LBC Remittance

Money Remittance

One of the pioneers in the field, LBC is continuously innovating ways to send and receive remittances anytime, anywhere in the Philippines.  To date, LBC’s Remittance Service remains to be the safest in the country.

Instant Branch Pick-up 
Your remittance received instantly through pick-up at any LBC branch in the Philippines.  Choose from over 900 branches strategically located all over the country.

Send and Swipe CardChange the way you remit with LBC Send and Swipe Card!  Receive remittances directly from your loved ones or reload instantly from any of our LBC branches nationwide.  Powered by VISA, you can even shop and withdraw from 1.8M VISA ATMs worldwide including 9,000 BancNet, Megalink and Expressnet networks nationwide, 24/7!   Receive your remittances anywhere, anytime!

Door-to-Door DeliveryYour money delivered anywhere in the country through our flexible options of 24-hr or 48-hr delivery to fit your budget!  Let your loved ones enjoy the convenience of receiving your money at home.

Paypal How to's

What is PayPal?

PayPal provides a way to send money to anyone in the world who has an email address.

But, first you have to register your details (including Credit Card details) with PayPal. As part of this process you decide on a password so that you are the only one who can access your PayPal account.

All this information which is sent to PayPal is sent securely (ie all the data is encrypted) so that even if intercepted by anyone while passing across the Internet, the information cannot be extracted. Only PayPal can decipher the data.

(PayPal uses "SSL security" which is the industry standard way to send sensitive information in a highly encrypted form across the Internet. Virtually all on-line stores and banks use this same system.)

The advantage for the seller (me in this case) is that I don’t have to set up a "Credit Card Payment Gateway" with a bank to be able to accept Credit Card payments. Such a set-up with a bank is not economical for such a moderate volume of transactions.

The advantages for the buyer (you) are:

• ease of payment via Credit Card
• ability to pay in your local currency without paying any bank fees (bank charges for International bank drafts, or currency conversion fees)
• you pay no fees to PayPal
• no postage costs or postal delivery delays when sending your order and payment to me
• you have a record of your payment

Are there any risks that my details or password will be revealed to 3rd parties?

Because of the encryption used, the main security risks are not to the information while in transit across the Internet, but at either end of the transaction.

At the PayPal end it is possible that a criminal insider could obtain access to your information. Their internal security system is designed to greatly minimise this risk. The risk is much less than if you were to physically use your Credit Card in an actual store to buy goods. An employee could record your Credit Card details.

At your end, the 2 main risks are:

• Firstly: that you reveal your password to someone (eg by writing it down and keeping it in a place that is insecure such as on your work desk, or in your wallet, or on a note attached to your computer).
• Secondly, that you reveal your password to a fake PayPal site. This scam is known as phishing. The way it works is that you receive an email pretending to be from PayPal asking you to log-in to your PayPal account to update your details, or to check possible suspicious activity on your account, or because of a software upgrade, or some similar statement. The email provides a link for you to go directly to a website pretending to be the PayPal site. This site is set up to be identical in appearance to the 'real' PayPal site. If you enter your password on this fake site then the criminals behind it can access your account (as you have just given them your password!) and send money to accounts they control. For more details on phishing see here. This type of scam is now so common that many people have now received them. Forward any PayPal one to spoof@paypal.com

Remember: NEVER EVER click on a link in an email to go to PayPal or to a bank website - it is very easy to place a fake 'from' address in an email, and it is easy to redirect you to a fake site, even if the name of the link in the email looks correct.

I have never used PayPal before, how do I register with PayPal?

Follow the following steps:

Step 1. Go to the PayPal home page at: http://www.paypal.com and click on the "Sign Up Now" link.

Step 2.You will be taken to the initial sign up page. Note that you are now on a page that has been sent to you securely (ie encrypted) . The 2 signs of this are, firstly the "padlock icon" which appears in the bottom right hand side of your browser window:

and secondly, that the website address has changed to use the https protocol (note the extra ‘s’) instead of the usual http protocol. The ‘s’ is highlighted in yellow in this diagram:

[TECHNICAL NOTE: The above 2 signs really only indicate that the sign-up page has been sent to you securely, not that your submitted information will be sent back securely. To send your information securely, the form on the page needs to send the information to a page which uses the https protocol. This is indeed what PayPal does as indicated in the source code for the page in the "action attribute". Note the use of https in the code snippet below (indicated by red arrow).]

Step 3: Now, you will only need a personal account, so make sure the "Personal Account" option is selected (see figure) then click on the Continue button:

Step 4: You are now on the page with the form which you complete and submit (see diagram below). From this point on just follow the prompts on the PayPal page. After signing up you will only have "unconfirmed status" which will limit the maximum amount of money that you can send. The price of the "Physiology Viva" book is less than the limit so this will not cause a delay or problem for you at all.

NOTE: There are no additional charges to you from PayPal as you are paying in your local currency (eg UK pounds) so there are no currency conversion fees for you, and there are no transaction fees payable by you. There may be the ‘usual’ Credit Card fees which your credit card provider may charge (eg credit card interest if you don’t pay on time), but there are no fees that PayPal charges you.

Now, I’ve signed up with PayPal, how do I send an order and payment to you for the book?

Step 1: On the PayPal home page, just fill-in your email address & password in the member’s log-in section, and click the Log-in Button:

[TECHNICAL NOTE: You will notice that this home page has a http:// address indicating it was sent to you without encryption. However, if you view the source code, and find the action attribute, you will notice that your email address & password will be sent to PayPal using https:// - so it will be sent encrypted.]

Step 2: On this secure page, fill in the relevant details: my email address, the amount of money, select the correct currency (Pounds Sterling for UK, or Euro for Republic of Ireland, US Dollars for USA).

• Double-check that the email address is correct
• Add explanatory comments or further address information etc in the comments section
 
Click the Continue button and just follow PayPal instructions.
After your payment is received by me, I usually respond to you to confirm receipt of your order and payment. Many people also send me a separate email to indicate they have sent a PayPal order.

What is Paypal and How does it work

PayPal is an online account that allows you to receive and send money electronically with your bank account and credit cards. It is owned by eBay, and is used mainly for buying and selling through auctions.

When using a personal PayPal account, simply link your PayPal account to your bank account (either savings or checking). When you make a purchase that allows you to pay with PayPal, enter your log-in information to sign into PayPal and then click "Buy." PayPal will automatically transfer the money out of your linked account and to the seller.

You register your bank/checking account details (and can also register your credit/debit card details) with PayPal. This enables PayPal to take money from your bank or card and then transfer that money to anyone that you might buy something from.

In this way, the seller has no access to your financial details.

You can also use your PayPal account to transfer funds to a friend or family member.

It costs nothing to send/spend money using PayPal.

It costs nothing to receive money into a personal account, as long as the funds are sourced from a PayPal balance or a bank account. There is a charge if the payment is card-funded.

If you have a Premier or Business PayPal account, you are charged a fee on every payment that you receive.

Charges can be found on your local PayPal site by searching in the help section.

Go to Paypal.com -- you will need a checking account -- and enter your information. PayPal will then deposit a small amount (under $1) into your checking account. Once you have verified with your bank the deposit from PayPal, then go to Paypal.com and there will be a message for you to confirm that you received the deposit.

It's an online payment solution. The service allows anyone to pay in any way they prefer, including through credit cards, bank accounts, buyer credit or account balances, without sharing financial information. PayPal enables global e-commerce by making payments possible across different locations, currencies, and languages.

Go to the main PayPal site, www.paypal.com, and click on the "sign up" button that you see on the homepage.

On the following page, from the drop-down options select your country and then select the account type that you want to open. A "Personal" account is most suitable if you only want to use the account for buying, while a "Premier" account is best if you want to both buy and sell online.

Next you need to enter your email address, choose a password and enter your name, address, and phone details, read the terms and then click on the "agree and create account" button.

Once you've opened your account, you can add your bank account and/or credit card details.

What kind of files can be send to Kindle

Images that are of type JPEGs (.jpg), GIFs (.gif), Bitmaps (.bmp), and PNG images (.png).
Adobe PDF (.pdf) documents are delivered without conversion to Kindle DX, Second Generation and Latest Generation Kindles.

Adobe PDF (.pdf) can be converted to Kindle format and delivered on an experimental basis.

If the document that failed belonged to one of the above document types, please ensure the document is not password protected or encrypted. Note that the Latest Generation Kindles support password protected PDFs.

Helpful tips for personal document attachments:

• The file size of each attached personal document should be less than 50MB (before compression in a ZIP file)
• The email submitted should not contain more than 25 attached personal documents

You can learn more about transferring personal documents to your Kindle in our help pages:
http://www.amazon.com/kindlepersonaldocuments/

If you would like immediate assistance, please contact customer support at +1-866-321-8851 (US customers) or +1-206-266-0927 (International Customers).

Sincerely,
Amazon Kindle Support


Learn more about Amazon Kindle
Check out the Kindle Store

If you have further questions about Kindle, please visit the Amazon Kindle Help pages
The Help pages will provide you with answers to common questions and provide you with a direct link to Amazon Kindle specialists.
To contact Amazon Kindle Customer Service, simply click a button in the Contact Us box on the Help pages to receive assistance by e-mail or phone.

How to Send Documents to Your Amazon Kindle

The Amazon Kindle, and e-readers in general, is changing how the world reads books. With its portable size and design along with its easy-on-the-eyes screen, the Kindle is also ideal for reading long business and personal documents and PDF files. Whether you need to carefully read a contract before signing it, have a huge report to read, have a recipe you want to try, or have invested in an eBook in PDF format, sending your files to the Amazon Kindle is as easy as sending an email message.

Find Your Amazon Kindle Email Address 
First, you´ll need to find out what your Amazon Kindle email address is. When you register your Kindle with Amazon, Amazon automatically assigns you a username@kindle.com email address. You can find your Kindle email address on your Kindle by going to Home > Menu > Settings > Device Email. Note: You may need to use the next page button to scroll down to the Device Email section. 

The Difference between @Kindle and @Free.Kindle Email Addresses 
Before you send yourself a document to your newly discovered Kindle email address, it´s important to be aware of the fees involved. When you send a document to your Kindle email address, Amazon will charge you a small fee of $.15 (20p) per megabyte for the service when the Kindle is located in the United States and $.99 per megabyte when the Kindle is out of the country. To avoid this fee, use Kindle´s free service by sending the document to username@free.kindle.com.
So, why would anyone use the paid service when you can get your documents delivered to your Kindle wirelessly for free? The free service works when you have Wi-Fi access. If your Kindle is connected to a 3G network and you do not have access to a Wi-Fi access, then the free service will not work. In this situation, you´ll need to use the standard Amazon Kindle email address and pay the fee. Alternately, you could connect your Kindle to your computer using the USB cable and manually transfer the files. 

Add Your Free Kindle Email Address to Your Contact List 
Adding your free Kindle email address to your contact list is easy and convenient. Name your contact "Free Kindle" or something memorable and then use it whenever you want to read a long document from the comfort of your Kindle. 

Allowing Others to Send Documents to Your Amazon Kindle Email Address 
While you could have your colleagues send documents to your standard email address and then forward the messages to your Kindle email address, it may make sense to have your colleagues email the documents directly to your Kindle. Before you give out your Kindle email address, you must first add individuals to your Kindle´s approved email list. Do this from the "Manage Your Kindle" section of the Amazon website. Once you´ve added your colleagues as approved senders, give them your free Kindle email address and instruct them to send long documents directly to your Kindle. 

Types of Documents to Send to Your Amazon Kindle Email Address 
The Amazon Kindle supports Microsoft Word documents and PDF files as well as several image types. You can even combine files into a compressed ZIP file before sending them to your Kindle. Send documents, PDFs, and photos to your Kindle and enjoy reading computer content away from your computer monitor. 

Once you´re comfortable sending documents to your Amazon Kindle email account, you´ll soon see the possibilities. Before long, you´ll be emailing documents of all types including: business reports, manuscripts, instruction manuals, training materials, recipes, photos, calendars, and more. If you find your Kindle overwhelmed with reports, manuscripts, recipes, and images, group your documents into collections just as you do with your Amazon Kindle books.

How to set google for your default search engine on iPad.

1 Click the settings icon on your ipad. 2 "General Settings" should be displayed at first.Tap the "Safari" option on the left hand menu. 3 Tap the "Google" option at the top of the list. 4 Tap "Home" button on the iPad to return to the desktop. 5 This task should now be complete. If not, review and repeat the steps as needed. Submit any questions using the section at the bottom of this page.

Gcash- how to's

GLOBE GCASH allows any Globe or TM (Touch Mobile) user to send and receive money, buy prepaid load, pay bills, and do a lot of other money-related transactions, anytime, anywhere using SMS.

Globe’s flagship M-Commerce service, was born from a simple goal of transforming a mobile phone into a wallet. With its launch in October 2004, GCASH has effectively given Globe and TM subscribers access to a cashless and cardless method of facilitating money remittance, donations, loan settlement, disbursement of salaries or commissions, and payment of bills, products and services, with just a text message. GCash won the “Best Mobile Messaging Service” in the 2005 GSM Awards.

To register for GCASH, type

REG <4-digit PIN/mother’s maiden name/first name/last name/address> to 2882

Make sure that your First Name and Last Name match the information that appears in any valid ID of yours. This is important for future GCASH transactions.

After you’ve registered, you will need to load your mobile wallet with GCASH. This is done via a cash-in transaction which is the process of converting your cash to GCASH at a Globe Center or at any accredited GCASH partner. (Most 7-Eleven branches are accredited Gcash outlets)

To send GCASH, type

AMOUNT <4-digit PIN> and send to 2882+10 digit cellphone number of the recipient

Sample GCASH confirmation message received by sender:

You have sent 2,950.00 GCASH to Carol Sinel 09178569645 on 7/23/2008 12:31 PM. Your new balance is 2,050.00. Ref. no. 294087757.

Sample GCASH confirmation message received by the?recipient:

You have received 2,950.00 GCASH from Carol Sinel 09178569645. Your new balance is 7,950.00. Ref. No. 294087757.

To buy load using GCASH, type

LOAD <amount> <4-digit PIN> and send to 2882, if you’re loading your self.

If you are loading for someone else, send to 2882+10 digit cellphone number of the recipient.

To pay bills using GCASH, type

BILLPAY <amount> <4-digit PIN> <institution code> <account reference number> and send to 2882

For list of institution codes, click here.

For list of institution codes, click here?(new link)

To use GCASH to pay at SM Malls, type

PAY SM <store code cashier> <amount to be paid> and send to 2318.

The store code is unique to each cashier.

To donate to charitable institutions using GCASH, type

DONATE <amount> <4-digit PIN> <institution code> and send to 2882.

For a list of charitable institution codes, click here.

To check your balance, type

BAL <4-digit PIN> and send to 2882

To check last transaction, type

TXN <4-digit PIN> and send to 2882

To change 4-digit PIN, type

CHG <old 4-digit PIN> <new 4-digit PIN> and send to 2882

To suspend account, type

SUS <4-digit PIN> and send to 2882

To re-activate account, type

ACT <4-digit PIN> and send to 2882

Converting your GCASH to cash is called a cash out transaction. It is done at a Globe Center or at anyaccredited GCASH partner. GCASH has a maximum transaction limit of P40,000 per day and a maximum transaction limit of P100,000 per month (both for incoming and outgoing transactions). This is to comply with the Anti-Money Laundering Act.