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Thursday, February 21, 2019

What Is A Temporary SSS Number And What Do You Need To Do If You Have It?

As a worker, whether you have a job in the Philippines or overseas (OFW), it is important that you have insurance like the Social Security System (SSS) or any private insurance provided by your company abroad. It can assure you of benefits should anything untoward happened to you. It is indeed a great help to you and your family.

As a worker, whether you have a job in the Philippines or overseas, it is important that you have insurance like the Social Security System or any private insurance provided by your company abroad. it can assure you of benefits should anything untoward happened to you. It is indeed a great help to you and your family.     Ads    As a local worker, being a member of the SSS assures that you can avail of the benefits. SSS membership can be determined by having an SSS number. But what will you do if you are given a temporary SSS number? Can you still be able to avail the benefits enjoyed by regular members?    What is a temporary SSS Number?  Is it different from a regular SS Number?    A temporary SS Number is issued to members who have not yet submitted their birth certificates and the date of birth was not yet verified by the SSS. Just like a regular SS Number, the 10-digit temporary SS number is also proof that you are an SSS member and it will serve as your lifetime SSS number once it is verified.     Can you avail the benefits if you are holding a temporary SS Number?  As a temporary SS number holder, you can also pay your contribution as a voluntary or self-employed member or through your company just like a regular member.  However, only the regular SS Number holder can avail of the benefits and privileges. Temporary SS Number holders are not allowed to avail their benefits and privileges unless they had already verified their age and birth date by submitting a copy of their birth certificate from the Philippine Statistics Authority (PSA).    What will you do to have your temporary SS Number verified to be a regular SS Number and avail the benefits?    If you do not have a birth certificate yet, you can submit valid documents or ID's listed at the back of the SS Form E-1 or E-4.    You can also do a late registration of your birth certificate. Just go to your local civil registry where you were born and have yourself registered. You will then be able to request a copy of your birth certificate to the PSA. Submit it to the nearest SSS office for verification of your identity and have your temporary SS Number become regular and avail of the benefits provided by SSS.      For more information, you can visit the SSS official website to go to any SSS offices nearest to you.
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As a local worker, being a member of the SSS assures that you can avail of the benefits. SSS membership can be determined by having an SSS number. But what will you do if you are given a temporary SSS number? Can you still be able to avail the benefits enjoyed by regular members?

What is a temporary SSS Number?
Is it different from a regular SS Number?

A temporary SS Number is issued to members who have not yet submitted their birth certificates and the date of birth was not yet verified by the SSS. Just like a regular SS Number, the 10-digit temporary SS number is also proof that you are an SSS member and it will serve as your lifetime SSS number once it is verified. 

Can you avail the benefits if you are holding a temporary SS Number?
As a temporary SS number holder, you can also pay your contribution as a voluntary or self-employed member or through your company just like a regular member.
However, only the regular SS Number holder can avail of the benefits and privileges. Temporary SS Number holders are not allowed to avail their benefits and privileges unless they had already verified their age and birth date by submitting a copy of their birth certificate from the Philippine Statistics Authority (PSA).

What will you do to have your temporary SS Number verified to be a regular SS Number and avail the benefits?

If you do not have a birth certificate yet, you can submit valid documents or ID's listed at the back of the SS Form E-1 or E-4.

You can also do a late registration of your birth certificate. Just go to your local civil registry where you were born and have yourself registered. You will then be able to request a copy of your birth certificate to the PSA. Submit it to the nearest SSS office for verification of your identity and have your temporary SS Number become regular and avail of the benefits provided by SSS.
  
For more information, you can visit the SSS official website to go to any SSS offices nearest to you. 
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READ MORE:
A survey which was conducted by a Chinese University reveals the very unfavorable working conditions of foreign domestic helpers in Hong Kong which includes thousands of overseas Filipino workers (OFW) who work as household service workers (HSW) and Indonesians.       Ads           The Chinese University’s Research Centre on Migration and Mobility conducted a survey and it turns out that there are already 380,000 foreign domestic helpers in Hong Kong. The study also revealed that the working condition of these foreign domestic helpers was totally pathetic.   According to the survey made with 2,000 respondents, 70.6% are working 13 hours per day and about 34.6% still had to work on their day off. More so, there are also about 5.9% of foreign domestic helpers who are not given a day off in a single week. About 23.7% also do not have a break even on legal holidays.   One of the researchers Professor Raees Begum Baig finds the live-in set up to be the culprit for this longer work hours. “It is very hard to define what is formal work and what is not.” Says Baig.    Among other statistics are:   6% feel discriminated   9% is not being treated well by their employers   3% have never received their wage on time   8% are earning less than the statutory monthly required salary   3% still have to pay their home agency   46% still have to pay a local agency  These domestic helpers, mostly Filipinos and Indonesians, have poor health because of long working hours and unjust treatment of their employers.


A survey which was conducted by a Chinese University reveals the very unfavorable working conditions of foreign domestic helpers in Hong Kong which includes thousands of overseas Filipino workers (OFW) who work as household service workers (HSW) and Indonesians.       Ads           The Chinese University’s Research Centre on Migration and Mobility conducted a survey and it turns out that there are already 380,000 foreign domestic helpers in Hong Kong. The study also revealed that the working condition of these foreign domestic helpers was totally pathetic.   According to the survey made with 2,000 respondents, 70.6% are working 13 hours per day and about 34.6% still had to work on their day off. More so, there are also about 5.9% of foreign domestic helpers who are not given a day off in a single week. About 23.7% also do not have a break even on legal holidays.   One of the researchers Professor Raees Begum Baig finds the live-in set up to be the culprit for this longer work hours. “It is very hard to define what is formal work and what is not.” Says Baig.    Among other statistics are:   6% feel discriminated   9% is not being treated well by their employers   3% have never received their wage on time   8% are earning less than the statutory monthly required salary   3% still have to pay their home agency   46% still have to pay a local agency  These domestic helpers, mostly Filipinos and Indonesians, have poor health because of long working hours and unjust treatment of their employers.
In the real world, availing loans is sometimes inevitable. Financial problems often come unannounced and if you do not have enough savings, you most probably end up getting a loan from a friend, a loan company or a bank. Many overseas Filipino workers (OFW), for example, avail loans specifically designed for people working abroad and seafarers.   https://www.jbsolis.com/2019/02/move-to-these-places-and-get-paid-if.html    Ads    In the society we live in, applying for a loan correlates to debt. In reality, loans actually help people build and establish a credit history to which banking and finance companies refer.   In applying for a loan, whether from a loan company or from a bank, having a good credit history helps you to be approved quickly.    However, there are many types of loans designed for specific needs. Terms and conditions in each type are also different.  In this article, we will break down for you the types of loans and help you decide which ones do you need.   OFW loan – OFW loans work similarly as personal loans but are specifically offered to overseas Filipino workers with valid contracts. A co-borrower or immediate relative based in the Philippines is required. It usually has flexible payment terms to accommodate the specific needs of OFWs and their families.   Personal loan – Personal loans are usually unsecured loans, which means it’s based purely on an individual’s credit score and does not require any collateral, unlike secured loans. The interest rates may range from 1.2 percent to 8 percent, depending on the financial institution. Payment terms are typically shorter, from six to 60 months.  Car loan – Car loans are for people who don’t have enough cash to shoulder the full purchase of a vehicle. It has flexible payment terms of three to five years. To apply for a car loan, simply submit valid IDs and proof of income to get pre-approved. It may be required to have the down payment for the car to get approved.  Business loan – Business loans can be used for a new business or the expansion of an existing one. Examples are line credit, equipment loan, and conventional business loan. Terms depend on the nature of the business and the agreement between the borrower and the lender.  Home loan – Housing loan interest rates are decided between the borrower and the financial institution, with payment terms ranging from five to 30 years. The lender maintains property rights as collateral, and an appraisal fee typically applies.  Credit cards or cash advances – Cash advances are short-term loans with higher interest rates and are typically paid for the following month. Some credit card companies offer longer terms, from three to 12 months. The amount a person can borrow depends on their credit limit.
A survey which was conducted by a Chinese University reveals the very unfavorable working conditions of foreign domestic helpers in Hong Kong which includes thousands of overseas Filipino workers (OFW) who work as household service workers (HSW) and Indonesians.       Ads           The Chinese University’s Research Centre on Migration and Mobility conducted a survey and it turns out that there are already 380,000 foreign domestic helpers in Hong Kong. The study also revealed that the working condition of these foreign domestic helpers was totally pathetic.   According to the survey made with 2,000 respondents, 70.6% are working 13 hours per day and about 34.6% still had to work on their day off. More so, there are also about 5.9% of foreign domestic helpers who are not given a day off in a single week. About 23.7% also do not have a break even on legal holidays.   One of the researchers Professor Raees Begum Baig finds the live-in set up to be the culprit for this longer work hours. “It is very hard to define what is formal work and what is not.” Says Baig.    Among other statistics are:   6% feel discriminated   9% is not being treated well by their employers   3% have never received their wage on time   8% are earning less than the statutory monthly required salary   3% still have to pay their home agency   46% still have to pay a local agency  These domestic helpers, mostly Filipinos and Indonesians, have poor health because of long working hours and unjust treatment of their employers.

©2019 THOUGHTSKOTO

15 Small and Affordable Living Homes for Your Family — Floor Plan Included



Just because you don't have the capacity to build an 8-bedroom mansion, that doesn't have to mean that the home you do build needs to be plain or boring. Don't you know that this thing is quite the opposite? In fact, there are so many small houses build beautifully but affordable. 

Many of us are cost-conscious homeowners and want to get the most of our money. Good things, there are wonderful and inspiring projects we can make! Small houses may look simple but it is a home that puts the spotlight on the bare essentials. 

The following 15 houses that we are going to show you may not have that traditional designs, but it most definitely has that distinct atmosphere. A simple house that you can call home, one that helps promote a lifestyle of happy living!

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House Design No. 1


House Design No. 2



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House Design No. 3


House Design No. 4


House Design No. 5


House Design No. 6


House Design No. 7


House Design No. 8


House Design No. 9


House Design No. 10


House Design No. 11


House Design No. 12


House Design No. 13


House Design No. 14


House Design No. 15



This article is filed under small house design, small beautiful house design, affordable living homes, house with floor plan, house design and ideas, and small house design. 
©2019 THOUGHTSKOTO

Wednesday, February 20, 2019

OFWs In Hong Kong Among The Poorest Working Conditions — Studies

A study which was conducted by a Chinese University reveals the very unfavorable working conditions of foreign domestic helpers in Hong Kong which includes thousands of overseas Filipino workers (OFW) who work as household service workers (HSW) and Indonesians.


A survey which was conducted by a Chinese University reveals the very unfavorable working conditions of foreign domestic helpers in Hong Kong which includes thousands of overseas Filipino workers (OFW) who work as household service workers (HSW) and Indonesians.       Ads           The Chinese University’s Research Centre on Migration and Mobility conducted a survey and it turns out that there are already 380,000 foreign domestic helpers in Hong Kong. The study also revealed that the working condition of these foreign domestic helpers was totally pathetic.   According to the survey made with 2,000 respondents, 70.6% are working 13 hours per day and about 34.6% still had to work on their day off. More so, there are also about 5.9% of foreign domestic helpers who are not given a day off in a single week. About 23.7% also do not have a break even on legal holidays.   One of the researchers Professor Raees Begum Baig finds the live-in set up to be the culprit for this longer work hours. “It is very hard to define what is formal work and what is not.” Says Baig.    Among other statistics are:   6% feel discriminated   9% is not being treated well by their employers   3% have never received their wage on time   8% are earning less than the statutory monthly required salary   3% still have to pay their home agency   46% still have to pay a local agency  These domestic helpers, mostly Filipinos and Indonesians, have poor health because of long working hours and unjust treatment of their employers.

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The Chinese University’s Research Centre on Migration and Mobility conducted a survey and it turns out that there are already 380,000 foreign domestic helpers in Hong Kong. The study also revealed that the working condition of these foreign domestic helpers was totally pathetic.

According to the survey made with 2,000 respondents, 70.6% are working 13 hours per day and about 34.6% still had to work on their day off.
More so, there are also about 5.9% of foreign domestic helpers who are not given a day off in a single week. About 23.7% also do not have a break even on legal holidays.

One of the researchers Professor Raees Begum Baig finds the live-in set up to be the culprit for this longer work hours.
“It is very hard to define what is formal work and what is not.” Says Baig.

Among other statistics are:
  • 6% feel discriminated 
  • 9% is not being treated well by their employers 
  • 3% have never received their wage on time 
  • 8% are earning less than the statutory monthly required salary 
  • 3% still have to pay their home agency 
  • 46% still have to pay a local agency
These domestic helpers, mostly Filipinos and Indonesians, have poor health because of long working hours and unjust treatment of their employers.

Ads




Sponsored Links



A survey which was conducted by a Chinese University reveals the very unfavorable working conditions of foreign domestic helpers in Hong Kong which includes thousands of overseas Filipino workers (OFW) who work as household service workers (HSW) and Indonesians.       Ads           The Chinese University’s Research Centre on Migration and Mobility conducted a survey and it turns out that there are already 380,000 foreign domestic helpers in Hong Kong. The study also revealed that the working condition of these foreign domestic helpers was totally pathetic.   According to the survey made with 2,000 respondents, 70.6% are working 13 hours per day and about 34.6% still had to work on their day off. More so, there are also about 5.9% of foreign domestic helpers who are not given a day off in a single week. About 23.7% also do not have a break even on legal holidays.   One of the researchers Professor Raees Begum Baig finds the live-in set up to be the culprit for this longer work hours. “It is very hard to define what is formal work and what is not.” Says Baig.    Among other statistics are:   6% feel discriminated   9% is not being treated well by their employers   3% have never received their wage on time   8% are earning less than the statutory monthly required salary   3% still have to pay their home agency   46% still have to pay a local agency  These domestic helpers, mostly Filipinos and Indonesians, have poor health because of long working hours and unjust treatment of their employers.
In the real world, availing loans is sometimes inevitable. Financial problems often come unannounced and if you do not have enough savings, you most probably end up getting a loan from a friend, a loan company or a bank. Many overseas Filipino workers (OFW), for example, avail loans specifically designed for people working abroad and seafarers.   https://www.jbsolis.com/2019/02/move-to-these-places-and-get-paid-if.html    Ads    In the society we live in, applying for a loan correlates to debt. In reality, loans actually help people build and establish a credit history to which banking and finance companies refer.   In applying for a loan, whether from a loan company or from a bank, having a good credit history helps you to be approved quickly.    However, there are many types of loans designed for specific needs. Terms and conditions in each type are also different.  In this article, we will break down for you the types of loans and help you decide which ones do you need.   OFW loan – OFW loans work similarly as personal loans but are specifically offered to overseas Filipino workers with valid contracts. A co-borrower or immediate relative based in the Philippines is required. It usually has flexible payment terms to accommodate the specific needs of OFWs and their families.   Personal loan – Personal loans are usually unsecured loans, which means it’s based purely on an individual’s credit score and does not require any collateral, unlike secured loans. The interest rates may range from 1.2 percent to 8 percent, depending on the financial institution. Payment terms are typically shorter, from six to 60 months.  Car loan – Car loans are for people who don’t have enough cash to shoulder the full purchase of a vehicle. It has flexible payment terms of three to five years. To apply for a car loan, simply submit valid IDs and proof of income to get pre-approved. It may be required to have the down payment for the car to get approved.  Business loan – Business loans can be used for a new business or the expansion of an existing one. Examples are line credit, equipment loan, and conventional business loan. Terms depend on the nature of the business and the agreement between the borrower and the lender.  Home loan – Housing loan interest rates are decided between the borrower and the financial institution, with payment terms ranging from five to 30 years. The lender maintains property rights as collateral, and an appraisal fee typically applies.  Credit cards or cash advances – Cash advances are short-term loans with higher interest rates and are typically paid for the following month. Some credit card companies offer longer terms, from three to 12 months. The amount a person can borrow depends on their credit limit.
A survey which was conducted by a Chinese University reveals the very unfavorable working conditions of foreign domestic helpers in Hong Kong which includes thousands of overseas Filipino workers (OFW) who work as household service workers (HSW) and Indonesians.       Ads           The Chinese University’s Research Centre on Migration and Mobility conducted a survey and it turns out that there are already 380,000 foreign domestic helpers in Hong Kong. The study also revealed that the working condition of these foreign domestic helpers was totally pathetic.   According to the survey made with 2,000 respondents, 70.6% are working 13 hours per day and about 34.6% still had to work on their day off. More so, there are also about 5.9% of foreign domestic helpers who are not given a day off in a single week. About 23.7% also do not have a break even on legal holidays.   One of the researchers Professor Raees Begum Baig finds the live-in set up to be the culprit for this longer work hours. “It is very hard to define what is formal work and what is not.” Says Baig.    Among other statistics are:   6% feel discriminated   9% is not being treated well by their employers   3% have never received their wage on time   8% are earning less than the statutory monthly required salary   3% still have to pay their home agency   46% still have to pay a local agency  These domestic helpers, mostly Filipinos and Indonesians, have poor health because of long working hours and unjust treatment of their employers.
©2019 THOUGHTSKOTO

New Graduates Will Now Acquire Their Job Application Documents For FREE

GOOD NEWS to all new graduates! You will not worry about any fees on the documents needed for your job application like NBI Clearance, Police Clearance, UMID Card, TIN, Barangay Clearance, and PSA Certificates, the government will take care of it for you.

GOOD NEWS to all new graduates! You will not worry about any fees on the documents needed for your job application like NBI Clearance, Police Clearance, UMID Card, TIN, Barangay Clearance, and PSA Certificates, the government will take care of it for you.       Ads   The House of Representatives and the Senate recently ratified a bill that will assist fresh graduates who are seeking employment.     The ratified House Bill 172 and Senate Bill 1629, once passed into law, mandates that government agencies, government-owned and controlled corporations (GOCCs) and local government units (LGUs) shall not collect fees or charges from new graduates for documentary requirements relative to their employment.       Authors of the bill include former Rep. Karlo Nograles, Rep. Koko Nograles, Congw. Linabelle Ruth R. Villarica, Estrellita Ging Suansing, Horacio "Toto" Suansing, Jr., Victorial Isabel Noel, Raul "Boboy" C. Tupas, Neil Abayon, former Rep.Emmeline Aglipay Villar, Tita Lorna Silverio, Cong. Kuya Jose Antonio R. Sy-Alvarado for Federalism, Gus Tambunting, Cong. DV Savellano, Angeline “Helen” Tan, Carmelo “Jon” Lazatin II, Gary Alejano, Lorna Silverio, Marlyn Primicias-Agabas, Randolph Ting, Raymund Democrito Mendoza, Mark O. Go (Baguio), Julieta Cortuna, Congw. Ate Rida Robes; Senators Sonny Angara, Joel Villanueva, Grace Poe, JV Ejercito, Nancy Binay, Antonio "Sonny" Trillanes IV, and Senator Loren Legarda.

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 The House of Representatives and the Senate recently ratified a bill that will assist fresh graduates who are seeking employment. 

The ratified House Bill 172 and Senate Bill 1629, once passed into law, mandates that government agencies, government-owned and controlled corporations (GOCCs) and local government units (LGUs) shall not collect fees or charges from new graduates for documentary requirements relative to their employment.  
GOOD NEWS to all new graduates! You will not worry about any fees on the documents needed for your job application like NBI Clearance, Police Clearance, UMID Card, TIN, Barangay Clearance, and PSA Certificates, the government will take care of it for you.       Ads   The House of Representatives and the Senate recently ratified a bill that will assist fresh graduates who are seeking employment.     The ratified House Bill 172 and Senate Bill 1629, once passed into law, mandates that government agencies, government-owned and controlled corporations (GOCCs) and local government units (LGUs) shall not collect fees or charges from new graduates for documentary requirements relative to their employment.       Authors of the bill include former Rep. Karlo Nograles, Rep. Koko Nograles, Congw. Linabelle Ruth R. Villarica, Estrellita Ging Suansing, Horacio "Toto" Suansing, Jr., Victorial Isabel Noel, Raul "Boboy" C. Tupas, Neil Abayon, former Rep.Emmeline Aglipay Villar, Tita Lorna Silverio, Cong. Kuya Jose Antonio R. Sy-Alvarado for Federalism, Gus Tambunting, Cong. DV Savellano, Angeline “Helen” Tan, Carmelo “Jon” Lazatin II, Gary Alejano, Lorna Silverio, Marlyn Primicias-Agabas, Randolph Ting, Raymund Democrito Mendoza, Mark O. Go (Baguio), Julieta Cortuna, Congw. Ate Rida Robes; Senators Sonny Angara, Joel Villanueva, Grace Poe, JV Ejercito, Nancy Binay, Antonio "Sonny" Trillanes IV, and Senator Loren Legarda.

Authors of the bill include former Rep. Karlo Nograles, Rep. Koko Nograles, Congw. Linabelle Ruth R. Villarica, Estrellita Ging Suansing, Horacio "Toto" Suansing, Jr., Victorial Isabel Noel, Raul "Boboy" C. Tupas, Neil Abayon, former Rep.Emmeline Aglipay Villar, Tita Lorna Silverio, Cong. Kuya Jose Antonio R. Sy-Alvarado for Federalism, Gus Tambunting, Cong. DV Savellano, Angeline “Helen” Tan, Carmelo “Jon” Lazatin II, Gary Alejano, Lorna Silverio, Marlyn Primicias-Agabas, Randolph Ting, Raymund Democrito Mendoza, Mark O. Go (Baguio), Julieta Cortuna, Congw. Ate Rida Robes; Senators Sonny Angara, Joel Villanueva, Grace Poe, JV Ejercito, Nancy Binay, Antonio "Sonny" Trillanes IV, and Senator Loren Legarda.

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Sponsored Links



In the real world, availing loans is sometimes inevitable. Financial problems often come unannounced and if you do not have enough savings, you most probably end up getting a loan from a friend, a loan company or a bank. Many overseas Filipino workers (OFW), for example, avail loans specifically designed for people working abroad and seafarers.   https://www.jbsolis.com/2019/02/move-to-these-places-and-get-paid-if.html    Ads    In the society we live in, applying for a loan correlates to debt. In reality, loans actually help people build and establish a credit history to which banking and finance companies refer.   In applying for a loan, whether from a loan company or from a bank, having a good credit history helps you to be approved quickly.    However, there are many types of loans designed for specific needs. Terms and conditions in each type are also different.  In this article, we will break down for you the types of loans and help you decide which ones do you need.   OFW loan – OFW loans work similarly as personal loans but are specifically offered to overseas Filipino workers with valid contracts. A co-borrower or immediate relative based in the Philippines is required. It usually has flexible payment terms to accommodate the specific needs of OFWs and their families.   Personal loan – Personal loans are usually unsecured loans, which means it’s based purely on an individual’s credit score and does not require any collateral, unlike secured loans. The interest rates may range from 1.2 percent to 8 percent, depending on the financial institution. Payment terms are typically shorter, from six to 60 months.  Car loan – Car loans are for people who don’t have enough cash to shoulder the full purchase of a vehicle. It has flexible payment terms of three to five years. To apply for a car loan, simply submit valid IDs and proof of income to get pre-approved. It may be required to have the down payment for the car to get approved.  Business loan – Business loans can be used for a new business or the expansion of an existing one. Examples are line credit, equipment loan, and conventional business loan. Terms depend on the nature of the business and the agreement between the borrower and the lender.  Home loan – Housing loan interest rates are decided between the borrower and the financial institution, with payment terms ranging from five to 30 years. The lender maintains property rights as collateral, and an appraisal fee typically applies.  Credit cards or cash advances – Cash advances are short-term loans with higher interest rates and are typically paid for the following month. Some credit card companies offer longer terms, from three to 12 months. The amount a person can borrow depends on their credit limit.
©2019 THOUGHTSKOTO

Tuesday, February 19, 2019

Bill Creating Social Welfare Office For OFWs Gets Senate Approval

The Senate has ratified the bill that would create offices for social welfare attachés for overseas Filipino workers (OFWs).
The Upper Chamber adopted the House Bill 8908 as an amendment to Senate Bill 1819, or the proposed “Act Establishing the Office for Social Welfare Attaché” just before adjourning for the midterm elections.

The Senate has ratified the bill that would create offices for social welfare attachés for overseas Filipino workers (OFWs).  The Upper Chamber adopted the House Bill 8908 as an amendment to Senate Bill 1819, or the proposed “Act Establishing the Office for Social Welfare Attaché” just before adjourning for the midterm elections.       Ads  The Congress approved its version of the measure on February 4, while the Senate passed its version on October 1, 2018.  The adoption dispenses the need for a bicameral conference committee, thus the subsequent ratification of the bill. The measure would then be transmitted to the Palace for the President’s approval. Villanueva had said that the measure if signed into law, would institutionalize social welfare attachés as a permanent component of Philippine foreign posts in countries or jurisdictions to address the incidence of suicides and cases of abuse against OFWs.  It amends part of the Republic Act 8042, or the Migrant Workers Act of 1995 so that the government shall provide appropriate and timely social, economic, and legal services to OFWs, especially those who are experiencing any sorts of abuse.  Villanueva said countries with a high concentration of Filipino migrant workers, especially in the Middle East, shall be prioritized by the proposed law.  “We believe that having permanent social welfare attachés in our embassies can help prevent incidents of suicide and cases of abuse against our modern-day heroes,” he said.   The Social Welfare Attaché bill would also ensure the deployment of social welfare attaché officers by the Department of Social Welfare and Development (DSWD) to manage cases of distressed OFWs and ensure coordination among agencies and various groups to address the psychosocial needs of distressed OFWs.  The social welfare attaché shall be tasked to establish and maintain a data bank and documentation of OFWs and their families so that appropriate social welfare services can be more effectively provided.  Villanueva earlier said that there are about 10 million Filipinos in more than 170 countries and around 2.3 million of them are migrant workers. While there are only eight social welfare attachés deployed in several parts of the world as of May 2018.

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The Congress approved its version of the measure on February 4, while the Senate passed its version on October 1, 2018.

The adoption dispenses the need for a bicameral conference committee, thus the subsequent ratification of the bill. The measure would then be transmitted to the Palace for the President’s approval.
Villanueva had said that the measure if signed into law, would institutionalize social welfare attachés as a permanent component of Philippine foreign posts in countries or jurisdictions to address the incidence of suicides and cases of abuse against OFWs.

It amends part of the Republic Act 8042, or the Migrant Workers Act of 1995 so that the government shall provide appropriate and timely social, economic, and legal services to OFWs, especially those who are experiencing any sorts of abuse.

Villanueva said countries with a high concentration of Filipino migrant workers, especially in the Middle East, shall be prioritized by the proposed law.

“We believe that having permanent social welfare attachés in our embassies can help prevent incidents of suicide and cases of abuse against our modern-day heroes,” he said.


The Social Welfare Attaché bill would also ensure the deployment of social welfare attaché officers by the Department of Social Welfare and Development (DSWD) to manage cases of distressed OFWs and ensure coordination among agencies and various groups to address the psychosocial needs of distressed OFWs.

The social welfare attaché shall be tasked to establish and maintain a data bank and documentation of OFWs and their families so that appropriate social welfare services can be more effectively provided.

Villanueva earlier said that there are about 10 million Filipinos in more than 170 countries and around 2.3 million of them are migrant workers. While there are only eight social welfare attachés deployed in several parts of the world as of May 2018.
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The Senate has ratified the bill that would create offices for social welfare attachés for overseas Filipino workers (OFWs).  The Upper Chamber adopted the House Bill 8908 as an amendment to Senate Bill 1819, or the proposed “Act Establishing the Office for Social Welfare Attaché” just before adjourning for the midterm elections.       Ads  The Congress approved its version of the measure on February 4, while the Senate passed its version on October 1, 2018.  The adoption dispenses the need for a bicameral conference committee, thus the subsequent ratification of the bill. The measure would then be transmitted to the Palace for the President’s approval. Villanueva had said that the measure if signed into law, would institutionalize social welfare attachés as a permanent component of Philippine foreign posts in countries or jurisdictions to address the incidence of suicides and cases of abuse against OFWs.  It amends part of the Republic Act 8042, or the Migrant Workers Act of 1995 so that the government shall provide appropriate and timely social, economic, and legal services to OFWs, especially those who are experiencing any sorts of abuse.  Villanueva said countries with a high concentration of Filipino migrant workers, especially in the Middle East, shall be prioritized by the proposed law.  “We believe that having permanent social welfare attachés in our embassies can help prevent incidents of suicide and cases of abuse against our modern-day heroes,” he said.   The Social Welfare Attaché bill would also ensure the deployment of social welfare attaché officers by the Department of Social Welfare and Development (DSWD) to manage cases of distressed OFWs and ensure coordination among agencies and various groups to address the psychosocial needs of distressed OFWs.  The social welfare attaché shall be tasked to establish and maintain a data bank and documentation of OFWs and their families so that appropriate social welfare services can be more effectively provided.  Villanueva earlier said that there are about 10 million Filipinos in more than 170 countries and around 2.3 million of them are migrant workers. While there are only eight social welfare attachés deployed in several parts of the world as of May 2018.


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In the real world, availing loans is sometimes inevitable. Financial problems often come unannounced and if you do not have enough savings, you most probably end up getting a loan from a friend, a loan company or a bank. Many overseas Filipino workers (OFW), for example, avail loans specifically designed for people working abroad and seafarers.   https://www.jbsolis.com/2019/02/move-to-these-places-and-get-paid-if.html    Ads    In the society we live in, applying for a loan correlates to debt. In reality, loans actually help people build and establish a credit history to which banking and finance companies refer.   In applying for a loan, whether from a loan company or from a bank, having a good credit history helps you to be approved quickly.    However, there are many types of loans designed for specific needs. Terms and conditions in each type are also different.  In this article, we will break down for you the types of loans and help you decide which ones do you need.   OFW loan – OFW loans work similarly as personal loans but are specifically offered to overseas Filipino workers with valid contracts. A co-borrower or immediate relative based in the Philippines is required. It usually has flexible payment terms to accommodate the specific needs of OFWs and their families.   Personal loan – Personal loans are usually unsecured loans, which means it’s based purely on an individual’s credit score and does not require any collateral, unlike secured loans. The interest rates may range from 1.2 percent to 8 percent, depending on the financial institution. Payment terms are typically shorter, from six to 60 months.  Car loan – Car loans are for people who don’t have enough cash to shoulder the full purchase of a vehicle. It has flexible payment terms of three to five years. To apply for a car loan, simply submit valid IDs and proof of income to get pre-approved. It may be required to have the down payment for the car to get approved.  Business loan – Business loans can be used for a new business or the expansion of an existing one. Examples are line credit, equipment loan, and conventional business loan. Terms depend on the nature of the business and the agreement between the borrower and the lender.  Home loan – Housing loan interest rates are decided between the borrower and the financial institution, with payment terms ranging from five to 30 years. The lender maintains property rights as collateral, and an appraisal fee typically applies.  Credit cards or cash advances – Cash advances are short-term loans with higher interest rates and are typically paid for the following month. Some credit card companies offer longer terms, from three to 12 months. The amount a person can borrow depends on their credit limit.
In the real world, availing loans is sometimes inevitable. Financial problems often come unannounced and if you do not have enough savings, you most probably end up getting a loan from a friend, a loan company or a bank. Many overseas Filipino workers (OFW), for example, avail loans specifically designed for people working abroad and seafarers.   https://www.jbsolis.com/2019/02/move-to-these-places-and-get-paid-if.html    Ads    In the society we live in, applying for a loan correlates to debt. In reality, loans actually help people build and establish a credit history to which banking and finance companies refer.   In applying for a loan, whether from a loan company or from a bank, having a good credit history helps you to be approved quickly.    However, there are many types of loans designed for specific needs. Terms and conditions in each type are also different.  In this article, we will break down for you the types of loans and help you decide which ones do you need.   OFW loan – OFW loans work similarly as personal loans but are specifically offered to overseas Filipino workers with valid contracts. A co-borrower or immediate relative based in the Philippines is required. It usually has flexible payment terms to accommodate the specific needs of OFWs and their families.   Personal loan – Personal loans are usually unsecured loans, which means it’s based purely on an individual’s credit score and does not require any collateral, unlike secured loans. The interest rates may range from 1.2 percent to 8 percent, depending on the financial institution. Payment terms are typically shorter, from six to 60 months.  Car loan – Car loans are for people who don’t have enough cash to shoulder the full purchase of a vehicle. It has flexible payment terms of three to five years. To apply for a car loan, simply submit valid IDs and proof of income to get pre-approved. It may be required to have the down payment for the car to get approved.  Business loan – Business loans can be used for a new business or the expansion of an existing one. Examples are line credit, equipment loan, and conventional business loan. Terms depend on the nature of the business and the agreement between the borrower and the lender.  Home loan – Housing loan interest rates are decided between the borrower and the financial institution, with payment terms ranging from five to 30 years. The lender maintains property rights as collateral, and an appraisal fee typically applies.  Credit cards or cash advances – Cash advances are short-term loans with higher interest rates and are typically paid for the following month. Some credit card companies offer longer terms, from three to 12 months. The amount a person can borrow depends on their credit limit.


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9 Stunning Homes for All Season!



Our house should be a place where we are excited to come home to. Since having a house is expensive in the Philippines, this thing should be considered carefully because this structure will remain with you for a very long time and perhaps for the rest of your lives! So when choosing a design for your home, you must choose the one that you can take for a lifetime. It is always better and recommended to every future homeowner to take closer attention to all the details of your home and don't just leave it to the experts. 


If you are looking designs for inspiration, check the nine stunning houses we compiled for you. Some are simple but beautiful, while others are spacious and designed to meet the needs of every family. One thing for sure, they are all stunning and can withstand in all season!


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House Design No. 1




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House Design No. 2







 House Design No. 3


 House Design No. 4




 House Design No. 5



 House Design No. 6






 House Design No. 7




 House Design No. 8





 House Design No. 9




This article is filed under two-story house design, house design, house with floor plan, house design and ideas, small and beautiful house design, affordable living homes and small beautiful house design.

©2019 THOUGHTSKOTO