Staying in Focus: Preparing Your Kids for the Next School Semester

While the summer season may be a great opportunity for you to have a fun and relaxing quality time with your kids, it also presents a certain disadvantage at best, and that is, conditioning your kids to prepare for the next school year or semester. Now, this isn’t apparent at the first few weeks of their summer vacation, as indeed, they deserve a well-needed rest, away from stress brought about by assignments, school projects, and foundation day performances. However, during the last few days of summer vacation, you might come to realize that there should at least be enough time set aside in order to prepare them for the upcoming academic year. Of course, suggesting this to your kids out of nowhere would earn you their ire or resistance, so knowing when and where to reiterate the importance of preparation is the key.

For the most part, at least one week away from the new school year would be a perfect chance for you to set them up for the challenges ahead. Setting their expectation and familiarizing them with the advantage of preparation would not only make them flexible to change, but also, make them realize that every new school year or semester presents a challenge that they may have not encountered before. If you were to deliver this message effectively, not only would they be able to face the new school year with courage and an invigorated interest in learning something new, they might even thank you in the long run.

Now, if like most parents, you have no idea on how to prepare them firsthand, then look no further than our valuable tips:

1. Review their older lessons.

The thing about the new school year or semester is that it may contain a lesson plan that involves a much updated and advanced form of knowledge or principles which were already taught before. This is where reviewing your kid’s older lessons would come in handy. If they were to return to the basics, they would at least be able to piece the puzzle when it comes to a more advanced version of that particular lesson. Take Mathematics, for example. The simplest lessons would involve addition, subtraction, division, and multiplication. Perhaps at your kid’s recent school year, they were taught separately, focusing on one equation first before proceeding to the other. Now, imagine if the next school year would tackle an equation that involves solving a Math problem that has all of the recent equations combined. If your kids were to go to school unprepared, they may experience outright confusion, an offset that is further described by a modern term, “information overload.” Now, imagine if your kids were to review the recent equations from the past year, and then be presented with the newer, much complicated equation, they may be able to comprehend it at first glance, and even have a “Eureka!” moment – “Oh, so I just have to follow the MDAS procedure in order to solve this advanced Math problem.” Take it from us, reviewing helps a lot.

2. Mentally preparing them for the new school year/semester.

You might think that this is similar to the very first pointer, since reviewing older lessons may indeed stimulate your kid’s memory and analytic skills. However, when we say mental preparation, it also has something to do with their studying habits. The way we handle habits with our kids would determine if they’ll be able to successfully set them up to overcome newer lessons in class. Think about it, mental preparedness provides that well-needed edge and focus that your kids may need to concentrate on their studies. If they are motivated to learn in a very timely manner, you can expect that they’ll never struggle when it comes to studying routines and lessons. Think of it as motivating them to think that they can achieve anything, and that they can comprehend anything that the teacher says, as long as they listen, and listen hard. This motivation would not only help with their grades, but with their overall future as well. Some of history’s prominent figures such as Steve Jobs, Bill Gates, Albert Einstein, etc. showcased confidence and resiliency, even when under pressure. The confidence to present what they know and the resiliency to show that what they’ve known and learned throughout many years would stand with no argument may prove beneficial for your kids in the long run.

3. Socially preparing them for any possible new friends in the upcoming school year.

Kids often shy away from new acquaintances, especially if they’re quiet and lonesome. This is normal for most kids, but such qualities should not be left unchanged. Many kids grow up to be introverts due to the fact that they struggle to interact with others. This is the result of parents not orienting their kids about the “outside world.” Teach your kids to be sociable, friendly, and kind. Let them know that it is okay to be shy, but not to the extent that they’d shy away from everyone they’d meet. Tell them that no man is an island, and that everyone needs a friend. Of course, you should also teach them to be wary of who they’d hangout with, so as to avoid any bad influences along the way. Teach them to be vigilant about the people in their surroundings, to be cautious of the company that they’re letting themselves into, and the kind of personalities they might want to have around. Remember, it is easier to teach your kids about the dos and don’ts of hanging out and making friends during their early years. Do this effectively and you may never have to experience any hassle once they reach their teenage years.

4. Preparing all of the right tools for the upcoming school year.

This is just one of the most typical ways of preparing for a new school year. Buying a new bag, notebooks, crayons, pencils, erasers, etc. Understandably, every new school year brings forth expenses in the form of school supplies. Of course, as a parent, it is only right for us to provide our kids with the best tools to help with their education. Buy everything in high quality and do not cheapen out on any writing materials that they may need, unless you’d want your kids to come home with a broken pencil, snapping in half just when the notes on the blackboard starts pouring in. Let them enjoy the advantage of high-grade supplies and watch as they do academic wonders with these materials.

Now, for OFWs who value the education of their kids back at home, they’d go through any obstacle just to send every well-needed amount for their education. OFW parents aren’t just focused on sending their spouse the monthly budget after every payday, but they are also motivated on providing for their kids, may it be for the tuition fees or the purchase of school supplies. In such case, a very reliable money remittance service is needed, to ensure that the tuition fees will be paid in full, every time. No need to worry, as that is made possible by a well-trusted remittance center, and nothing indicates a more trusted name than Cebuana Lhuiller. With Cebuana Lhuillier’s Pera Padala Service, you are ensured an easy, quick, and safe way to send and receive money. With more than 2,500branches nationwide and accredited international partners, this money transfer service is made available to clients within and outside the Philippines. All transactions are real time, which enables clients to claim the money as soon as the sender completes the sending process in the branch. So for our beloved OFW patrons, feel free to visit any of our international partners – we assure a fast, easy and secure transaction.

 

For a complete list of our international partners, you may visit our website at https://www.cebuanalhuillier.com/pera-padala/.

No Cash, No Problem: Getting By this Summer Season with a Tight Budget

The summer season is what many people may see as a perfect opportunity to seat back, relax, and enjoy the warm, sleepy weather at the comfort of their homes. For others, it is also a perfect opportunity to getaway towards a tropical island, among the cool breeze and the sandy beaches. For the most part, that is true, as most would love to take a few days or weeks off from their current jobs. However, this is only achievable if one has enough budget or finances to actually be able to book a flight or avail a vacation package. The thing about vacations is that, filing for one would already provide two main assumptions; that you have already planned everything out ahead of time and that you already have the appropriate amounts to set that plan in motion. If you’ve already submitted your “leave forms” without any solid plan ahead of you then that may just very well be a wasted opportunity. In such case, not only do you have a lack of plan for the summer, but you also have a lack of budget to go with it.

With that in mind, you may be wondering how you’d best get by this summer while trying to fit your budget, even before the warm season ends. Well, look no further than some of our valuable tips. While some of these may prove more efficient than the others, you have the option to choose which tip would best work for you. Remember, you only have a tight budget to work with, so make the most out of it. You might even make a few extras along the way.

1. Control and be responsible with your expenses.

This is one of the most basic tip that anyone with a tight budget should be focusing on. People need the usual necessities in order to survive, food, water, medicine (if ever they feel sick), cellphone load, etc. However, these necessities (if left unchecked) may still be subject to abuse. Food, for example, may be overbought, resulting to many of your supplies going to waste. It isn’t to say that you shouldn’t have an extra loaf of bread on your shelf, because surely you might need a midnight snack. However, buying too many raw products would leave you with too much spoils thus, wasting a lot from your budget. If you happen to live on your own, purchase groceries which would last you for at least one to two weeks, but estimating that it would never be less or more than what you already need. Preserve water as well. Leave no tap running, unless you’d want to have staggering water bills at the end of the month. You may also want to watch your medicine or first aid kit purchases, as medicines have expiration dates. It’s great to have a handful of pain killers and fever capsules, but buying three bottles of these capsules would be too much. Manage your limited finances in a way that your purchases are just in the right amounts and that you’d never waste any of your available resources.

2. Plan out your own summer business.

The thing about having limited finances is that it would at least inspire you to think of some way to double it. The summer season is a perfect opportunity for you to be able to come up with your own small time business. Think of all the possibilities! For the average Filipino, a “Halo-Halo” store would be the most obvious answer. Either that or you’d prefer to sell popsicles or blocks of ice wrapped in plastic. The thing is, you are presented with the opportunity to make a living out of the small budget and summer heat that lies before you. Some locales would usually require a business permit in order for you to start your own small time venture, but even that is as simple as filling up forms, paying the appropriate fee, and presenting other documents which may show that your location is safe for the business.

3. Stay at home.

Limited budget would always result to limited activities. If you do not have the cash to go on a luxury cruise, then better just stay at home. You wouldn’t have any other choice, either way, as travel would cost money, and we aren’t even touching on the accommodation fees per scheduled vacation. Now, it may seem like a drag at first but sometimes fun comes from the most unexpected places. Staying at home also has its perks, for one, you can sit the whole day, relax, only to stand every meal time, turn on the TV after washing the dishes, then proceed to watch reruns of your favorite shows. If you aren’t fond of TV shows, then perhaps you can make the most out of your internet connection, watch countless livestreams of foreign shows or movies. The thing is, you are your only worst enemy, not boredom, and you are the only thing limiting you from having some fun, so do not let limitation of funds get you down.

4. Sell off some pre-loved items.

This is like hitting two birds with one stone. Have the energy to clean out any unnecessary or pre-loved items from your home and sell them off in a garage sale. You’d not only be decluttering your own space, but you would also be able to make a few amounts out of the sale. This is somewhat similar to the second pointer, with the slight difference of not having to get a permit for your garage sale, and having your pre-loved items to sell off instead of popsicles. Now, if you don’t feel like having a garage sale but would still prefer to offer your items in exchange for cash, then you might want to visit a pawnshop. Jewelries are your best friends when it comes to situations such as this, and the higher the appraisal of your pre-loved jewelry, the higher the amount that you’d get in return. Cash in exchange for your old accessories would always be a better deal than doing nothing at all for the summer.

With all of that being said, you may be looking for a pawn shop that would provide you with the most secure, reliable, and honest service and highest appraisal rates possible. No worries, as Cebuana Lhuillier has got your back. With their Pawning Service you can never go short in any amount (especially with a tight budget), 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. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

All Done in No Time: The eCebuana App and its Convenient Functionality

Mobile applications are the future of financial transactions. Instead of spending your time in line, waiting for your name or number to be called, mobile apps would enable you to do it all in just one click. You aren’t even limited to just one transaction, as you’ll be able to transfer funds, validate received amounts, and pay your bills via your app. Cebuana Lhuillier, a pawnshop that knows the importance of time, proclaim its openness to innovation with its eCebuana App.

What is Cebuana Lhuillier’s eCebuana App?

Cebuana Lhuillier’s eCebuana App is one of a kind, in the sense that it further extends the functionality of one of their main services, namely, Micro Savings. All of the transactions that you can do in your nearest Cebuana Lhuillier branch, with regards to your Micro Savings account can now be done using this new app. Cebuana Lhuillier is aware of the average Pinoy’s need to accomplish tasks in a timely and direct manner, hence, why they came up with this amazing solution to connect everyone to one of their vital services in order to help cut time in processing their transactions and to enable them to avoid the hassles of long lines as well. No longer would you need to spend fare money for commute, and neither would you ever need to waste time in lining up for your Micro Savings transactions.

What are the functionalities of the eCebuana App?

Basically, every transaction which involves their Micro Savings services, but are not limited to other minor functionalities such as:

  1. Send Money
  2. Micro Savings
  3. E-Loads
  4. Electronic Bill Payments

 

Minor functionalities as they may, they are also vital transactions which people undergo on a regular basis. While e-loads and bill payments are a different story altogether. Everyone uses their cellphones, which is why loads are consumed and bought regularly, the same thing goes for electronic bill payments, with people paying their monthly charges via app in order to avoid long lines within the local “Bayad Centers.” Some may even argue that the minor functionalities of the app are more utilized than its main functionalities, but that is still up for debate.

Now for the main functionalities, those of which are integrated into their Micro Savings system, the following may be accomplished:

1. Checking of their Micro Savings Account Balance.

For people who already have a Micro Savings account with Cebuana Lhuillier, they may check their balance via the app. Oftentimes, people line up in front of ATM machines just to check the amount in their account, the same thing happens within the Cebuana Lhuillier branches, with people lining up just to inquire their Micro Savings balance. Cebuana Lhuillier, being the catalyst of convenience for their customers, came up with the eCebuana app in order to prevent this hassle in the long run.

2. Transferring of Amounts between Micro Savings Accounts.

Understandably, we find ourselves in the brink of financial need sometimes. If it isn’t us, it may either be a family, a friend, or even a workmate. In such case, Cebuana Lhuillier thought of an innovation which would ease up on the process of helping each other out with a simple click. Transferring amounts between two Micro Savings account is now made easier with the eCebuana app. Especially during trying times, where money transfer should be immediate or real-time, the eCebuana app enables you to have complete control of your Micro Savings account, having the functionality to send or receive an amount from another Micro Savings account within the system.

3. Transferring of Amounts between a Micro Savings Account and a Bank.

This is identical to the previous functionality, except that instead of sending money to another Micro Savings account, you’d be sending money to a bank instead. The receiver would still have to line up in their local bank in order to receive the amount (either that, or they’d have to access their bank account within their own app, if their bank has one). The main catch from this is that you’d still be able to do it all from the comfort of your home, using nothing but the eCebuana app.

4. Transferring of Amounts between a Micro Savings Account and a Cebuana Lhuillier Branch.

Now, if the one receiving the amount has neither a bank account nor an eCebuana app installed in their phone, you may still transfer money towards a Cebuana Lhuillier branch. They will have to receive it the way it was usually done, by lining up in their nearest branch and filling out a form for their transaction. This may be time-consuming, depending on how long the line is, but that would be on the receiver’s end. If you were the one to send the amount, again, you’d be able to accomplish all of that in one click. No need to leave the comfort of your home.

Key Summary:

To simplify, the eCebuana App has two (2) minor functionalities and four (4) major functionalities. The minor ones involve e-loads and bill payments, while the major functionalities include:

  • Checking of Micro Savings account balance.
  • Money transfers between two Micro Savings account.
  • Money transfers between a Micro Savings account and another bank.
  • Money transfers between a Micro Savings account and a Cebuana Lhuillier branch.

Of course, you’d have to apply for a 24k card first in order to accomplish such transactions though the app, but even that is a simple process that would not take much of your time. You may prefer to the official Cebuana Lhuillier website for more information about their 24k card .

With all of that being said, you can probably say that such an app is a lifesaver. Indeed, Cebuana Lhuillier does most of the heavy lifting, proving that unbeatable service is best seen with an innovation. Here in Cebuana Lhuillier, service is our top virtue, may it be online or in-branch. So, what are you waiting for? Download the eCebuana App now! Available at the Google Playstore.

Sangla Bonanza Winners 2020

Congratulations sa ating 1st batch raffle draw winners ng SANGLA BONANZA! Sugod na sa pinaka malapit na Cebuana Lhuillier branch para sa chance na mapabilang sa susunod na batch of winners! Basta sangla, ipa-Cebuana!

Narito ang list ng 2nd, 3rd and Grand Draw winners of Sangla Bonanza Promo:

Grand Draw

Month 2_R1A

Month 2_R1B

Month 2_R2A

Month 2_R2B

Month 2_R3

Month 2_R4A

Month 2_R4B

Month 2_R5

Month 3_R1A

Month 3_R1B

Month 3_R2A

Month 3_R2B

Month 3_R3

Month 3_R4A

Month 3_R4B

Month 3_R5

 

Narito ang list ng 1st batch raffle draw winners:

R1A_SANGLA BONANZA WINNERS

R1B_SANGLA BONANZA WINNERS

R2A_SANGLA BONANZA WINNERS

R2B_SANGLA BONANZA WINNERS

R3-SANGLA BONANZA WINNERS

R4A_SANGLA BONANZA WINNERS

R4B_SANGLA BONANZA WINNERS

R5_SANGLA BONANZA WINNERS

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)