Pamaskong Iphonalo Promo

PROMO MECHANICS

  1. Promo will run from December 16, 2020-January 16, 2021.
  2. For every purchase of any insurance product at any participating platform, for a premium of:
  • 200 and below – client gets one (1) e-raffle entry
  • 200 to 1000 – client gets two (2) e-raffle entries
  • 1001 to 10,000 – client gets five (5) e-raffle entries
  • 10,0001 and above – client gets ten (10) e-raffle entries
  1. Participating platform are as follows:
  • Cebuana from Home (Insurance from Home)
  • Lazada
  • Shopee
  • Posible
  • ECPay
  • J6W
  • Peralink (Cebuana Lhuillier Authorized Agent)
  • 24k Web
  • ProtectNow
  • Bizmoto
  1. There will be 2 winners of iPhone 12 max and 10 winners of P5,000 gift certificate for the whole promo.
  2. Qualified entries will be drawn on January 7 and January 20. The draw will be at P.J. Lhuillier Inc. ICT Office 3/F, The Networld Hub 156 Jupiter cor. Bel-Air, Makati City 1209.
  3. The coverage of the draws is as follows:
  • January 7: December 16-31, 2020
  • January 20: January 1-16, 2021
  1. If in case, the client have purchased on behalf of the insured, the insured will be the one who’ll be receiving the prize – winners will be the policy holder for each platform.
  2. Entries who have already won are not eligible in the next draws.
  3. Employees of P.J. Lhuillier Group of Companies, agencies and services and their relatives up to second degree of consanguinity or affinity are not qualified to join the promo.

Resolutions Worth Keeping

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!

Sending Love and Happiness Back at Home

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.

Safe and Sound: Celebrating at the Comfort of Your Home

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.

Making the Most of What You Have: Utilizing Your Current Resources to Open Up Opportunities

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.

Festive Feast Ideas

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!

A Shiny, Glittery Christmas

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. 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. 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. 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. 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. 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.

Ipon Power: The Amazing Features of Cebuana Lhuillier’s Micro Savings Account

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.

Cebuana Lhuillier introduces pawning from home for greater customer safety

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.

As Gold Prices Soar, More Filipinos See its Value

In August of 2020, business tycoon Warren Buffett bought shares in the Canadian mining company Barrick Gold Corp., reinforcing the value of gold, whose price soared above $2,000 per troy ounce, in the world market. This shows that despite the ongoing global pandemic, the value of gold continues its upward trend.

Chamber of Pawnbrokers of the Philippines, Inc.(CPPI) President, Jean Henri Lhuillier knows the value of gold, all too well, proving how valuable this rare metal is and why Filipinos should realize its importance as a good investment asset.

“Gold remains to be one of the best commodities to invest on because it is a highly liquid asset. There is always a strong local and global market demand for gold and besides this, owning gold also acts as a hedge against inflation and even deflation, because its price tends to rise when the cost of living increases,” said Lhuillier.

Globally, gold has always been seen as a good store of value, evidenced by the fact that people buy gold especially when the local currency is losing value. Whenever a currency loses its purchasing power due to inflation, gold is normally priced using those same currency units, thus its value increases, along with everything else.

”Locally, more and more people have been investing in gold and jewelry. In fact, this is further evidenced by the overwhelming response of agrowing number of jewelry online selling channels particularly in social media including the buying of foreclosed or what is locally termed as “naremata”  items from pawnshops, and then sold via FB Live selling, done by various groups and individuals in the country,” added Lhuillier.

Rematado Sale: A big hit among common Filipino consumers

Based on the actual inventory of Cebuana Lhuillier’s foreclosed jewelry, the number of Filipinos who has been buying these items are growing.  In fact, even during the quarantine period, the number of buyers significantly increased.

“More and more people are now seeing the value of jewelry and gold, for that matter, as good assets to have, especially during times like this. You would be surprised at the types of jewelry being pawned off. Some are even heirloom pieces and sold at very good prices,” shared Lhuillier..

Aside from it being affordable, pawnshops also provide easy accessibility as they remained open all-throughout the quarantine period being an essential service.

Pawnshops also provide easy acquisition options for clients such as a lay-away program as well as a re-pawn scheme.

These “rematado” sales in pawnshops has led to a shift in the perception of jewelry, from being only high value and inaccessible to many, to being affordable and accessible to most.

Online Jewelry Selling: A welcome option to the market

Aside from rematado selling in branches, pawnshops have likewise started online jewelry selling and the reception from clients has been quite astounding. It has even unraveled new markets like millennials, who did not used to invest in gold or jewelry previously.

Moving with the necessity of the times, pawnshops are now utilizing the use of social media sites like Facebook to sell rematado jewelry. In fact, as much as 10,000 people have tuned in to previously held FB Live sessions where items are sold out within the first hour.

“This move to enable clients to purchase gold online is very timely since a lot of people are looking to invest on something that appreciates over time, and gold and jewelry is one of them. Social media has definitely made it more accessible for clients, not to mention, safer and convenient for everyone,” claimed Lhuillier.

The wonderful reception of clients to online rematado selling, shows that while retail-based jewelry business is declining because of the current situation, more and more people are now finding ways to acquire and invest in gold and jewelry because of the timely initiative of CPPI-member pawnshops in making use of social media, which has not only benefited them but also their customers.

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)