KNOW ALL MEN THESE PRESENTS:
I, (Name of Principal), of legal age, single/married to (Name of spouse if any), Filipino, a resident of (Address), do hereby name, constitute, and appoint (Name of Agent /Attorney-In-Fact), to be my true and lawful attorney, for me and in my name, place, and stead, to do and perform the following acts and things to wit:
To ask, demand, collect any and all sums of money, sue to recover debts, dues, accounts, dividends, legacies, bequests, interests , and other things of value of whatever nature or kind as may now be or may hereafter become due owing, payable or belonging to me, and to have, sue, and to take any all lawful ways and means for the recovery thereof by suit, attachment, compromise or otherwise;
To make, sign, execute, and deliver contracts, agreements, documents and other writings of whatever nature or kind, with any and all third persons, entities or concerns, upon terms and conditions acceptable to my said attorney;
To delegate in whole or in part any all of the powers herein granted or conferred, by means of an instrument in writing, favor of any third persons whom my said attorney may select;
HEREBY GIVING AND GRANTING unto my said attorney full power and authority whatsoever requisite or necessary or proper to be done in and about the premises as fully to all intents and purposes as I might and could lawfully do if personally present, with power of substitution and revocation, and hereby, ratifying and confirming all that my said attorney or his substitute shall lawfully do or cause to be done under and by virtue of these presents.
IN WITNESS WHEREOF, We have hereunto affixed our signatures this ___________ day of ____________________ , 20__ in ______________________, Philippines.
_______________________ ________________________
(Principal) (Agent /Attorney-In-Fact)
Signed in the presence of:
_______________________ _______________________
ACKNOWLEDGEMENT
REPUBLIC OF THE PHILIPPINES)
_____________________________ ) SS.
BEFORE ME, personally appeared:
Name CTC Number Date/Place Issued
(Name of Principal) 00000000 April 4, 20__ / Quezon City
(Name of Agent) 00000000 May 2, 20__ / Makati City
Known to me and to me known to be the same persons who executed the foregoing instrument and acknowledged to me that the same is their free and voluntary act and deed.
WITNESS MY HAND AND SEAL, on the date and place first above written.
Notary Public
Doc. No.______;
Page No. ______;
Book No.______;
Series of 20___.
You may plan ahead for the year but one sudden event may change everything. It’s not that everything is canceled but it’s just put on hold for the meantime. From career growth, travel, family gathering, and the like. It seems everything is affected but hey you should be grateful to be alive and well.
2. If you want it so badly go get it and don’t wait.
I’ve been hunting for an oversized blazer for almost a year now but I can’t find the perfect fit for my petite body and frugal pocket but after one scroll on Instagram, I was able to score a Calvin Klein blazer that is at par with what my favorite influencers are wearing that would for sure elevate my outfit. It wasn’t my first choice yet I keep thinking that I waited for so long already and I don’t want to prolong the agony of hunting for a blazer across different shopping and social platforms.
3.Connect with yourself.
Check on yourself first. Is there something bothering you? Do you consider yourself toxic? Do you want to heal from your past traumas? Being in isolation makes you even dwell on your problems more since your usual coping mechanism is no longer working in this time of quarantine. You just result facing it and apply all things your therapist told you.
4. Time to reconnect.
Get in touch with friends and ask them how they are coping. This situation is quite harsh to everyone’s mental health and we’re all trying our best to get through.
5. Work on something.
I’m not advocating being productive all the time because I know it’s not realistic even though I am having problems with getting it together. But you can start small like doing again the hobbies that you lost track of, start a business that is essential to the community, or you can even work on your dream body.
6.Be open to growth and possibilities.
In this uncertain time, try to explore the world in your bed or couch whether it’s learning new from online courses, TED talks, a simple catching up session with family and friends, or even meeting someone special. The possibilities are endless, it’s for you to explore the world.
7.Allocate resources wisely.
Use what you have at home before making an impulsive purchase that would just bring in clutter. Set a budget in every category since you can minimize your expenses by staying at home, you can also sell the things you don’t use, barter them within the community, donate it to the ones who are in need, and have fundraising to help the marginalized sector
8.Glow up and grow up.
This is the perfect time to glow up and grow up. We’ve all been thinking, maybe if I have time, I can do this or that… and now the universe gave it to us. Just imagine the time you spend getting ready for work and commuting, now we’re just in the comfort of our own homes. It’s in our hands if we’re going to use this time to better ourselves.
9.Life is not on pause.
You can use this time to do many things. Fixing and strengthening relationships with family, friends, and the love of your life. Heal yourself from all the traumas you’ve had. Finding your life purpose. Tick off the things you haven’t done for a long time on your to-do list. Set new goals for the new normal. Do the things you’ve been putting off for so long.
10.We can still be normal during the new times.
As we wear masks every time we go out, social distancing wherever we go, contactless transactions and our lives go to 360. We can still work from home, see our friends using video conferences and work on ourselves to be better.
Most online bank transactions have convenience fees now. Sometimes you need to be mindful of how you spend your money. There are times that a small amount could accumulate into a big expense. Lucky for us there are still free bank transfers in the Philippines.
Example:
You have 6 online transfers every week for your grocery, deliveries, and others paying a convenience fee of P10 per transaction depending on your bank’s Instapay and Pesonet fees.
Here’s a way how you can skip the bank fees every time you transfer money.
1. Banks
As of June 2022, here are the list of banks with waived INSTAPAY and PESONET fees
INSTAPAY
Equicom Savings Bank (retail clients)
Rural Bank of Guinobatan
ING Bank, N.V.
PESONET
Equicom Savings Bank (retail clients)
Rural Bank of Guinobatan
Bank of China
CIMB Bank Philippines
East West Bank
HSBC (retail clients)
ING Bank, N.V.
Philippine Business Bank, Inc.
Tonik Digital Bank, Inc.
Union Bank (retail clients)
2. Shopeepay
Shopee is now offering bank transfers in their Shopeepay via PESONET for free. Usually, it takes 1 or 2 working days for the amount to be credited to the nominated bank account.
These days most payment transactions are now done online. Back then, it was a different process and a lengthy one, you need to go to Bank A to get your cash thru over counter or ATM withdrawal and deposit it to Bank B. Now thanks to the advancement of electronic fund transfer services we now have Instapay and Pesonet in just one tap you can transfer your money to another bank account.
Here is the full list of all convenience fees published by Bangko Sentral ng Pilipinas (BSP) for bank transfers for Instapay and Pesonet.
As you live your best life and build your wealth, don’t forget that it is important to invest in yourself. It’s not just about securing your emergency fund, growing your stock portfolio, and building your business. Invest in becoming a better version of yourself. We must also focus on ourselves to help us be better in all ways.
Here are some things we thought can help you to make your life better:
As we need 8 hours of sleep to be functional as adults and sleep is something we can’t skimp on. I promise, it can help you improve your sleep and you will feel more rested on your daily good night’s rest.
Shoes
Good and reliable shoes are something that you need that can take you to places and can be usable for a good amount of time. Don’t sacrifice your comfort just because you can save a little bit yet it won’t last that long.
Vitamins
During this time, vitamins is a must to protect and keep you healthy. Our bodies are not getting younger anymore and taking vitamins should be part of your daily routine.
Hobbies
Do something to keep you sane. It could be your childhood hobby of reading comics or finishing off the list of the Greatest Films of All Time. Do it if it can make you happy. Well, happiness makes you more productive and feel better.
Career
You can try doing a boot camp, online courses, online volunteer or community, or learning a new language.
The best investment you will ever make is in yourself. You’ll thank yourself later.
