Paying On Time: The Different Bills That We Encounter and How We Can Settle Them All Wisely

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

1. The Electricity Bill

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

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

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

2. The Water Bill

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

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

3. The Phone Bill

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

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

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

Riches at the Comfort of Your Home: Cebuana Lhuillier’s Pawn from Home Service

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

 

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

 

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

 

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

 

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

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

 

Here are their onsite pawning procedures.

 

  • Confirmation

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

 

  • Offsite Prep

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

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

 

  • Disbursement

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

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

 

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

 

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

 

 

Get Connected: Online Alternatives to Everyday Transactions

The World Health Organization (WHO) has advised the public to shift to contactless transactions and avoid in-person activities as well as handling money as much as possible as they can be a potential COVID-19 carrier and accelerate the spread of the disease. This is not new since digital or online transactions have been existing around the globe for years already. Many businesses and banks have already pioneered digital transaction for the convenience of their consumers which includes easy payment and for security purposes.

 

Here’s a rundown of some activities you can do online to avoid in-person transactions.

 

  • Check your balance
  • View your bank and transaction statements
  • Transfer funds
  • Pay your bills, loans and other obligations
  • Buy or sell goods

 

Moreover, when buying or selling products or services, what you need to do are the following:

 

  • Pre-purchase/Sale – check the details of the product or service that is advertised online.
  • Purchase/Sale – when you like a particular product or service, you buy it and make the payment online.
  • Delivery stage – the goods that you bought will be delivered to you.

 

These stages in your online transaction are the easiest ways, so you will no longer need to go outside and travel back and forth from your house to a store.

 

How does digital or online payment work?

 

The no face-to-face transaction is really a big help amid the quarantine due to the COVID-19 pandemic. You can use it to help avoid the proliferation of cases. All you have to do is connect your device such as a phone, a desktop, or a laptop to the internet, and then choose to process your payment for goods or services through online transactions via debit card, credit card, or electronic funds transfer (EFT).

 

The first two choices are the most common ways of online payment here in the Philippines. The debit card is a direct debit transaction, meaning, it’s a way to transfer funds in real-time from a bank account to a merchant or an automated teller machine (ATM). By using the credit card, you can borrow money from a financial institution to make a purchase. Just don’t forget to pay full or on time to avoid paying the interest charges or late fees and make a minimum payment so you can pay less than the full balance. The latter option allows payment by using electronic signals to transfer money. When you start an EFT, signals are sent from the terminal via 128-bit encryption which makes it more secure in transferring your money. The 128 -bit SSL (Secure Sockets Layer) encryption renders 1 million different combinations, so it would be impossible for the average hacker to guess your sensitive information.

 

When using one of these options, you have to give information about the transfer, such as your account number, account holder name, and the transfer amount.

 

Due to the limited stores, banks, and businesses open and numerous applications for each, many are having a hard time processing their transactions. It’s very efficient now that there are non-bank financial services providers that are offering a single and efficient way to do all of your online transactions. Thanks to Cebuana Lhuillier Rural Bank, these are made possible through the Cebuana Lhuillier Micro Savings and the  eCebuana Mobile App.

eCebuana

By using the eCebuana app, you can do the following.

 

  • Receive shipments from other banks to your micro-savings account.
  • Send money to other micro-savings accounts.
  • Check micro-savings balance.
  • Send money to another Cebuana Lhuillier branch
  • Make an e-load or pay your bills online

 

Cebuana Lhuillier Micro Savings

Cebuana Lhuillier Micro Savings is almost the same with any regular savings account, but the good thing about this is that it doesn’t require a maintaining balance. Kids as young as 7 years old can open their own Micro Savings account, and it can be considered as a  “kids savings” or  a “junior savings” account.

 

You can open your account by visiting the nearest Cebuana Lhuillier branch to fill out some forms. You will be needing P50 for the minimum initial deposit, a P100 card fee (for clients without 24k card), and one (1) Government-issued ID such as passport, driver’s license, birth certificate (for minors only), or student ID (applicable only if the student is currently enrolled).

 

And for faster and more convenient transactions, you may connect your Micro Savings account to your eCebuana app. By doing so, you need to connect and register your 24K card number to the application to proceed with your desired transactions.

 

COVID-19 truly challenges traditional banking and business habits, but through adapting to their digital solutions and fintech, you will no longer have difficulty making any transaction. It will not just make your life easier, but also safer.

 

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

The Magic Number: How Much Should I Send My Loved Ones During the Pandemic?

Coronavirus has affected millions of Filipinos around the world. Many have experienced significant financial losses; others have lost their jobs. Because of such, some of your loved ones may turn to different financial institutions to help themselves and provide for their daily needs. But the problem would be, those institutions can’t give much flexibility in loaning money. Their second option would be borrowing money from you.

 

It would be fortunate for them if it’s amenable for you to lend them a substantial amount of money to help them get through the crisis. But it’s also natural if you have second thoughts on lending money because lending money can turn awry. On the one hand, it’s terrible for you if they won’t be able to return the money; but on the other hand, you’re helping a family member get back on their feet.

 

If you decide to help them out, the question that’s probably running in your head would be, what’s the fair amount to lend anyone during this difficult time?

According to the New York times, before sending money to someone, you should first reflect on what your intention is—if it’s a loan or a gift. If it’s a loan, you should advise your loved ones the terms of lending him money. You may tell them that he can give back your money as soon as he already has a new job or clearly state that you will need the money at a particular time and if he could pay you back by that time. It’s important to tell them these kinds of things as many families are almost torn apart just because of money.

 

In any terms, you should prepare for lapses. It’s because lending money can have certain consequences that may occur after.

 

Let’s say that you have six months of emergency money.  If you gave two months of it to your sibling who was laid off from his work, don’t expect him to pay you back soon because it’s unsure whether your sibling can find a new job within two months. You should also have extra money for yourself should your brother fail to pay you back at the agreed time.

If you’re not comfortable with that kind of setup, you should ask yourself if you can afford to loan a loved one. Moreover, you should also probably consider planning before lending some money. Set clear payment terms before giving your loved ones a loan. It can help you clarify the appropriate amount to be remitted during this pandemic and the time you want to get your money back in full.

 

You must know when to draw the line in lending money. It’s nice to provide when you can, but if you also have your own liabilities, it’ll be smarter to make sure that you’re able to cover yourself first. It will be better for you to be honest with your loved ones or relatives about your current financial capabilities, so they’d understand. You don’t need to bleed yourself out just to accommodate everyone.

 

It might be awkward, but it wouldn’t be nice if you can’t pay your bills just because you’re trying to be generous when you couldn’t afford it. If you think you have more than enough, then that’s when you can extend your help to anyone.

 

Furthermore, there are also alternative ways to help if you can’t lend a lot of money to your loved ones.

 

For instance, your brother didn’t lose his job, but his company cut his salary as they experienced financial problems brought by the pandemic. In this case, if you can’t afford to send him money, you can lend him your vehicle temporarily, so he can use it to go to work. If he needs an internet connection, you can let him stay with you for a while to continue his work remotely. You may also consider sending him some food necessities to lessen his burden on where to get money to buy his food.

 

These simple acts of kindness can help your loved ones know that they’re not alone during this health crisis. You are right in being a responsible sibling and family member. You must be thankful that you are blessed enough to provide help and assistance to other people. Be that as it may, don’t forget to keep your finances in check. Make sure you have enough resources before keeping others warm.

 

Cebuana Lhuillier can help you to be more financially secured. With their Micro Savings, you can  open your own bank account to save money without maintaining balance. You can also use their other services like Pera Padala and pawning, where remittances and transactions are fast, convenient, and safe. So, what are you waiting for? Visit your nearest Cebuana Lhuillier branch today!

 

 

 

 

 

 

Beyond Limits: Cebuana Lhuillier Partners with Western Union for Cross-Border Remittance

You may be experiencing a hard time figuring out how you can send or receive money from your loved ones abroad and the Philippines, especially today that fewer banks are operating due to the pandemic. There are also longer lines because of the health protocols implemented in different banks. It’s good to know that, somehow, other businesses are teaming up to accommodate the people’s needs during the COVID-19 crisis. Two of the famous money-sending companies in the country and abroad joined forces for cross-border remittances.

 

Cebuana Lhuillier and Western Union have come together to give their customers a more convenient way to connect with their loved ones. This partnership allows CebuanaLhuillier customers to transact through its 2,500 branches and send and receive money via Western Union’s global network in more than 200 countries and territories. The wider reach and more accessible remittance process will meet the needs of the Filipinos locally and internationally.

 

According to Cebuana Lhuillier’s CEO and president Jean Henri Lhuillier, “This partnership with Western Union is a prudent step in ensuring accessibility for the millions of Filipinos around the world and in paving the way for a future-proof network with presence in almost all parts of the globe.”

 

Cebuana Lhuillier, as one of the microfinance services providers, and Western Union believe that they can help many Filipinos amid the COVID-19 pandemic as people find it challenging to get their needs, including financial services. Both companies know that their strategic collaboration will be reliable and a quick cash solution to reach more customers.

 

“In an age when speed, reliability, and convenience mean everything, we are increasing the number of touchpoints where our customers can access our services and connect with their loved ones around the world,” said Jean Claude Farah, president of the Western Union Global Network.

 

Because of the significant alliance between the two companies, Cebuana Lhuillier continued to put forward its vision to empower Filipinos through financial services. Western Union, on the other hand, can help other businesses to expand their global reach.

 

To guide you in sending money from abroad to the Philippines, you may follow these simple steps:

 

  • Visit Western Union and fill out the r form.
  • Along with your valid ID, submit the accomplished form.
  • Give the total amount to be paid to the branch personnel.
  • Remember to secure the official receipt or your proof of remittances.
  • Give the remittance number to the receiver or beneficiary from the Philippines.

 

We advise that the receiver should provide the control number and present it with an ID upon claiming of remittance.

 

For those who need to send money from the Philippines to a loved one abroad,

 

  • You should visit any Cebuana Lhuillier branch and fill out the Pera Padala
  • With your form, present your valid ID and your 24k card (if you are a 24k cardholder) to the branch personnel.
  • Give the total amount to be paid to the branch personnel.
  • Secure the Pera Padala form.
  • Don’t forget to provide the receiver or beneficiary the 10-digit control number.

 

 

Aside from remittance, Cebuana Lhuillier acts as a cash agent for its rural bank and provides micro-savings bank account to millions of Filipinos. It also provides digital access such as eCebuana for a faster and more convenient way in transactions.

 

About Western Union

 

Meanwhile, Western Union serves customers worldwide through innovation– from a fast-growing digital network of web, app, and the largest number of Agent retail locations across the world. They also help not only the consumers but businesses offering convenient options to meet their business needs.

 

Lhuiller believes that their partnership will help nurture their growing clientele, as well as give more people a chance to be part of  faster and easier transactions to help each other financially, “We are more than thrilled to collaborate with Western Union as their company values line up perfectly with our core of facilitating financial inclusion for the underserved Filipinos and expanding our reach makes that all the more possible.”

 

As the Philippines is the fourth largest remittance-receiving country globally, the collaboration will surely help a lot of Filipinos. Giving them access to Western Union and vise versa, anytime and anywhere in the globe, will save a lot of time and can ensure safety during this health crisis. Through the simple procedure of Pera Padala and the use of digital applications, you can now send and receive money quickly.

 

To make it more convenient, Western Union provides you with their Agent Locator to help you find the nearest accredited remittance locations for your transactions. It will guarantee your convenience as you don’t have to travel and expose you to places with COVID-19 cases. In addition to this, you may visit the Cebuana Lhuillier website for their open branch locator and make an online transaction appointment before visiting your preferred branch. In this way, you won’t have to wait in line for your turn, and you can skip filling out the tedious forms. How easy is that? So, what are you waiting for? Transact with us now!

 

Safe Travels: The Dos and Don’ts of Travelling During the Pandemic

We bet that you’re longing for an adventure or a relaxing getaway! But because of the quarantine, many air, land, and water transportation have been banned bans and restrictions to travel both locally and internationally have been placed. This health crisis has left people around the world with limited travel options. We’ve seen as well that the government is putting guidelines before you’ll be allowed to travel.

With that, here’s what you should know before going on a trip.

Get yourself tested

Before you decide to go out of your house, you should make sure that you don’t have any of these following COVID-19 symptoms.

 

  • The most common symptoms are:
    • Fever
    • Dry cough
    • Tiredness
  • Less common symptoms:
    • Sore throat
    • Headache
    • Aches and pains
    • Diarrhea
    • Conjunctivitis
    • Loss of taste or smell
    • Rash on the skin, or discoloration of fingers or toes
  • Serious symptoms:
    • Loss of speech or movement
    • Difficulty breathing or shortness of breath
    • Chest pain or pressure

 

If you’re experiencing any of the symptoms you should isolate yourself first and intend not to go out anymore. You may also call the Department of Health (DOH) hotline ((02) 894 COVID (26843) or 1555) or your barangay for their instructions and/or medical care.

 

 

Wear protective equipment

People are required to wear protective equipment especially if you’re taking public transportation. These are highly recommended to use as everyday protection when going outside of your house. Such equipment includes the following:

 

  • Face mask – place it carefully to cover the mouth and nose and tie securely to minimize the gaps between the face and the mask. Avoid touching the mask when outside,
  • Face shield – this should cover your forehead down to your chin, and both your ears.

 

You may also put on a pair of gloves, if you want, so you can avoid direct handling of possibly contaminated items while you go shopping. Then, make sure that the equipment you used will be cleaned and washed after. If you’re using a disposable face mask, you should properly dispose of it by putting it in a separate ‘yellow color-coded plastic bag’ (for biomedical waste collection). This will help you prevent the virus from spreading into your house and helps protect garbage collectors too.

 

 

Carry all the essentials

Make sure that you all have with you the necessary things that you need for your hygiene. You can pack up some pairs of gloves, masks, wipes, alcohol, and hand sanitizers. Regularly use your alcohol when you’re not wearing gloves. You should treat everyone as a potential carrier to be more cautious. With that, you should avoid passing any of your essentials to another person.

 

You can also take some toothpick with you and use them to push the elevator or ATM buttons without directly touching them. Remember as well that it will be helpful if you put your devices and documents in polyethylene bags or containers while passing through security checks in different establishments.

 

 

Get medical and travel history

Part of the travel guidelines issued by the Philippine government and other countries, you should be prepared to show your medical and travel histories before allowing you to enter their province or country. These will prove that you haven’t been ill that might indicate that you were a virus carrier and their record in contact tracing. Make sure to have at least updated records from the past 14 days to help you get through the checks.

 

It’s understandable that most of us still need to go out for work and for some errands especially now that most of the cities and provinces are in a more relaxed quarantine. Just make sure that you will practice social distancing and know what you need to do and have.

 

Moreover, if you are part of a few who are privileged to have their own vehicle, you still need to be careful (not just with the COVID-19) as accidents may come in the way. To make you protected, Cebuana Lhuillier offers you its innovative microinsurance product for your vehicle. This vehicle insurance is called Compulsory Third Party Liability (CTPL) insurance ready to provide you financial protection against physical damage or bodily injury caused by vehicular accident. Plus, if you get insured, you may have a chance to win a new motorcycle to help you and your loved ones in their solo travel. With every purchase of CTPL, you can have a one (1) e-raffle entry.

 

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

 

 

A Green Alternative to Saving Money During the Quarantine Period

Gardening is booming during this pandemic. Many are calling themselves “Plantitos” and “Plantitas” as they take care of plants and grow their own food amid the quarantine. People also make use of propagating plants to relieve stress and save money.

But why is gardening so comforting? How can it help you to save and gain profit? Here’s what we’ve gathered.

 

Keeping you and the environment well

Being healthy is important and taking your time to reconnect with the environment will give you experiences that help you improve your health both physically and mentally. Science champions the power of planting as it can be a therapy to reduce stress, hypertension, depression, anxiety, and other mental illnesses. There are aromatic plants, that you can buy online or from physical stores, which help you remain calm. Meanwhile, the act of gardening is physically beneficial because you are using several of your muscles.

 

In addition, you can help the planet through planting or gardening. Plants give off the oxygen we breathe and take in carbon dioxide which helps the Earth’s atmosphere in providing you with fresh air and a cool climate. For some who don’t have outdoor space for this new hobby, you can make a small terrarium which can be installed inside your house as it doesn’t require much space. It will improve your household environment by minimizing extreme temperature and reduce energy consumption. You can also use this opportunity to learn or upgrade your waste management skills. It involves composting where you use decaying organic materials as a plant fertilizer. It will not only nourish your plants and crops, but also reduce your carbon footprint and generate less waste.

 

Furthermore, this new hobby can be good for family interactions. With everybody taking care of the plants, you can all reduce your dependency on gadgets and develop a deeper relationship with your family.

 

Access to food

There are different varieties of plants, vegetables, and fruits that can be found in our environment. Some establishments and businesses have seeds of such variety, but since it’s difficult to go outside because of the quarantine, there are online sellers whose products include organic seeds. You can also get some stems and seeds from the vegetables and fruits you bought or that are stored in your fridges such as peppers, onions, lettuce, tomatoes, guavas, and papayas. By planting their stems and seeds in your garden or terrarium, you can now have a better supply of food that you can assure of its quality–also, chemical-free.

 

Own a mini farmer’s market and SAVE!

Taking care of plants and producing your own crops can earn and save you some money. By making your own garden, you can eventually build your own mini farmer’s market. The plants and crops that you get from gardening can save you money from transportation to the supermarket and buy a bunch of food items. Then, you can actually earn as your market can be your friends, neighbors, or people buying online. You can sell them a 100% organic and 100% fresh as you can easily pick them up in the garden and have them delivered to your customers in an instant. This, surely, can be a better way to earn because the pandemic has caused shortages in the grocery store.

 

And to keep your savings safe, why not try to secure them through Micro Savings.

 

Cebuana Lhuillier offers you its Micro Savings product with no maintaining balance needed. So, you can put as low as P50 into your account until you can earn more from your mini-farmers market.

 

Clearly, gardening is going to play an important role in our society, during and after this pandemic. Being in quarantine can make you explore biodiversity, practice simple living, and at the same time, be an entrepreneur. That’s why it’s important that at this point, you’ll have access to at least a small garden, so you can expand in the future to avoid any new sources of carbon emissions and gain more profit.

 

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

 

 

 

Cebuana Lhuillier Foundation gives donation proceeds to ALS teachers affected by new normal

CEBUANA Lhuillier Foundation Inc. (CLFI) is making proceeds from its call for donations on the KINDerplatform available for the use of teachers under the alternative learning system (ALS).

The donations, coursed through the Aboitiz Foundation Inc. platform, are expected to help ALS teachers cope with the blended learning scheme implemented by the Department of Education (DepEd).

“I am glad that our advocacies are able to adapt to what our stakeholders currently need, and truly help those who have difficulty adjusting to the new normal,” said Jean Henri Lhuillier, president and CEO of CebuanaLhuillier.

The donations will be used to equip teachers with a laptop unit, a printer, a projector, and a screen to help them adapt to DepEd’s learning continuity plan which includes the digitalization of teaching modules used for instruction.

“This recalibration of our thrust for call for donations comes at a most opportune time because we can only be sure that no student is left behind once we guarantee that no teacher is left behind,” said Jonathan Batangan, CLFI executive director.

KINDer is Aboitiz Foundation’s advocacy crowdfundingwebsite which houses various advocacy campaigns in the country. Through a few clicks, KINDer users can browse through the different campaigns and donate towardssupporting their chosen advocacies.

Sangla Papremyo 2020 Winners

Congratulations sa winners ng SANGLA PAPREMYO! Marami pa kaming papremyo para sa inyo kaya basta sangla, ipa-Cebuana!

Monthly Winners

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Grand Draw Winners

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Cebuana Lhuillier, Western Union team up for open network partnership

Customers of Western Union will soon be able to send and receive money transfers in the Philippines through Cebuana Lhuillier, as the two companies have teamed up to enable transactions between their two systems.

Under the partnership, customers can transact through the 2,500 locations of Cebuana Lhuillier and send or receive money via Western Union’s global network across over 200 countries.

The service is expected to be rolled out in the coming weeks, but a specific date has yet to be announced.

“In an age when speed, reliability and convenience mean everything, we are increasing the number of touchpoints where our customers can access our services and connect with their loved ones around the world,” said Jean Claude Farah, president of the Western Union Global Network.

“We welcome Cebuana Lhuillier to the Western Union family and are proud and excited to work collaboratively to reach more customers together,” he added.

For its part, Cebuana Lhuillier said the partnership will give Filipinos access to the Western Union network which covers over 550,000 retail agent locations.

“This partnership with Western Union is a prudent step in ensuring accessibility for the millions of Filipinos around the world and in paving the way for a future-proof network with presence in almost all parts of the globe,” said Jean Henri Lhuillier, president and chief executive officer of Cebuana Lhuillier.

“We are more than thrilled to collaborate with Western Union as their company values line up perfectly with our core of facilitating financial inclusion for the underserved Filipinos and expanding our reach makes that all the more possible,” he added.

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)