St. Nicholas’ Feast Day in Batangas and Cebu

 

Last December 13, a barangay salo-salo was held in Brgy. Sta. Clara, Batangas City to celebrate St. Nicholas’ Feast Day.

All registered attendees received free merienda courtesy of Cebuana Lhuillier. Residents also enjoyed the Letra Swerte game, exciting raffle prizes, and singing contest, among others. Moreover, Ka-Cebuanas who brought their 24k Plus cards and ACP COCs also received a special gift.

In the spirit of Christmas, Ninong Ceb, together with Area 305 Wonder Girls, also spread the happydemic to our Ka-Cebuanas by entertaining them with their special Happiest Pinoy dance number. Region 3 Manager Rolando Dario, Area 304 Manager Simeona Punzalan, and Area 305  Manager Lilibeth Daria-Capayas were present at the activity.

Meanwhile, lucky Ka-Cebuanas received Noche Buena packs during a raffle draw held during the St. Nicolas Feast Day celebration
in Barangay T. Padilla, Cebu City. Area 416 Manager Erwin Juan Managaytay opened the barangay salo-salo by sharing about the life of St. Nicholas and how he became the patron saint of pawnbrokers. The team also provided lunch to all 200 participants and distributed giveaways to the kids present. Games also added excitement to the crowd.
 
The barangay officers and their constituents were all thankful as they were chosen among of the dozens of barangays in Cebu City

 

View event photos here.
 

St. Nicholas’ Feast Day in Davao City

 

Area 507, headed by Area Manager Richard Guazon and Area 504 headed by Area Manager Rosemarie Macado, organized a barangay salo-salo in Barangay Mintal Gymnasium, Davao City to celebrate St. Nicholas’ Feast Day last December 6, which was also the barangay’s fiesta.

Macado opened the program by giving a brief background on the annual Feast of St. Nicholas. Ka-Cebuanas in the said barangay enjoyed fun games like Message Relay, Letra Swerte, and Bring Me and received cash prizes such as Cebuana Lhuillier merchandise with Noche Buena groceries. The Area 507 Team also entertained the audience with their intermission numbers with Ninong Ceb.

Cebuana Lhuillier AVP materials were also shown during the program. As closing, the Cebuana Lhuillier team handed a special token of appreciation to the barangay. All 300 Ka-Cebuanas in attendance also received food packs courtesy of Cebuana Lhuillier.

Barangay Captain Ramon Bargamento II, together with his constituents, expressed their gratitude and appreciation to Cebuana Lhuillier for choosing their barangay for the celebration.

 

View event photos here.

Cebuana Lhuillier recognized by Tarlac City for ALS initiative

 

The Department of Education (DepEd) – Tarlac City Schools Division recognized Cebuana Lhuillier, through the Cebuana Lhuillier Foundation, Inc. (CLFI), for its contribution to the Alternative Learning System (ALS) during the 2014 Education Week Celebration held at Don Bosco Technical Institute in Tarlac City on December 6.

CLFI was represented by its ALS coordinators led by Area 211 Manager-OIC Mercedes Navalta, and Area Technical Supervisors Marissa Custodio and OIC Diosdado Romero. They received the Certificate of Recognition from Engr. Edgard C. Domingo, Schools Division Superintendent (SDS) and William Bacani, Assistant SDS.

 

Last year, CLFI inaugurated the DepEd-Cebuana Lhuillier ALS Community Learning Center in San Manuel High School in Tarlac City and transferred three computer units, a projector, and 16 headsets for the learners' use. It also funded the reviewer reproduction cost for the center.

Cebuana Lhuillier is now the super agent of Saudi Arabia’s largest remittance center, Enjaz Banking Services

The executives from Bank Albilad and Enjaz recently visited the Philippines to formalize the partnership in a ceremonial contract signing held in Makati City.

 

Present during the signing are (from left): Cebuana Lhuillier Services Corporation Vice President Philippe Andre Lhuillier; PJ Lhuillier Group of Companies Chairman, Ambassador Philippe Lhuillier; His Excellency Khalid Al Jasser, Chief Executive Officer of Bank Albilad; PJ Lhuillier Group of Companies President and CEO Jean Henri Lhuillier; and Enjaz Banking Services General Manager  Ahmed Al Enazi.

 

View event photos here.

CLh Iligan 9 voted Choice Cash Express Service by Iligan youth

From L-R:YAPIS Rep. Mr.Angelito Nambatac Jr.
awarded the citation to BCRM Ms. Pamela B. Baculio.

 

Cebuana Lhuillier -Tibanga (CLh-Iligan 9) was recognized as the Youth Choice for Cash Express Service for 2014 at the annual Youth Advocates Progress Integrated Services (YAPIS)-Iligan Youth Choice Awards held last December 6.

YAPIS is a community-based organization of students and young professionals from Iligan City who conduct an annual survey of the establishments, personalities, and other entities that represent the Iliganon youth's ideals. After an online and paper poll among Iligan youth, CLh Iligan 9 bested two other finalists in the Youth Choice for Cash Express Service. Other categories include Youth Choice for TV station, AM and FM Radio Station, and Telecommunication Company, among others.

The branch personnel of CLH Iligan 9 and the entire Area 502 team headed by Ma. Teresa Degamo, expressed their gratitude to the Iligan youth for the said honor.

Wish Upon Cebuana winners receive Pangkabuhayan showcase

 

Christmas definitely came early for eight lucky Ka-Cebuanas last December 18 after their names were picked out in the first raffle draw for Cebuana Lhuillier’s Wish Upon Cebuana Christmas promo.

Taking home a pangkabuhayan showcase with Php15,000 cash prize were Jennybhie P. Cuyson from Manila, Ma. Diana Castro of Las Piñas City, Cherry Ann Padrigo from Laoag City, Emiliana Manzanillo from Bongabon, Nueva Ecija, Jonas Van Argarin from Imus, Cavite, Candie Solis from Mandaon, Masbate, Mary Ann Saligan from Cadiz City, and Gerlie Grace Pongcol from Davao City.

The next draw date will be on January 22 where an entertainment showcase, kitchen showcase, trip to Boracay, and cash prizes await our lucky Ka-Cebuanas.

 

How Money Can Buy Happiness

 

Money, they say, can’t buy happiness. This is perhaps because of the many negative connotations that the word money has. Money, in many cultures, is highly associated with materialism, hyperconsumerism, and even greed— reducing it from the many possibilities it can do.

 

But the association of negative meanings to money is missing a fundamental fact: that money is merely an object, and the way it is used by its creators (that’s us humans) enables its power or otherwise.

 

The power of money is limitless. Yes, it can buy happiness. But that’s as long as it is spent right. The point is to know how to make the right decisions, the right choices, and the right financial move.

 

Buying Security

Even if we turn the world upside down, we can never veer away from the fact that we need money to have our basic necessities covered. We need money to secure food, shelter, medicines, and even access to information. This may be a sad reality, but it doesn’t mean we can’t do anything about it. Again, the point is to spend our money right. Make the right choices.

 

Here’s another important thing to remember: do not overspend, particularly on the basics. Secure just what you need. Consider just enough security to make you happy.

 

Buying Peace of Mind

Once the basic necessities are fulfilled, the next logical move is to invest in things worth investing, such as protection for your property, health, and even life. This is again one of the smartest moves one can do. Anisha Sekar, the Chief Consumer Advocate at the personal finance website Nerd Wallet, advises to buy some insurance for the simple reason–to have peace of mind.

 

Getting the worries and headaches that come with financial risks out of the way is key to feeling better about circumstances, and ultimately to being positive about life.

 

The Value of Small Changes

“Because we adapt easily to change,” Jeff Atwood of Lifehacker.com says, “the most effective use of money is to bring frequent change, not just ‘big bang’ changes that you will quickly grow acclimated to.” Atwood summarizes one principle proposed by psychologists Elizabeth Dunn, Daniel Gilbert, and Timothy Wilson in their paper If Money Doesn’t Make You Happy, Then You Probably aren’t Spending it Right published in 2011. The principle tells us to break up large purchases into smaller ones over time so we can savor the experience. This consequently spreads the happy feeling overtime. More will always be merrier.

 

The Value of Anticipation

Anticipation is a strong source of happiness. And this may be eliminated when one does impulse buying. Instant gratification, most often than not, leads one to buy things he can’t afford, and doesn’t truly want. Atwood suggests, citing one principle in the paper,“For maximum happiness, savor (maybe even prolong!) the uncertainty of deciding whether to buy, what to buy, and the time waiting for the object of your desire to arrive.”

 

The Value of Sharing

The same paper also proposes that we spend some part of our money to help others. Atwood summarizes, “Anything we can do with money to create deeper connections and reinforce positive feelings about ourselves and others.” Happiness, after all, is all about being positive at the end of day.

 

Using money for security, peace of mind, small changes, anticipation, and the happiness of others, are just some wise ways to spend money right. The point simply is that money can be used to buy happiness, only if we make the right decisions and choices.

CLSC and Moneygram convene for 2015

 

Executives from Cebuana Lhuillier Services Corporation (CLSC) and Moneygram recently convened at the Networld Hub Board Room in Makati to present business updates and discuss strategic plans and directions for the year 2015. Moneygram has been a partner of Cebuana Lhuillier since 2010.

Happiest Pinoy team continues to spread the “Happydemic”

 

The Happiest Pinoy campaign spreads the happydemic nationwide as it recently went to two key cities in the country— Baguio and Cebu— last November.

 

The road shows aim to tap our media friends to create awareness and generate more nominations this year. The team is also set to be in Davao On January 2015  for the Mindanao leg of the road show.

 

View Baguio and Cebu Road Show photos here.

CORPORATE AGENT PARTNERS

  • ACTION.ABLE, INC.
  • ALL ACCESS GATEWAY INC.
  • ANTRECCO (AGUSAN DEL NORTE TEACHERS, RETIREES, EMPLOYEES & COMMUNITY COOPERATIVE)
  • ACM VIP
  • ALL CASH
  • AGRILIFE/ AGRIVET
  • ASENSO PINOY STORE, INC. (EASY DAY SHOP)
  • AVICOM ENTERPRISES
  • AYALA ALABANG VILLAGE ASSOCIATION
  • BAUG CARP MULTI PURPOSE COOPERATIVE
  • BAGUIO BENGUET COOP
  • CARD BANK INC
  • CARD MRI RIZAL BANK INC
  • CARD SME BANK
  • CARITAS BANCO NG MASA, INC.
  • CEBU PEOPLE’S MULTIPURPOSE COOPERATIVE
  • CIS BAYAD CENTER, INC
  • COOPERATIVE BANK OF BOHOL, INC
  • COUNTRY BUILDERS BANK
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • AEON CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (VIA ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (VIA ECPAY)
  • ALLIANZ PNB LIFE INSURANCE INC.
  • ALPHA FUND SAVINGS & CREDIT COOPERATIVE (VIA ECPAY)
  • AMADEO WATER DISTRICT (VIA ECPAY)
  • AMYA POLYTECHNIC COLLEGE, INC. AND FINANCING CORPORATION (LENDPINOY)
  • ANGAT WATER DISTRICT (VIA ECPAY)
  • ANGELES ELECTRIC COMPANY ANGELICUM SCHOOL , INC. ILOILO CITY (VIA ECPAY)
  • ANJELMAN REAL ESTATE LEASING
  • ANTIQUE ELECTRIC COOP, INC ANTRECCO (BILLS PAYMENT)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (via ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (via ECPAY)
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

List of Accepted Government/ Valid IDs

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Philippine Identification System (PhilSys) ID
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) ID
  • Senior Citizen’s ID
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman’s Book
  • Alien Certification of Registration (ACR)
  • Barangay Certificate or ID (with picture and signature)
  • Birth Certificate (applicable to minors only)
  • Firearm License
  • Immigrant Certificate of Registration
  • Marriage License
  • National Council for the Welfare of Disabled Persons
  • New TIN ID
  • OWWA ID
  • Student ID
  • Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
  • Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFP ID, HDMF (Pag-ibig Fund) ID, etc.
  • 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 ID (IBP)
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)

IDs Accepted

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 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.

Forms of identification accepted are the following;

Pawn Accepted IDs
1. Passport
2. Driver’s License
3. Professional Regulation Commission (PRC) ID
4. National Bureau of Investigation (NBI) Clearance
5. Police Clearance
6. Postal ID
7. Voter’s ID
8. Philippine Identification (PhilID) card
9. Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID)
10. Barangay Certification
11. Government Service Insurance System (GSIS) e-Card
12. Senior Citizen Card
13. Overseas Workers Welfare Administration (OWWA) ID
14. OFW ID
15. Seaman’s Book
16. Alien Certification of Registration/Immigrant Certificate of Registration (for foreigners)
17. Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
18. Home Development Mutual Fund (HDMF ID)
19. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
20. Department of Social Welfare and Development (DSWD) Certification
21. Integrated Bar of the Philippines (IBP) ID
22. 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
23. ID issued by the National Council on Disability Affairs (NCDA)