact during the pandemic? The proper social distancing and disinfecting procedures are followed within all the branches of Cebuana Lhuillier at all times, prioritizing their customer’s health and well-being above all. Visit the Cebuana Lhuillier branch nearest you now – we assure a fast, easy and secure transaction.

Throughout the years, Cebuana Lhuillier has provided its long-time patrons with various remarkable services. Not to be limited to just pawning and appraisal, they are also heralded by their money remittance and Microinsurance service. Of course, full attention is given to their full range of micro financial services, hence, one is not exactly better than the other, as Cebuana Lhuillier always ensures that all of their customers would experience nothing but the best when transacting within their branches. But did you know that out of all their offered services, their Micro Savings definitely takes the cake, in a way that you can do more than one transaction through your own Micro Savings account.

Understandably, all forms of services have their own perks and benefits. Think of it as your local fast-food chain’s secret menu. The usual burgers and fries are often highlighted in posters, but the bubblegum-flavored ice cream is lost in the mix, only discovered by customers who dare ask. So with this article, we wish to do something different and formally introduce Cebuana Lhuillier’s “secret menu,” in terms of its being able to offer the Cebuana Lhuillier Rural Bank’s Micro Savings product through its cash agent capacity. So, sit back, relax, and let us enumerate a couple of its wonderful features that you may have overlooked in the past.

First of all, what is Cebuana Lhuillier Rural Bank’s Micro Savings Product?

For first-time readers, Cebuana Lhuillier’s Micro Savings Service is basically a regular savings account which does not require a maintaining balance. Account holders can deposit and withdraw anywhere at their most convenient time with Cebuana Lhuillier’s network of more than 2,500 branches nationwide. Filipino citizens as young as 7 years old are qualified to open a savings account, which can be considered as a “kids savings” or “junior savings” account in banks.

That seems like a very useful service in itself. Looking at it in a practical way says a lot about its accessibility and function. Not everyone can afford to open their own bank account, with your average bank asking for the usual list of requirements and immediate deposit for the mandatory maintaining balance. Cebuana Lhuillier Rural Bank’s Micro Savings Service rolls out a solution that aims to solve the struggles of the average Filipino, encouraging everyone to value their hard-earned money by saving it in a secure account.

What are Cebuana Lhuillier Rural Bank’s Micro Savings Product’s Other Features?

And now we move on to the main course. Perhaps you may have heard of these features and transactions before but haven’t had the opportunity to try them out. No worries, as we will discuss them one by one to give you an idea of what they entail and the process that goes along with them.

1. Cashless Payment (Powered by UnionPay)
   If COVID-19 has TAUGHT us anything, it’s that viruses may be transmitted even through physical contact. When an unmasked, infected person was to sneeze or cough, the droplets may contain the virus itself. Depending on where these droplets may end up, whether on another person or a solid surface, anyone else coming in contact to these things may contract the virus as well. No item or object is exempted from this, such is the case with money. Paper money or coins, it doesn’t matter, once a droplet reaches its mark, it’s going to stay there for a while, until such time that it is touched by another person or object. Since money circulates all throughout the economy, it is only applicable to have cashless transactions nowadays. Cebuana Lhuillier (in coordination with UnionPay) has something in store for its patrons all around the Philippines. Being aware of the current prohibitions set in place by the government to combat and stop the spread of the virus, they came up with a cashless transaction process that would at least enable Micro Savings account holders to pay for their preferred services without the fear of contracting the virus through infected money.
2. Withdraw Anytime (Powered by Bancnet)
   Okay, so let’s say you do not agree with the feature mentioned above. You prefer to pay your transactions via cash and have no trust towards cashless payments. It’s understandable that there are still those who would like to get their hands on their own money, making sure that they’ll be able to pay the right amount while at the same time receive the right amount of change after the transaction. The good news is, this is also made possible by Cebuana Lhuillier Rural Bank’s Micro Savings Product. With the help of Bancnet, you’ll now be able to withdraw your hard-earned money through any Bancnet member ATMs nationwide (using your Cebuana Lhuillier 24k Card). You wouldn’t even have to look far, as there are currently a total of 21,000+ Bancnet ATMs nationwide, making your withdrawal an even more convenient experience. By this method, you may also check your current balance, access the eLoad top-up function, and the bills payment feature. Take note that there may be equivalent transaction fees per specific bank ATM, so feel free to inquire at the nearest Cebuana Lhuillier or Cebuana Lhuillier Rural Bank branch for more information. And never forget to sanitize your newly withdrawn cash as well, spraying or dabbing a bit of alcohol, just to be sure.
3. Experience the Features of the eCebuana App
   Not to be limited by outdoor transactions, Cebuana Lhuillier and Cebuana Lhuillier Rural Bank also enables their Micro Savings account holders to access their other services online, with the help of their eCebuana App. They may access the eLoad Top-Up functionality, the Bills Payment section, the Insurance Purchase (New) section, the Fund Transfer function via a QR code (New), and the Pawn Renewal (New) functionality, all at their fingertips. This is also more of a safety feature, promoting staying at home rather than risking outdoor activities and transactions which may further result to the spread of the virus.
4. Pay Your Bills Online
   We may have mentioned this before, but we will emphasize it further, in lieu of the current pandemic. Nothing could be safer than handling your transactions at the comfort of your home. You would no longer need to step out of your house to pay for your bills. Just access the eCebuana App using your Micro Savings account credentials and you’re all set to complete your monthly obligations. Isn’t that amazing?

For more information about Cebuana Lhuillier Rural Bank’s Micro Savings product, you may visit your nearest branch or check out the e Cebuana App.

Microfinance services giant Cebuana Lhuillier has expanded its Cebuana-from-Home online platform to include pawning services as it seeks to provide greater safety and security for its customers who are adapting to the new normal where social distancing and community quarantine restrictions apply with the continuing spread of the coronavirus disease.

“The addition of pawning to the services offered at our Cebuana-from-Home platform is a testament to our commitment to bring our clients the best possible service even if we are in the middle of a pandemic,” said Jean Henri Lhuillier, president and CEO of Cebuana Lhuillier.

Cebuana Lhuillier is one of the country’s most accessible pawnshop chains and remittance centers in the country with over 2,500 branches nationwide.

With pawning services now part of the Cebuana-from-Home platform, Cebuana Lhuillier customers are now allowed to pawn jewelry items without going to the branch and just go online. Then, a dedicated appraiser will come to their location and appraise the item, negotiate the value, and release the loan.

“The pawn from home service is also an avenue to bring relief to our clients and help them weather this storm,” Lhuillier noted.

To avail of this new online service, clients only need to accomplish the application form on the website and their application will then be handled by a member of Cebuana Lhuillier’s TeleSales team who assigns it to the nearest rider for the fulfillment of the transaction.

The application form can be accessed on the website by logging on to bit.ly/CebuanaFromHome.

Lhuillier assures that the Cebuana-from-Home platform carries the same brand of quality service and highest appraisal that Cebuana Lhuillier usually provides in its branches.

The Cebuana-from-Home platform was first launched at the onset of the community quarantine period. Through the website, Cebuana Lhuillier enables clients to send domestic remittance, pay bills to a number of billers nationwide, and purchase Cebuana Lhuillier insurance products such as personal accident insurance and medical expenses insurance.

If there’s one thing that the current pandemic has taught us, is that whenever there’s trouble, Filipinos are always ready to help out. We’ve been through countless storms, economic turmoil, and calamities, and yet, no one was prepared enough for the insurmountable effect of COVID-19. Yes, there were warning signs early on, but even that wasn’t enough to let us know how difficult it would be today. Isolated, hampered by safety policies, and well-versed in social distancing measures, we are all “stuck” in a risky situation which is seemingly spiraling out of control, yet here we are as Filipinos, ready to reach out to to those who are in need.

You may ask, “I want to do my part, so how can I help others? What do I need to do? Who do I need to help during these trying times?” Well, look no further than our list of helpful tips on how you can help during this pandemic. Take note that you wouldn’t even have to go outdoors for the most part. Our local government agencies are doing everything they can to implement home isolation and social distancing, so be sure to follow every directive. It’s never a bad thing to lend a hand to those who are in need, however, be sure to stay safe and vigilant during these uncertain times.

1. Providing assistance to local government agencies.
   All of our frontliners are doing everything that they can to fight off the virus, however, their core strength and determination isn’t enough to deal with the pandemic. Eradicating COVID-19 is a nationwide responsibility, after all. For the most part, the best that an average citizen can do would be to stay at home and wait until the virus has been fully dealt with. For those of us who want to go beyond that, however, there is a little something that we can do to help out our LGUs and frontliners. Donating financial assistance and protective gears to your local government agencies may ease up the expense in dealing with the pandemic. You may have heard news of PPEs and isolation tents running out at an alarming rate. Our heroic frontliners would need these PPEs in order to protect themselves from contracting the virus while tending to those who were infected. Doctors, nurses, and even law enforcers are in dire need of these protective gears, and because the demand is high and the supply is low, a scarcity of PPEs occurs. Remember that these PPEs are just single-use, meaning that once they are worn for the day, they’d have to be disposed immediately, with a fresh set of PPE being prepared for the next day. This would go on until such time that PPEs would no longer be needed when tending to unaffected patients. You may donate cash or PPEs to your local Barangays or the nearest hospital or clinic.

   

2. Donating towards fundraisers and humanitarian organizations.
   There are countless humanitarian organizations in the Philippines. Most of these organizations are working towards the resolution of social issues and concerns, and the current pandemic is no different from what they are trying to achieve. Feel free to provide any assistance towards these organizations. If you can’t do voluntary work (fearing the spread of the virus) you may instead give a portion of your earnings to these organizations who are in dire need. The great thing about them is that they usually coordinate with local government offices and health sectors, so you definitely know where your hard-earned cash is going to be allocated to. These organizations do not earn anything, and mostly rely on the financial assistance of kind-hearted supporters, so feel free to chip in and provide any amount for a great cause.

3. Remitting cash towards your family, friends, or loved ones.
   Of course, aside from strangers who may be in need, you may know a couple of relatives who were majorly affected by the pandemic. Its one thing to be infected by the virus (and at least have the chance to recover with the help of your strong immunity), but to lose a job, a livelihood, and most tragically, a loved one due to COVID-19 is greater concern overall. If you happen to have a family, friend, or a loved one with the same kind of problem, reach out to them and help out financially. Assistance of any kind would be good, of course, but financial help would at least enable them to have the choice, in terms of allocating the amount towards their needs. There are countless ways of remitting cash to your loved ones, but we believe that you should be cautious when sending money. Remember, you worked hard for it, and the people receiving it should be able to acquire the needed amount with no hassle. Every centavo counts, after all. Even the remittance center itself should be sanitized. Proper restrictions and regulations should be implemented at all times. The remittance branch that you went to when sending the financial assistance should set the same high standard as the branch of the receiving end.

With all of that being said, you might be wondering if Cebuana Lhuillier has put in place the same amount of care and restrictions when it comes to protecting their customers against the virus. Simple answer? Yes, they have. With frequent and routine disinfection protocols and queuing rules set in place, no other place is safer than Cebuana Lhuillier’s more than2,500 branches. They’ve also made it convenient clients to process transactions.. Time well-spent outdoors is equivalent to money well-spent as well, and at this point, every centavo counts, and no other remittance center would value your time and safety more than Cebuana Lhuillier, with their most reliable Money Remittance service ever. Be sure to visit the nearest branch now for more information.

In one way or the other, we may own a piece of jewelry. Whether it was given to us by our elders as a family heirloom or we were able to buy it as our memorable first purchase from our very first job, we definitely have a ring, a pair of earrings, a bracelet, or a necklace safely stored within our bedroom cabinet or drawer. Sometimes, it is even given as a symbol of love, as evident with married couples and their wedding rings. In spite of the fact that they are costlier than the average shoe or apparel, they are still regarded as one of the most in-demand accessory to date. During company parties, you may be wearing a ring or a bracelet, something to accentuate your current outfit for that occasion. You may even find a couple of your fellow church goers wearing an article of jewelry every Sunday mass. Indeed, we Filipinos have our own taste and preference when it comes to jewelries. Now, this doesn’t mean that we always get to wear them. As unfortunate as it is, the current economic climate does not permit us to wear expensive accessories outdoors, unless we wish to brush shoulders with unscrupulous characters in the streets.

Yes, jewelries are more of a “very special occasion” ornament rather than a daily piece to wear, which is why they should be stored safely and properly in order to maintain their shine and precious condition. This may all sound simple from the get-go, but many people do not actually know how to take care of their valuables, let alone their jewelries. People often have the misconception that gold, silver, diamonds, etc. may never fade or does not get affected by any external means. This belief is wrong and should be corrected from the beginning. As costly as they are, they are not safe from the same conditions that also affect our most-prized possessions such as our shoes, bags, and gadgets. In such case, we have prepared a couple of helpful tips in maintaining and preserving one’s jewelries overtime.

1. Clean your jewels before storing.
   Okay, so after a night of partying you decide to go home and rest. You change back to your comfortable home clothes and store your jewels inside its usual jewelry box. However, you seemed to have skipped a very important part of preserving your jewelry. You did not clean it before putting it back in its box. Be sure to wipe off any dirt or moisture that may have accumulated within the fine crevices of your jewelry. Moisture may cause your jewels (specifically, the metal parts) to tarnish or degrade much quicker. Any liquid can be a catalyst of degradation on jewelry, ranging from sweat to raindrops, so be sure to wipe it off completely before putting it back. Here’s vital information that you may have not heard of before, storing tarnished jewelry together with untarnished jewelry may cause both pieces to tarnish as well. Think of it as a form of infectious disease which may spread across your precious gems. Of course, you wouldn’t want that to happen.You may ask, “How do I even clean my jewelry?” If you’re looking for a very efficient way, we were able to find the following method from a reliable source:

   a) Mix a few drops of mild dish detergent and lukewarm water.
   b) Saturate the jewelry briefly in the solution.
   c) Use a soft-bristled toothbrush to buff away and dirt and debris.
   d) Pat jewelry dry with a lint-free cloth.
   e) Remove tarnish with a silver polishing cloth.

   If it all seems too tasking after a long day of work and partying, then by all means, feel free to use a simple cloth to wipe away any moisture or dirt. But if you really want to be thorough with your cleaning, then stick to the method above.

   

2. Store your jewelry properly.
   As with any valuable item, jewelries should be stored in a proper manner and in an appropriate storage place. To further elaborate on this, here are a couple of examples:Jewelry made of silver should be stored in a jewelry box lined with felt. The felt helps absorb excess moisture and prevents premature tarnishing.
   • For larger jewelries, be sure to store them separately inside a felt pouch or wrapped in a silver polishing cloth to limit their exposure to air. This would lengthen their lifespan, with a small caveat; you may not be able to tell them apart when picking what to wear. This is why you’ll have to remember which is which, when choosing what to wear on that particular occasion.
   • Feel free to clean your silver jewelry regularly. On average, you’ll need to clean it at least twice a year to remove any tarnish. Keep in mind that you may need to avoid overdoing it, as this may also cause damage.
   • Segregate your jewelries. Store them in a way that they do not come in contact with the other gems. This is particularly critical for diamonds, as they may scratch other stones and metals within the same storage.
   • Keep your pearls inside a wooden box that has a felt lining. Never store pearls inside a plastic bag or box because plastic can interact with the pearls and cause them to deteriorate.

3. It’s all up in the (hot) air.
   Yes, even your current temperature may affect your precious gems. The rule of thumb is to avoid wearing your jewelries in hot weather, especially if it’s made of gold. According to an online source, “gold is a very soft metal, and the higher the karat (meaning the purer the gold), the more vulnerable a gold piece is to nicks, scratches, and even warping.” The hotter it is, the more likely it is to be affected by other solid objects, thus, there would be a higher chance of it getting scratched, or worst, being bent out of its normal shape.

Okay, so you’ve finally learned about proper jewelry storage and preservation. But what happens when you find yourself in need of extra cash? If you seem to be lacking for next month’s groceries and bill payments, you may need to pawn of your jewelries for a while, until such that that you may buy them back again. No worries, as Cebuana Lhuillier has got your back. With their Pawning Service you can never go short in any amount, as they accept an array of items, from jewelry to gadgets, as collaterals. They also lead the pawning industry by offering safety and the highest appraisal rate in the industry in its more than 2,500 branches nationwide. And did we mention that they implement some of the most secure and safe way to transact during the pandemic? The proper social distancing and disinfecting procedures are followed within all the branches of Cebuana Lhuillier at all times, prioritizing their customer’s health and well-being above all. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

The current pandemic caused a drastic change in our society. Not only are we required to follow social distancing measures, it is also imperative to stay at home, a strict safety measure that has been implemented for the past few months. Of course, along with these changes, the way we handle things indoors may have also been altered. There are routines which may have been practiced in a more repetitive way, with the tasks of washing your hands and taking a bath making a significant presence just when the directives of our local government units began making the rounds.

Personal hygiene aside, there are other things which underwent a drastic change during the pandemic, and nothing could be more critical than the way that we preserve our food supplies. The fact that people are most likely indoors 24/7 says a lot about the rations in our households. There used to be a time when people went out for dinner, crowding shopping malls and restaurants to grab a bite to eat.But nowadays, people are usually within the confines of their homes. For the most part, this is the wisest thing to do during the pandemic, as everyone must do their part in stopping the transmission of the virus in one way or another, but this certain fact also brings with it a caveat, the more that people are inside their homes, the more resources they consume or utilize, and food is definitely one of them.

With all of that in mind, we have prepared a couple of food preservation tips which you may implement within your homes. These tips may vary, depending on the type of food or supply you decide to stock up on, however, it would be wise to at least have a basic knowledge of them, just in case you happen to prefer having more than one type of food type during the pandemic.

1. Storing Perishable Ingredients
   We’re putting this at the top of the list since perishable ingredients coincidentally make up the majority of food which are usually the preference of Pinoys. Everyone has their own favorites when it comes to traditional Filipino food. We have our Sinigang, our Kare-Kare, our Adobo, you name it! The thing about these delicacies is that their major ingredients usually contain fish or meat, and as delicious as they are, they would not last long when left unattended to for a long time. You may argue that refrigerating them may do the trick, but remember, different perishable ingredients have their own set of time before they spoil, regardless if you were to refrigerate them or not. Take this chart as an example:

   Food Item	Unrefrigerated	Refrigerated	Frozen
   Meat	2 hours	1-2 Days	6-8 Months
   Fish	2 hours	1-2 Days	6-9 Months
   Chicken	2 hours	1-2 Days	1 Year
   Carrots	Up to 4 Days	4-5 Weeks	8-12 Months
   Potatoes	1 Month	3-4 Weeks	Not Applicable
   Tomatoes	5-7 Days	2 Weeks	8-12 Months
   Broccoli	2 Days	7-14 Days	8-12 Months

   As you can see from the chart, some of the perishable goods can last for a few days even when unrefrigerated, however, it is always advisable to refrigerate them, in order to lengthen their storage life. For the most part, some of them would even last for more than 5 months, given that you kept them in the freezer. Freezing them for too long isn’t really a good thing though, for one, it’s going to taste way too different if you were to freeze them for a long time. Freezing them may preserve them long enough for us to decide our own pandemic meal plan, but the disadvantage to that would be the disappearance of its freshness. No one wants bland-tasting food on the table, and an ingredient which was frozen for a very long time may yield that kind of unwanted result. Another reason why freezing an item isn’t really a good idea? Well, due to the fact that not all perishable ingredients can be put in the freezer to lengthen their storage life. Take potatoes as an example, they are not meant to be put in the freezer, instead, you simply place them in the lowest part of your fridge, the vegetable drawer.

   

2. Storing Semi-Perishable Food
   You may ask, “What are some examples of semi-perishable food?” Well, you have your flour, grain products, dried fruits, and dry mixes as major examples. We’re going to cheat a bit here, as potatoes can also be considered as semi-perishables. Sometimes, the categories just overlap. But no worries, the most important thing to focus on should be about their shelf life rather than their main categories. Semi-perishable commodities do not actually require refrigeration, instead, they can be stored in your cupboard or your typical Tupperware/plastic ware. To be more specific, this is more akin to ingredients such as potatoes, onions, garlic, and pumpkins. Be sure to store them in a place with sufficient air circulation, to further help with their shelf life. Potatoes also need to be kept away from light as they may start sprouting if left unattended.
3. Storing Non-Perishable Food
   Technically, there is no such thing as a non-perishable food or ingredient. Any type of edible resource eventually goes to waste after a certain amount of time. However, there are some food items which deteriorate or get spoiled only after a long, long period of time, which is why they were given the term “non-perishables.” Now, for a couple of well-known examples: flour, spices, canned goods, jars and bottles of nuts, and dried packet goods (for example, noodles and pasta) are non-perishable items. You may argue that some of these were also mentioned within the semi-perishable category, but remember, the categories may overlap, depending on the condition of the food product. Out of all of these examples, canned goods are the most advantageous to have around. Some canned goods can last for years, hence, you can sleep soundly at night knowing that none of them will ever go to waste, even if you’re stuck indoors while waiting for the pandemic to end.

Well, we’ve mentioned a couple of tips to help you preserve your food supplies in the most practical ways possible. This would enable you to consume your resources appropriately, while at the same time save money for future needs. However, saving your finances shouldn’t be an individual task. No, it is a team effort and you should have a well-trusted name to ensure that your hard-earned money is put in the safest place there is. In such case, look no further than Cebuana Lhuillier Rural Bank’s Micro Savings product. At its core, it aims to provide easier banking access to all Filipinos. The product is almost the same with any regular savings account in the Philippines, but doesn’t require a maintaining balance. It is also streamlined across all Cebuana Lhuillier branches which acts as its cash agent, so you’d be able to experience the same wonderful Micro Savings product without missing a beat. For more information, feel free to visit the nearest Cebuana Lhuillier now!

Precious jewelries are the main ornaments when it comes to glamour and fashion. We often see celebrities wear expensive jewelry during events or parties, and as such, they often accentuate the outfit worn by the celebrities themselves. But gold and gemstones aren’t just worn by people from high society, as we ourselves also possess our very own set of jewels. May it be a ring, a necklace, a pair of earrings, or a bracelet, we have one which brings out our style and personality. More often than not, they are worn during Sunday mass or special occasions, and once the event is over, they are locked up in our safe and drawers back home.

With this in mind, it is only appropriate to say that we Filipinos also have an eye for jewels, no matter how expensive they may get. Of course, not everyone can afford it, not every Filipino has the means or the resources to purchase their own set of gems or ornaments. However, we may usually come across the average Pinoy wearing at least one article of jewelry during our weekend travels and shopping errands, much so that we can even assume that the value of jewelry has reached the standard, affordable price in the past few years alone. But the thing about jewelries is that, just like every precious product such as gadgets or appliances, there are also imitations circulating around the market. You may have seen knock offs or imitations of cellphones within the local market place, as well as imitation brands of bags, shoes, and even flat screen TVs. Jewelry isn’t exempted from this.The bad thing is that, in spite of some jewels being fake or cheap imitations, they are often priced and passed off as the original. Some people are meticulous enough and detect these forms of deception, but not everyone has the same ability. You may ask, “How would I even determine which is fake and which is real?”

Do not fret, because we have prepared a couple of tips and reminders to help you in ruling out the deceptive imitations from the real precious gems. Keep in mind that there are different factors to consider depending on the type of jewelry. Nonetheless, you may find these all useful if you are going up against a multiple selection of jewelries.

1. The reputation of the seller.
   Let’s get one thing straight, just because a certain brand is well-recommended doesn’t mean it is always the right choice. This is true when it comes to fast food and cellphones, two completely different industries which carries the same practice when it comes to introducing new products. You have your average cellphone company introducing their new line of smartphones, all touchscreen and carrying a much bigger memory space than last year’s model. It all seems good at first, but looking at the list of features; it seems that nothing else was changed. The battery got bigger, the screen got bigger, and the memory space got bigger, but when it came to new “life-changing” features, there are none. The same thing can be said about your local fast food chain, whenever they are introducing a new “healthier” menu, you’d be disappointed to discover that they just happen to lessen the amount of cooking oil and patty used on the new “healthy burger,” but basically, the cholesterol count on the buns and dressing remains the same.The good news is that the same principle cannot be said about your well-known jewelry stores. The most revered brands which can be found in your malls are far better when it comes to their business practices. Sure, the branded jewelries they sell may go beyond your budget, but you can be sure that the price itself justifies the authenticity of the jewelry in question. The same can’t be said about jewelry resellers though. You may find these within your local marketplace, usually sporting a sign upfront that says “We buy old and broken jewelries,” owing to the fact that they refurbish and “fix” old, second-hand jewelries to be sold off again. While this may seem more practical at first, the refurbished gems may not maintain the applied fix; hence, you may end up returning them for repairs.

2. Test the item.
   If the reputation of the jewelry store doesn’t matter much to you, then you may do your own testing as well. The following are test methods which we were able to find from a reputable website. Again, the methods may vary depending on the jewelry, but that doesn’t mean that all individual methods are limited to only one jewel type.• The Magnet Test – Gold and silver are not magnetic. Hold up a strong magnet to your piece of jewelry — if it sticks, this is an immediate indication of a fake material being used.

   • The Fog Test – The fog test is best used for determining whether a diamond is real or fake. Simply breathe hot air onto the stone — a real diamond does not retain heat, so it will not fog up, while a fake diamond will.

   • The Skin Test – Possibly the best known physical test to spot fake jewelry is the skin test. Does wearing your jewelry turn your skin green, or cause any kind of irritation? Genuine gold and silver will not react with the skin, so any problems are an instant giveaway of a fake piece.

   

3. Consulting a professional.Now, all of the tips we’ve provided so far admittedly should be taken with a grain of salt. Why? Because these are all just band aid solutions compared to the absolute way of determining jewelry’s authenticity, and that is to consult a professional. Jewelers are far and few, but if you happen to have the nearest jewelry store around your vicinity, be sure to have your item checked. If that isn’t enough, some pawnshops also employ sharp-eyed appraisers who might be able to help you out in determining your jewel’s authenticity and true value. Cebuana Lhuillier, for example, employs only the absolute best when it comes to evaluating the value of your precious gems. With more than 2,500 branches nationwide, they are one of the most accessible pawnshop chains in the Philippines. Alongside safety and world-class service, Cebuana Lhuillier also gives one of the highest appraisal rates in the industry for items such as jewelry and gadgets, offering up to 30% more than other pawnshops. So if ever you’re in need of assistance, feel free to visit the Cebuana Lhuillier branch nearest you now.

Due to the pandemic, we had to change up many things in our lives. The things that we used to do before on a daily basis admittedly had to be changed, in order for us to survive. When something as serious as a virus demands utter care and attention, there is no choice but to follow all of the safety protocols. This current pandemic is no different, apparently. While there are still those who prefer to ignore the devastating impact of COVID-19, the majority of us are very much aware of the countless lives which were taken away by this horrendous virus. Which is why we are living our lives in the “new normal,” a much stricter, precautious, and paranoia-inducing routine that we are all trapped in. One of the many things which underwent major change was the way we connected with other people. Due to the fact that the virus is transmitted via droplets and skin contact, it is only understandable that social distancing measures were put in place. For introverts, this is a blessing in disguise, but for the majority of our community who are very much social butterflies, this is nothing but an obstacle which limits our social life.

If you belong in the latter category, we understand how you feel. No more social gatherings, no more parties, no more family reunions, you get the picture. We do have good news for you though. There are actually alternatives to meeting your family, friends, and loved ones, and the best thing about this is that you wouldn’t even have to leave the comfort of your home. With the advent of technology, everyone now has the ability to connect with others with just a few clicks of a virtual button. This write up is a checklist of things you can do in order to connect with your loved ones during the quarantine period, wherever they may be. Keep in mind that the following tips were written assuming that you already have the necessary tools to connect, so if you may lack one of the major communications tools, feel free to explore other options.

1. Be Online
   Everyone wants to trend nowadays. Everyone has their very own social media account, filled with their long list of friends and acquaintances. The thing about modern technology is that we often take it for granted, we often open our phones and computers and leave off reading a couple of messages from our families, friends, and loved ones. Sometimes, we even forget to reply towards their warm greetings, a trait that the majority seemed to have developed over the course of social media’s fame (or infamy). Nowadays, however, whenever you’d receive a notification, you’re the very first to click for any hope of hearing from a close relative, hoping that the message they entail brings nothing but good news. The same can be said about messages from your friends and colleagues, hoping that none of them were infected by the benevolent virus. Indeed, every chat or message notification is now worth gold, hoping to tempt in a potential surge of cheery news about a solid vaccine or cure against the rampant virus, either that or you just really want to be updated from time to time about the conditions and wellbeing of the people that matter to you. Be that as it may, the internet had brought people together over the decade, and now is no different.

   

2. Stay on the Line
   Well, if you’re old-fashioned, you may connect with your loved ones via telephone. Even before cellphones and the internet were invented, we all communicated through the telephone. Here in the Philippines, there is no doubt that we were once avid followers of this somewhat fading trend, we even have a term for it, “telebabad.” This doesn’t mean that telephones have gone out of fashion though, as we still have them packaged with our internet connection, all provided by our local communication providers. Now, you may ask, would it still be practical to call or communicate this way? Wouldn’t it hinder our message in one way or the other? Quite frankly, no. Telephones enable us to communicate with our voice, so the person on the other line would still be able to determine the emotions we wish to convey. After all, getting in touch with others doesn’t just entail conveying the main message itself, it’s how we prefer to convey that message that matters most. The enthusiasm of your voice, the worry, and even the sadness would be enough to let your loved ones know that you care about them more than ever.

3. Dust Off the Keypad
   There used to be a time when touchscreen phones were non-existent. Yes, communication devices are very much developed nowadays, you can bet that even your old-fashioned neighbor at least has the most affordable brand of a touchscreen phone. However, a few decades ago, we all relied on keypad phones. The only screen available to these phones were the ones lit up by a green LED light, accompanied by the “clicky” buttons of embossed letters and numbers, made durable by a tough, plastic material, all compact and durable during its lifetime. If you’re feeling a bit too nostalgic, then by all means, go for keypad cellphones. There’s nothing wrong with going old-fashioned, after all, isn’t that the main purpose of a compact phone? Feel free to communicate and express your love and concern towards the people that matters most.

These are just some of the ways to communicate with your loved ones without going outdoors. Not only is it safer, it is also more affordable than taking the risk with the rampant virus. Now, speaking of safety, we’re sure that you uphold the same high standard when it comes to the safety of your finances. During the time of the pandemic, one of your main goals is to save, and indeed, you have a well-trusted name to help you out with that. Look no further than Cebuana Lhuillier Rural Bank’s Micro Savings product. At its core, it aims to provide easier banking access to all Filipinos. The product is almost the same with any regular savings account in the Philippines, but doesn’t require a maintaining balance. It is also streamlined across all Cebuana Lhuillier branches as its cash agent, so you’d be able to experience the same wonderful Microsavings service without missing a beat. For more information, feel free to visit the nearest Cebuana Lhuillier now!

It’s been making news since the early part of this year and it has affected all of our lives in one way or the other. Indeed, COVID-19 has made its mark in the world, and up to this day, it still continues to instill uncertainties and worry amongst the nations. You may have known of someone who was afflicted with the virus, a family, a friend, a colleague, etc. And out of all these cases, one thing is always absolute; it takes a lot to survive. It takes a lot to survive a virus which has only made its presence felt within the latter months of the previous year until its booming infamy in the early months of this year. And until now, we can feel its effect, not only through the stories of those who’ve lost loved ones due to the virus, but also through those who’ve lost their livelihood due to the recent lockdowns and region-wide quarantine protocols. It’s as if the world stood still for a few months, and indeed, it has, as people were stuck within their homes, praying for an immediate outcome or resolution to the nightmare that is COVID-19.

With all of that being said, you may be urging to know more about this virus, its point of origin, and where we stand as Filipinos amidst this current pandemic, and for that you no longer have to look far, as we’ve prepared a couple of notable occurrences within the whole ordeal. Keep in mind that these occurrences have since been updated, with recurring results and the ever-rising number of positive cases, so feel free to compare the data with your local news and social media pages.

Where did COVID-19 originate?

According to a few online sources, “last December 31, 2019, a clustering of pneumonia cases of unknown etiology in Wuhan, China was reported to the WHO Country Office. The outbreak was later determined to be caused by a new coronavirus strain that has not been previously identified in humans.” As of this writing, no one knows who patient zero (a term that refers to the very first person to be infected with a disease) is or how he or she even got infected. There were a couple of information, citing its main origin from bats, and yes, that is indeed true. To further clarify, research has concluded that the lineage from which SARS-CoV-2 came has been circulating among bats for decades. Yes, you’ve read that right, decades. The researchers found that the virus which causes COVID-19 diverged from other bat viruses about 40-70 years ago. Apparently, SARS-CoV-2 is likely to include other viruses with the ability to infect humans. They also warn it likely includes other viruses with the ability to infect humans. Now, it’s easy to criticize these researchers for not acting fast enough to control the spread of the virus, but keep in mind that this is a very new strain, and no one even had the idea how big it would get, not until it was already too late. Even the topic of “Where did the virus really come from?” is a touchy subject that no government from around the world would push to pursue, just to avoid conflict within the already gloomy-atmosphere.

When did COVID-19 first reach the Philippines?

On January 30, 2020, the Philippine Department of Health reported the first case of COVID-19 in the country with a 38-year-old female Chinese national. On 7 March, the first local transmission of COVID-19 was confirmed. Just like the other countries around the globe, everyone was caught off guard. Yes, there’s been news of this virus making the airwaves since the latter part of 2019, but no one could have prepared for the quick transmission of the virus, neither did anyone anticipate the virus to reach their countries, let alone the Philippines.

Were people complacent all along?

No. A very big no! Remember SARS? This virus made the headlines a couple of years ago, but while it may have shaken people a bit, back then, it didn’t even spread across the globe. So perhaps, with COVID-19, people had the same perception towards the new virus that we now know as COVID-19. Everyone might have thought that COVID-19 (which coincidentally is also a strain of SARS) may just die down along the way, a footnote that would just occur within China, and nowhere else.

What has the government done so far to limit the spread of the virus?

Since its first few months of infamy within the Philippine islands, there have been countless lockdowns, GCQ, MECQ, ECQ, and MGCQ implementations done within the various regions of the country. The LGUs have also sprang into action, providing countless assistance and guidance towards the communities whose lives have been affected by the pandemic, and if you want to get too technical, yes, almost everyone’s lives have been turned upside down by the virus. You or a family member may have been safe from the infection, but your employment status may be the casualty of the current situation. People lost their businesses, their customers, their livelihood, all of the things that bought food to their table, and sadly, most of them haven’t recovered yet from bankruptcy as of this writing. Many stores shut down, many employees lost their jobs, and for those who were able to continue with their work, the commute towards their morning schedules proved to be too tasking, so much so, that many companies decided on a work-from-home setting. They are at least able to recuperate than the others.

Has there been a cure or a vaccine developed to fight against the virus?

As of writing time, no, there hasn’t been any cure or vaccine yet, or at least the right formula hasn’t been made or found yet by the ongoing trials. To say the least, the WHO (World Health Organization) has made it clear that they are doing everything they can and are coordinating with all the countries around the world to come up with a cure that can finally eradicate COVID-19.

Is there anything we can do to stay safe, aside from the usual protocols?

Well, aside from social distancing, wearing a mask and face shield, and bringing along disinfecting solutions whenever going outdoors, the most efficient way to avoid getting the virus would still be to stay at home. Many companies and establishments are even implementing online solutions, so that you could still manage your outdoor transactions within the confines of your home. One main example of this would be Cebuana Lhuillier’s Cebuana from Home app. Now you can do local remittances, register and pay for insurance and other billing obligations, and pawn off items with an app that has it all. You may check out https://remitfromhome.cebuanalhuillier.com/Home/Services for more information.

The current pandemic really made things more tasking for everyone. There used to be a time when people could simply walk up to a queue and proceed to take turns in getting their paperwork or payments done. Nowadays, this is much more restrictive since there are additional steps done to ensure that no one lining up would be infected by the rampant virus. This may seem easy to execute in paper, but just imagine the amount of people who are urging to process their papers or payments after a couple of months of being stuck at home. For the most part, these paper works and transactions are a one-time thing, supposedly done by the end of the day or even after a few weeks. But the thing about the pandemic is that it halted quite a few of our most vital government offices, including benefits, licenses, permits, etc. So, due to the daunting nature of the virus, people were forced to leave off processing these deliverables, only for the requirements to expire during the quarantine period. This means that almost everyone has to start again from scratch, revisiting their checklist in order to acquire the requirements one by one.

With that in mind, you might be one of those who are planning to line up in the coming days to process your papers. Yes, precautionary measures are put in place, but let us not forget that you are going to come across countless people who are hoping to do the same thing, and not everyone has the same regard when it comes to social distancing. Even if just one person were to violate the quarantine rules, it may prove risky for the others that he or she may have come across with, and you wouldn’t want to be a part of that. Lessen your risk, take time to prepare, and be vigilant with these pro-tips when going outdoors to process your papers and requirements.

1. Always bring your own set of disinfecting items.

You may have heard of this a thousand times already, the various news outlets and the social media pages of our LGUs have, after all, been spreading this information like wild fire ever since the virus made its presence felt worldwide. Always bring a couple of disinfecting items wherever you go. What are these disinfecting items, you may ask? The most obvious choice would be a bottle of alcohol or alcogel (whichever you’d prefer). Of course, other alcohol solutions would do, but the most preferable ones would be a 70% isopropyl alcohol solution. It may not look much, but this has been proven to disinfect against the virus most efficiently, among other things. During the first few months of the virus’ infamy, stocks may have even been low due to panic buyers, and that definitely says a lot. It’s a great thing that the stocks have since been refilled to the brim and everyone was able to buy their own set of 3 to 5 bottles (per store policy).

2. Always wear a mask. Never go outdoors without one.

There’s a reason why our current law has strictly enforced this rule, and it isn’t just about making a fashion statement. The thing about COVID-19 is that it is transmitted through person-to- person contact and through direct contact with respiratory droplets generated when an infected person coughs or sneezes. This only means that a mask would stop the virus-carrying droplets from spreading the infection in an alarming rate. The common misconception is that the mask is a one-way protection, that you wouldn’t get infected because the mask you put on would stop you from inhaling the possible droplets from another person. What people often overlook is that it would also prevent the infected person from spreading the virus, as it would limit the droplets within that very same person, may it be from a cough or a sneeze. You should also keep in mind that there is a proper way of wearing your mask. According to WHO (The World Health Organization), the white side should be the side that touches your mouth and nose, while the blue side of the mask should be the outer part. There is a scientific explanation about this, but we will not bore you with the complicated details.

3. Wear a face shield along with your face mask.

This form of protection adds an extra precautionary layer whenever you go outdoors. While you may think of it as an overkill, remember that a face mask would only cover your nose and mouth, it doesn’t cover your whole face like a face shield does. COVID-19 can enter your body even through your eyes, so keep that in mind.

4. Avoid getting in contact with other people.

While it may seem tempting to shake hands or embrace a “long-lost” friend among the queue of people, take our word for it, don’t!  Remember, the virus is transmitted through droplets, so even if your friend were not a positive carrier, he or she might have come across a person not wearing a mask, sneezing or coughing that droplet on to your friend’s hand or skin, thus, transmitting it unknowingly. Yes, it may take a huge amount of self-control to get over hugging a good friend or a family member, but remember, prevention is always better than cure, and you could save more lives by abstaining from hugs and handshakes (for now).

5. Strengthen your immune system.

You might already know this, but for the other readers who may have not caught wind of this information or are still hoping to violate quarantine protocols, this information is especially for them. As of this writing, there hasn’t been any cure or vaccine yet made to fight COVID-19. We wish to emphasize on the statement of “there hasn’t been any discovered cure yet.” Yes, we are all hopeful, yes, there have been ongoing trials for the vaccine, but there isn’t even any solid formula yet. The most viable armor you have right now is your immune system. Unlike video games which present a bright blue bar corresponding to your character’s armor, there are no real-life meters to indicate the strength of your immune system; instead, you have your habits to indicate that for you. Eat healthy food like fruits and vegetables, exercise regularly, take care of your body, etc. All of these are elementary tips which should have been practiced by all adults a long time ago, and indeed, now is the most critical time to do just that.

With all of that being said, you might be wondering if Cebuana Lhuillier has put in place the same amount of care and restrictions when it comes to protecting their customers against the virus? The simple answer? Yes, they have. With the frequent disinfections and queuing rules set in place, no other place is safer than any of their branches. They’ve also made it convenient for all their patrons to process their transactions without any hassle. Time well-spent outdoors is equivalent to money well-spent as well, and at this point, every centavo counts, and no other remittance center would value your time and safety more than Cebuana Lhuillier, with their most reliable Money Remittance service ever. Be sure to visit the nearest branch now for more information.

There are only a couple of things which are certain in the Philippines, two of which are the weather. On one hand, we have the blazingly hot year-round summer seasons; on the other hand, we have the wet (and mostly destructive) rainy seasons which falter each time it reaches Philippine shores. Understandably, we are a tropical country, which is why almost every month consist of the hot summer sun, regardless if it’s the first eight months of the year or the “Ber” months which comes after. You may even find yourself sweating profusely while reading this, and believe us, even when we were writing this article, we were experiencing the exact same thing. But all of that is nothing compared to the faltering rain showers which rarely shows up within the country. For some, it is a sure sign of comfort, with the rain ushering in the cool temperature in days which would otherwise be a heat trap, for others, not so much of a cool, comfy weather, but a rather a very horrible one. Here’s the thing, when we say that the Philippines’ rain showers are rare and usually falters, it is a mere overstatement. Yes, it would only rain for a few days or so within the year, and yes, usually, it starts out weak, but within that very limited timeframe and weak start, the raindrops just keep on adding up, escalating by the minute, until you realize that the supposedly weak rain shower for the day has turned into a full blown typhoon. Make no mistake, the Philippine weather is already unpredictable by all accounts, but when the rain drops, you better find a high ground covered by a sturdy roof, because if not, you’re definitely going to get wet.

But that is not to say that you wouldn’t be able to prepare for the upcoming rain showers. No, you actually have a lot of options when it comes to going up against the gloomy weather. Make time to follow these options and perhaps, you may just get by without getting drenched by the downpour.

 

1. Take time to check on your daily forecast.

If you happen to watch the evening news then you’re in for a treat. Before the nightly news ends, the weather report for the next day is usually heralded by the resident weatherman. Take note of his “predictions” and feel free to analyze his animated charts for a better understanding of tomorrow’s weather. Of course, weather patterns may change from time to time, so feel free to follow up with a weather app (you may already have one on your phone, packaged with the usual software). Even if the weather report shows a very sunny day, take that with a grain of salt and prepare for any unexpected showers. Be mindful of what you’re going to wear the next day. Perhaps go for apparel which would allow you to move freely, come rain or shine. Remember, no person can ever control the weather, if it’s going to be a very sunny day and you’re wearing thick clothes, then that is completely on you. The same can be said about a very rainy day, with the downpour seething in because you wore clothes which are fully absorbent.

2. Never forget to bring an umbrella.

Regardless of the weather, your only trustworthy friend would be your umbrella. Basically, you have to protect yourself from all kinds of weather, and umbrellas are a perfect fit for both rain and sunshine. To maximize its use for a hot day, go for black umbrellas, as they often deflect heat more effectively than other colored umbrellas. For a rainy day, however, feel free to use any other color. If you don’t want to carry a lot of things during commute, then perhaps a folding umbrella may just be right up your alley. You can purchase them from your local apparel stores and shopping malls. The best thing about them is that they aren’t even expensive, you can buy them for a very affordable price, but beware, some umbrellas are much tougher in quality (non-bending), hence why they are costlier than the usual.

 

3. If it isn’t important, avoid going outdoors.

Okay, so you’ve managed to watch the recent weather forecast, and according to the weatherman, you’ll be having rain showers all day long. So, what do you do? Well, you must first analyze your options, think about your outdoor activity for the day. If it’s about paying your bills or processing a very important personal paperwork, then by all means, surge through the rain wearing your protective gear. However, if it’s just about checking the latest mall in town or dining out, then you might as well cancel the whole thing. Remember, your safety and welfare is more valuable than any other excuse to go outdoors. For now, we are even riddled with an ongoing pandemic, so both the rain and the rampant virus are both dangerous adversaries which you have to avoid getting tangled with. Social distancing and sanitation protocols might be in place, but they aren’t enough to protect you 100% of the time. Stay safe and stay put in the comfort of your home.

 

With all of that being said, it is only understandable that you may want to get yourself and your future protected against all odds, after all, it isn’t just the gloomy weather that you’d have to worry about. There are a lot of external factors which may or may not affect your well-being, and it may not be a surprise that you’re weighing in your options right now, analyzing which establishment would be best for availing a well-trusted microinsurance premium and coverage. Look no further than with Cebuana Lhuiller’s Microinsurance Services, an affordable insurance product to help Filipinos avail of financial services and privileges that higher-income earners have easy access to, with 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.

Have you ever experienced being a part of a club, which grants you rewards and bonuses every time you avail or accomplish something within the rules and regulations of that particular club? This concept isn’t really a new thing, since certain shops and establishments have been doing this for many years. You have various promos, leads, and discounts depending on the frequency of your purchases, and you are in fact considered too valuable to be a lost-cause customer. You are one of the many patrons who are keeping the business on its feet and you will always be considered a special part of the business itself.

Indeed, this might be something that you are very much aware of. In fact, we are willing to bet that you already have a couple of membership cards in your wallet, all attributed to multiple establishments which you may have bought from in the past couple of years or so. With that in mind, we wish to introduce you to another exclusive loyalty program that you may participate in, featuring all the right perks and rewards that you can ever ask for. We wish to introduce you to Cebuana Lhuillier’s 24k Loyalty Program!

 

What is Cebuana Lhuillier’s 24k Loyalty Program?

The 24k Rewards Program is a program that provides perks and rewards to Cebuana Lhuillier clients. By availing the 24k Card, you will have exclusive privileges, discounts and special service offerings that can be used every time you transact with Cebuana Lhuillier. You can earn 1 point for every Php 40 interest or service fee you pay. Yes, you read that right, each point is worth Php 1.00.

 

Where can I sign up for the Cebuana Lhuillier’s 24k Loyalty Program? Where do I get my Loyalty Card?

You may visit the nearest Cebuana Lhuillier branch to get your very own 24k card. After which, you have to register your card at https://www.24konline.ph/signup/. Keep in mind that you should provide all the correct details in order to utilize the various features of 24k online.

 

May I use the features of the 24k online even though I have no 24k card yet?

Yes, you may. Cebuana Lhuillier made sure that their 24k Loyalty Program would be accessible by people from all walks of life, which is why even if you are a non-card holder, you can still get to experience the perks and rewards of being a member of the loyalty program. This is made possible as non-card holders may register online and receive a virtual card instead. This is a convenient way of experiencing the benefits of the loyalty program without having to add an extra weight in your wallet.

 

What are the features of the 24k online website?

You may accomplish the following transactions and use the said features within the 24k online site:

-Buy eLoad

-Appraisal Calculator

-Remittance Tracking

-Transfer Points

-Renewal/Redemption Calculator

-Buy Insurance

-Online Appointment

-Branch and Partner Locator

 

That looks good and all, but is there more that I need to know about the loyalty program and its website?

Yes, you may have to take note of the programs’ terms and conditions as well. The full version has a lot to take from, but we’ve chosen a couple of vital things which you may have to remember while using the 24k card and its equivalent website:

 

• As the cardholder, you shall be liable for all transactions made through the use of the 24k Virtual Card.
• All Cebuana Lhuillier clients can apply for the 24k Virtual Card. Existing 24k cardholders have the option to also apply for the 24k Virtual Card.
• The 24k Online Portal is completely customer self-service where the card holder shall enter/provide the 24k card number and preferred password. The issuer recommends the use of a strong but easy to remember log in details.
• Cebuana Lhuillier reserves the right to block access and or edit or remove any material which may give rise to a breach of these Terms and Conditions of Use.
• The cardholder has full responsibility over the security of his/her PC, Mobile Device/s, SIM card and confidentiality of his/her User ID and password/s and all transactions.
• It is cardholder’s sole responsibility to change the password through 24k Online Portal if its confidentially has been reasonably suspected to have been compromised to avoid any unauthorized use of the cardholder’s account.

Take note of those terms and conditions so that you wouldn’t run into any trouble while using the website or your 24k card.

 

Do all transactions give off a single point?

No, as a matter of fact, there are a couple of transactions which provides more points:

• Domestic Remittance – 1 point
• Pawning Transaction – 1 point
• International Payout – 3 points
• International Sending – 5 points
• Every P40 interest or service fee paid at any Cebuana Lhuillier branch – 1 point

You may claim your points online via the new 24k website.

 

Are there any rules when it comes to redeeming points?

Not much, except for the following conditions:

• To redeem and use the reward points, you (the card holder) should have a minimum of twenty (20) stored points. Php1.00 is equivalent to 1 point.
• If no error is reported by a card holder within 7 days from the last transaction, Reward Points reflected on the receipt shall be deemed correct.
• Rewards Points will not be offered for cancelled transactions or any transactions subsequently reversed or refunded in whole or in part.
• The issuer reserves the right to change the Rewards Points earning rate. The issuer also reserves the right to restrict or limit the number of Rewards Points earned on each transaction in connection with special program, facilities and promotional activities.

 

How exactly do I earn my Rewards Points?

There are four simple ways for a card holder to earn reward points:

• Pawning Transactions (sangla, tubos, at tubo) – monthly interest and liquidated damages paid by the client will earn a corresponding number of reward points.
• Domestic Sending Money Remittance Transactions – remittance service fee paid by the sender will earn a corresponding number of reward points.
• International Remittance Transactions – every international sending transaction will earn five (5) points and three (3) points for every international payout transaction.
• ProtectMax Microinsurance – every Certificate of Cover (COC) purchased will earn one (1) point.

 

Well, this is just the beginners’ lesson when it comes to Cebuana Lhuillier’s 24k Loyalty Program. If you’d want to know more or are interested in joining the loyalty program itself, feel free to visit https://www.24konline.ph/login/ or you may visit our official website at https://www.cebuanalhuillier.com/ for more details.

Halloween season is here. For the most part, we Filipinos aren’t really enthusiastic about this particular seasonal event, due to the fact that it isn’t engraved in our culture. Sure, we are all in a festive mood by now, but a lot of that enthusiasm is focused towards our love for Christmas. Being a dominantly Catholic/Christian nation, it is only understandable that we are more inclined towards this particular celebration, rather than one which incites superstition and the supernatural. As such, it can’t be helped that Halloween itself is seen as a trivial, often overlooked form of event, rather than a month-long tradition that can ever be taken seriously by Filipinos. Of course, that wouldn’t stop some of us from discovering new ways to distract ourselves from the current pandemic, as the past few months really took its toll on everyone. Perhaps, even for a week or two, some of us may “escape” reality and bond with our family over a plastic pumpkin-shaped trinket of sweets.

With that in mind, you might be one of those who are looking for ways to have fun with your family during the pandemic, without even breaking the bank. Everything seems to be costly nowadays, so every expense should be taken with utter caution, and overspending may put the family budget at risk. But fear not, for we have prepared a few spooktacular tips for you to celebrate Halloween with your family without sacrificing much of your budget.

Watching Horror Movies at Home

You do not have to go outdoors to enjoy the Halloween season. As a matter of fact, you can enjoy Halloween just by staying at home. Especially during the pandemic, you should round up all your family members and let them know that you have something in store for them during the night of terror (October 30, as usually plotted out on most horror movies). Feel free to pop in an old horror movie in your DVD player, prepare a bowl of snacks, and pour in a couple of sodas, while you comfortably sit with your family, enjoying the screams of the protagonist trying to escape the scary madman of the movie. If DVDs are too old for your taste, you can simply log-in your streaming subscription and choose to stream newer titles that your kids and teens may be more familiar with (zombies, zombies, and more zombies). Nonetheless, enjoying Halloween night at home is a lot less scary because you have each other to embrace during the sudden scares and thrilling moments. It’s also a way of avoiding the real horror outdoors, which is the current pandemic that’s been haunting our fellow Filipinos for quite a while now.

Making Sweet Halloween Treats in the Kitchen

Your Halloween family bonding isn’t just limited to watching horror flicks in the living room. To say the least, there are other fun ways to enjoy the spooky season while having quality time with the family. If you happen to have a certain skill in cooking or baking, then this one may fit your timetable. Being a good cook or baker isn’t just about impressing other people with your delicious treats, it’s also about creating something “golden” without having to spend much of your tight budget. The test of being a skilled in the kitchen would all come down to whether or not you are wise enough to use the ingredients that are readily within reach, without having to go out to buy more. Show this unrelenting skill and impress your family by organizing a bake off during Halloween night. Come up with creative Halloween-themed cookies, cupcakes, or brownies and add a little flair to your spooktacular creations. Your kids and teens would love it too, because for the first time since the start of the pandemic, they would be able to do something that they haven’t done before, and that is to learn how to cook/bake. Yes, they may have tasted your sweet home-made treats before, but in terms of making those treats, they may have been on the sidelines, merely waiting for the finished product to reach their plates. This is the perfect opportunity to train them in the art of cooking.

Creating Goofy Halloween Masks and Other Spooky Crafts

This activity is targeted to the younger members of your family. Kids love to get messy with their art materials, and this Halloween season, there are no limits. Let them have their fun with crayons, watercolor, and paper mache (with parental supervision, of course). Bring out their creative side and nurture that moving forward, who knows, your toddlers may turn out to be future graphic artists and painters. The thing about this activity is that it doesn’t require a whole lot of materials. You may recycle old newspapers at home, then buy a couple of crayons at your nearest grocery store (they aren’t even expensive, just choose the non-toxic ones). If your kids are too young to handle glue and paste, then be sure to help them out. If you’re going to use felt and colored paper, the paste may cause these colors to stick on their clothes (paper residues), so utmost care is a must.

Storytelling in the Dark with Nothing but a Flashlight

The most valuable thing you can share your loved ones during Halloween night would be fun and scary memories. Get creative and walk down memory lane. Tell your kids about your past experiences which may or may have not been affected by supernatural beings (we’re exaggerating on this, but you get the idea). Add a bit of truth to your stories, incorporating valuable/moral lessons which they may add to their character while growing up. Of course, you may need to clarify on the details someday, so they wouldn’t grow up to be very suspicious people, but think of this as a way to teach them the dos and don’ts of life, without leaning too much on the supernatural aspect and the best thing about this activity? You don’t have to spend money at all. Of course, you may need batteries (for your flashlight) and a couple of snacks, but other than that, you’re going to save more on the electricity charges with the lights off.

These are just some of the ways to have fun during Halloween night without “breaking the bank,” so to speak, but if you’re looking for a well-trusted name that would safely value the security of your hard-earned money and savings during these hard times. Well, look no further than Cebuana Lhuillier’s Micro Savings services. At its core, it aims to provide easier banking access to all Filipinos. The product is almost the same with any regular savings account in the Philippines, but doesn’t require a maintaining balance. It is also streamlined across all Cebuana Lhuillier branches, so you’d be able to experience the same wonderful Micro Savings service without missing a beat. For more information, feel free to visit the nearest Cebuana Lhuillier now!

Halloween night isn’t usually a festivity celebrated by Filipinos. We are familiar with fiestas, Christmas, holy gatherings, and New Year’s Eve, but “the night of terror” is often an overlooked celebration all in all. Of course, there are references to it within the Philippine pop culture, often being plotted as the release date of local horror movies and scary documentaries after the evening news. You might have a relative who grew up in the province, claiming spooky stories of apparitions and mysterious happenings at sundown. You might have even seen a couple of Halloween-themed costumes and treats within your nearest grocery stores and malls, signifying that the local businesses are aware of it, capitalizing on its fame (or infamy) in order to boost sales. But compared to our international counterparts, we do not really celebrate it with enthusiasm or enough effort the way that we do with other holidays. There are countless explanations to this, but we can usually attribute that to our longstanding culture and religion.

Now, this doesn’t mean that we can’t have fun during Halloween season, of course. The thing about this particular festivity is that it is often seen as a waste of time and money, with many critics pointing their fingers towards impractical costumes and sweets. Especially with the country’s current situation, every Centavo counts, and if we were to waste money on such a trivial occasion, we may feel the long-term effects within the coming months. Luckily, there are always affordable alternatives when it comes to celebrating every event or happening, and Halloween night is definitely one of them. Workarounds are always in place to ensure that we’ll be able to have fun, without sacrificing much of our budget, and that is most evident with Halloween treats. As they say, nothing brings a family closer than with a fun, productive activity that can teach each and every member something new, and cooking or baking is a surefire way of doing just that. You may ask though, “What Halloween treats or delicacies should I make with my family? What affordable ingredients do I have to buy to make these kitchen creations? Are they even easy to prepare?” No need to worry, as we have prepared a couple of easy-to-follow recipes in making sweet and delectable (no trick) treats for a spooktacular night.

 

Blood-Red Bingsu

Bingsu or Patbingsu is a well-known Korean dessert, usually made up of shaved ice and condensed milk, topped off with sweet syrup and fruits. You may have tasted one already through your Korean-themed local fastfood, but did you know that it is also fairly easy to make?

Ingredients:

For the Red Syrup Topping

• 1 cup of strawberries
• 2 tbsps of sugar
• 1/2 cup of all-purpose cream
• 1 cup of water
• 1 and 1/2 tsps of soy lecithin

For the Milky Ice

• 2 cups of water
• 1 can of evaporated milk
• 1/2 cup of all-purpose cream
• 1/2 cup of condensed milk

For the Fruit Topping

• 1 cup of strawberries
• 1/2 cup of sugar

Instructions:

• Let’s start with the milky ice. You need to blend all of the milky ice ingredients together, after which, you’d need to pour the mixture into an ice cube tray. Leave it overnight in the freezer.
• To prepare the fruit topping, you need to cook the strawberries in a saucepan with sugar. Set the stove to medium heat and cook until the mix is thickened. Make sure to crush the strawberry pieces while you stir.
• Let us move on to the red syrup topping. First, you need to blend the first four ingredients together (strawberries, sugar, all-purpose cream, and water) until it is processed into a smooth mixture, after which, you need to transfer it to a deep glass bowl. Add in the soy lecithin and mix with an immersion blender until the whole mixture begins to foam.
• The milky ice cubes should then be shaved (using a scraper) into a large bowl, followed by the fruit topping and red, foamy syrup.

Keep in mind that you may need to prepare the ingredients the day before (if you’re even planning to serve this on Halloween night itself), as you need to freeze the milky ice overnight.

 

Creamy Pumpkin Soup

Nothing screams Halloween louder than a good old pumpkin. It has since been recognized as a Halloween symbol (along with bat and ghost shapes), mostly adorning the outdoor windows, often having carved faces and spooky imagery. But this recipe isn’t all about the decorations, but rather the home-made, creamy goodness to warm up the chilling Halloween night.

Ingredients:

• 1 tbsp of butter
• 1/4 cup of finely chopped onions
• 500 grams of cut up pumpkin (also known as squash here in the Philippines)
• 3 cups of water
• 1 piece of bay leaf
• A few bits of salt and ground black pepper
• 1/2 cup of evaporated milk
• 1 pack of all-purpose cream

Instructions:

• First, you need to melt the butter in a saucepan. Set the stove to medium heat and add in the onions. Sauté until they are all softened.
• Add in the cut up pumpkin/squash and sauté it for about 5 minutes. You’d then need to pour in the water. Add in the bay leaf and season to taste with the salt and ground black pepper.
• Bring it to a boil, then let it simmer until the pumpkin/squash is cooked. Remove the bay leaf then add in both the evaporated milk and all-purpose cream.
• Mix it well. You may even use a hand blender to make the soup as smooth and creamy as possible. You may add more water, salt, and pepper, depending on the taste and texture of the overall mixture.

You may consider this as part of your dinner during Halloween night, accompanied by freshly-cooked rice.

 

Strawberry Ghost

Here’s something cute and boo-tiful to lighten up the mood during Halloween night. Basically, these are strawberries dipped in melted white chocolate, shaped and left to cool in order to create a ghastly aesthetic. Not only is it fun to make, it’s also healthy for the kids.

Ingredients:

2 cups of strawberries

1 and 1/2 cups of melted white chocolate

1 tsp coconut oil

1/4 cup of mini chocolate chips

1 cup of melted chocolate chips

Instructions:

• First, you need to prepare a baking sheet. Line it with parchment paper.
• Next, you need to combine the melted white chocolate and coconut oil in a large bowl. Stir the mixture thoroughly.
• Here’s the fun part. Dip the strawberries into the white chocolate mixture, then place two mini chocolate chips on the top half of the strawberries for the eyes.
• Place the dipped strawberries on the baking sheet you had prepared earlier and place it in the refrigerator for about 10 minutes, or until the white dip hardens.
• Pour the melted chocolate chips in an icing bag (a Ziploc with one corner cut by a scissor would suffice as well) and form the mouths on the dipped strawberries. Place it in the refrigerator once more to allow the melted chocolate to cool. 5 minutes may be enough, but again, feel free to leave it in there longer if the melted chocolate hasn’t hardened yet.

All of these treats should be shared, hence, why none of your loved ones would be left out during snack time.

Well, this is just one way of saving money while having fun with your family during Halloween night, but you may be looking for a well-trusted name that would safely value the security of your hard-earned money and savings during these hard times. Well, look no further than Cebuana Lhuillier’s Micro Savings services. At its core, it aims to provide easier banking access to all Filipinos. The product is almost the same with any regular savings account in the Philippines, but doesn’t require a maintaining balance. It is also streamlined across all Cebuana Lhuillier branches, so you’d be able to experience the same wonderful Micro Savings service without missing a beat. For more information, feel free to visit the nearest Cebuana Lhuillier now!

Whether we like it or not, the pandemic is still ongoing. Many of us are understandably frustrated, urging to go out after spending the past few months being stuck indoors. While the guidelines have somewhat been relaxed in some parts of the country, strict rules are still being followed in areas that are deemed a possible high-risk zone. The urban landscape, for example, is the main spot of these implemented rules, and as long as the confirmed cases are still at an all-time high, the said regulations will remain in place. Now, as the virus continues to haunt our society, simple transactions and processes are somewhat tougher to accomplish. The long lines and hassle are part of the “new normal,” making your everyday routine a lot more tedious than the usual. Money remittance is no exemption, as people tend to line up during the early hours, just to receive a handful of financial aid from their loved ones.

The good news is, in spite of everything that’s been happening around the country, Cebuana Lhuillier’s everlasting goal to provide each and every Filipino with exemplary service still remains to this day. No virus or pandemic would ever change that, which is why they recently launched an online service that would cater to the needs of every Filipino.

Cebuana from Home is an online service that aims to serve the Filipino people at the safety of their homes. There used to be a time when patrons would line up for a few minutes just so they could have their money remitted or their jewelries appraised. Now, with the “new normal” being rolled out, Cebuana from Home is a great companion for every Filipino who do not want to risk being caught within the dangerous grasp of the virus, while at the same time continue with their usual transactions with only the most-trusted name in money remittance.

Where can I access it and what are its features?

You may access Cebuana from Home via their official website at https://remitfromhome.cebuanalhuillier.com/Home/Services. The features are tailor fitted to provide the usual services that every Filipino wishes to pursue at their preferred branches. The online system has been streamlined, so it doesn’t matter if you’d run the online transaction at home or through an internet café, as long as the customer were to provide the complete and correct details within the corresponding online forms.

1. Online Domestic Remittance

Cebuana from Home’s Online Domestic Remittance enables Cebuana Lhuillier’s long-time patrons to send money towards their loved ones, without even leaving the comfort of their homes. They just need to click the Domestic Remittance option from the main menu, after which, they would be redirected towards an online form. The sender would need to provide his/her complete details, along with the details of the person to whom he/sheis sending the money to. This online service is pretty flexible as well, in the sense that it allows the sender to either use his GCash, PayMaya, BPI, BDO, or other bank accounts to send the corresponding cash remittance. Of course, he would still need to send the receiver a heads up for when the online transaction has been successful, so that the receiver may spring into action when acquiring the amount. Again, just make sure that the details are all correct and complete, so as to avoid any confusion within the process. It is as easy as 1-2-3.

2. Online Insurance

Of course, Cebuana Lhuillier has expanded its reach for its insurance service as well. Similar to the Online Domestic Remittance service, the Insurance option should be chosen at the main menu, after which, the user would be taken straight to the insurance section. Once inside that webpage, the user has three main options to choose from. We have the PA Prime, the ERCare, and the TeleCare. Each and every one of these insurance offerings has their own features and coverages. PA Prime has an annual premium of P100, ERCare has a premium which starts at P550, and TeleCare has a premium that starts at P200. Of course, there is more to see if the user were to choose one of those insurances. Clicking on one of them would bring the user towards that particular insurance’s main page, thus explaining all of the features and packages of the said insurance option. Below each main insurance page are two vital parts which the user should be aware of, the first one being the complete “Terms and Conditions.” Right below that would be the “Buy Now” option, which would enable the user to enter the purchase page, if ever he/she were to have a quick decision within the very same day, with regard to his/herinsurance preference.

3. Online Payments

Not to be confused with your general utility bill payments, Cebuana from Home only accepts the following payments at the moment:

1. Asialink Finance Corp.
2. Converge ICT Solutions Inc.
3. Finaswide Credit Corp.
4. Global Dominion Financing Inc.
5. Home Credit
6. Motor Star
7. Probikes Motorcycle Center
8. Subic Water
9. Sumisho Motor Finance Corp.

Clicking on any one of these would bring the user to the main payment page, where he/she can fill up the needed details to proceed with the payment process. As with the other online services, this one wouldn’t take long to finish. They also accept GCash, PayMaya, BPI, BDO, and other bank accounts as a valid source of the payment itself.

4. Online Pawning

The last online service would be the online Pawning option. Unlike the first three options, this would have an extra step before getting to the main payment page. After clicking “Pawning” from the main page, the user would then be asked if he/she wishes to make a “New Pawning” transaction or a “Pawn Renewal” transaction. Choosing either of the options would take the user to the main fill-up page, where he/she would need to fill in the needed details (including information about the jewelry) in order to proceed. As with the other online services, every detail should be correct and complete, to avoid any confusion within the transaction.

So, that’s just about it. For more information about the Cebuana from Home service, you may visit https://remitfromhome.cebuanalhuillier.com/Home/Services or contact the following details: [email protected] or call Cebuana Lhuillier at (+632) 759-9888/(+632) 779-9888 Local 1372 or 1373 or via (+63)918-488-3912.

“Which one should I pay first?” This is probably the question you’re asking each time you receive your bundle of bills. It isn’t easy to budget your financials, especially if all of your subscriptions are urging to be fulfilled in one way or the other. The thing about expenses is that they will remain at your grasp unless you pay them off. It’s like trying to cook rice while watching your favorite soap opera. As much as you’d like to focus on what you’re watching, you can’t, as leaving off the rice to cook all by itself would result to a very toasty lunch, or worse, a burnt kitchen. Every bill has their own due date, and not paying off the whole amount before that said due date would either result to a penalty or a disconnection, and both are something that no one wants to pay extra for.

Now, everyone seems to have the habit of spending all their money in one go, paying their bills while going for groceries after. It may seem wise at first glance, as the notion of “hitting two birds with one stone” would always come to mind. However, this isn’t always the case. Paying off all your bills during the same day as your grocery restock also has its disadvantages. For one, all of your budget would usually be allocated towards your bills, thus, your groceries would be limited to the ones that you can purchase with whatever’s left of your money. Aside from that, there may also be emergency situations which would require you to shell out a certain amount, and that would be bad if you have nothing left. Of course, there’s nothing wrong about paying your monthly obligations, but there is a far better and practical way of paying them, in order for you to still have a few extra savings by the end of the month.

The Battle of the Due Dates

Out of all the bills you’d receive every month, the electric bill would be your most crucial dark horse. There is no question; electricity is a must-have for all households. Take that away and you have no cold water, no cool air, no light, and no entertainment. It’s just a necessity that somehow everyone takes for granted, yet, creates a huge impact when it is absent. Of course, you need air and water to live, but electricity is somewhat a catalyst when you want to experience comfort on a daily basis. With all of that being said, this should be your number one priority. If you think a few minutes of brownout is bad, having no electricity for a week because you missed the due date is much worse.. Pay all of the pending amount if you have to, just don’t let your electricity go.

Depending on the interval, right after your electricity bill would be the water bill. Admittedly, these two bills compete for the top spot, with regards to their due date. You might even receive them around the same time that you begin receiving your monthly bills. However, there is a short pause among them, which is why you should not pay them simultaneously if you know that you’re going to end up short on cash even before the other bills arrive. Pay for the electricity bill first, and then when the water bill arrives, be sure to sort out your budget. If it is enough and you have a little extra amount for food and groceries, feel free to pay off the water bill as well. If your budget would not permit you to accomplish all of this, then take notice of your water bill’s due date. You may need to adjust your grocery list, lessen the items to buy without compromising much of your essential needs, find ways to earn a little extra or wait for your next payday (if possible), just make sure that the water bill gets paid at least a day before the due date. Your last option would be to borrow cash from a well-trusted friend or family member, though make sure to pay them back once you get your next pay. This is for when you don’t really want to get penalized or your water lines cut. It isn’t easy to borrow money from other people, but it’s practical and understandable.

With the main essentials out of the way, we may now talk about your luxury bills, such as your cable connection and your internet connection. Entertainment is important, but not as important as water and electricity. Still, if you want to maintain your means of entertainment, be sure to keep it at the bottom of the list. The penalties for non-essential bills are pretty much manageable compared to the essential ones. The same goes for your internet connection. Communication is very vital, especially during these hard times, but you can very much survive with a few prepaid subscriptions, both for data and for calls. If you’re the work-from-home type, then perhaps you can place your internet connection a notch higher than your cable connection. The good news is, there are some companies who are offering both of these in a bundle deal. Whether or not they’re affordable would be up to your budget, so feel free to analyze your earnings before making a big decision when it comes to these subscriptions.

As with all advice on the internet, these may vary with your current situation and monthly income. If your monthly income enables you to pay all of these with no hassle then you are very much blessed, proceed to pay as you wish. But if that’s not the case, then you may follow these tips with a few personal discretions, depending on your current budget.

With all of these in mind, you may be looking for a well-trusted name that would safely value the security of your hard-earned money and savings during these hard times. Well, look no further than Cebuana Lhuillier’s Micro Savings. At its core, it aims to provide easier banking access to all Filipinos. The product is almost the same with any regular savings account in the Philippines, but doesn’t require a maintaining balance. It is also streamlined across all Cebuana Lhuillier branches, so you’d be able to experience the same wonderful Micro Savings product without missing a beat. For more information, feel free to visit the nearest Cebuana Lhuillier now!

“What are you afraid of?” – More often than not, people would answer this with the phrase, “I’m afraid of the unknown.” Indeed, everyone fears the future, the unforeseeable tomorrow that lies beyond what one can see. There are people who would spend money on fortune tellers, asking them for guidance on how they may best face the upcoming days of their lives. While it may seem ridiculous, even humorous at times, you can’t really blame them for doing something as trivial. Sure, we can all get by with our daily routines, doing what we usually do on a daily basis, working on the things that we are all too familiar with, and you know what they say about that, familiarity brings comfort and complacency. That, however, is where the problem arises. You see, nothing in life is ever consistent. You may have experienced a bright, sunny day today, but tomorrow may bring a whole lot of rain showers. The same goes for your daily routines, as things do not always go according to plan. Just when you thought today would seem as peaceful and serene as yesterday, something happens that shakes you out of your complacency, thus, rendering you shocked and confused. This is what everyone’s afraid of, this is the unknown that we all dread and hate.

In such case, you may ask, “Is there any way to deal with this? Is there anything that we can do in order to survive the unexpected things in our lives?” Well, there is one thing that we can do, and that is to prepare. No one can ever predict what tomorrow may bring, but preparations would give us that well-needed cushion in order to strengthen us and lessen the impact of any form of incident or emergency that may come our way.

1. First of all, settle all your dues.

May it be a utility bill, a loan, a luxury subscription, a government tax, or even an unpaid debt from years ago, as soon as you have the cash, settle them all, leaving no pending balance behind. The thing about unpaid dues is that, they’ll never go away without any equivalent action from you, and that action only requires you to do one thing – to pay. If you were to leave any debt unsettled and an emergency situation happens, your dues may add up, thus, leaving you with little to no amount of savings. Be wise and settle everything as early as possible. Be responsible enough to initiate all of your payments without waiting for any sort of warning or penalty. Remember that prevention will always be better than cure, and no financial cure may be able to remedy a huge pile up of debt just because you failed to settle all your dues on time.

2. Gather all your paperwork.

We all have our very own personal documents at home. You probably have them neatly stacked within an air-tight suitcase above your cabinet or just below your bed. Nonetheless, they are an immediate requirement for almost any process that may involve the government, ranging from your birth certificate, your tax registrations, and even your diploma. Now, as motherly as it may sound, you need to gather all of these documents (if you haven’t still) and keep them all well-organized within a single suitcase or container. Double check that you’re not missing anything. Be sure that the container is strong enough to withstand any moisture so that none of your documents would get wet, in the case of flash floods and other calamities that may involve heavy rain. Simple as they may be, these documents represent a certain part of you, which will help the government validate information about you in the long run, and losing even one of them may leave a dent in your records, making the process a lot longer to finish. This is true, especially if you’re applying for a passport or a driver’s license. This problem is even more amplified when you’re going for a benefit or a loan. Policies are much stricter when you’re particularly asking for money, since the government or the lending company doesn’t want to suffer scams.

3. Get a comprehensive insurance.

Emergencies, calamities, accidents, you name it! People are afraid of these, not only because they cause major harm and destruction towards the welfare of people and their hard-earned properties, but also due to the fact that they cause a huge amount of expense, even after the whole ordeal is done. A flash flood may wash away half of your home, a car accident may break a couple of your bones, and a sudden jolt of lightning may cause a short circuit fire, all of these are occurrences which may cost you a huge amount of money, and you definitely want to avoid paying for everything. A comprehensive insurance may very well save you a lot of money, due to the fact that they have various forms of coverages that can pay for most of the charge caused by these unfortunate incidents. If you happen to be rich then good for you, you can obviously pay for any property damage or body injury that may come your way, but if you only happen to make ends meet every month, then an insurance would be your best friend and well-trusted companion in facing the unforeseeable future.

With all of these in mind, it may be no surprise that you’re weighing your options, analyzing which establishment would be best for availing a well-trusted microinsurance premium and coverage. Look no further than with Cebuana Lhuiller’s Microinsurance Offerings, these are affordable insurance products which help Filipinos avail of financial services and privileges that higher-income earners have easy access to.Armed with innovative microinsurance products and services that promise to minimize impact of distress and misfortune on one’s financial position, Cebuana Lhuillier offers only the best for its clients. Feel free to visit your nearest branch for more information.

Pawning – The process of pawning off (surrendering) your valuables (usually in the form of jewelries and electronic gadgets) at a pawnshop. The transaction may look so simple, but there are a lot of underlying contexts within the process itself. For one, a person who pawns off a valuable item is either in need of quick cash or is no longer interested in the item itself. For the most part, the former is a more common case amongst us Filipinos. Things haven’t been easy lately, and it is just understandable for a person to trust his/her instincts and turn to pawning as a last resort. . Secondly, a person does not simply leave a valuable item within the pawnshop without coming back for it later on. There is another transaction that the patron has to undergo if he/she wants to retain that particular item in the near future. This certain transaction is the main focus of our write up, a process known as Pawning Renewal.

What is Pawn Renewal?

Simply put, it is the process of paying off the loaned amount (with interest) before the set time period expires, in order to get the valuable item back. May it be a jewelry, a gadget, or even an appliance, the borrower has to make sure that he/she would make the frequent payment dates, just so the item does not get defaulted.

What happens if the item gets defaulted?

Well, the pawnbroker has the right to sell off the valuable item, whether you like it or not. It is not an endearing situation, but this certain condition would surely be explained to you on the get-go, just so there wouldn’t be a misunderstanding once your due date is up. Now, you might think, “Well, I didn’t know that pawning off my most-prized possessions meant that I would no longer have them back.” It’s actually not that simple. You see, every item that is being pawned off would be inspected first. If it’s in good condition, then you’d be lent a great amount of cash. If it’s in a low quality condition, however, you would only be given a small amount. The process of inspecting the item and coming up with a fair, equivalent price is what you’d call an appraisal. You may have heard of it before during your last visit to the pawnshop. Determining the value of an item is not easy, so be thankful the next time that you’d get a huge amount out of an ordinary-looking gold-plated watch; the pawnbroker may have been very generous to you.

Take note that your pawned off items can still be retrieved. Pawning them off doesn’t necessarily mean giving them away, as you still have all the chance in the world to take them back, just make sure that you pay for the loaned amount, complete with the interest.

Okay, so who do I trust the next time I’m in need of quick cash?

Well, you wouldn’t even need to look further than your nearest Cebuana Lhuillier branch. You can never go wrong with their longstanding Pawning Service. They lead the pawning industry by offering only the safest and the highest appraisal rate in the industry in their more than 2,500 branches nationwide.

How does Pawn Renewal work in Cebuana Lhuillier?

It’s a fairly easy process. You can visit the nearest branch where you pawned your item for your renewal transaction. Cebuana Lhuillier also has a renew anywhere facility. You just need to bring your pawn ticket and a valid ID when visiting the branch. Take note, however, that there will be a P50 convenience fee per transaction. You can even check your renewal amount indicated on the lower left portion of your pawn ticket.

Do other pawnshops do this as well?

Of course, they do. Pawn Renewal has always been at the heart of a pawning businesses. When people who are in need manage to get back on their feet, they’ll be coming back in the pawnshop to retrieve their most-prized possession, thus, retaining only what they’ve surrendered in the very beginning, nothing more, nothing less.

What separates Cebuana Lhuillier from the other pawnshops here in the Philippines?

Here is an official statement from Cebuana Lhuillier’s official website:

“Cebuana Lhuillier provides the country’s leading pawning service to Filipinos in need of instant cash, offering a 30% higher appraisal rate VS other pawnshops hence, higher take home. Our 2,500 branches accept an array of items, from jewelry to gadgets, as collateral, the company’s core business has evolved with the needs of its clients.”

Let us put emphasis on the phrase “offering a 30% higher appraisal rate VS other pawnshops.” Cebuana Lhuillier isn’t just about the profit, they also serve to help out each and every Filipino who are down on their luck already. The company has been around for decades, and from the very beginning, it has always been about giving the Filipino people an exemplary service worthy of any other VIP out there.

What items do they accept?

They usually accept the following items:

• Gold
• Diamond
• Platinum jewelry and watches
• Cellphones
• Laptop computers

How complicated would the pawning requirements be? Do I have to bring many documents just to pawn off my valuables?

No, a very big NO. As a matter of fact, Cebuana Lhuillier’s pawning service has always been about simplicity and convenience, much so that they’d only require at least one (1) of the following as a valid form of identification.

• Passport
• Driver’s License
• Professional Regulation Commission (PRC) ID
• National Bureau of Investigation (NBI) Clearance
• Police Clearance
• Postal ID
• Voter’s ID
• Barangay Certification
• Government Service Insurance System (GSIS) e-Card
• Social Security System (SSS) Card
• Senior Citizen Card
• Overseas Workers Welfare Administration (OWWA) ID
• OFW ID
• Seaman’s Book
• Alien Certification of Registration/Immigrant Certificate of Registration
• Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
• Home Development Mutual Fund (HDMF ID)
• Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
• Department of Social Welfare and Development (DSWD) Certification
• Integrated Bar of the Philippines (IBP) ID
• Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission

With all of that being said, never forget about renewing your pawned off item. Once you finally have a good amount of money, you can pay off the loan (with a small interest) and retrieve your jewels back. Feel free to visit their official Pawning page for more information: https://www.cebuanalhuillier.com/pawning/.

Oftentimes, we find ourselves with a lot of expenses, bills, and essentials-to-purchase that we forget to budget our financial resources. Understandably, people often want to spend their money in one go, so as to avoid overlooking any pending balances. People need to pay their dues, after all, and failing to do so would either result in penalties or sanctions. Essentials such as groceries and food are top of mind when asked what people spend on. Failing to buy groceries may leave you with a lesser budget to use later or worse, not having any supplies at But the thing about spending all your money in one go is that it doesn’t give you any opportunity to save. Of course, you may no longer have a pending balance and a shortage in household supplies if you were to spend them now, but therein lies the important question, “Is it possible for you to rank your expenses, and in turn, segregating your budget allocation?” If your answer to this question is a resounding “Yes!” then you are on the right track.

The art of separating your expenses would not only enable you to save, it would also help you prioritize your payments from one another, in the sense that you would be able to hold off one form of expense just so you can pay off the most important bill first. These following tips and examples may be able to help you in budgeting using this method.

1. Be reminded of the due dates.

Bills and subscriptions will always have their own set of due dates. They are, after all, a written form of alarm, which would always remind you of the last day of payments. Obviously, there are consequences when you don’t pay your dues on time. For some, it is a mere penalty, for others, it may be a straight-up discontinuance of service, and you wouldn’t want that to happen. In such cases, be sure to read your bills thoroughly, and be mindful of all your due dates. Sincesubscriptions and utility bills have separate due dates, it would be very helpful to arrange them in order. Whichever has the nearest due date should be dealt with immediately, then the one that follows right after, and so on. There are actually two advantages in paying off bills “in order”:

1. Not paying everything in one go would actually leave you with something in your pocket (a sort of emergency fund), just in case something unexpected comes up.
2. Paying in intervals may intertwine your current budget with your salary day/payday, thus, giving you an extra amount in the process.

It’s a form of a financial cushion, especially during these hard times, when the economy isn’t doing very well.

2. Sort out your priorities.

Segregating your purchases like groceries, wants, etc. may give you a well-needed time to reflect on the things that really matter, on the things that you’d really need. For example, if you were to analyze your purchases between canned goods and new earphones instead of buying them both and spending all of your budget, you may come to the conclusion that the canned goods are more important than the earphones itself, an item which you may very much still purchase, but only at a later time. Food is more valuable than electronics after all. The same goes for clothes, gadgets, sanitation items, toiletries, etc. We’re sure that while mentioning those items, you were already able to form a ranking at the top of your head, with the essentials going at the top of the list and the gadget at the bottom. Perhaps it’s our practical nature, telling us what we’d need to survive on a daily basis, rather than the things that we may call luxuries. Either way, ranking your shopping list would not only be a practical thing to do, it would also be very responsible, as you’d be wise to go for the needs before the wants. Segregate them and watch your money grow with each passing payday.

3. Time your budget wisely.

People often overlook the fact that time and money goes hand in hand. Both are very crucial resources, and if you were to mishandle any one of them, it may affect the other and leave you with lesser resource than before. This is true, especially with your monthly dues. We all have bills to pay, that’s a fact. We also have a limited time to pay them off before receiving penalties. Now, similar to the very first pointer, timing your payments would not only leave you with a “ready amount” on-hand, it would also allow you to sort through your dues and determine which should be paid first. This may become a bit tricky, especially if your bills were to intertwine with your grocery days. “Which one should I pay first? Should I buy less in order to pay for my bills? Perhaps I can still buy this essential item, but only after my next salary arrives.” These thoughts are pretty much the reason why timing your budget would be beneficial, as it gives you more time to think and strategize about your well-earned money. This is far more crucial when you have your own family, as you’re not the only one who’s going to enjoy the fruit of your wise financial decisions.

With all of these in mind, you may be looking for a well-trusted name that would safely value the security of your hard-earned money and savings during these hard times. Well, look no further than Cebuana Lhuillier’s Micro Savings. At its core, it aims to provide easier banking access to all Filipinos. The product is almost the same with any regular savings account in the Philippines, but does not require a maintaining balance. It is also streamlined across all Cebuana Lhuillier branches, so you’d be able to experience the same wonderful MicroSavings service without missing a beat. For more information, feel free to visit the nearest Cebuana Lhuillier now!

Every month we receive various bills which correspond to the utilities and subscriptions that we have at home. Whatever we consume within the whole month, may it be water or electricity, we have the obligation to pay for the consumption fee. Now, depending on how you’ve utilized these important resources, your bill may either be low or high. If you’ve managed to conserve water, then your water bill will reflect a low consumption rate. If you’ve wasted too much water, however, then the opposite rate can be expected towards your next bill. In such case, it would be safe to say that only you and you alone would be the catalyst of your monthly bill reflection. Your actions may either bag you savings or consequences, and you’d definitely go for the former rather than the latter. In such case, let us discuss the different types of bills you receive on a monthly basis, their possible content (usage rate), and how you can best utilize them without breaking the bank, so to speak. As always, these tips may vary depending on your monthly budget and income, but if you’re looking for alternative ways to save up on your utility bills then feel free to apply the following:

1. The Electricity Bill

Electricity, energy, power, whatever you may want to call it, only one thing is certain, it is one of the most vital thing within a household. We all need our daily supply of electricity. Your TV, your fan, your computer, your cellphone charger, all of it requires electricity. Can you imagine a world without it? None of the technology we have today would even function without a helpful jolt of power. With all of that being said, it would only be appropriate to pay your monthly power bill, after all, you were able to consume all of it to your heart’s desire, you were able to enjoy all of the comfort brought about by electricity in all its glory. Now, if you’re scared of receiving a high energy bill every month, we have a solution for you – conserve your energy consumption. It may seem like a hard task, as understandably, you may never get enough of your computer screen during the weekends. But no worries, we are not here to deprive you of your hobbies, rather, push you towards the right direction in not overdoing it. Here are a just a few helpful tips:

1. Turn off the lights during the day. Feel free to open your window curtains and let the sunlight in.
2. Turn off the air conditioner once the surrounding air has cooled down. Open a fan to circulate the cool air. In this way, you consume less electricity, since the electric fan isn’t as power hungry as the A/C unit.
3. Take your cellphone off its charge once the battery has reached a 100%. Contrary to popular belief, a cellphone charger still consumes energy even when the unit battery has reached full charge.
4. Don’t leave the television on at night. If you feel that you might fall asleep on the couch, set the TV timer at least an hour while tuning in, in this way, your TV will automatically turn off, even after you’ve lulled off to sleep.

These are just some of the things to apply towards your daily routine in order to help you conserve electricity for the whole month. Some of them may seem like a small, simple act, but these simple things, when done on a regular basis, would yield big savings.

2. The Water Bill

We probably do not need to mention this, but water is the most important substance on earth. You may need food and air, but without water, it all amounts to nothing. It isn’t called the universal liquid for nothing. Now, just like your monthly consumption of electricity, water should be conserved as well. The thing about water is that it runs on a meter, so the amount reflected on your bill would only be an indicator of how you were able to utilize this essential substance. Of course, no one is going to stop you from brushing your teeth, taking a bath, getting a glass to quench your thirst, washing your clothes, etc. These are all normal activities, everyone does it, so there is nothing wrong about consuming water this way. However, the process in which you execute these activities, that is where the neglect and overuse happens. These following tips may very much explain that, while at the same time, provide an idea of proper water consumption:

1. Patch up any leak that may appear on your pipes.
2. Turn off the tap when you’re brushing your teeth. Doing this will save you six (6) liters of water per minute.
3. Use a watering can to water your plants. Do not use a hose, as the water drops would be continuous and wasteful.
4. Always use full loads in your washing machine. This eliminates unnecessary washes in between.

3. The Phone Bill

Communication is vital nowadays. During these hard times, you may find yourself working at home, and that can only be possible if you have your own laptop/computer, phone line, and internet connection. Unlike your average supply of water and electricity, the phone bill usually does not adhere to “consumption” rates, but rather, they rely on “Plan Subscriptions” to determine how much they’d charge you every month. This is made evident with your bundle plans. Most telecommunication companies prefer to offer their phone services bundled with their internet services. This was implemented as it is somehow more affordable than availing them separately. In terms of budgeting for such a fixed monthly rate, the best that you can do would be to choose a plan that fits your budget and provides all the main features that you’d be needing for your daily activities. You do not need a very fast internet speed if all that your work would entail are documents and files. The opposite can be said about jobs which would require a consistent cycle of online calls and video conferences.

With all of that being said, it is only understandable that sometimes, we may not be able to pay for all of these monthly bills in one go (we’ve all been there). Yes, you may be able to pay off one or two bills, but the remaining bills that goes unpaid beyond the due date would surely garner a penalty fee, thus, giving you more expenses than you’ve ever bargained for. In such case, it may be time to ask for help, to ask for financial assistance from your loved ones or most-trusted friends.

Never be embarrassed to raise the white flag and pick a well-trusted remittance center to receive the well-needed financial help. At this point, every centavo counts, and no other remittance center would value your trust and finances more than Cebuana Lhuillier, with their most reliable Money Remittance service ever. Be sure to visit the nearest branch now for more information.

Filipinos are trying their best to gain extra money during the COVID-19 pandemic. For some circumstances, people tend to consider pawning their valuable possessions in order to meet their needs. Because of this, Cebuana Lhuillier wants to help in any way to make pawning faster, more reliable, and safer. The microfinancial services giant introduced a new platform called the Pawn from Home Service where you can pawn your precious items from the comforts of your home.

 

Below are the three (3) steps on how you can pledge.

 

• Scan the QR code or visit Cebuana from Home website
• Choose PAWNING and enter your contact information, jewelry details, and upload a photo of your jewelry for appraisal.
• Submit your fully accomplished e-form and wait for Cebuana Lhuillier’s agent for further instructions.

 

The Pawn from Home Service can accept up to 5 items that may be pawned in every transaction. The items accepted include:

 

• Diamond
• Gold
• Platinum jewelry
• Watches
• Cellphones
• Laptops
• Computers

You can enjoy a 30% higher appraisal rate on your gold items when you pawn it because the value of gold is continuously rising in the market. You can also be more protected from the virus because as part of the new service, Cebuana will be the one who will collect your item and give your loan amount.

 

Here are their onsite pawning procedures.

 

• Confirmation

Cebuana Lhuillier’s rider will confirm your request by giving you your reference number for your transaction. You should be able to confirm it to be able to proceed with the delivery.

 

• Offsite Prep

Expect that the rider will do the following for safety procedure:

• Ask for a secured place within the gated wall of the customer’s residence.
• Set up a mini table and chair
• Ask the customer to place the valuable item to be pawned on a tray.

 

• Disbursement

Once the item is appraised and agreed to the amount, the rider will give you the loan money through the following options:

• Cash for any amount maximum of P5,000
• Remittance number or credit to your micro-savings account for any amount exceeding P5,000

 

Cebuana Lhuillier provides the leading pawning services in the country today and it will continue to make your life easy especiallyduring the  quarantine period. It has more than 2, 500 branches nationwide that will cater to the Filipinos by accepting different valuable items in exchange for a fair loan amount—even when you’re staying home.

 

If you want to know more about our services and products, visit us at  www.cebuanalhuiller.com