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Monday, August 19, 2019

Best New Investments For OFWs

The privilege of working abroad will not be there forever. We, the overseas Filipino workers (OFW), were just given limited opportunity to earn bigger salary compared to what we could be making in our own country in exchange of our sacrifices. Soon we will be going for good and we need to plan ahead.


The privilege of working abroad will not be there forever. We, the overseas Filipino workers (OFW), were just given limited opportunity to earn bigger salary compared to what we could be making in our own country in exchange of our sacrifices. Soon we will be going for good and we need to plan ahead.        Ads          Based on the Bangko Sentral ng Pilipinas’ 2nd Quarter (2019) Consumer Expectation Survey, only 33.9% of the households surveyed put OFW remittances into savings and only 7.6% put them into investments.  There are many ways to invest your hard-earned income. Here we provide options which we believe are the best investments where you can earn sure profit and keep you away from scams and swindlers.   Franchise Business Another great investment for OFWs is owning a business franchise. It gives you the opportunity to learn the ropes of running a business while having a tried-and-tested system in place.  For small franchises, such as food carts and kiosks, starting capital ranges from PHP 50,000 to PHP 900,000. For bigger franchises, capital is much higher and starts at around PHP 800,000.  A word of caution when starting a franchise business: Always have a buffer or emergency fund. You may spend more than your starting capital for miscellaneous expenses such as permits, rent advances, additional equipment, etc.  Being a franchise owner offers OFWs the opportunity to earn additional income. But you must have partners you trust. Being an OFW, you are not always in your home country, and someone will have to run the day-to-day operations.  While you are away, you can let your family handle the franchise business. Instead of merely depending on your remittances to cover their daily expenses, your family members can be more productive in managing the business and earning profits from it.   Real Property Real estate is one of the preferred investments for OFWs because a home is a tangible asset compared to stocks and mutual funds. Another is the personal benefits of having your own place.   Earning in foreign currency allows OFWs to invest in real estate in the first year or two of them working abroad. Compared to those working in the country, it may take years to be able to save up for a down payment on a home.   Real estate has the potential to yield great returns. Also, if you end up selling your property, you will have a large cash reserve in the millions.   Nowadays, the popularity of short-term rentals via online platforms such as Airbnb and Agoda Homes makes it easy for OFWs to earn money quickly by renting out their idle apartment or condo units.  Mutual Funds  Mutual funds and unit investment trust funds (UITFs) are pooled investments that OFWs can participate in for as low as PHP 1,000.   To open a UITF account, most banks require a personal appearance, but others, such as BPI, PNB, and Security Bank, allow you to apply abroad if you already have a savings account with them (or in the case of Security Bank, an existing UITF account).   For mutual funds, you can open an account with a mutual fund company (Philequity, ATRAM, or Sun Life Financial, etc.) or through a stockbroker such as COL Financial and First Metro Sec.  Why are Mutual Funds and UITFs a Good Investment for OFWs?  Mutual funds and UITFs do not require much effort and time compared to other investments for OFWs such as stocks and business. A professional fund manager handles your mutual funds and UITFs. All you need to do is put in the money.   Pag-IBIG MP2 The Modified Pag-IBIG Savings II (MP2) is a five-year voluntary savings program that OFWs can avail in addition to their regular Pag-IBIG savings. The Pag-IBIG Fund allows a minimum monthly investment of PHP 500 for MP2, though OFW members may opt to put a higher amount into their MP2 accounts to earn higher dividends.   The MP2 earns annual dividends with rates that are higher than time deposits and even other investment channels such as mutual funds. The dividend rate even peaked at 8.11% in 2017. For 2019, the Pag-IBIG Fund has declared a 7.41 dividend rate.  Earnings from the MP2 program are tax-free and government-guaranteed, so there’s no risk of losing your money.   SSS Flexi Fund Starting to plan your retirement? The SSS Flexi Fund, a voluntary savings-investment program for overseas SSS members, is one of the best investments for OFWs who want to build their retirement fund.  Similar to the Pag-IBIG MP2, OFW members enjoy risk-free and tax-free benefits under the SSS Flexi Fund program. Although it’s meant primarily as an OFW investment for retirement, it can also be used to cover immediate financial needs through an early withdrawal.  Another advantage of investing through this SSS program is earning incentives when you don’t make any withdrawal or benefit claim within a year.       Ads      Sponsored Links    VUL Insurance VUL stands for variable universal life insurance, an insurance product that doubles as an investment vehicle. It means that a certain percentage of the money you put in your VUL policy goes to the cost of insurance, while the rest goes to investments.  In short, VUL allows OFWs to get themselves insured while growing their money simultaneously.  Why is VUL Insurance a Good Investment for OFWs?   There may be some valid arguments against getting a VUL policy, like it being a lazy way to invest. However, if there’s a group that benefits the most from VUL insurance, it’s the OFWs who barely have the time to learn to invest and monitor their investments.   And since it’s an insurance and investment product rolled into one, VUL is ideal for OFWs who want to protect their loved ones from being financially burdened should they pass away, and save money for retirement should they live longer.   PERA Investment Personal Equity and Retirement Account, or PERA for short, is a voluntary retirement investment program in the Philippines. Once you open a PERA account, your money is invested in various vehicles, including bonds, stocks, mutual funds, and UITFs.  OFWs stand to benefit the most from PERA because they can invest higher amounts (maximum of PHP 200,000 annually) than non-OFWs (maximum of PHP 100,000 annually). They also enjoy higher tax exemption of up to 5% on their PERA investment.   OFWs should take advantage of the benefits that PERA offers. It’s a great opportunity to prepare for retirement because earnings are exempted from taxes. Also, OFWs can invest a higher maximum amount (PHP 200,000) every year compared to non-OFWs, who can invest only up to PHP 100,000 annually.  Stocks With the advent of online trading platforms, OFWs can now participate in the Philippine Stock Exchange (PSE) even if they’re based abroad.  COL Financial, an online broker, allows OFWs to open a trading account without a personal appearance. You can send your application forms and supplementary documents via courier and then fund your account via wire transfers.  In addition, numerous online stock brokers allow you to open an account for a minimum of PHP 5,000. With the high earning capacity of OFWs, they can invest more than that and add to it monthly. Stock investing allows your money to grow if done right. Annual returns of 50% are possible with the stock market, but of course, you need to put in the effort of learning and studying.  The number of OFWs continues to rise each year. These modern-day heroes continue to work away from home for a brighter future.  Investing makes all these goals possible without the need of leaving their family behind.

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Based on the Bangko Sentral ng Pilipinas’ 2nd Quarter (2019) Consumer Expectation Survey, only 33.9% of the households surveyed put OFW remittances into savings and only 7.6% put them into investments.

There are many ways to invest your hard-earned income. Here we provide options which we believe are the best investments where you can earn sure profit and keep you away from scams and swindlers.


Franchise Business
Another great investment for OFWs is owning a business franchise. It gives you the opportunity to learn the ropes of running a business while having a tried-and-tested system in place.

For small franchises, such as food carts and kiosks, starting capital ranges from PHP 50,000 to PHP 900,000. For bigger franchises, capital is much higher and starts at around PHP 800,000.

A word of caution when starting a franchise business: Always have a buffer or emergency fund. You may spend more than your starting capital for miscellaneous expenses such as permits, rent advances, additional equipment, etc.

Being a franchise owner offers OFWs the opportunity to earn additional income. But you must have partners you trust. Being an OFW, you are not always in your home country, and someone will have to run the day-to-day operations.

While you are away, you can let your family handle the franchise business. Instead of merely depending on your remittances to cover their daily expenses, your family members can be more productive in managing the business and earning profits from it.

Real Property
Real estate is one of the preferred investments for OFWs because a home is a tangible asset compared to stocks and mutual funds. Another is the personal benefits of having your own place.


Earning in foreign currency allows OFWs to invest in real estate in the first year or two of them working abroad. Compared to those working in the country, it may take years to be able to save up for a down payment on a home.


Real estate has the potential to yield great returns. Also, if you end up selling your property, you will have a large cash reserve in the millions.


Nowadays, the popularity of short-term rentals via online platforms such as Airbnb and Agoda Homes makes it easy for OFWs to earn money quickly by renting out their idle apartment or condo units.

Mutual Funds 
Mutual funds and unit investment trust funds (UITFs) are pooled investments that OFWs can participate in for as low as PHP 1,000.


To open a UITF account, most banks require a personal appearance, but others, such as BPI, PNB, and Security Bank, allow you to apply abroad if you already have a savings account with them (or in the case of Security Bank, an existing UITF account).


For mutual funds, you can open an account with a mutual fund company (Philequity, ATRAM, or Sun Life Financial, etc.) or through a stockbroker such as COL Financial and First Metro Sec.

Why are Mutual Funds and UITFs a Good Investment for OFWs?

Mutual funds and UITFs do not require much effort and time compared to other investments for OFWs such as stocks and business. A professional fund manager handles your mutual funds and UITFs. All you need to do is put in the money.

 Pag-IBIG MP2
The Modified Pag-IBIG Savings II (MP2) is a five-year voluntary savings program that OFWs can avail in addition to their regular Pag-IBIG savings. The Pag-IBIG Fund allows a minimum monthly investment of PHP 500 for MP2, though OFW members may opt to put a higher amount into their MP2 accounts to earn higher dividends.


The MP2 earns annual dividends with rates that are higher than time deposits and even other investment channels such as mutual funds. The dividend rate even peaked at 8.11% in 2017. For 2019, the Pag-IBIG Fund has declared a 7.41 dividend rate.

Earnings from the MP2 program are tax-free and government-guaranteed, so there’s no risk of losing your money.

 SSS Flexi Fund
Starting to plan your retirement? The SSS Flexi Fund, a voluntary savings-investment program for overseas SSS members, is one of the best investments for OFWs who want to build their retirement fund.

Similar to the Pag-IBIG MP2, OFW members enjoy risk-free and tax-free benefits under the SSS Flexi Fund program. Although it’s meant primarily as an OFW investment for retirement, it can also be used to cover immediate financial needs through an early withdrawal.

Another advantage of investing through this SSS program is earning incentives when you don’t make any withdrawal or benefit claim within a year.



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Sponsored Links


VUL Insurance
VUL stands for variable universal life insurance, an insurance product that doubles as an investment vehicle. It means that a certain percentage of the money you put in your VUL policy goes to the cost of insurance, while the rest goes to investments.

In short, VUL allows OFWs to get themselves insured while growing their money simultaneously.

Why is VUL Insurance a Good Investment for OFWs?


There may be some valid arguments against getting a VUL policy, like it being a lazy way to invest. However, if there’s a group that benefits the most from VUL insurance, it’s the OFWs who barely have the time to learn to invest and monitor their investments.


And since it’s an insurance and investment product rolled into one, VUL is ideal for OFWs who want to protect their loved ones from being financially burdened should they pass away, and save money for retirement should they live longer.

 PERA Investment
Personal Equity and Retirement Account, or PERA for short, is a voluntary retirement investment program in the Philippines. Once you open a PERA account, your money is invested in various vehicles, including bonds, stocks, mutual funds, and UITFs.

OFWs stand to benefit the most from PERA because they can invest higher amounts (maximum of PHP 200,000 annually) than non-OFWs (maximum of PHP 100,000 annually). They also enjoy higher tax exemption of up to 5% on their PERA investment.


OFWs should take advantage of the benefits that PERA offers. It’s a great opportunity to prepare for retirement because earnings are exempted from taxes. Also, OFWs can invest a higher maximum amount (PHP 200,000) every year compared to non-OFWs, who can invest only up to PHP 100,000 annually.

Stocks
With the advent of online trading platforms, OFWs can now participate in the Philippine Stock Exchange (PSE) even if they’re based abroad.

COL Financial, an online broker, allows OFWs to open a trading account without a personal appearance. You can send your application forms and supplementary documents via courier and then fund your account via wire transfers.

In addition, numerous online stock brokers allow you to open an account for a minimum of PHP 5,000. With the high earning capacity of OFWs, they can invest more than that and add to it monthly.
Stock investing allows your money to grow if done right. Annual returns of 50% are possible with the stock market, but of course, you need to put in the effort of learning and studying.

The number of OFWs continues to rise each year. These modern-day heroes continue to work away from home for a brighter future. 
Investing makes all these goals possible without the need of leaving their family behind. 
©2019 THOUGHTSKOTO

DOLE Blacklists 21 Foreign Recruiters; Suspends 19 Local Recruitment Agencies




If you are looking for jobs abroad or applying for overseas jobs, make sure your recruiter is legit or the recruitment agency where you are processing your application has an active status in recruitment. 

For you to know the status, you may check the validity of their licenses through the website of the Philippine Overseas Employment Administration (POEA). Checking your recruitment agency's status is important in the midst of the continuing bid of the government to cleanse the industry.
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In line with this, 21 foreign recruitment agencies and direct employers were blacklisted by the Department of Labor and Employment (DOLE) while another 19 erring local recruitment firms were suspended or whose licenses were canceled.

According to the news release of the DOLE dated August 18, 2019 the following foreign recruitment agencies or direct employers are now blacklisted or disqualified;

  • AV Global Harvest PTE Ltd.
  • Isa Khoury Metal Industries Ltd. and Amir Khoury
  • Raffles International Christian School
  • Al Tauqueet Trading and Services Est/Al Tauqet Trading & Services Co.
  • Noora Salem Saad Office for Recruitment of Domestic Helpers Office
  • All Pro-Recruitment Agency
  • Marwan Slim; Food Equipment Supplying Company Limited (Fesco) & Thaer H. Abdou
  • Wanasah Manpower Supply & Mohammed Naser Al Naser
  • Bader Contracting & Trading Company/Bard Cont and Trad
  • Speedy Tech Electronics Co. Ltd.
  • Staff Buro Staffing
  • Candice Cruz and Allan John Wilton
  • Jalal Al Jalal Construction Est./ Al Nassr AhssaTrading Contracting Company/Jalal Al Jalal/Saad Saleh Al Jalal
  • Marhaba Shopping Center
  • Hadi Al Hamroor Contracting Est. and Fawzi Al Najrani Est./Fouzi Saleh Najrani Contracting
  • Yacht Tours Maldives Pvt. Ltd.
  • Al Falax Electronics Equipment and Supplies Company/Al Falak Equipment
  • Agensi Pekerjaan YSL SDN BHD Lim Pooling and Saw Boon Foong West Labour Supply and Abdalla Ali Adalla Alsari
  • Tsaheel Al Janoob Office for Recruitment
  • Al Bahli Manpower Recruiting Office & Omar Saad Al Hamad
  • Special Manpower Supply.
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On the other hand, the following are agencies with suspension or fine from January to July 31;
  • Double M Marine Services
  • Danasan Manpower & Management Services
  • Summit Placement and Resources
  • Masters International Placement
  • Farland Personnel Management Corp.
  • Corinthians Placement Services
  • Ankor Management & Services & Consultant
  • HBO International Manpower Services
  • Century High HR Inc.
  • First Champion & International Entertainment Inc.
  • Jamal Human Resource
  • Farland Personnel Management Corp.
  • Boom International Recruitment Agency
  • Workgroup International Manpower Services
  • Osims Oriental Skills International
  • Health Carousel Philippines Inc.
  • Mitch International Recruitment Agency
  • Falcon Maritime & Allied Services
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The following are a list of agencies with canceled licenses;
  • Rufean International Resources
  • Ace Globe Management Consultancy Services Corp
  • Federal Overseas Manpower Inc.
  • American Prime Manpower Services Inc.
  • Filhigh-GNS, Inc.
  • Danasan Manpower & Management Service
  • Pacific Ace Human Resources Corporation
  • Highway Manpower Services & Promotion, Inc.
  • M&P Employment Inc.
According to Administrator Bernard Olalia of the POEA, cleansing the industry is part of the intensified regulatory exercise to protect the Filipino workers and promote the welfare of those seeking overseas employment.

It said that the above-mentioned recruiters or agencies were found to have violated recruitment rules from January to July. Olalia said of the suspended and canceled PRAs, there were those whose licenses were restored after their cancellation was reversed on appeal.

Olalia added that POEA had to disclose the list to make public aware especially those seeking employment abroad.



This article is filed under jobs abroad, recruitment agencies, labor department, license recruitment agencies, and Filipino workers. 

©2019 THOUGHTSKOTO

Sunday, August 18, 2019

Robber Attacked OFW In Saudi Arabia

Overseas Filipino workers (OFW) work overseas for a better income but sometimes, untoward incidents are inevitable. An OFW in Saudi Arabia had been a victim of an armed robber taking the company money as well as his own cash which is allocated for his dialysis treatment.

Overseas Filipino workers work overseas for a better income but sometimes, untoward incidents are inevitable. An OFW in Saudi Arabia had been a victim of an armed robber taking the company money as well as his own cash which is allocated for his dialysis treatment.       Ads  Michael Arsolacia, the OFW was working inside their office in Saudi Arabia when a man disguised as a Saudi national entered their office posing as complaining about a certain employee of their office.   According to the statement of the OFW, the man approached him and grabbed a bag containing the shop's money Iqama and other valuables amounting to over SAR 2,000  including his own cash intended for his medication and hemodialysis treatment. The victim tried to recover the bag from the assailant but the man was holding a bladed weapon and threatened the victim using the said knife. The OFW tried to follow him but later retracted upon learning that the suspect was not alone.  Ads          Sponsored Links   The OFW victim is pleading for the Philippine government for help to locate and arrest the suspect. The Department of Foreign Affairs-OUMWA is summoning Arsolacia to their office in order to help him file the appropriate case against the suspect and to give him help as well.  labor Secretary Silvestre Bello III reminded the OFW's that should they have become a victim of any crimes, they should go immediately to the Philippine Overseas Labor Office or the consulate in their host country to seek help. He emphasized that these offices are there to help and protect them.

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Michael Arsolacia, the OFW was working inside their office in Saudi Arabia when a man disguised as a Saudi national entered their office posing as complaining about a certain employee of their office. 
According to the statement of the OFW, the man approached him and grabbed a bag containing the shop's money Iqama and other valuables amounting to over SAR 2,000  including his own cash intended for his medication and hemodialysis treatment. The victim tried to recover the bag from the assailant but the man was holding a bladed weapon and threatened the victim using the said knife. The OFW tried to follow him but later retracted upon learning that the suspect was not alone.
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Sponsored Links


The OFW victim is pleading for the Philippine government for help to locate and arrest the suspect. The Department of Foreign Affairs-OUMWA is summoning Arsolacia to their office in order to help him file the appropriate case against the suspect and to give him help as well.

labor Secretary Silvestre Bello III reminded the OFW's that should they have become a victim of any crimes, they should go immediately to the Philippine Overseas Labor Office or the consulate in their host country to seek help. He emphasized that these offices are there to help and protect them. 
©2019 THOUGHTSKOTO

Pag-IBIG Foreclosed Properties for Sale and Schedule of Public Auction




The following is the list of Pag-IBIG Fund acquired properties or foreclosed properties for sale through public auctions. So if you are looking for real properties to buy, foreclosed properties are a good option especially if you are looking for a cheaper property to acquire. Kindly check the following.


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Jbsolis.com is not affiliated nor connected with Pag-IBIG Fund. This post is for general purposes only. This list is not intended as a recommendation of any particular company or product. 

To find the right opportunity for you, regardless of cost, it’s important that you do your due diligence. Please transact only with the Pag-IBIG's authorized personnel. Jbsolis is not liable for any transaction or contract entered into that is related to this listing.
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Schedule of Public Auctions (With Discount)
NCR Branch:
When: August 29, 2019

Where: Roof deck JELP Business Solutions Center, 409 Shaw Blvd. Mandaluyong City





PDF Files

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Schedule of Public Auctions (With Discount)
NCR Branch:
When: August 28, 2019

Where: Roof deck JELP Business Solutions Center, 409 Shaw Blvd. Mandaluyong City



PDF Files



Schedule of Public Auctions (No Discount)
Davao Housing Hub:
When: September 6, 2019

Where: 3rd Floor HDMF Training Room, Pryce Tower Condominium, Bajada, Davao City

PDF Files


This article is filed under foreclosed properties, bankruptcy house, foreclosure listing, house and lot for sale, banks properties, and PAG-IBIG. 

©2019 THOUGHTSKOTO

Anti-Dengue Home Hacks

Dengue carrying mosquitoes are everywhere and every home must be protected from it. The first line of defense against the dreaded disease is prevention and we can all do it by doing these simple steps at home.

Dengue carrying mosquitoes are everywhere and every home must be protected from it. The first line of defense against the dreaded disease is prevention and we can all do it by doing these simple steps at home.      Ads      The Department of Health (DOH) recently declared a “national dengue epidemic” since dengue cases have been significantly increasing. This is 98% higher than the numbers in 2018, six hundred and twenty two people already lost their lives this year alone.  While the local government units are addressing the situation of the epidemic, the first step to prevent it starts from our homes.  Here are some home hacks that you can do to prevent mosquitoes from breeding to get rid of dengue.   The DOH recommends The Enhanced 4-S implantation which calls for everyone to be active in controlling the spread of mosquito population and avoiding any possible dengue deaths within the community.     1. Search  Find out where mosquitoes thrive and destroy their breeding sites. Mosquitoes lay their eggs in stagnant water, so throw all the containers where stagnant water can accumulate especially during rainy season. These include old tires, blocked drainage, flooded diggings, and even cracked concrete.     2. Secure self-protection  Wear mosquito-repellant, long pants, and long-sleeved shirts.  Aedes egypti are daytime biting mosquitoes but they can also bite during the night so it's best to wear an insect repellant most of the time especially when it is near dark time.  3. Seek early consultation  If the person shows most common symptom of dengue like fever, headache, eye pain, muscle and joint pain, rashes, nausea, vomiting, and unusual bleeding (nose or gum bleeding) do not hesitate to go to a nearby hospital or clinic for consultation. The first 24 to 48 hours of dengue infection are crucial and early treatment is important.  Ads      Sponsored Links        4. Support fogging or spraying in hot spot areas  DOH also encourages fogging and spraying in mosquito-breeding hotspots to be done by authorized and trained sprayers to achieve immediate knockdown of mosquitoes.   Installing creens on windows, doors, and vents,  using insect sprays and mosquito repellant both inside and outside the house can also help a lot.   Pet's drinking bowl should be checked and changed on a regular basis.  Drain rainwater tanks and water storage bins and nearby plants trimmed and under control.  Light-colored clothing has to be worn because mosquitoes are reportedly more attracted to dark colors.   These simple steps could help a lot to keep mosquitoes away. The war against dengue can be fought one home at a time.

Ads



The Department of Health (DOH) recently declared a “national dengue epidemic” since dengue cases have been significantly increasing. This is 98% higher than the numbers in 2018, six hundred and twenty two people already lost their lives this year alone.

While the local government units are addressing the situation of the epidemic, the first step to prevent it starts from our homes.

Here are some home hacks that you can do to prevent mosquitoes from breeding to get rid of dengue.


The DOH recommends The Enhanced 4-S implantation which calls for everyone to be active in controlling the spread of mosquito population and avoiding any possible dengue deaths within the community.

Dengue carrying mosquitoes are everywhere and every home must be protected from it. The first line of defense against the dreaded disease is prevention and we can all do it by doing these simple steps at home.      Ads      The Department of Health (DOH) recently declared a “national dengue epidemic” since dengue cases have been significantly increasing. This is 98% higher than the numbers in 2018, six hundred and twenty two people already lost their lives this year alone.  While the local government units are addressing the situation of the epidemic, the first step to prevent it starts from our homes.  Here are some home hacks that you can do to prevent mosquitoes from breeding to get rid of dengue.   The DOH recommends The Enhanced 4-S implantation which calls for everyone to be active in controlling the spread of mosquito population and avoiding any possible dengue deaths within the community.     1. Search  Find out where mosquitoes thrive and destroy their breeding sites. Mosquitoes lay their eggs in stagnant water, so throw all the containers where stagnant water can accumulate especially during rainy season. These include old tires, blocked drainage, flooded diggings, and even cracked concrete.     2. Secure self-protection  Wear mosquito-repellant, long pants, and long-sleeved shirts.  Aedes egypti are daytime biting mosquitoes but they can also bite during the night so it's best to wear an insect repellant most of the time especially when it is near dark time.  3. Seek early consultation  If the person shows most common symptom of dengue like fever, headache, eye pain, muscle and joint pain, rashes, nausea, vomiting, and unusual bleeding (nose or gum bleeding) do not hesitate to go to a nearby hospital or clinic for consultation. The first 24 to 48 hours of dengue infection are crucial and early treatment is important.  Ads      Sponsored Links        4. Support fogging or spraying in hot spot areas  DOH also encourages fogging and spraying in mosquito-breeding hotspots to be done by authorized and trained sprayers to achieve immediate knockdown of mosquitoes.   Installing creens on windows, doors, and vents,  using insect sprays and mosquito repellant both inside and outside the house can also help a lot.   Pet's drinking bowl should be checked and changed on a regular basis.  Drain rainwater tanks and water storage bins and nearby plants trimmed and under control.  Light-colored clothing has to be worn because mosquitoes are reportedly more attracted to dark colors.   These simple steps could help a lot to keep mosquitoes away. The war against dengue can be fought one home at a time.

1. Search

Find out where mosquitoes thrive and destroy their breeding sites. Mosquitoes lay their eggs in stagnant water, so throw all the containers where stagnant water can accumulate especially during rainy season. These include old tires, blocked drainage, flooded diggings, and even cracked concrete.

Dengue carrying mosquitoes are everywhere and every home must be protected from it. The first line of defense against the dreaded disease is prevention and we can all do it by doing these simple steps at home.      Ads      The Department of Health (DOH) recently declared a “national dengue epidemic” since dengue cases have been significantly increasing. This is 98% higher than the numbers in 2018, six hundred and twenty two people already lost their lives this year alone.  While the local government units are addressing the situation of the epidemic, the first step to prevent it starts from our homes.  Here are some home hacks that you can do to prevent mosquitoes from breeding to get rid of dengue.   The DOH recommends The Enhanced 4-S implantation which calls for everyone to be active in controlling the spread of mosquito population and avoiding any possible dengue deaths within the community.     1. Search  Find out where mosquitoes thrive and destroy their breeding sites. Mosquitoes lay their eggs in stagnant water, so throw all the containers where stagnant water can accumulate especially during rainy season. These include old tires, blocked drainage, flooded diggings, and even cracked concrete.     2. Secure self-protection  Wear mosquito-repellant, long pants, and long-sleeved shirts.  Aedes egypti are daytime biting mosquitoes but they can also bite during the night so it's best to wear an insect repellant most of the time especially when it is near dark time.  3. Seek early consultation  If the person shows most common symptom of dengue like fever, headache, eye pain, muscle and joint pain, rashes, nausea, vomiting, and unusual bleeding (nose or gum bleeding) do not hesitate to go to a nearby hospital or clinic for consultation. The first 24 to 48 hours of dengue infection are crucial and early treatment is important.  Ads      Sponsored Links        4. Support fogging or spraying in hot spot areas  DOH also encourages fogging and spraying in mosquito-breeding hotspots to be done by authorized and trained sprayers to achieve immediate knockdown of mosquitoes.   Installing creens on windows, doors, and vents,  using insect sprays and mosquito repellant both inside and outside the house can also help a lot.   Pet's drinking bowl should be checked and changed on a regular basis.  Drain rainwater tanks and water storage bins and nearby plants trimmed and under control.  Light-colored clothing has to be worn because mosquitoes are reportedly more attracted to dark colors.   These simple steps could help a lot to keep mosquitoes away. The war against dengue can be fought one home at a time.

2. Secure self-protection

Wear mosquito-repellant, long pants, and long-sleeved shirts.  Aedes egypti are daytime biting mosquitoes but they can also bite during the night so it's best to wear an insect repellant most of the time especially when it is near dark time.
Dengue carrying mosquitoes are everywhere and every home must be protected from it. The first line of defense against the dreaded disease is prevention and we can all do it by doing these simple steps at home.      Ads      The Department of Health (DOH) recently declared a “national dengue epidemic” since dengue cases have been significantly increasing. This is 98% higher than the numbers in 2018, six hundred and twenty two people already lost their lives this year alone.  While the local government units are addressing the situation of the epidemic, the first step to prevent it starts from our homes.  Here are some home hacks that you can do to prevent mosquitoes from breeding to get rid of dengue.   The DOH recommends The Enhanced 4-S implantation which calls for everyone to be active in controlling the spread of mosquito population and avoiding any possible dengue deaths within the community.     1. Search  Find out where mosquitoes thrive and destroy their breeding sites. Mosquitoes lay their eggs in stagnant water, so throw all the containers where stagnant water can accumulate especially during rainy season. These include old tires, blocked drainage, flooded diggings, and even cracked concrete.     2. Secure self-protection  Wear mosquito-repellant, long pants, and long-sleeved shirts.  Aedes egypti are daytime biting mosquitoes but they can also bite during the night so it's best to wear an insect repellant most of the time especially when it is near dark time.  3. Seek early consultation  If the person shows most common symptom of dengue like fever, headache, eye pain, muscle and joint pain, rashes, nausea, vomiting, and unusual bleeding (nose or gum bleeding) do not hesitate to go to a nearby hospital or clinic for consultation. The first 24 to 48 hours of dengue infection are crucial and early treatment is important.  Ads      Sponsored Links        4. Support fogging or spraying in hot spot areas  DOH also encourages fogging and spraying in mosquito-breeding hotspots to be done by authorized and trained sprayers to achieve immediate knockdown of mosquitoes.   Installing creens on windows, doors, and vents,  using insect sprays and mosquito repellant both inside and outside the house can also help a lot.   Pet's drinking bowl should be checked and changed on a regular basis.  Drain rainwater tanks and water storage bins and nearby plants trimmed and under control.  Light-colored clothing has to be worn because mosquitoes are reportedly more attracted to dark colors.   These simple steps could help a lot to keep mosquitoes away. The war against dengue can be fought one home at a time.
3. Seek early consultation

If the person shows most common symptom of dengue like fever, headache, eye pain, muscle and joint pain, rashes, nausea, vomiting, and unusual bleeding (nose or gum bleeding) do not hesitate to go to a nearby hospital or clinic for consultation. The first 24 to 48 hours of dengue infection are crucial and early treatment is important.
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Dengue carrying mosquitoes are everywhere and every home must be protected from it. The first line of defense against the dreaded disease is prevention and we can all do it by doing these simple steps at home.      Ads      The Department of Health (DOH) recently declared a “national dengue epidemic” since dengue cases have been significantly increasing. This is 98% higher than the numbers in 2018, six hundred and twenty two people already lost their lives this year alone.  While the local government units are addressing the situation of the epidemic, the first step to prevent it starts from our homes.  Here are some home hacks that you can do to prevent mosquitoes from breeding to get rid of dengue.   The DOH recommends The Enhanced 4-S implantation which calls for everyone to be active in controlling the spread of mosquito population and avoiding any possible dengue deaths within the community.     1. Search  Find out where mosquitoes thrive and destroy their breeding sites. Mosquitoes lay their eggs in stagnant water, so throw all the containers where stagnant water can accumulate especially during rainy season. These include old tires, blocked drainage, flooded diggings, and even cracked concrete.     2. Secure self-protection  Wear mosquito-repellant, long pants, and long-sleeved shirts.  Aedes egypti are daytime biting mosquitoes but they can also bite during the night so it's best to wear an insect repellant most of the time especially when it is near dark time.  3. Seek early consultation  If the person shows most common symptom of dengue like fever, headache, eye pain, muscle and joint pain, rashes, nausea, vomiting, and unusual bleeding (nose or gum bleeding) do not hesitate to go to a nearby hospital or clinic for consultation. The first 24 to 48 hours of dengue infection are crucial and early treatment is important.  Ads      Sponsored Links        4. Support fogging or spraying in hot spot areas  DOH also encourages fogging and spraying in mosquito-breeding hotspots to be done by authorized and trained sprayers to achieve immediate knockdown of mosquitoes.   Installing creens on windows, doors, and vents,  using insect sprays and mosquito repellant both inside and outside the house can also help a lot.   Pet's drinking bowl should be checked and changed on a regular basis.  Drain rainwater tanks and water storage bins and nearby plants trimmed and under control.  Light-colored clothing has to be worn because mosquitoes are reportedly more attracted to dark colors.   These simple steps could help a lot to keep mosquitoes away. The war against dengue can be fought one home at a time.

4. Support fogging or spraying in hot spot areas
DOH also encourages fogging and spraying in mosquito-breeding hotspots to be done by authorized and trained sprayers to achieve immediate knockdown of mosquitoes.

Installing creens on windows, doors, and vents, 
using insect sprays and mosquito repellant both inside and outside the house can also help a lot.

Pet's drinking bowl should be checked and changed on a regular basis. 
Drain rainwater tanks and water storage bins and nearby plants trimmed and under control. 
Light-colored clothing has to be worn because mosquitoes are reportedly more attracted to dark colors. 

These simple steps could help a lot to keep mosquitoes away. The war against dengue can be fought one home at a time.
©2019 THOUGHTSKOTO

Saturday, August 17, 2019

OFW OWWA REBATE: You Can Receive P900 to P13,000 Depending On Your Contribution

OFW OWWA REBATE: You Can Have P900 to P13,000 Depending On Your Contribution
Any qualified OFW can receive P941 to P13,177 depending on your number of contribution. Read for more details below
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From OWWA webpage specifically for OWWA OFW Rebate, this OWWA Rebate program according to Republic Act 10801 or OWWA Act. This is for OFW that are 10-years members of OWWA who did not benefit from any program from the agency.
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READ ALSO:


Cash Assistance Bill for Newly-Hired OFWs Filed in Senate
More Details Here: THOUGHTSKOTO https://www.jbsolis.com/2019/08/cash-assistance-bill-for-newly-hired-OFWs-Filed-in-Senate.html
Mga OFWs, Suportado Umano ang Divorce Law sa 'Pinas!
More Details Here: THOUGHTSKOTO https://www.jbsolis.com/2019/08/OFW-Supports-Divorce-Law-How-About-You.htmlPresident Rodrigo Duterte has signed RA 11361 into a law on August 8 which seeks to reduce the cost of electricity as well as new law that aims to keep all power line corridors free of any obstructions that may disrupt the supply of electricity from power plants to consumers.        Ads    President Rodrigo Duterte has signed a law reducing electricity cost by allocating the government share from the Malampaya natural gas project in Palawan for the payment of debts of the National Power Corporation (Napocor).     The government share amounting to P208 billion  of the Malampaya funds will be allocated to pay for the stranded contract costs and stranded debts of the NPC that are being passed on to consumers.    The law’s main author Senator Sherwin Gatchalian said it will translate to a P172 worth of savings for a household consuming an average of 200 kilowatts per hour every month once implemented.    Under the law, the Department of Budget and Management (DBM) will provide a timely release of the amounts allocated and appropriated to the Power Sector Assets and Liabilities Management Corporation (PSALM) in accordance with its debt and independent power producer payment schedule.    In the event the stranded costs, stranded debts and anticipated shortfalls in the course of the payment of such liabilities are fully paid before the exhaustion of the amount allocated in the law, the remainder will be utilized to finance energy resource development and exploitation programs under Presidential Decree 910.      Ads          Sponsored Links    Duterte has also signed the Anti-Obstruction of Power Lines Act (Republic Act 11361).    The new law aims to keep all power line corridors free of any obstructions that may disrupt the supply of electricity from power plants to consumers.    It prohibits the planting of tall growing plants, the construction of hazardous improvements, and the conduct of any hazardous activities within the power line corridor.    “[W]e will now be able to put in place a mechanism that will allow for the responsive maintenance and rehabilitation of transmission, sub-transmission, and distribution lines, which would prevent outages and ensure continuous supply of electricity,” Gatchalian said in a statement.    “The measure is timely for the rainy season when powerful typhoons barrel through our country.”
Murang Kuryente At Anti-Obstruction Of Powerlines Law, Pirmado Na Ni Pangulong Duterte

More Details Here: THOUGHTSKOTO https://www.jbsolis.com/2019/08/murang-kuryente-at-anti-obstruction-of.html

©2019 THOUGHTSKOTO

Friday, August 16, 2019

Cash Assistance Bill for Newly-Hired OFWs Filed in Senate






Poverty is one of the many reasons why many Filipinos choose to work abroad. But before you land a job in a foreign country, money is very much needed in your application as well as in the processing of many documents needed such as passport, medical certificate and other requirements. 

Aside from this, some jobs abroad require a placement fee. The result, many first time OFWs incurred huge debt from loan sharks or other lending institutions with high interest before they can start a job abroad. This is much harder for people who don't have properties to declare as collateral in those loans.

Read: Mga OFWs, Suportado Umano ang Divorce Law sa 'Pinas!

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This entire process or situation can be lessened if Overseas Filipino Workers (OFW) Bill will pass into law. As of now, Senate Bill No. 801 is filed in the Senate by Senator Bong Revilla. Under the measure, newly-hired OFWs will be able to borrow up to P50,000 from the Overseas Workers Welfare Administration (OWWA) payable in 12 months.

The bill aims to provide credit assistance program to help newly-hired Overseas Filipino Workers (OFWs) financially provide for their families during the first three months of their employment.


Read: OFW Killed By Her Husband Over A Heated Argument About Debt

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Under this bill, prospective OFWs having a valid contract certified by the Philippine Overseas Employment Agency (POEA) may avail a cash loan payable in 12 months or more but not exceeding 24 months at a preferred interest rate of 6 percent per annum.

The senator believes that this program is a big help for living expenses of OFWs and their families during the first few months of their employment as well as other expenses incurred during pre-employment.

Read: Laid-Off Workers? You Can Now Apply For Unemployment Insurance

This article is filed under loan, credit assistance, loan assistance, OFWs, jobs abroad, OFWs financial assistance and OWWA.

©2019 THOUGHTSKOTO