Handy How-To's

Consider all of the sensitive personal information about yourself that Facebook has. It may include your name, street address, email address, phone number, credit card information, and birthday. In addition, your profession, lifestyle, social status, political opinions and circle of friends are also evident through the pictures and stories that you and your friends have posted on your Facebook timeline. All of that can be used by criminals to hijack your identity, steal your property, ruin your credit and smear your reputation. But that’s not all. If your Facebook account gets hacked, your friends will also be vulnerable to attack. Clearly, with so much at stake, you should take every possible measure to prevent criminals from hacking into your account. Fortunately, a security technique called Two-Factor Authentication is available in Facebook. With Two Factor Authentication, logging on to your Facebook account will require you to enter your username and password, as usual, plus a s

Transferring the ownership of a motor vehicle was a frustrating experience for me. This was because I was not thoroughly familiar with the requirements and the process. I would like to share how I should have done it so that other first-timers will have a more streamlined and pleasant experience. The procedure described below applies to the case where a privately owned motor vehicle is sold by its owner to a buyer. If your case is different, please look for the applicable procedure on web site of the Land Transportation Office: http://www.lto.gov.ph/motor-vehicle-registration/307-transactions-requiring-change-of-certificate-of-registration.html If the seller has just completed all of his mortgage payments, the car needs to be released from its chattel mortgage before it can be sold. Please read this article: What to Do Next After Paying Off Your Car Loan . Let’s begin with some preliminary notes: a) The seller should take the lead in this process. He should see to it that

Congratulations! You have just made the final payment on your car’s mortgage. But don’t relax just yet because the record needs to be set straight at the Registry of Deeds (RD) and at the Land Transportation Office (LTO). Your mortgagee may or may not handle the records updating for you. In case you have to do it yourself, here’s how. Why bother at all? One good reason is that without updated records you won’t be able to legally sell your car. And, just as importantly, don’t you want to be the official owner of your car? Your first objective is to obtain a Release of Chattel Mortgage, duly stamped “Received” by the RD. This is one of the documents you need for your transaction with the LTO. Here are the steps involved: 1. Claim the following from the mortgagee: a. Release of Chattel Mortgage and Promissory Note b. Your car’s original LTO Certificate of Registration (CR) c. Your car’s original LTO Official Receipt (OR) 2. At the branch office of the Registry of Deeds whe