Categories
Adulting

How Do You Define Success in Life

How Do You Define Success in Life - Life Guide PH

I saw this post on Facebook on a peaceful Sunday morning. I thought to myself, do I feel this way too? I tried to ponder where am I now at 26?

As I scroll, I saw people from high school starting their families or getting married, others getting their promotions, and also saw random influencers living their best lives flexing their new luxury handbag.

However, I recalled that their definition of success is different from mine. I don’t want what they have… what I want is to make sure that I’m setting up myself for the greater good during my 20’s and I can enjoy my 30’s living the life that I want.

Define success on your own terms not into what society is telling you.

Categories
Finance Life Hacks

How to Cash in GCash For Free

How to Cash in GCash For Free - Life Guide PH

GCash is the leading fintech company in the Philippines. There are 60 million users of GCash in the Philippines who are now using it in their daily transactions from sending payments, cashless transactions, receiving remittances from overseas, buying load, banker transfer, paying bills, digital banking with GSave, purchasing insurance with GInsure, investing with GInvest and even credit line GCredit. GCash has a lot to offer to make the lives of Filipinos more convenient and cost-efficient.  

Is there a way to cash in for free with Gcash?

Last 2020, Gcash updated their cash in the policy and there are now charges and transaction fees depending on what service you are going to use. But hey, we got you! We have found a workaround so you can still cash in for FREE.

You have to link your BPI account to your GCash:

  1. Go to the GCash app
  2. Choose Cash In
  3. Select Manage from My Linked Accounts
  4. Tap on BPI and provide your Bank Account details
  5. Once your BPI account is successfully linked, you can experience free real-time cash-in at any time.

To Cash In from BPI to GCash

  1. Go to the GCash app
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2. Select Cash In and select BPI

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  1. Enter the amount and tap confirm the amount
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4. You will receive an OTP that you need to enter and after it is successful you will receive a message from GCash about your updated balance. 

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To Cash In from Unionbank to GCash

  1. Go to the GCash app
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2. Select Cash In and select Unionbank

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3. Enter the amount and tap confirm the amount

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4. You will receive an OTP that you need to enter and after it is successful you will receive a message from GCash about your updated balance. 

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Fees are subject to change at the discretion of GCash. For more questions and information, you may visit their website GCash, call their hotline via 2882, or you may also submit a ticket to the help center via the GCash app.

Categories
Finance Life Hacks

How to Automate Bank Transfer in the Philippines

Have you heard that you can automate your bank transfer?

There are two banks in the Philippines that are offering automated transfers but they usually call them as scheduled transfers. We tried and test it with BPI and Unionbank. It’s only P10 with BPI and free with Unionbank with PesoNet.

This feature is a lifesaver so you won’t need to redo this every payday to make sure you are putting money into your savings account and emergency fund. Automating this task so you can do this once and it can save you time in the future.

Here are the steps:

BPI Scheduled Transaction

1. Log in to your BPI account

How to Automate Bank Transfer in the Philippines - Life Guide PH

2. On the left side select other services.

How to Automate Bank Transfer in the Philippines - Life Guide PH 1

3. Under transactions, choose managed scheduled transactions and create scheduled transactions: transfer money.

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4. You will be shown three (6) fields that you need to fill out:

  • Transfer from: (select the account)
  • Transfer amount
  • Transfer to: (transfer to own or 3rd party)
  • Frequency: (one time, monthly, quarterly)
  • Start date:
  • Number of transfer
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NOTE: This is a real time fund transfer.

Unionbank Scheduled Transfer

  1. Log in to your Unionbank account
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2. On your dashboard tap to send money.

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3. Choose the type of bank and send money via PesoNet (cut off):

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4. You need to fill out:

  • Bank Name (choose from the list of banks available)
  • Bank Account Number (type-in your account number *not the card number*
  • Bank Account Name
  • Amount
  • Date
  • Repeat and Frequency: (daily, weekly, every 2 weeks, monthly, quarterly, semi-annually, annually)
  • End date: (never or select a particular date)
  • Purpose
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5. Tap on transfer

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NOTE: Unionbank offers free fund transfers and same day crediting before 3PM on banking days with Pesonet. Transactions done after 3PM or on weekends or holidays will be processed on the next banking day.

Categories
Legal Forms

Last Will and Testament

LAST WILL AND TESTAMENT

KNOW ALL MEN BY THESE PRESENTS:
 
I, (Name of testator), Filipino citizen, of legal age, single/married to (Name of spouse if any), born on the ____th of ______________, ____ , a resident of (Address), being of sound and disposing mind and memory, and not acting under undue influence or intimidation from anyone, do hereby declare and proclaim this instrument to be my Last Will and Testament, in English, the language which I am well conversant. And I hereby declare that:

I. I desire that should I die, it is my wish to be buried according to the rites of the Roman Catholic Church and interred at our family mausoleum in Manila;

II. To my beloved wife (Name of wife), I give and bequeath the following property to wit:_________________________ ;

III. To my esteemed children, __________________and _______________________   I give and bequeath the following properties to wit:_______________________________ in equal shares;
 
IV. To my dear brother, __________________________I give and bequeath the following properties to wit:_______________________________.

V. To my loyal assistant, __________________________I give and bequeath the following properties to wit:_______________________________.
 
VI. I hereby designate (Name of executor) the executor and administrator of this Last Will and Testament, and in his incapacity, I name and designate _____________________ as his substitute.

VII. I hereby direct that the executor and administrator of this Last Will and Testament or his substitute need not present any bond;

VIII. I hereby revoke, set aside and annul any and all of my other will or testamentary dispositions that I have made, executed, signed or published preceding this Last Will and Testament.

IN WITNESS WHEREOF, I have hereunto affixed my signature this ________ day of _____________, 20__, in ________________, Philippines.
 

_______________________________________       
(Signature of Testator over Printed Name)      

 
                            ATTESTATION CLAUSE
 
We, the undersigned attesting witnesses, do hereby affirm that the forgoing is the last Will and Testament of (Name of testator) and we certify that the testator executed this document while of sound mind and memory. That the testator signed this document in our presence, at the bottom of the last page and on the left hand margin of each and every page, and we, in turn, at the testator's behest have witnessed and signed the same in every page thereof, on the left margin, in the presence of the testator and of the notary public, this _____ day of __________, 20__ at____________.
 

__________________________             ___________________________
Signature of Witness                            Address                          

__________________________            ____________________________
Signature of Witness                            Address                          

__________________________            ____________________________
Signature of Witness                            Address                          
 

                           
                         JOINT ACKNOWLEDGMENT
 

BEFORE ME, Notary Public for and in the city of ________________, personally appeared:

 
The testator ________, with CTC No. _______issued at ________ on ____________;

Witness, __________, with CTC No. ______ issued at ________ on ____________;

Witness, __________, with CTC No. ______ issued at ________ on ____________;
 
Witness, __________, with CTC No. ______ issued at ________ on ____________;
 

All known to me to be the same persons who executed the foregoing Will, the first as testator and the last three as instrumental witnesses, and they respectively acknowledged to me that the same as their own free act and deed.

This Last Will and Testament consists of __ page/s, including the page on which this acknowledgment is written, and has been signed on the left margin of each and every page thereof by the testator and his witnesses, and sealed with my notarial seal.

IN WITNESS WHEREOF, I have hereunto set my hand the day, year, and place above written.
 
                                                    Notary Public                 
 
Doc. No. _____;
Page No._____;
Book No._____;
Series of 20__.
 

Categories
Legal Forms

Chattel Mortgage

CHATTEL MORTGAGE

KNOW ALL MEN BY THESE PRESENTS:

    I, (Name of Mortgagor) of legal age, single/married to _________________ with postal address at ____________________ hereinafter known as the MORTGAGOR, and ____________________________of legal age, single/married to ______________________ with postal address at _______________________________ hereinafter known as the MORTGAGEE, witnesseth:

         That the MORTGAGOR is indebted unto the MORTGAGEE in the sum of (Amount in Words) (000,000.00),  Philippine Currency, receipt of which is acknowledged by the MORTGAGOR upon the signing of this instrument, payable within a period of _____ years, with interest thereon at the rate of (___) % per annum;
        
         That for, and consideration of , this indebtedness, and to assure the performance of said obligation to pay, the MORTGAGOR hereby conveys by way of CHATTEL MORTGAGE unto the MORTGAGEE, his heirs and assigns, the following personality now in the possession of said MORTGAGOR

MAKE             :	 MOTOR NO.              :
SERIES           : 	 SERIAL/CHASSIS NO.     :
TYPE OF BODY     :	 PLATE NO.              :
YEAR MODEL       :	 FILE NO.               :
 	 
 
    That the condition of this obligation is that should the MORTGAGOR perform the obligation to pay the hereinabove cited indebtedness of (Amount in Words) (000,000.00) together with accrued interest thereon, this chattel mortgage shall at once become null and void and of no effect whatsoever, otherwise, it shall remain in full force and effect.
IN WITNESS WHEREOF, the parties have hereunto set their hands, this ____day of ____________ 20___ at ____ Philippines.
 
      _________________________      _________________________
               MORTGAGOR                      MORTGAGEE
 
                           IN THE PRESENCE OF:
  ____________________________     ___________________________


                              ACKNOWLEDGEMENT

 
Republic of the Philippines)
 ________________________ ) S.S

BEFORE ME, personally appeared:

          Name              CTC Number       Date/Place Issued

   (Name of Mortgagor)      0000000      March 3, __ / Lipa City
   (Name of Mortgagee)      0000000      March 21, __ / Lipa 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___.