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Thursday, April 19, 2018

Is It True That OFWs Are Rich? Here are 9 Truths You Should Know About The Life of OFWs

Asking for a "pasalubong" from Overseas Filipino Workers (OFWs) who is going home for a vacation is very common. This is because of perceptions that OFWs comes home with a lot of money and OFWs are rich since they are earning "dollars". Families with members working abroad are being envied by neighbors especially when balikbayan boxes arrives laden with imported things such as chocolates, shoes, clothes, gadgets and any other things.
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Asking for a "pasalubong" from Overseas Filipino Workers (OFWs) who is going home for a vacation is very common. This is because of perceptions that OFWs comes home with a lot of money and OFWs are rich since they are earning "dollars". Families with members working abroad are being envied by neighbors especially when balikbayan boxes arrives laden with imported things such as chocolates, shoes, clothes, gadgets and any other things.  But what we don't know is the fact that many OFWs are struggling with debt and sacrificed a lot just to provide the needs of families back home. Before they can send their remittances, OFWs must endure first the homesickness and hardship of working away from their families.  So if you still treating OFW like ATM here are some truths about their lives.  1. OFWs are not rich  Only very small percentage of OFWs are considered rich or well-off after an average of 10 years working in the foreign land. The rest are still struggling to meet the needs of the family. If OFWs are rich, they should be home right now instead of working in other countries.  2. OFWs have multiple debts  Before earning "dollars" OFW must pay first his placement fees that raging from P50,000-P100,000. He also needs a lot of money to process documents before can go abroad. Some families sell their properties to fund the application of their family member who wants to work abroad, some took a loan that needs to be paid the soonest because of its ballooning interest.   3. OFWs do not earn big income  Since they are earning dollars or any currency with greater value if converted to peso, some of us think that OFWs are earning big. But what we don't realize is that while OFWs are earning dollars, they are also spending dollars. This is the reason why many OFWs are looking for a part-time job to support their families back home and to save even a little amount of money for an emergency.  4. It takes how many months to fill-in the Balikbayan Box  OFW families are so excited when Balikyaban Box's arrived. But don't you know what sacrifices OFWs has made to fill in that box? There are stories that some OFWs skip their meals and reduced their savings to buy family's request of shoes, chocolates, etc.  5. OFW's don't have a lot of savings  Have you ever wonder why many OFWs come home broke? Or why at old age, OFW is still working abroad? This is because many of them don't have savings for their retirement.  Between paying multiple debts, providing for their family in the Philippines, living expenses and filling the balikbayan box, is there is anything left to save?  6. OFWs don't come home millionaires We call OFW, "madamot" if we don't receive pasalubong or if they did not treat us with good food while they are on vacation in the Philippines. But what we don't know is that the left and rights spending of OFWs while on vacation is a money from their savings or advance loan from their company.  To be "happy-happy" during vacation, some OFWs spend much more than needed.  7. OFWs can't easily go back abroad  Most of the time the money that OFWs set aside for their trip back abroad are spent with the family (shopping, going to the beach, parties, emergencies etc.) after a month’s vacation, which leaves them no other alternative than to get an OFW loan.  8. OFWs don't live a carefree life  You may see a lot of OFWs posting pictures of their travels on different parts of the country abroad, but the truth is just like in the Philippines they are mostly budget travels which they have been saving up for months from what little is left of their paycheck and after back-breaking 9 to 5 work. They surely deserve it.  9.  OFWs don't live with luxurious houses while working abroad You may see that OFWs lived in aircon houses, comfortable living with modern appliances. But the truth they are living in a shared house with more or less 10 people. Some are even sharing bedrooms just to cut cost and save more for other things. They also share the expense of the food and other bills. Sharing is a thing of beauty which helps keep them fed until the next paycheck.  There you go. Those are only a few truths about OFWs. You may also want to know about OFWs pretending to be happy and okay so that families back home will not worry? These are the things OFWs need to endure to earn money so we should be considerate of them in times that our demand is not given.
But what we don't know is the fact that many OFWs are struggling with debt and sacrificed a lot just to provide the needs of families back home. Before they can send their remittances, OFWs must endure first the homesickness and hardship of working away from their families.
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So if you still treating OFW like ATM here are some truths about their lives.


1. OFWs are not rich

Only very small percentage of OFWs are considered rich or well-off after an average of 10 years working in the foreign land. The rest are still struggling to meet the needs of the family. If OFWs are rich, they should be home right now instead of working in other countries.
Asking for a "pasalubong" from Overseas Filipino Workers (OFWs) who is going home for a vacation is very common. This is because of perceptions that OFWs comes home with a lot of money and OFWs are rich since they are earning "dollars". Families with members working abroad are being envied by neighbors especially when balikbayan boxes arrives laden with imported things such as chocolates, shoes, clothes, gadgets and any other things.  But what we don't know is the fact that many OFWs are struggling with debt and sacrificed a lot just to provide the needs of families back home. Before they can send their remittances, OFWs must endure first the homesickness and hardship of working away from their families.  So if you still treating OFW like ATM here are some truths about their lives.  1. OFWs are not rich  Only very small percentage of OFWs are considered rich or well-off after an average of 10 years working in the foreign land. The rest are still struggling to meet the needs of the family. If OFWs are rich, they should be home right now instead of working in other countries.  2. OFWs have multiple debts  Before earning "dollars" OFW must pay first his placement fees that raging from P50,000-P100,000. He also needs a lot of money to process documents before can go abroad. Some families sell their properties to fund the application of their family member who wants to work abroad, some took a loan that needs to be paid the soonest because of its ballooning interest.   3. OFWs do not earn big income  Since they are earning dollars or any currency with greater value if converted to peso, some of us think that OFWs are earning big. But what we don't realize is that while OFWs are earning dollars, they are also spending dollars. This is the reason why many OFWs are looking for a part-time job to support their families back home and to save even a little amount of money for an emergency.  4. It takes how many months to fill-in the Balikbayan Box  OFW families are so excited when Balikyaban Box's arrived. But don't you know what sacrifices OFWs has made to fill in that box? There are stories that some OFWs skip their meals and reduced their savings to buy family's request of shoes, chocolates, etc.  5. OFW's don't have a lot of savings  Have you ever wonder why many OFWs come home broke? Or why at old age, OFW is still working abroad? This is because many of them don't have savings for their retirement.  Between paying multiple debts, providing for their family in the Philippines, living expenses and filling the balikbayan box, is there is anything left to save?  6. OFWs don't come home millionaires We call OFW, "madamot" if we don't receive pasalubong or if they did not treat us with good food while they are on vacation in the Philippines. But what we don't know is that the left and rights spending of OFWs while on vacation is a money from their savings or advance loan from their company.  To be "happy-happy" during vacation, some OFWs spend much more than needed.  7. OFWs can't easily go back abroad  Most of the time the money that OFWs set aside for their trip back abroad are spent with the family (shopping, going to the beach, parties, emergencies etc.) after a month’s vacation, which leaves them no other alternative than to get an OFW loan.  8. OFWs don't live a carefree life  You may see a lot of OFWs posting pictures of their travels on different parts of the country abroad, but the truth is just like in the Philippines they are mostly budget travels which they have been saving up for months from what little is left of their paycheck and after back-breaking 9 to 5 work. They surely deserve it.  9.  OFWs don't live with luxurious houses while working abroad You may see that OFWs lived in aircon houses, comfortable living with modern appliances. But the truth they are living in a shared house with more or less 10 people. Some are even sharing bedrooms just to cut cost and save more for other things. They also share the expense of the food and other bills. Sharing is a thing of beauty which helps keep them fed until the next paycheck.  There you go. Those are only a few truths about OFWs. You may also want to know about OFWs pretending to be happy and okay so that families back home will not worry? These are the things OFWs need to endure to earn money so we should be considerate of them in times that our demand is not given.
2. OFWs have multiple debts

Before earning "dollars" OFW must pay first his placement fees that raging from P50,000-P100,000. He also needs a lot of money to process documents before can go abroad. Some families sell their properties to fund the application of their family member who wants to work abroad, some took a loan that needs to be paid the soonest because of its ballooning interest.
Asking for a "pasalubong" from Overseas Filipino Workers (OFWs) who is going home for a vacation is very common. This is because of perceptions that OFWs comes home with a lot of money and OFWs are rich since they are earning "dollars". Families with members working abroad are being envied by neighbors especially when balikbayan boxes arrives laden with imported things such as chocolates, shoes, clothes, gadgets and any other things.  But what we don't know is the fact that many OFWs are struggling with debt and sacrificed a lot just to provide the needs of families back home. Before they can send their remittances, OFWs must endure first the homesickness and hardship of working away from their families.  So if you still treating OFW like ATM here are some truths about their lives.  1. OFWs are not rich  Only very small percentage of OFWs are considered rich or well-off after an average of 10 years working in the foreign land. The rest are still struggling to meet the needs of the family. If OFWs are rich, they should be home right now instead of working in other countries.  2. OFWs have multiple debts  Before earning "dollars" OFW must pay first his placement fees that raging from P50,000-P100,000. He also needs a lot of money to process documents before can go abroad. Some families sell their properties to fund the application of their family member who wants to work abroad, some took a loan that needs to be paid the soonest because of its ballooning interest.   3. OFWs do not earn big income  Since they are earning dollars or any currency with greater value if converted to peso, some of us think that OFWs are earning big. But what we don't realize is that while OFWs are earning dollars, they are also spending dollars. This is the reason why many OFWs are looking for a part-time job to support their families back home and to save even a little amount of money for an emergency.  4. It takes how many months to fill-in the Balikbayan Box  OFW families are so excited when Balikyaban Box's arrived. But don't you know what sacrifices OFWs has made to fill in that box? There are stories that some OFWs skip their meals and reduced their savings to buy family's request of shoes, chocolates, etc.  5. OFW's don't have a lot of savings  Have you ever wonder why many OFWs come home broke? Or why at old age, OFW is still working abroad? This is because many of them don't have savings for their retirement.  Between paying multiple debts, providing for their family in the Philippines, living expenses and filling the balikbayan box, is there is anything left to save?  6. OFWs don't come home millionaires We call OFW, "madamot" if we don't receive pasalubong or if they did not treat us with good food while they are on vacation in the Philippines. But what we don't know is that the left and rights spending of OFWs while on vacation is a money from their savings or advance loan from their company.  To be "happy-happy" during vacation, some OFWs spend much more than needed.  7. OFWs can't easily go back abroad  Most of the time the money that OFWs set aside for their trip back abroad are spent with the family (shopping, going to the beach, parties, emergencies etc.) after a month’s vacation, which leaves them no other alternative than to get an OFW loan.  8. OFWs don't live a carefree life  You may see a lot of OFWs posting pictures of their travels on different parts of the country abroad, but the truth is just like in the Philippines they are mostly budget travels which they have been saving up for months from what little is left of their paycheck and after back-breaking 9 to 5 work. They surely deserve it.  9.  OFWs don't live with luxurious houses while working abroad You may see that OFWs lived in aircon houses, comfortable living with modern appliances. But the truth they are living in a shared house with more or less 10 people. Some are even sharing bedrooms just to cut cost and save more for other things. They also share the expense of the food and other bills. Sharing is a thing of beauty which helps keep them fed until the next paycheck.  There you go. Those are only a few truths about OFWs. You may also want to know about OFWs pretending to be happy and okay so that families back home will not worry? These are the things OFWs need to endure to earn money so we should be considerate of them in times that our demand is not given.
3. OFWs do not earn big income

Since they are earning dollars or any currency with greater value if converted to peso, some of us think that OFWs are earning big. But what we don't realize is that while OFWs are earning dollars, they are also spending dollars. This is the reason why many OFWs are looking for a part-time job to support their families back home and to save even a little amount of money for an emergency.
Asking for a "pasalubong" from Overseas Filipino Workers (OFWs) who is going home for a vacation is very common. This is because of perceptions that OFWs comes home with a lot of money and OFWs are rich since they are earning "dollars". Families with members working abroad are being envied by neighbors especially when balikbayan boxes arrives laden with imported things such as chocolates, shoes, clothes, gadgets and any other things.  But what we don't know is the fact that many OFWs are struggling with debt and sacrificed a lot just to provide the needs of families back home. Before they can send their remittances, OFWs must endure first the homesickness and hardship of working away from their families.  So if you still treating OFW like ATM here are some truths about their lives.  1. OFWs are not rich  Only very small percentage of OFWs are considered rich or well-off after an average of 10 years working in the foreign land. The rest are still struggling to meet the needs of the family. If OFWs are rich, they should be home right now instead of working in other countries.  2. OFWs have multiple debts  Before earning "dollars" OFW must pay first his placement fees that raging from P50,000-P100,000. He also needs a lot of money to process documents before can go abroad. Some families sell their properties to fund the application of their family member who wants to work abroad, some took a loan that needs to be paid the soonest because of its ballooning interest.   3. OFWs do not earn big income  Since they are earning dollars or any currency with greater value if converted to peso, some of us think that OFWs are earning big. But what we don't realize is that while OFWs are earning dollars, they are also spending dollars. This is the reason why many OFWs are looking for a part-time job to support their families back home and to save even a little amount of money for an emergency.  4. It takes how many months to fill-in the Balikbayan Box  OFW families are so excited when Balikyaban Box's arrived. But don't you know what sacrifices OFWs has made to fill in that box? There are stories that some OFWs skip their meals and reduced their savings to buy family's request of shoes, chocolates, etc.  5. OFW's don't have a lot of savings  Have you ever wonder why many OFWs come home broke? Or why at old age, OFW is still working abroad? This is because many of them don't have savings for their retirement.  Between paying multiple debts, providing for their family in the Philippines, living expenses and filling the balikbayan box, is there is anything left to save?  6. OFWs don't come home millionaires We call OFW, "madamot" if we don't receive pasalubong or if they did not treat us with good food while they are on vacation in the Philippines. But what we don't know is that the left and rights spending of OFWs while on vacation is a money from their savings or advance loan from their company.  To be "happy-happy" during vacation, some OFWs spend much more than needed.  7. OFWs can't easily go back abroad  Most of the time the money that OFWs set aside for their trip back abroad are spent with the family (shopping, going to the beach, parties, emergencies etc.) after a month’s vacation, which leaves them no other alternative than to get an OFW loan.  8. OFWs don't live a carefree life  You may see a lot of OFWs posting pictures of their travels on different parts of the country abroad, but the truth is just like in the Philippines they are mostly budget travels which they have been saving up for months from what little is left of their paycheck and after back-breaking 9 to 5 work. They surely deserve it.  9.  OFWs don't live with luxurious houses while working abroad You may see that OFWs lived in aircon houses, comfortable living with modern appliances. But the truth they are living in a shared house with more or less 10 people. Some are even sharing bedrooms just to cut cost and save more for other things. They also share the expense of the food and other bills. Sharing is a thing of beauty which helps keep them fed until the next paycheck.  There you go. Those are only a few truths about OFWs. You may also want to know about OFWs pretending to be happy and okay so that families back home will not worry? These are the things OFWs need to endure to earn money so we should be considerate of them in times that our demand is not given.
4. It takes how many months to fill-in the Balikbayan Box

OFW families are so excited when Balikyaban Box's arrived. But don't you know what sacrifices OFWs has made to fill in that box? There are stories that some OFWs skip their meals and reduced their savings to buy family's request of shoes, chocolates, etc.
Asking for a "pasalubong" from Overseas Filipino Workers (OFWs) who is going home for a vacation is very common. This is because of perceptions that OFWs comes home with a lot of money and OFWs are rich since they are earning "dollars". Families with members working abroad are being envied by neighbors especially when balikbayan boxes arrives laden with imported things such as chocolates, shoes, clothes, gadgets and any other things.  But what we don't know is the fact that many OFWs are struggling with debt and sacrificed a lot just to provide the needs of families back home. Before they can send their remittances, OFWs must endure first the homesickness and hardship of working away from their families.  So if you still treating OFW like ATM here are some truths about their lives.  1. OFWs are not rich  Only very small percentage of OFWs are considered rich or well-off after an average of 10 years working in the foreign land. The rest are still struggling to meet the needs of the family. If OFWs are rich, they should be home right now instead of working in other countries.  2. OFWs have multiple debts  Before earning "dollars" OFW must pay first his placement fees that raging from P50,000-P100,000. He also needs a lot of money to process documents before can go abroad. Some families sell their properties to fund the application of their family member who wants to work abroad, some took a loan that needs to be paid the soonest because of its ballooning interest.   3. OFWs do not earn big income  Since they are earning dollars or any currency with greater value if converted to peso, some of us think that OFWs are earning big. But what we don't realize is that while OFWs are earning dollars, they are also spending dollars. This is the reason why many OFWs are looking for a part-time job to support their families back home and to save even a little amount of money for an emergency.  4. It takes how many months to fill-in the Balikbayan Box  OFW families are so excited when Balikyaban Box's arrived. But don't you know what sacrifices OFWs has made to fill in that box? There are stories that some OFWs skip their meals and reduced their savings to buy family's request of shoes, chocolates, etc.  5. OFW's don't have a lot of savings  Have you ever wonder why many OFWs come home broke? Or why at old age, OFW is still working abroad? This is because many of them don't have savings for their retirement.  Between paying multiple debts, providing for their family in the Philippines, living expenses and filling the balikbayan box, is there is anything left to save?  6. OFWs don't come home millionaires We call OFW, "madamot" if we don't receive pasalubong or if they did not treat us with good food while they are on vacation in the Philippines. But what we don't know is that the left and rights spending of OFWs while on vacation is a money from their savings or advance loan from their company.  To be "happy-happy" during vacation, some OFWs spend much more than needed.  7. OFWs can't easily go back abroad  Most of the time the money that OFWs set aside for their trip back abroad are spent with the family (shopping, going to the beach, parties, emergencies etc.) after a month’s vacation, which leaves them no other alternative than to get an OFW loan.  8. OFWs don't live a carefree life  You may see a lot of OFWs posting pictures of their travels on different parts of the country abroad, but the truth is just like in the Philippines they are mostly budget travels which they have been saving up for months from what little is left of their paycheck and after back-breaking 9 to 5 work. They surely deserve it.  9.  OFWs don't live with luxurious houses while working abroad You may see that OFWs lived in aircon houses, comfortable living with modern appliances. But the truth they are living in a shared house with more or less 10 people. Some are even sharing bedrooms just to cut cost and save more for other things. They also share the expense of the food and other bills. Sharing is a thing of beauty which helps keep them fed until the next paycheck.  There you go. Those are only a few truths about OFWs. You may also want to know about OFWs pretending to be happy and okay so that families back home will not worry? These are the things OFWs need to endure to earn money so we should be considerate of them in times that our demand is not given.
5. OFW's don't have a lot of savings

Have you ever wonder why many OFWs come home broke? Or why at old age, OFW is still working abroad? This is because many of them don't have savings for their retirement. Between paying multiple debts, providing for their family in the Philippines, living expenses and filling the balikbayan box, is there is anything left to save?
Asking for a "pasalubong" from Overseas Filipino Workers (OFWs) who is going home for a vacation is very common. This is because of perceptions that OFWs comes home with a lot of money and OFWs are rich since they are earning "dollars". Families with members working abroad are being envied by neighbors especially when balikbayan boxes arrives laden with imported things such as chocolates, shoes, clothes, gadgets and any other things.  But what we don't know is the fact that many OFWs are struggling with debt and sacrificed a lot just to provide the needs of families back home. Before they can send their remittances, OFWs must endure first the homesickness and hardship of working away from their families.  So if you still treating OFW like ATM here are some truths about their lives.  1. OFWs are not rich  Only very small percentage of OFWs are considered rich or well-off after an average of 10 years working in the foreign land. The rest are still struggling to meet the needs of the family. If OFWs are rich, they should be home right now instead of working in other countries.  2. OFWs have multiple debts  Before earning "dollars" OFW must pay first his placement fees that raging from P50,000-P100,000. He also needs a lot of money to process documents before can go abroad. Some families sell their properties to fund the application of their family member who wants to work abroad, some took a loan that needs to be paid the soonest because of its ballooning interest.   3. OFWs do not earn big income  Since they are earning dollars or any currency with greater value if converted to peso, some of us think that OFWs are earning big. But what we don't realize is that while OFWs are earning dollars, they are also spending dollars. This is the reason why many OFWs are looking for a part-time job to support their families back home and to save even a little amount of money for an emergency.  4. It takes how many months to fill-in the Balikbayan Box  OFW families are so excited when Balikyaban Box's arrived. But don't you know what sacrifices OFWs has made to fill in that box? There are stories that some OFWs skip their meals and reduced their savings to buy family's request of shoes, chocolates, etc.  5. OFW's don't have a lot of savings  Have you ever wonder why many OFWs come home broke? Or why at old age, OFW is still working abroad? This is because many of them don't have savings for their retirement.  Between paying multiple debts, providing for their family in the Philippines, living expenses and filling the balikbayan box, is there is anything left to save?  6. OFWs don't come home millionaires We call OFW, "madamot" if we don't receive pasalubong or if they did not treat us with good food while they are on vacation in the Philippines. But what we don't know is that the left and rights spending of OFWs while on vacation is a money from their savings or advance loan from their company.  To be "happy-happy" during vacation, some OFWs spend much more than needed.  7. OFWs can't easily go back abroad  Most of the time the money that OFWs set aside for their trip back abroad are spent with the family (shopping, going to the beach, parties, emergencies etc.) after a month’s vacation, which leaves them no other alternative than to get an OFW loan.  8. OFWs don't live a carefree life  You may see a lot of OFWs posting pictures of their travels on different parts of the country abroad, but the truth is just like in the Philippines they are mostly budget travels which they have been saving up for months from what little is left of their paycheck and after back-breaking 9 to 5 work. They surely deserve it.  9.  OFWs don't live with luxurious houses while working abroad You may see that OFWs lived in aircon houses, comfortable living with modern appliances. But the truth they are living in a shared house with more or less 10 people. Some are even sharing bedrooms just to cut cost and save more for other things. They also share the expense of the food and other bills. Sharing is a thing of beauty which helps keep them fed until the next paycheck.  There you go. Those are only a few truths about OFWs. You may also want to know about OFWs pretending to be happy and okay so that families back home will not worry? These are the things OFWs need to endure to earn money so we should be considerate of them in times that our demand is not given.
6. OFWs don't come home millionaires

We call OFW, "madamot" if we don't receive pasalubong or if they did not treat us with good food while they are on vacation in the Philippines. But what we don't know is that the left and rights spending of OFWs while on vacation is a money from their savings or advance loan from their company. To be "happy-happy" during vacation, some OFWs spend much more than needed.
Asking for a "pasalubong" from Overseas Filipino Workers (OFWs) who is going home for a vacation is very common. This is because of perceptions that OFWs comes home with a lot of money and OFWs are rich since they are earning "dollars". Families with members working abroad are being envied by neighbors especially when balikbayan boxes arrives laden with imported things such as chocolates, shoes, clothes, gadgets and any other things.  But what we don't know is the fact that many OFWs are struggling with debt and sacrificed a lot just to provide the needs of families back home. Before they can send their remittances, OFWs must endure first the homesickness and hardship of working away from their families.  So if you still treating OFW like ATM here are some truths about their lives.  1. OFWs are not rich  Only very small percentage of OFWs are considered rich or well-off after an average of 10 years working in the foreign land. The rest are still struggling to meet the needs of the family. If OFWs are rich, they should be home right now instead of working in other countries.  2. OFWs have multiple debts  Before earning "dollars" OFW must pay first his placement fees that raging from P50,000-P100,000. He also needs a lot of money to process documents before can go abroad. Some families sell their properties to fund the application of their family member who wants to work abroad, some took a loan that needs to be paid the soonest because of its ballooning interest.   3. OFWs do not earn big income  Since they are earning dollars or any currency with greater value if converted to peso, some of us think that OFWs are earning big. But what we don't realize is that while OFWs are earning dollars, they are also spending dollars. This is the reason why many OFWs are looking for a part-time job to support their families back home and to save even a little amount of money for an emergency.  4. It takes how many months to fill-in the Balikbayan Box  OFW families are so excited when Balikyaban Box's arrived. But don't you know what sacrifices OFWs has made to fill in that box? There are stories that some OFWs skip their meals and reduced their savings to buy family's request of shoes, chocolates, etc.  5. OFW's don't have a lot of savings  Have you ever wonder why many OFWs come home broke? Or why at old age, OFW is still working abroad? This is because many of them don't have savings for their retirement.  Between paying multiple debts, providing for their family in the Philippines, living expenses and filling the balikbayan box, is there is anything left to save?  6. OFWs don't come home millionaires We call OFW, "madamot" if we don't receive pasalubong or if they did not treat us with good food while they are on vacation in the Philippines. But what we don't know is that the left and rights spending of OFWs while on vacation is a money from their savings or advance loan from their company.  To be "happy-happy" during vacation, some OFWs spend much more than needed.  7. OFWs can't easily go back abroad  Most of the time the money that OFWs set aside for their trip back abroad are spent with the family (shopping, going to the beach, parties, emergencies etc.) after a month’s vacation, which leaves them no other alternative than to get an OFW loan.  8. OFWs don't live a carefree life  You may see a lot of OFWs posting pictures of their travels on different parts of the country abroad, but the truth is just like in the Philippines they are mostly budget travels which they have been saving up for months from what little is left of their paycheck and after back-breaking 9 to 5 work. They surely deserve it.  9.  OFWs don't live with luxurious houses while working abroad You may see that OFWs lived in aircon houses, comfortable living with modern appliances. But the truth they are living in a shared house with more or less 10 people. Some are even sharing bedrooms just to cut cost and save more for other things. They also share the expense of the food and other bills. Sharing is a thing of beauty which helps keep them fed until the next paycheck.  There you go. Those are only a few truths about OFWs. You may also want to know about OFWs pretending to be happy and okay so that families back home will not worry? These are the things OFWs need to endure to earn money so we should be considerate of them in times that our demand is not given.
7. OFWs can't easily go back abroad

Most of the time the money that OFWs set aside for their trip back abroad are spent with the family (shopping, going to the beach, parties, emergencies etc.) after a month’s vacation, which leaves them no other alternative than to get an OFW loan.
Asking for a "pasalubong" from Overseas Filipino Workers (OFWs) who is going home for a vacation is very common. This is because of perceptions that OFWs comes home with a lot of money and OFWs are rich since they are earning "dollars". Families with members working abroad are being envied by neighbors especially when balikbayan boxes arrives laden with imported things such as chocolates, shoes, clothes, gadgets and any other things.  But what we don't know is the fact that many OFWs are struggling with debt and sacrificed a lot just to provide the needs of families back home. Before they can send their remittances, OFWs must endure first the homesickness and hardship of working away from their families.  So if you still treating OFW like ATM here are some truths about their lives.  1. OFWs are not rich  Only very small percentage of OFWs are considered rich or well-off after an average of 10 years working in the foreign land. The rest are still struggling to meet the needs of the family. If OFWs are rich, they should be home right now instead of working in other countries.  2. OFWs have multiple debts  Before earning "dollars" OFW must pay first his placement fees that raging from P50,000-P100,000. He also needs a lot of money to process documents before can go abroad. Some families sell their properties to fund the application of their family member who wants to work abroad, some took a loan that needs to be paid the soonest because of its ballooning interest.   3. OFWs do not earn big income  Since they are earning dollars or any currency with greater value if converted to peso, some of us think that OFWs are earning big. But what we don't realize is that while OFWs are earning dollars, they are also spending dollars. This is the reason why many OFWs are looking for a part-time job to support their families back home and to save even a little amount of money for an emergency.  4. It takes how many months to fill-in the Balikbayan Box  OFW families are so excited when Balikyaban Box's arrived. But don't you know what sacrifices OFWs has made to fill in that box? There are stories that some OFWs skip their meals and reduced their savings to buy family's request of shoes, chocolates, etc.  5. OFW's don't have a lot of savings  Have you ever wonder why many OFWs come home broke? Or why at old age, OFW is still working abroad? This is because many of them don't have savings for their retirement.  Between paying multiple debts, providing for their family in the Philippines, living expenses and filling the balikbayan box, is there is anything left to save?  6. OFWs don't come home millionaires We call OFW, "madamot" if we don't receive pasalubong or if they did not treat us with good food while they are on vacation in the Philippines. But what we don't know is that the left and rights spending of OFWs while on vacation is a money from their savings or advance loan from their company.  To be "happy-happy" during vacation, some OFWs spend much more than needed.  7. OFWs can't easily go back abroad  Most of the time the money that OFWs set aside for their trip back abroad are spent with the family (shopping, going to the beach, parties, emergencies etc.) after a month’s vacation, which leaves them no other alternative than to get an OFW loan.  8. OFWs don't live a carefree life  You may see a lot of OFWs posting pictures of their travels on different parts of the country abroad, but the truth is just like in the Philippines they are mostly budget travels which they have been saving up for months from what little is left of their paycheck and after back-breaking 9 to 5 work. They surely deserve it.  9.  OFWs don't live with luxurious houses while working abroad You may see that OFWs lived in aircon houses, comfortable living with modern appliances. But the truth they are living in a shared house with more or less 10 people. Some are even sharing bedrooms just to cut cost and save more for other things. They also share the expense of the food and other bills. Sharing is a thing of beauty which helps keep them fed until the next paycheck.  There you go. Those are only a few truths about OFWs. You may also want to know about OFWs pretending to be happy and okay so that families back home will not worry? These are the things OFWs need to endure to earn money so we should be considerate of them in times that our demand is not given.
8. OFWs don't live a carefree life

You may see a lot of OFWs posting pictures of their travels on different parts of the country abroad, but the truth is just like in the Philippines they are mostly budget travels which they have been saving up for months from what little is left of their paycheck and after back-breaking 9 to 5 work. They surely deserve it.
Asking for a "pasalubong" from Overseas Filipino Workers (OFWs) who is going home for a vacation is very common. This is because of perceptions that OFWs comes home with a lot of money and OFWs are rich since they are earning "dollars". Families with members working abroad are being envied by neighbors especially when balikbayan boxes arrives laden with imported things such as chocolates, shoes, clothes, gadgets and any other things.  But what we don't know is the fact that many OFWs are struggling with debt and sacrificed a lot just to provide the needs of families back home. Before they can send their remittances, OFWs must endure first the homesickness and hardship of working away from their families.  So if you still treating OFW like ATM here are some truths about their lives.  1. OFWs are not rich  Only very small percentage of OFWs are considered rich or well-off after an average of 10 years working in the foreign land. The rest are still struggling to meet the needs of the family. If OFWs are rich, they should be home right now instead of working in other countries.  2. OFWs have multiple debts  Before earning "dollars" OFW must pay first his placement fees that raging from P50,000-P100,000. He also needs a lot of money to process documents before can go abroad. Some families sell their properties to fund the application of their family member who wants to work abroad, some took a loan that needs to be paid the soonest because of its ballooning interest.   3. OFWs do not earn big income  Since they are earning dollars or any currency with greater value if converted to peso, some of us think that OFWs are earning big. But what we don't realize is that while OFWs are earning dollars, they are also spending dollars. This is the reason why many OFWs are looking for a part-time job to support their families back home and to save even a little amount of money for an emergency.  4. It takes how many months to fill-in the Balikbayan Box  OFW families are so excited when Balikyaban Box's arrived. But don't you know what sacrifices OFWs has made to fill in that box? There are stories that some OFWs skip their meals and reduced their savings to buy family's request of shoes, chocolates, etc.  5. OFW's don't have a lot of savings  Have you ever wonder why many OFWs come home broke? Or why at old age, OFW is still working abroad? This is because many of them don't have savings for their retirement.  Between paying multiple debts, providing for their family in the Philippines, living expenses and filling the balikbayan box, is there is anything left to save?  6. OFWs don't come home millionaires We call OFW, "madamot" if we don't receive pasalubong or if they did not treat us with good food while they are on vacation in the Philippines. But what we don't know is that the left and rights spending of OFWs while on vacation is a money from their savings or advance loan from their company.  To be "happy-happy" during vacation, some OFWs spend much more than needed.  7. OFWs can't easily go back abroad  Most of the time the money that OFWs set aside for their trip back abroad are spent with the family (shopping, going to the beach, parties, emergencies etc.) after a month’s vacation, which leaves them no other alternative than to get an OFW loan.  8. OFWs don't live a carefree life  You may see a lot of OFWs posting pictures of their travels on different parts of the country abroad, but the truth is just like in the Philippines they are mostly budget travels which they have been saving up for months from what little is left of their paycheck and after back-breaking 9 to 5 work. They surely deserve it.  9.  OFWs don't live with luxurious houses while working abroad You may see that OFWs lived in aircon houses, comfortable living with modern appliances. But the truth they are living in a shared house with more or less 10 people. Some are even sharing bedrooms just to cut cost and save more for other things. They also share the expense of the food and other bills. Sharing is a thing of beauty which helps keep them fed until the next paycheck.  There you go. Those are only a few truths about OFWs. You may also want to know about OFWs pretending to be happy and okay so that families back home will not worry? These are the things OFWs need to endure to earn money so we should be considerate of them in times that our demand is not given.
9. OFWs don't live with luxurious houses while working abroad

You may see that OFWs lived in aircon houses, comfortable living with modern appliances. But the truth they are living in a shared house with more or less 10 people.



Some are even sharing bedrooms just to cut cost and save more for other things. They also share the expense of the food and other bills. Sharing is a thing of beauty which helps keep them fed until the next paycheck.
Asking for a "pasalubong" from Overseas Filipino Workers (OFWs) who is going home for a vacation is very common. This is because of perceptions that OFWs comes home with a lot of money and OFWs are rich since they are earning "dollars". Families with members working abroad are being envied by neighbors especially when balikbayan boxes arrives laden with imported things such as chocolates, shoes, clothes, gadgets and any other things.  But what we don't know is the fact that many OFWs are struggling with debt and sacrificed a lot just to provide the needs of families back home. Before they can send their remittances, OFWs must endure first the homesickness and hardship of working away from their families.  So if you still treating OFW like ATM here are some truths about their lives.  1. OFWs are not rich  Only very small percentage of OFWs are considered rich or well-off after an average of 10 years working in the foreign land. The rest are still struggling to meet the needs of the family. If OFWs are rich, they should be home right now instead of working in other countries.  2. OFWs have multiple debts  Before earning "dollars" OFW must pay first his placement fees that raging from P50,000-P100,000. He also needs a lot of money to process documents before can go abroad. Some families sell their properties to fund the application of their family member who wants to work abroad, some took a loan that needs to be paid the soonest because of its ballooning interest.   3. OFWs do not earn big income  Since they are earning dollars or any currency with greater value if converted to peso, some of us think that OFWs are earning big. But what we don't realize is that while OFWs are earning dollars, they are also spending dollars. This is the reason why many OFWs are looking for a part-time job to support their families back home and to save even a little amount of money for an emergency.  4. It takes how many months to fill-in the Balikbayan Box  OFW families are so excited when Balikyaban Box's arrived. But don't you know what sacrifices OFWs has made to fill in that box? There are stories that some OFWs skip their meals and reduced their savings to buy family's request of shoes, chocolates, etc.  5. OFW's don't have a lot of savings  Have you ever wonder why many OFWs come home broke? Or why at old age, OFW is still working abroad? This is because many of them don't have savings for their retirement.  Between paying multiple debts, providing for their family in the Philippines, living expenses and filling the balikbayan box, is there is anything left to save?  6. OFWs don't come home millionaires We call OFW, "madamot" if we don't receive pasalubong or if they did not treat us with good food while they are on vacation in the Philippines. But what we don't know is that the left and rights spending of OFWs while on vacation is a money from their savings or advance loan from their company.  To be "happy-happy" during vacation, some OFWs spend much more than needed.  7. OFWs can't easily go back abroad  Most of the time the money that OFWs set aside for their trip back abroad are spent with the family (shopping, going to the beach, parties, emergencies etc.) after a month’s vacation, which leaves them no other alternative than to get an OFW loan.  8. OFWs don't live a carefree life  You may see a lot of OFWs posting pictures of their travels on different parts of the country abroad, but the truth is just like in the Philippines they are mostly budget travels which they have been saving up for months from what little is left of their paycheck and after back-breaking 9 to 5 work. They surely deserve it.  9.  OFWs don't live with luxurious houses while working abroad You may see that OFWs lived in aircon houses, comfortable living with modern appliances. But the truth they are living in a shared house with more or less 10 people. Some are even sharing bedrooms just to cut cost and save more for other things. They also share the expense of the food and other bills. Sharing is a thing of beauty which helps keep them fed until the next paycheck.  There you go. Those are only a few truths about OFWs. You may also want to know about OFWs pretending to be happy and okay so that families back home will not worry? These are the things OFWs need to endure to earn money so we should be considerate of them in times that our demand is not given.
There you go. Those are only a few truths about OFWs. You may also want to know about OFWs pretending to be happy and okay so that families back home will not worry? These are the things OFWs need to endure to earn money so we should be considerate of them in times that our demand is not given.

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What is PERA?   It is the first ever voluntary retirement account with tax incentives. OFWs can invest up to P200,000 annually while non-OFWs are allowed a maximum of P100,000 investment per year. Even if the OFW is abroad, the spouse and children can open a PERA account on behalf of the OFW.  Upon reaching retirement at the age of 55, all payments or distributions will be tax-exempt. This can either be in a lump sum, a pension for a definite period, or a lifetime.


Last April 14, DFA has started its e-payment system in ASEANA with a goal to make passport processing faster and more convenient Read: How To Renew Your Passport and What are the Requirements You Need In an advisory, DFA said that starting April 14, all passport application and renewal appointments at the DFA-Aseana site will require pre-payment via its Passport e-payment facility. The e-payment system allows passport applicants to pay the processing fee through banks and other platforms. Read: Lost Passport? Check the Requirements and Fees Here
 The Canadian government will no longer accept an application for permanent residency from caregivers starting November 2019. Because of this, applicants to the program including many Filipino caregivers are unhappy with the news. The Philippines is among the top source of Canada's caregiver.



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