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Monday, February 29, 2016

SWEDISH: STRANDED AT NAIA AFTER THEFT AT BORACAY, AND TAXI DRIVER TOOK HIS MONEY AND BAGGAGE AND PASSPORT

He is Tomas Anshelm, a swedish national, living at the arrival section of NAIA for a week now because he has no money and no passport to go home.



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  He lost money when he travelled to Boracay and while travelling to Swedish Embassy in Manila, a taxi driver took him money as well as his bag with his passport in it. 
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Despite of what happened, the Swedish still is grateful for the kindness of the Filipino's helping him. 
"It's amazing how helpful and generous and kind people are here. People I've known for five minutes ask me if I've had dinner." 

LINK OF SOURCE ©2016 THOUGHTSKOTO

Sunday, February 28, 2016

IMPORTANT! OFWS in SAUDI ARABIA: EMBASSY DATABASE REGISTRATION

The Philippine Embassy in Saudi Arabia is urging all overseas Filipinos based in Saudi Arabia to register at the Embassy website to have a detailed info of OFWs in cases of emergencies, outbreak and other important notices.
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"The Philippine Embassy in Riyadh urges all Filipinos in Saudi Arabia (and Yemen) to register with the Embassy through the Embassy website (www.philembassy-riyadh.org).
For those in Saudi Arabia, they should click on the flag of Saudi Arabia to enter to the Saudi Arabia specific module.
The Embassy’s campaign is part of its efforts to implement Section 20 of Republic Act 8042 and Section 13 of Republic Act 10022. The information is important for submission to Congress and during emergency situations, and will allow the Embassy to contact Filipinos regarding updates on services and advisories on matters important to Filipinos in Saudi Arabia.
The Embassy assures the public that the information submitted is saved on the Embassy’s server, and will not be shared with non-government agencies."
-End of Advisory

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This how it look like in Mobile/Smartphone

I tried to register and we invite all OFWs especially the Kasambahay and HSW's and those working in the establishments to fill the form for our safety and protection as well.

These are the info's you need as required:
Name
Job/Occupation
Birthdate
Address in Saudi Arabia/Yemen
Passport Number
Passport Date of Issue
Passport Date of Expiry
Region and City
Contact Details (Phone and Email Address)
Employer Name
Employer Contact Number
Relative Name in the Philippines
Relative Mobile Number in the Philippines
Relative Email Address

After you successfully register, you will received the following message
******************

Thank you very much!

You are now included in the list of registered Filipinos in the Kingdom of Saudi Arabia.
Expect to receive an email confirming your registration with links to edit and delete your registration.
For further inquiries, you may contact us at:

Philippine Embassy in Riyadh

Address:
Diplomatic Quarter, Ummayah Abu As-Salat Street
P.O. Box 94366, Riyadh 11693
Fax: (96611) 488-3945
Tel.: (96611) 482-3559, 482-0507, 482-1577
Email: rype@riyadhpe.com or riyadh.mis@dfa.gov.ph
 or 

Philippine Consulate General in Jeddah

Address:
Um Al-Qurra Street in Al-Rehab District
P.O. Box 4794, Jeddah 21412
Fax: (96612) 669-6797
Tel.: (96612) 669-6303, 667-0925
Email: pc.jeddah@gmail.com

You will also receive an email like this.
*****
Dear Juan Dela Cruz (RIY01733422),
Thank you for registering.
We also encourage you to register your dependents living in the Kingdom of Saudi Arabia.
Click this link to modify/view your registration:  Edit Record ID - RIY01733422
Click this link to delete your registration:  Delete Record ID - RIY01733422
***Important: Please save this email as this contains links to modify/view and delete your registration.***
This confirms your registration in the database of the Philippine Embassy in Riyadh.

2016 UPDATE
Ambassador Tago reiterated that OFWs in Saudi Arabia are encouraged to have their names listed at the Embassy Database, not about wars or rumors of wars but for personal database of the Embassy and Consulate.

WATCH AMBA TAGO VIDEO HERE
©2014 THOUGHTSKOTO 
Updated (2016)


PHILIPPINES AMBASSADOR TO SAUDI: REPORT IF YOUR EMPLOYER REFUSED TO GIVE YOUR PASSPORT

Philippine Ambassador to Saudi Arabia Ezzedin Tago reminds OFWS of their rights to keep their passport.
WATCH THE VIDEO 
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He advised everyone to contact the Consulate and Embassy in case their employers refused to give their passport.






 He also said that employers should be cautious in following this Saudi law because the penalty was raised from SR2,000 to SR20,000.
READ IT HERE, THE EXPERT'S COMMENTS, NEWS EXCERPTS AND LAWS EXPLAINING THAT IT IS THE RIGHT OF THE EMPLOYEES TO HOLD THEIR PASSPORT 
 
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Para Sa mga OFW na Hindi ibigay ang kanilang Pasaporte ng Employer... Ayon Kay Ambassador Tago, itinaas na ang fine para Sa mga Kumpanyang Hindi sumusunod, Kung dati 2,000 SR itinaas na po Ito 20,000 SR Ayon daw po Ito sa ministry of labor, ang mga kumpanyang Hindi sumusunod Itawag at mag email sa ating embahada...Hinihikayat din Nya ang Lahat ng Pilipino sa Saudi Arabia na mag register sa Philippine Embassy Website...
Posted by Balitang OFW's on Saturday, February 27, 2016
©2016 THOUGHTSKOTO

Warning: Fundraising In Saudi Without Official License Could Land You In Jail And Face Deportation


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This serves as warning to anyone involve in doing fundraising activity in the Kingdom. According to the source: "Indulging in charity work or fundraising activity in the Kingdom without license or official permission will invite various penalties, jail terms and deportation as per the Kingdom’s law."
Whoever is caught collecting donations or doing fundraising without official license shall be subject to jail sentence of 6 months to 2 years and deportation for foreigners after serving their jail sentence.
According to Article 18, individuals who raise funds or collect donations without official licenses and approvals are punishable with a jail sentence of between six months and two years, while non-Saudis will be deported upon completion of the sentence.

In addition, although an entity or charitable organization has permit and license to conduct fundraising, they are not allowed to receive donation from non-Saudi whether they are in the Kingdom or in other countries (subject to some exceptions). 
As per Article 8, licensed parties may not receive donations from non-Saudi people or entities inside or outside the Kingdom except as per the specified controls under the regulations.
©2016 THOUGHTSKOTO

Friday, February 26, 2016

You Can Loan For Education and Tuition Needs, Home Renovation and More Through Pag-Ibig Multi-Purpose Loan


Monthly Contributions5 Years10 Years
Php 500.0034,484.1779,553.59
1,000.0068,968.33159,107.18
1,500.00103,452.50238,660.78
2,000137,936.66318,214.37
3,000206,905.00477,321.56
4,000.00275,873.32636,428.74
5,000.00344,841.65795,535.92

1. What is the Multi-Purpose Loan? 

The Multi-Purpose Loan (MPL) is a cash loan under Pag-IBIG’s short-term loan program that aims to provide financial assistance to qualified members for: 


• House Repair 
• Minor Home Improvement 
• Home Enhancement 
• Tuition/ Educational Expenses -Pag-Ibig members can avail up to 80% of the             total contribution in Pag-Ibig for Education Loan. 
To know the total amount of Pag-Ibig contribution. To know the total amount of your contribution or savings you may call the PAg-Ibig hotline:  724-42-44. 
• Health and Wellness 
• Livelihood 
• Other purposes


2. Who are eligible? 
The loan is open to any Pag-IBIG member who: 
• Has made at least 24 monthly mandatory savings (MS) 
• Has 5 MS for the last 6 months prior to date of loan application 
• If with an existing Housing Loan and/or MPL and/or Calamity Loan, the account/s must not be in default prior to loan application

3. How much can one borrow? 
The borrower’s loan value shall be a percentage of his Total Accumulated Value (TAV), to wit: 
No. of monthly savings Loan Value 
24 – 59 months- Up to 60% of Total Accumulated Value (TAV) 
60 – 119 months - Up to 70% of TAV 
At least 120 months - Up to 80% of TAV

However, an eligible borrower’s loan shall be limited to an amount for which statutory deductions, monthly repayment of principal and interest, and other obligations will render the borrower’s net take home pay to fall below the minimum requirement as prescribed by the General Appropriations Act (GAA) or company policy, whichever is applicable.

4. How much is the interest rate? 
The loan shall bear a nominal interest rate of 10.75% per annum, paid equally for the duration of the loan. 

5. What is the repayment period? 
The loan shall be repaid over a maximum period of twenty-four (24) months, with a grace period of two (2) months. Payments must be remitted to Pag-IBIG on or before the 15th day of each month starting on the 3rd month following the date on the DV/Check.

Watch the video below to know the requirements and how you can apply for loan:





More info here

©2015 THOUGHTSKOTO

OFWs Can Avail Multi-Purpose Loan Under Pag-Ibig


Monthly Contributions5 Years10 Years
Php 500.0034,484.1779,553.59
1,000.0068,968.33159,107.18
1,500.00103,452.50238,660.78
2,000137,936.66318,214.37
3,000206,905.00477,321.56
4,000.00275,873.32636,428.74
5,000.00344,841.65795,535.92

1. What is the Multi-Purpose Loan? 

The Multi-Purpose Loan (MPL) is a cash loan under Pag-IBIG’s short-term loan program that aims to provide financial assistance to qualified members for: 



• House Repair 
• Minor Home Improvement 
• Home Enhancement 
• Tuition/ Educational Expenses -Pag-Ibig members can avail up to 80% of the             total contribution in Pag-Ibig for Education Loan. 
To know the total amount of Pag-Ibig contribution. To know the total amount of your contribution or savings you may call the PAg-Ibig hotline:  724-42-44. 
• Health and Wellness 
• Livelihood 
• Other purposes

2. Who are eligible? 
The loan is open to any Pag-IBIG member who: 
• Has made at least 24 monthly mandatory savings (MS) 
• Has 5 MS for the last 6 months prior to date of loan application 
• If with an existing Housing Loan and/or MPL and/or Calamity Loan, the account/s must not be in default prior to loan application

3. How much can one borrow? 
The borrower’s loan value shall be a percentage of his Total Accumulated Value (TAV), to wit: 
No. of monthly savings Loan Value 
24 – 59 months- Up to 60% of Total Accumulated Value (TAV) 
60 – 119 months - Up to 70% of TAV 
At least 120 months - Up to 80% of TAV

However, an eligible borrower’s loan shall be limited to an amount for which statutory deductions, monthly repayment of principal and interest, and other obligations will render the borrower’s net take home pay to fall below the minimum requirement as prescribed by the General Appropriations Act (GAA) or company policy, whichever is applicable.

4. How much is the interest rate? 
The loan shall bear a nominal interest rate of 10.75% per annum, paid equally for the duration of the loan. 

5. What is the repayment period? 
The loan shall be repaid over a maximum period of twenty-four (24) months, with a grace period of two (2) months. Payments must be remitted to Pag-IBIG on or before the 15th day of each month starting on the 3rd month following the date on the DV/Check.

Watch the video below to know the requirements and how you can apply for loan:





More info here

©2015 THOUGHTSKOTO

Thursday, February 25, 2016

WARNING UAE EXPATS! DON'T TAKE OR POST PHOTOS WITHOUT PERMISSION!

Posting other people's photos on social media networks like facebook, Snapchat or Twitter without permission from the original owner or model could land someone to jail for 6 months or pay for as much as half a million dirhams (dH500,000)  or P6.5Millions ($138K) under the United Arab Emirates IT or Cybercrime law.  According to report, a dubai police officer admitted that many social media users in the UAE are not aware of that law.
"Some people do not know that if they photograph a person and post the picture on social networks or other electronic devices, it becomes a punishable crime according to the UAE law. This crime involves a jail term of six months and 
a fine of Dh150,000-500,000. ($41K to $138K). 
We need the public to know that this is a big crime in the UAE because some people do it for fun without knowing they will be prosecuted." 
- Major General Mohammed Al Shareef, Assistant Police Commander for Administration



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"They should control their children because letting them have their own social network account could make them easy prey to blackmail and other crime." 
- Mohammed Abdullah, Director, Decision Support Centre, Dubai Police.

UAE have had several cases of social media reported prosecution that involves even expats and foreigners. 

See also:

©2016 THOUGHTSKOTO

IT'S FINAL, UAE and GCC To Implement 5% VAT BY 2018


The Gulf Cooperation Council or GCC through Obaid Humaid Al Tayer, Minister of State for Financial Affairs, confirmed that value added tax or VAT of 5% will be implemented in the GCC countries. 
He said: “The implementation as per the GCC Supreme Council resolution will be implemented as of January 1 2018, and other countries can take a later date of implementation on January 1, 2019."
In the announcement he added, “There’s a span of one year flexibility given the readiness of each country."

UAE implementing the VAT on January 1st 2018 while other GCC countries have the option to implement this on January 2019 depending on how ready they are. 

The UAE will impose 5% Value Added Tax while exempting 100 food items, (probably lists will be release by June 2016) including exemption in healthcare and education.

Wednesday, February 24, 2016

WARNING: IF YOU ARE EATING OR BUYING ONE OF THESE CHOCOLATES!


According to Mars, Incorporated advisory below, they are recalling the products, the chocolates were sold in mostly European countries like Belgium, Spain, Germany, France and Britain, and in certain countries in Asia like Vietnam and Sri Lanka. Mars Gulf, has recalled a selection of its products from UAE, Kuwait, Qatar, Bahrain and Oman markets. A press statement issued on Wednesday by Mars Saudi said that the company has decided to take a precautionary recall of a selection of Snickers® (Minis and Miniatures), Mars® (Minis and Miniatures)  and Best of Our Minis® products produced in the Netherlands after finding a piece of red plastic in a Snickers® bar purchased in Germany.The recall was announced after a customer found a red piece of plastic in a Snickers bar in Germany.
"After a small piece of red plastic was found in one SNICKERS® bar purchased in Germany, Mars has made a precautionary decision to voluntarily recall a selection of SNICKERS®, 


MARS®


MILKY WAY® and 


CELEBRATIONS® 


products produced in our Netherlands factory.

We believe this is an isolated incident.

The recall concerns only specific products that were manufactured at the Netherlands facility during a limited production period, December 5, 2015 - January 18, 2016.



While the number of Mars products affected is limited, they have been shipped to numerous countries outside the Netherlands, including some duty free retailers.
As a precaution, the product recall is being implemented in all markets served by our Netherlands facility.
Only certain products labeled on pack as “Mars Netherlands” are affected by this recall. Mars Netherlands exports to a number of countries and some duty-free outlets, so the easiest way for consumers to determine whether they have a product that has been recalled is to look at the label. If it is not labeled “Mars Netherlands,” it is not included in the recall.

If you have questions about the recall, please contact your local Mars Consumer Care representative."



©2016 THOUGHTSKOTO

HOW MUCH WILL YOU SAVE IN YOUR MEDICAL BILLS WITH PHILHEALTH BENEFIT PACKAGES?


Philippine Health Insurance Benefit Packages, HOW MUCH YOU WILL SAVE? - The Insurance Benefits called Case Payment Rates, see the table and watch the videos below to know more about your insurance and benefits.

YOUR P2,400 PAYMENT YEARLY, OR YOUR FAMILY MEMBER'S P2,400 PUBLIC INSURANCE COVERAGE SYSTEM, WHAT ARE THE BENEFITS? Check out below.


Watch the video below for more about this info: 

Below contains the lists of insurance benefit packages under the case payment scheme, that are available to all active Philippine Health Insurance members. For OFW's with their dependents, although I suggest if you have extra cash, you can buy them their own insurance, if they are not working or they have no Philhealth membership.


Name of Benefit Package

Maternity Care Package (MCP)
6,500.00

Normal Spontaneous Delivery (NSD) Package
6,500.00

TB-DOTS Package
4,000.00

SARS Package
50,000 - 100,000

Avian Influenza Package
50,000 - 100,000

New Born Care Package (NCP)
1,000.00

Bilateral Tubal Ligation (BTL) Package
4,000.00

Vasectomy Package
4,000.00

Malaria Package
600.00

Influenza A (H1N1) Package
75,000 - 100,000

NSD with BLT Package
10,500.00

Outpatient HIV / AIDS Treatment Package
30,000.00

Dengue I (dengue fever and DHF Grades I and II)*
8,000.00

Dengue II (dengue hermorrhagic fever grades III and IV)*
16,000.00

Pneumonia I (moderate risk)*
15,000.00

Pneumonia II (high risk)*
32,000.00

Essential Hypertension*
9,000.00

Cerebral Infarction (CVA I)*
28,000.00

Cerebro - vascular Accident with Hemorrhage (CVA II)*
38,000.00

Acute Gastroenteritis (AGE)*
6,000.00

Typhoid Fever*
14,000.00

Asthma*
9,000.00

Cesarian Section (CS)*
19,000.00

Dilatation and Curettage (D&C)*
11,000.00

Hysterectomy*
30,000.00

Mastectomy*
22,000.00

Appendectomy*
24,000.00

Cholecystectomy*
31,000.00

Herniorrhaphy*
21,000.00

Thyroidectomy*
31,000.00

Radiotherapy*
3,000.00

Hemodialysis*
4,000.00

Cataract Package*
16,000.00

* Means that Philhealth will pay the health care facility directly inclusive of doctors fee or professional fee, therefore, this is directly deducted to the bill of the eligible PhilHealth member. 

There are other private health insurance available and that will be posted later.


Inpatient Benefits
These benefits are paid to the accredited Health Care Institution (HCI) through All Case Rates

The case rate amount shall be deducted by the HCI from the member’s total bill, which shall include professional fees of attending physicians, prior to discharge
The case rate amount is inclusive of hospital charges and professional fees of attending physician
Availment condition: Member must have at least three (3) months’ premium contributions within the immediate six (6) months prior to the month of availment
Documents needed: copy of Member Data Record or PhilHealth Benefit Eligibility Form (PBEF) and duly accomplished PhilHealth Claim Form 1
Where available: all accredited HCIs*
*Different case rate amounts for selected medical conditions are being implemented when done in Primary Care facilities (PhilHealth Circular 14, s-2013)
Only admissible cases shall be reimbursed
Outpatient Benefits
1. Day Surgeries (Ambulatory Or Outpatient Surgeries) Are Services That Include Elective (Non-Emergency) Surgical Procedures Ranging From Minor To Major Operations, Where Patients Are Safely Sent Home Within The Same Day For Post-Operative Care
  • Payments for these procedures are made to the accredited facility through All Case Rates
  • The case rate amount shall be deducted by the HCI from the member’s total bill, which shall include professional fees of attending physicians, prior to discharge
  • The case rate amount is inclusive of hospital charges and professional fees of attending physician
  • Availment condition: Member must have at least three (3) months’ premium contributions within the immediate six (6) months prior to the month of availment
  • Documents needed: copy of Member Data Record and duly accomplished PhilHealth Claim Form 1
  • Where available: Accredited Ambulatory Surgical Clinics (ASCs)
2. Radiotherapy
  • The case rate for radiotherapy using cobalt is P2,000 per session and P3,000 per session for linear accelerator
  • Includes radiation treatment delivery using cobalt and linear accelator
  • Claims for multiple sessions may be filed using one (1) claim form for both inpatient and outpatient radiation therapy
  • May be availed of even as second case rate (full case rate amount)
  • 45 days benefit limit: One session is equivalent to one day deduction from the 45 allowable days per year
  • If procedure is done during confinement, only the total number of confinement days shall be deducted
  • Exempted from Single Period of Confinement (SPC) rule (admissions and re-admissions due to same illness or procedure within 90-calendar day period)
  • Availment condition: Member must have at least three (3) months’ premium contributions within the immediate six (6) months prior to the month of availment
  • Where available: Accredited HCIs including Primary Care Facilities that are accredited for the said service
3. Hemodialysis
  • The Case Rate for hemodialysis is P2,600 per session
  • Covers both inpatient and outpatient procedures including emergency dialysis procedures for acute renal failure
  • Claims for multiple sessions may be filed using one (1) claim form for both inpatient and outpatient hemodialysis
  • May be availed of even as second case rate (full case rate amount)
  • 90 days benefit limit: One session is equivalent to one day deduction from the 90 allowable days per year
  • If procedure is done during confinement, only the total number of confinement days shall be deducted
  • The procedure is exempted from Single Period of Confinement rule (admissions and re-admissions due to same illness or procedure within 90-calendar day period)
  • Availment condition: Member must have at least three (3) months’ premium contributions within the immediate six (6) months prior to the month of availment
  • Where available: All Accredited HCIs – this benefit is no longer restricted to hospitals and free standing dialysis centers provided that the service is within their capability as provided for in the DOH license
4. Outpatient Blood Transfusion
  • The case rate for outpatient blood transfusion is P3,640 (one or more units)
  • Includes Drugs & Medicine, X-ray, Lab & Others, Operating Room
  • Covers outpatient blood transfusion only
  • One day of transfusion of any blood or blood product, regardless of the number of bags, is equivalent to one session
  • May be availed of as second case rate (full case rate amount)
  • 45 days benefit limit: One session for each procedure is equivalent to one day deduction from the 45 allowable days per year Exempted from the SPC rule
  • Where to avail: All Accredited HCIs
5. PCB 1
i. Preventive Services
  1. 1. Consultation
  2. 2. Visual inspection with acetic acid
  3. 3. Regular BP measurements
  4. 4. Breastfeeding program education
  5. 5. Periodic clinical breast examinations
  6. 6. Counseling for lifestyle modification
  7. 7. Counseling for smoking cessation
  8. 8. Body measurements
  9. 9. Digital rectal examination
ii. Diagnostic Examinations (as recommended by the doctor)
  1. 1. Complete blood count
  2. 2. Urinalysis
  3. 3. Fecalysis
  4. 4. Sputum microscopy
  5. 5. Fasting blood sugar
  6. 6. Lipid Profile
  7. 7. Chest x-ray
iii. Drugs and Medicines
  1. 1. Asthma including nebulisation services
  2. 2. Acute Gastroenteritis (AGE) with no or mild dehydration
  3. 3. Upper Respiratory Tract Infection (URTI)/Pneumonia (minimal and low risk)
  4. 4. Urinary Tract Infection (UTI)
  • Payments for these services are made to the primary care provider through Per Family Payment Rate (PFPR)
  • Availment condition: Indigent and Sponsored Members, as well as migrant workers and their legal dependents should avail of these benefits within the effectivity of their coverage as indicated in their PhilHealth ID cards or Member Data Records. iGroup (Gold) members may avail themselves of these benefits within the validity of their group policy contracts, while DepEd personnel may avail themselves of the benefits as long as they are still active members of PhilHealth
  • Documents needed: Copy of Member Data Record or PhilHealth ID
  • Where available: accredited rural health units, health centers or outpatient departments of selected government hospitals where members are enlisted
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©2016 THOUGHTSKOTO