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Tuesday, February 19, 2019

Bill Creating Social Welfare Office For OFWs Gets Senate Approval

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

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

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

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

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

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

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


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

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

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


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


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