5 million Filipinos now have Cebuana Lhuillier Micro Savings

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There are now more than 5 million Filipinos who have a Cebuana Lhuillier Micro Savings account. This landmark achievement by Cebuana Lhuillier Rural Bank (CLRB), the banking arm of the leading micro-financial services company in the country, Cebuana Lhuillier, comes after the launch of the leveled up Cebuana Lhuillier Micro Savings product in December of last year.

“We are elated that there are more and more Filipinos every day who are realizing the importance of saving and are taking charge of their future. It is very exciting that these 5 million Micro Savings account holders are not only on the first step to financial wellness but because of our amped-up product, are also Financially Mobile individuals,”said Cebuana Lhuillier President and CEO, Jean Henri Lhuillier

The Cebuana Lhuillier Micro Savings was launched in February 2019 as a basic deposit account that eliminated the need for numerous documentary requirements and maintaining balance or dormancy charges. The product was made available at Cebuana Lhuillier’s more than 2,500 branches as it acted as CLRB’s cash agent.

Recently, as an enhancement to the product, Cebuana Lhuillier Rural Bank mounted Discover Your Ipon Power: The Cebuana Lhuillier Micro Savings 2.0 Launch which unveiled new features for the Cebuana Lhuillier Micro Savings product. 

These features are: 

(1) Cashless Payment possible through UnionPay,

(2) ATM access powered by BancNet, 

(3) Online Transactions made easier through the eCebuana app, and

(4) QR Technology.

‘Iponaryos’ is now even more empowered to take command of their future because of the transformation of their Micro Savings account from just a basic cash deposit account to an even more powerful and reliable, full-service savings account.

Through their partnership with BancNet, they now have unrivaled access to their finances beyond CLRB’s cash agent, Cebuana Lhuillier’s more than 2,500 branches nationwide, this is possible through BancNet’s roster of 21,000 ATMs, and 114 member banks.

The bank’s tie-up with UnionPay further allows account holders to make debit payments through over 350,000 POS terminals, as well as partner merchants nationwide. ‘Iponaryos’ can now get the benefit of enhanced payment security with UnionPay chip cards’ quick payment process with just a tap, using UnionPay Contactless technology.

KaCebuanas also have full online access with the use of the more efficient and more powerful eCebuana app which allows money transfers via Instapay, bills and utility payments, eLoad, and insurance purchase, the application will be even more powered thanks to new features such as the pawning ticket renewal and jewelry purchases. All these are made even more convenient since the adoption of online sign-ups, which is now possible in the eCebuana app.

Cebuana Lhuillier Micro Savings further steps into the future by enabling QR Technology within the eCebuana app. This feature will also be able to make money transfers and retail payments seamless and secure.

“5 million Filipinos are taking a step further into a promising future with our powered up Cebuana Lhuillier Micro Savings, we are confident that even more Filipinos will soon take hold of their Ipon Power.” added Dennis Valdes, President of the Cebuana Lhuillier Rural Bank.

5 Easy Tips Para Mapalago Ang Iyong Ipon

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BDO NETWORK BANK, EASY TIPS PARA MAPALAGO ANG IPON. Bigyang halaga ang pag-iipon sa bangko para laging handa sa oras ng pangangailangan. 

Kaliwa’t kanan ang advice tungkol sa pag-iipon. Pero para sa iba, madaling sabihin pero mahirap gawin. Huwag mag-alala, narito ang 5 na practical tips para mapalago ang iyong ipon at guminhawa ang buhay mo.

1. Dapat consistent ang pag-budget at pag-manage ng gastos

Ugaliing gumawa ng budget para sa iyong mga gastusin buwan-buwan. Mahalagang nakaplano kung saan mapupunta ang kita mo.

Maraming paraan, para ma-monitor ang gastos mo. Pwedeng mag-download ng app sa phone gaya ng “budget tracker” o “money manager.” Kung gusto mo naman ng personalized, gumawa ng sariling listahan sa iyong phone. Pwede ka din gumamit ng notebook. Basta kung saan ka komportable, yun ang gawin mo. Mahalagang makita kung pasok pa din sa budget ang mga ginagastos mo.

2. Alamin kung ano ang needs vs wants

Bago bilhin ang isang bagay, tanungin muna ang sarili, “Kailangan ko ba talaga ito?” Minsan kasi ang mga “wants” ay nagiging “needs” pag hindi nasusuring mabuti.

Alamin mo ang iyong priorities.  Ano ba ang mga bagay na mahalaga sa iyo? To do this, gumawa ng top 10 list ng mga bagay na kailangan mo. Tignan at ayusin ito base sa pinaka-importante at hindi gaanong importante.

Base sa listahan, makikita mo kung ano talaga ang kailangan at dapat unahin.

3. Mamuhay ayon sa iyong kinikita

Always aim to live within your means. Sa panahon ngayon, mahalaga maging praktikal. Kung hindi kaya ng budget, huwag nang ipilit.

Hindi kailangang makipag sabayan sa magagarang bagay na nakikita sa social media. Pwede ka naman maging cool at fashionable kahit na hindi branded ang mga gamit mo. Ang importante ay confident ka.

4. Simulan mag-ipon ngayon and make it a habit

Kahit na magkano pa ang kita o sweldo mo, pwede kang makaipon ng malaki kung sisimulan mo ngayon. Iwasan gastusin lahat ng bonus o kita, at maging one-day millionaire.

Subukan mo muna sa malit na halaga. Halimbawa, yung 100 pesos araw-araw, pag inipon mo mula ngayon hanggang December, pwedeng umabot ng 30,000. Para hindi mo magalaw ang inipon mo, mas mainam at secured pa kung mag-o-open ng savings account sa bangko.

Isa si Coco Martin, brand ambassador ng BDO Network Bank, na naniniwala sa importansya ng saving. Bata pa lang sya, tinuruan na siya ng kanyang lola na mag-ipon. Kaya naman hanggang ngayon handa sila sa mga hindi inaasahang panahon, tulad nitong sitwasyon ng pandemya.

Ayon kay Ramon T. Militar ng BDO Network Bank Community Banking Network Group, makakatulong kung ikaw ay may dalawang bank accounts. Isa para sa iyong sweldo, isa para sa iyong ipon.

5. Mag-loan lang ng halagang kailangan

Huwag madala sa mga nag-o-offer ng malaking loan. Bago mag loan, sagutin mo muna ang mga tanong na ito:

          a. Ito ba talaga ang kailangan kong halaga?

          b. Kaya ko ba ito bayaran on time?

          c. Ang pagkuha ko ba ng loan ay para sa negosyo na kumikita, or di kaya ay sa bagay

          na tumataas ang value, gaya ng lupa?

Kailangang pinagpaplanuhan din ang pag-loan para maingatan ang inyong credit status. Kung binabayaran mo ang loan mo on time, mas madaling makapag-loan ulit in the future. Ayon kay Alberto O. Quiogue ng BDO Network Bank Salary Loans Group, ang loan ay para matulungan ka at hindi para mahirapan ka. Iwasan ang loans para sa luho para hindi mabaon sa utang.

Maaaring bisitahin ang BDONB Facebook page (https://www.facebook.com/BDONetworkBankPH) o  ang BDONB website (https://www.bdonetworkbank.com.ph/) para malaman kung anong produkto at serbisyo ang tama para sa pangangailangan mo.

 

About BDO Unibank, Inc.

BDO is a full-service universal bank that provides a wide range of corporate and retail banking services. These services include traditional loan and deposit products, as well as treasury, trust banking, investment banking, private banking, rural banking, cash management, leasing and finance, remittance, insurance, retail cash cards, and credit card services. 

BDO has the country’s largest distribution network, with over 1,400 consolidated operating branches and more than 4,400 ATMs nationwide.  It also has 18 overseas remittance and representative offices (including full-service branches in Hong Kong and Singapore) in Asia, Europe, North America, and the Middle East.

BDO ranked as the largest bank in terms of total assets, loans, deposits, and trust funds under management based on published statements of condition as of December 31, 2020. For more information, please visit www.bdo.com.ph.

Japanese Breakfast makes her late-night tv debut on The Tonight Show starring Jimmy Fallon

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Japanese Breakfast, the musical project of Korean American artist Michelle Zauner, made her late-night television debut on The Tonight Show starring Jimmy Fallon recently performing "Be Sweet," the acclaimed new single from her anticipated upcoming album, Jubilee.

 

The band also performed "Jimmy Fallon Big!," from 2017's Soft Sounds From Another Planet as a web exclusive, a song Zauner wrote about the bass player of her previous band. "He'd been offered a better touring gig and so he sat me down at my kitchen table and told me he had to quit the band because this other band were going to be 'Jimmy Fallon big.' At the time it felt like losing a brother, and there was this shame, feeling like I was never going to get there myself," Zauner told NPR. "Funny enough, he now plays bass in Japanese Breakfast! Now we just need to play Jimmy Fallon and the cycle will be complete!"

 
WATCH JIMMY FALLON EXPLAIN THE SONG "JIMMY FALLON BIG!"

 
EARLY PRAISE FOR JUBILEE:
 
“We may be contending with grief and illness on a mass scale, but Japanese Breakfast gives us a way to resist sorrow.” -Pitchfork, Best New Track
 
"Confidently opens up her sonic universe. 'Be Sweet' is immaculately executed ‘80s synth-pop, down to the polyrhythms and the harmonies that kick in during the radio-ready chorus." -Billboard
 
“Cuts through her ubiquitous dreaminess with an effectively direct message. Sincerity is an uphill battle, and Michelle Zauner is committed to the climb.” -The FADER
 
“Zauner [is] channeling joy and ecstasy just as she once so devastatingly channeled grief.” -Stereogum
 
“After two albums spent amid dream-pop excavations of grief and longing, Japanese Breakfast’s Michelle Zauner is bringing the joy — and it sounds infectious as hell.” -MTV
 
“An impressive vocal performance… The album’s lead single is a joyous and hopeful introduction to Zauner’s next album.” -Paste
 
“A new era of Japanese Breakfast is coming – and it’s a very joyous one.” -The AV Club
 
“Upbeat and optimistic.” -UPROXX


 

From the moment she began writing her new album, Japanese Breakfast’s Michelle Zauner knew that she wanted to call it Jubilee. After all, a jubilee is a celebration of the passage of time—a festival to usher in the hope of a new era in brilliant technicolor. Zauner’s first two albums garnered acclaim for the way they grappled with anguish; Psychopomp was written as her mother underwent cancer treatment, while Soft Sounds From Another Planet took the grief she held from her mother‘s death and used it as a conduit to explore the cosmos. Now, at the start of a new decade, Japanese Breakfast is ready to fight for happiness, an all-too-scarce resource in our seemingly crumbling world.

 

How does she do it? With a joyful noise. Jubilee bursts with the most wide-ranging arrangements of Zauner’s career. Each song unfurls a new aspect of her artistry.

 

In the years leading up to Jubilee, Zauner also took theory lessons and studied piano in earnest for the first time, in an effort to improve her range as a songwriter: “I’ve never wanted to rest on any laurels. I wanted to push it as far as it could go, inviting more people in and pushing myself as a composer, a producer, and arranger.”

 

Throughout Jubilee, Zauner is hardly fictionalizing her lyrics, instead pouring her own life into the universe of each song to tell real stories, and allowing those universes, in turn, to fill in the details. Joy, change, evolution—these things take real-time, and real effort. And Japanese Breakfast is here for it.

 

JUBILEE
JUNE 4TH, 2021
 
1. Paprika
2. Be Sweet
3. Kokomo, IN
4. Slide Tackle
5. Posing in Bondage
6. Sit
7. Savage Good Boy
8. In Hell
9. Tactics
10. Posing for Cars

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Teleperformance to offer free Covid-19 vaccinations for all employees

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Highlighting its commitment to promote the safety and welfare of its employees, Teleperformance Philippines will be offering free Covid-19 vaccinations for their more than 47,000 employees in the country nationwide.

This is in line with the global initiative of Teleperformance to provide free access to vaccines for all its employees worldwide. As the nation awaits the ongoing government reviews to allow distribution of the vaccine, Teleperformance Philippines is currently collaborating with government agencies and employers in the country to quickly secure the supply of safe and effective FDA-approved vaccines for 100% of their employees.

 

Teleperformance, a leading global group in digitally integrated business services recently announced its plans to reimburse the cost of Covid-19 vaccinations for its more than 330,000 employees worldwide, wherever the vaccine is not being provided free of charge by the country’s healthcare system. The plan will be deployed in accordance with the decisions of the local authorities concerned and in partnership with key private healthcare partners across Teleperformance’s footprint, which spans 80 countries.

 

Since the start of the Covid-19 crisis, Teleperformance has paid careful attention to protecting its employees, notably with a strong focus on health and hygiene standards in all its locations, millions of masks proactively secured and distributed to its staff, the assertive move to a Work-at-Home delivery model in conjunction with its clients, and enforcement of extra physical distance at its operational sites, over and above local country guidelines.

 

A Great Place to Work® certified company, Teleperformance Philippines likewise initiated efforts throughout the pandemic to promote the safety and well-being of their employees while helping businesses adjust to the new environment. Aside from stringent health and safety protocols on-site, they also implemented the work-at-home (WAH) model for thousands of employees and  launched Teleperformance Cloud Campus, a model that allows home-based interaction experts to work from anywhere in the world while remaining connected virtually to their Teleperformance team through one of the Cloud Campus hubs.

 

Today, by offering the vaccine as a free, optional staff benefit, Teleperformance aims not only to honor its commitment to protecting the health of its people, but also to help governments address the pandemic with agile, large-scope support of vaccination programs deployed at the corporate level.

 

Teleperformance Chairman and Chief Executive Officer Daniel Julien remarked, “Nothing is more important in fulfilling our mission than the safety and health of all our employees. Since the beginning of this grave crisis, we have done everything in our power to ensure business continuity for our clients and protect the health and safety of our employees, our partners, and jobs in the communities where the Group is present. Now, more than ever, we are focused on the same priorities. Based on strong relationships with healthcare partners and in compliance with government decisions and procurement agendas, we are well prepared across the world to assist in securing critical Covid-19 vaccinations for our employees. The reimbursement of vaccination costs for our staff is another critical step in this commitment to our employees. We will support every employee in the Group who wants the vaccine, especially in countries where the public or private insurance system doesn’t cover the cost. We are also proud to be actively contributing to the ongoing fight against the virus by boosting vaccinations worldwide.”

 

Teleperformance Chief Executive Officer for US, Canada, and Philippines Mike Lytle added, “From the beginning, the safety and well-being of our employees has been our priority. While the past year has definitely been a challenging one for the company and its many employees and partners, the announcement of the vaccine brings hope for everyone across the globe and we are committed to giving free access to this for all our employees. As we wait for the distribution of the vaccine, we continue to maintain a positive outlook for the industry and the country. We enjoin everyone in the ongoing fight against Covid-19 by continuing to follow the government’s lead and practice safety measures and protocols wherever they are.”

Returning OFWs find hope in Balikabayanihan Program

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Even before the COVID-19 pandemic, we knew of the bittersweet stories of returning Overseas Filipino Workers (OFWs). Often, they go abroad for high-paying jobs so that they can save and send money to their families back home. But migration stories don’t always guarantee a happy ending, and they need help when they are forced to return home.

“Dahil ang pagkakaakala ko ay ang pagiging OFW ang sagot sa lahat ng naging problemang financial namin at gusto kong maiahon ang aking pamilya at mapagtapos ang aking anak,” said returning OFW Marites Coronado. The journey, however, wasn’t simple. 

Take the case of another former OFW, Alma Palafox. She recounted: “Hindi po ako sini-suwerte sa napupuntahan na bansa. Laging may masamang nangyayari po sa akin. At minsan na rin muntik na akong hindi nakabalik ng Pinas ng buhay. Kaya hindi ko po natatapos kontrata ko.”

Gerlie Austria shares a similar experience but remains grateful despite the hardships she endured abroad. “Hindi man po ako naging maswerte sa ibang bansa, pero nagpapasalamat po ako sa Panginoong Diyos at ako po ay nakauwi nang buhay.”

Myrna Peñosa Corporal recalled the gloom she felt when she decided to go back to her family. “Noong nagsabi ako sa amo ko na ibalik na ako sa agency, dinala po nila ako sa Labor. Ang unang pumasok sa isip ko at naiyak ako, ‘Paano na ang pamilya ko? Uuwi ako na walang pera at naipon’,” said Corporal. 

Coronado, Palafox, Austria, and Corporal are among the OFWs who had to return home even if they haven’t achieved yet the financial goals they set for themselves. 

The Balikabayanihan campaign, a program supported by the Bank of the Philippine Islands (BPI), seeks to help these OFWs whose dreams were interrupted for various reasons.

Spearheaded by NEDA-Philippine National Volunteer Service Coordinating Agency and Atikha — a non-government organization working with OFWs and their families to maximize the gains of working abroad — Balikabayanihan calls on the spirit of volunteerism of Filipinos to help returning OFWs. 

It is a call for partnership by the Overseas Filipino organizations with government agencies, local government units, and the private sector to help OFWs by providing the needed resources — manpower and funds or mobilizing their volunteer network to serve as mentors to the OFWs. 

Melanie Labera, a returning OFW whose plan to resume her work abroad was put on hold because of the COVID-19 pandemic, benefitted from the program. “Nang umuwi ako ng Pilipinas, nagkataon naman na pandemic. Gusto ko sana bumalik [abroad], pero di na ako makabalik. Kaya malaki ang pasasalamat ko sa programang ito, pati sa BPI. May konting puhunan naman ako sa aking tindahan, pero konti lang. Kaya nagpapasalamat ako na nadagdagan dahil sa inyo.”

For her part, Austria, also a program beneficiary, said, “Nang makabalik po ako sa Pilipinas, isa po ako sa maswerteng napili ng Atikha na mabigyan ng tulong upang ako’y makapagsimula ulit sa aking buhay. Naging masaya po ako at nagkaroon ng pag-asa sa buhay. Ngayon po ay natupad ang isa kong pangarap na makabili ng makina.”  

Financial empowerment 

As one of the program supporters, BPI aims to empower repatriated OFWs by helping them manage their finances through learning webinars and by mobilizing volunteers and sponsors. BPI implements their programs through its business units BPI Foundation, BPI-Philam, and Remittance and Fund Transfers. 

“This pandemic has been hard on everyone, but repatriated OFWs and their families have been particularly affected. OFWs have done so much to uplift our entire nation’s economy over the decades. It’s only right that we stand by them now and help them get back on their feet and establish a financially secure life for themselves and their families,” said Reggie Cariaso, BPI Head of Corporate Banking Strategy, Products, and Support.

“Napakaganda po ng aking karanasan dahil nagkaroon po ako ng pag-asa sa buhay at talagang ipinangako ko po sa aking sarili na pagbubutihin ko po itong tulong na ibinigay sa akin ng Atikha at BPI Pamana Padala. At ang nagustuhan ko po dito ay ang mga taong kasapi dito na maaayos ang pakikitungo at napakamapagkumbaba at napakababait upang matulungan kaming lahat,” said Coronado. 

BPI Foundation holds mentoring sessions for OFWs with BPI Unibankers as volunteer mentors. For its part, BPI Philam provides free COVID-19 insurance coverage worth P200,000. BPI’s Remittance and Fund Transfers offers financial grants and monthly mentoring sessions for chosen OFWs  and instills the value of saving using their BPI Pamana Padala account.

With opportunities such as the Balikabayanihan, returning OFWs are more empowered than ever to try their luck in their home country. 

Palafox said, “Dito nalang po ako sa Pinas. Kahit mahirap po basta’t sama-sama kami ng mga anak ko. Kaya nagpapasalamat kami sa Balikabayanihan at sa BPI. Ang tanging hinahangad ko po sa aking sarili ay mapaunlad ko ang munting negosyo at magkaroon ng maraming kaalaman. "

Corporal shared another insight:

"natutunan ko po sa Balikbayanihan na kailangan po tayung  magtulungan para makabangon ulit sa hamon ng buhay. "