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Showing posts with label HSW. Show all posts
Showing posts with label HSW. Show all posts

Wednesday, February 20, 2019

OFWs In Hong Kong Among The Poorest Working Conditions — Studies

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

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

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

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

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

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A survey which was conducted by a Chinese University reveals the very unfavorable working conditions of foreign domestic helpers in Hong Kong which includes thousands of overseas Filipino workers (OFW) who work as household service workers (HSW) and Indonesians. Ads The Chinese University’s Research Centre on Migration and Mobility conducted a survey and it turns out that there are already 380,000 foreign domestic helpers in Hong Kong. The study also revealed that the working condition of these foreign domestic helpers was totally pathetic. According to the survey made with 2,000 respondents, 70.6% are working 13 hours per day and about 34.6% still had to work on their day off. More so, there are also about 5.9% of foreign domestic helpers who are not given a day off in a single week. About 23.7% also do not have a break even on legal holidays. One of the researchers Professor Raees Begum Baig finds the live-in set up to be the culprit for this longer work hours. “It is very hard to define what is formal work and what is not.” Says Baig. Among other statistics are: 6% feel discriminated 9% is not being treated well by their employers 3% have never received their wage on time 8% are earning less than the statutory monthly required salary 3% still have to pay their home agency 46% still have to pay a local agency These domestic helpers, mostly Filipinos and Indonesians, have poor health because of long working hours and unjust treatment of their employers.
In the real world, availing loans is sometimes inevitable. Financial problems often come unannounced and if you do not have enough savings, you most probably end up getting a loan from a friend, a loan company or a bank. Many overseas Filipino workers (OFW), for example, avail loans specifically designed for people working abroad and seafarers. https://www.jbsolis.com/2019/02/move-to-these-places-and-get-paid-if.html Ads In the society we live in, applying for a loan correlates to debt. In reality, loans actually help people build and establish a credit history to which banking and finance companies refer. In applying for a loan, whether from a loan company or from a bank, having a good credit history helps you to be approved quickly. However, there are many types of loans designed for specific needs. Terms and conditions in each type are also different. In this article, we will break down for you the types of loans and help you decide which ones do you need. OFW loan – OFW loans work similarly as personal loans but are specifically offered to overseas Filipino workers with valid contracts. A co-borrower or immediate relative based in the Philippines is required. It usually has flexible payment terms to accommodate the specific needs of OFWs and their families. Personal loan – Personal loans are usually unsecured loans, which means it’s based purely on an individual’s credit score and does not require any collateral, unlike secured loans. The interest rates may range from 1.2 percent to 8 percent, depending on the financial institution. Payment terms are typically shorter, from six to 60 months. Car loan – Car loans are for people who don’t have enough cash to shoulder the full purchase of a vehicle. It has flexible payment terms of three to five years. To apply for a car loan, simply submit valid IDs and proof of income to get pre-approved. It may be required to have the down payment for the car to get approved. Business loan – Business loans can be used for a new business or the expansion of an existing one. Examples are line credit, equipment loan, and conventional business loan. Terms depend on the nature of the business and the agreement between the borrower and the lender. Home loan – Housing loan interest rates are decided between the borrower and the financial institution, with payment terms ranging from five to 30 years. The lender maintains property rights as collateral, and an appraisal fee typically applies. Credit cards or cash advances – Cash advances are short-term loans with higher interest rates and are typically paid for the following month. Some credit card companies offer longer terms, from three to 12 months. The amount a person can borrow depends on their credit limit.
A survey which was conducted by a Chinese University reveals the very unfavorable working conditions of foreign domestic helpers in Hong Kong which includes thousands of overseas Filipino workers (OFW) who work as household service workers (HSW) and Indonesians. Ads The Chinese University’s Research Centre on Migration and Mobility conducted a survey and it turns out that there are already 380,000 foreign domestic helpers in Hong Kong. The study also revealed that the working condition of these foreign domestic helpers was totally pathetic. According to the survey made with 2,000 respondents, 70.6% are working 13 hours per day and about 34.6% still had to work on their day off. More so, there are also about 5.9% of foreign domestic helpers who are not given a day off in a single week. About 23.7% also do not have a break even on legal holidays. One of the researchers Professor Raees Begum Baig finds the live-in set up to be the culprit for this longer work hours. “It is very hard to define what is formal work and what is not.” Says Baig. Among other statistics are: 6% feel discriminated 9% is not being treated well by their employers 3% have never received their wage on time 8% are earning less than the statutory monthly required salary 3% still have to pay their home agency 46% still have to pay a local agency These domestic helpers, mostly Filipinos and Indonesians, have poor health because of long working hours and unjust treatment of their employers.
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Friday, October 19, 2018

Two Bills For OFWS: HB 8110 And HB 1700 Now Approved In Congress

The overseas Filipino workers (OFW) helps the economy by the remittances they send to their family which is spent on their daily needs making local commerce move. In spite of the help they give to the economy, OFWs are often vulnerable to abuse and maltreatment abroad especially those who are deployed as household service workers (HSW). Due to lack or very little knowledge about their rights, many OFWs needs equipping and protection.
Recently, two pro-OFW bills were already approved in the House Of Representatives: HB 8110 and HB 1700 which aims to empower and protect the OFWs.

The overseas Filipino workers (OFW) helps the economy by the remittances they send to their family which is spent on their daily needs making local commerce move. In spite of the help they give to the economy, OFWs are often vulnerable to abuse and maltreatment abroad especially those who are deployed as household service workers (HSW). Due to lack or very little knowledge about their rights, many OFWs needs equipping and protection. Recently, two pro-OFW bills were already approved in the House Of Representatives: HB 8110 and HB 1700 which aims to empower and protect the OFWs. Ads Sponsored Links The House of Representatives has approved on second reading two measures aimed at empowering and protecting overseas Filipino workers (OFWs). In a statement by Bagong Henerasyon Party-list Rep. Bernadette Herrera-Dy, she said that the Congress approved House Bill (HB) No. 8110, which proposes a standard handbook on the rights and responsibilities of OFWs, and House Bill 1700, granting OFWs the right to equal protection on money claims. Under HB 8110, the Philippine Overseas Employment Administration (POEA) is mandated to develop, publish, disseminate, and update a handbook on the rights and responsibilities of migrant workers. They shall also be the lead agency in implementing an intensified program against illegal recruitment activities. The bill also provides that the handbook shall be written in words that can be easily understood, with translation in the local language as may be necessary. On the other hand, HB 1700 is seeking to amend Republic Act No. 8042, or the “Migrant Workers and Filipino Migrants Act of 1995”, by removing the clause "or for three months for every year of the unexpired term whichever is less" found on the fifth paragraph of Section 10 of the law which refers to money claims for the unexpired portion of a migrant worker's contract. Under the measure, a worker shall be entitled to the full reimbursement of his placement fee and deduction made with interest at 12% per annum in case of termination of overseas employment without just, valid or authorized cause as defined by law or contract, or any unauthorized deduction from the migrant worker’s salary. Filed under the category of overseas Filipino workers, remittances, economy, abuse, maltreatment, household service workers, HB 8110, HB 1700, House Of Representatives, OFW, HSW
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The House of Representatives has approved on second reading two measures aimed at empowering and protecting overseas Filipino workers (OFWs).

In a statement by Bagong Henerasyon Party-list Rep. Bernadette Herrera-Dy, she said that the Congress approved House Bill (HB) No. 8110, which proposes a standard handbook on the rights and responsibilities of OFWs, and House Bill 1700, granting OFWs the right to equal protection on money claims.
The overseas Filipino workers (OFW) helps the economy by the remittances they send to their family which is spent on their daily needs making local commerce move. In spite of the help they give to the economy, OFWs are often vulnerable to abuse and maltreatment abroad especially those who are deployed as household service workers (HSW). Due to lack or very little knowledge about their rights, many OFWs needs equipping and protection. Recently, two pro-OFW bills were already approved in the House Of Representatives: HB 8110 and HB 1700 which aims to empower and protect the OFWs. Ads Sponsored Links The House of Representatives has approved on second reading two measures aimed at empowering and protecting overseas Filipino workers (OFWs). In a statement by Bagong Henerasyon Party-list Rep. Bernadette Herrera-Dy, she said that the Congress approved House Bill (HB) No. 8110, which proposes a standard handbook on the rights and responsibilities of OFWs, and House Bill 1700, granting OFWs the right to equal protection on money claims. Under HB 8110, the Philippine Overseas Employment Administration (POEA) is mandated to develop, publish, disseminate, and update a handbook on the rights and responsibilities of migrant workers. They shall also be the lead agency in implementing an intensified program against illegal recruitment activities. The bill also provides that the handbook shall be written in words that can be easily understood, with translation in the local language as may be necessary. On the other hand, HB 1700 is seeking to amend Republic Act No. 8042, or the “Migrant Workers and Filipino Migrants Act of 1995”, by removing the clause "or for three months for every year of the unexpired term whichever is less" found on the fifth paragraph of Section 10 of the law which refers to money claims for the unexpired portion of a migrant worker's contract. Under the measure, a worker shall be entitled to the full reimbursement of his placement fee and deduction made with interest at 12% per annum in case of termination of overseas employment without just, valid or authorized cause as defined by law or contract, or any unauthorized deduction from the migrant worker’s salary. Filed under the category of overseas Filipino workers, remittances, economy, abuse, maltreatment, household service workers, HB 8110, HB 1700, House Of Representatives, OFW, HSW
Under HB 8110, the Philippine Overseas Employment Administration (POEA) is mandated to develop, publish, disseminate, and update a handbook on the rights and responsibilities of migrant workers.

They shall also be the lead agency in implementing an intensified program against illegal recruitment activities.

The bill also provides that the handbook shall be written in words that can be easily understood, with translation in the local language as may be necessary.

On the other hand, HB 1700 is seeking to amend Republic Act No. 8042, or the “Migrant Workers and Filipino Migrants Act of 1995”, by removing the clause "or for three months for every year of the unexpired term whichever is less" found on the fifth paragraph of Section 10 of the law which refers to money claims for the unexpired portion of a migrant worker's contract.
Under the measure, a worker shall be entitled to the full reimbursement of his placement fee and deduction made with interest at 12% per annum in case of termination of overseas employment without just, valid or authorized cause as defined by law or contract, or any unauthorized deduction from the migrant worker’s salary.
Filed under the category of overseas Filipino workers, remittances, economy, abuse, maltreatment, household service workers, HB 8110, HB 1700, House Of Representatives, OFW, HSW
The overseas Filipino workers (OFW) helps the economy by the remittances they send to their family which is spent on their daily needs making local commerce move. In spite of the help they give to the economy, OFWs are often vulnerable to abuse and maltreatment abroad especially those who are deployed as household service workers (HSW). Due to lack or very little knowledge about their rights, many OFWs needs equipping and protection. Recently, two pro-OFW bills were already approved in the House Of Representatives: HB 8110 and HB 1700 which aims to empower and protect the OFWs. Ads Sponsored Links The House of Representatives has approved on second reading two measures aimed at empowering and protecting overseas Filipino workers (OFWs). In a statement by Bagong Henerasyon Party-list Rep. Bernadette Herrera-Dy, she said that the Congress approved House Bill (HB) No. 8110, which proposes a standard handbook on the rights and responsibilities of OFWs, and House Bill 1700, granting OFWs the right to equal protection on money claims. Under HB 8110, the Philippine Overseas Employment Administration (POEA) is mandated to develop, publish, disseminate, and update a handbook on the rights and responsibilities of migrant workers. They shall also be the lead agency in implementing an intensified program against illegal recruitment activities. The bill also provides that the handbook shall be written in words that can be easily understood, with translation in the local language as may be necessary. On the other hand, HB 1700 is seeking to amend Republic Act No. 8042, or the “Migrant Workers and Filipino Migrants Act of 1995”, by removing the clause "or for three months for every year of the unexpired term whichever is less" found on the fifth paragraph of Section 10 of the law which refers to money claims for the unexpired portion of a migrant worker's contract. Under the measure, a worker shall be entitled to the full reimbursement of his placement fee and deduction made with interest at 12% per annum in case of termination of overseas employment without just, valid or authorized cause as defined by law or contract, or any unauthorized deduction from the migrant worker’s salary. Filed under the category of overseas Filipino workers, remittances, economy, abuse, maltreatment, household service workers, HB 8110, HB 1700, House Of Representatives, OFW, HSW
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The overseas Filipino workers (OFW) helps the economy by the remittances they send to their family which is spent on their daily needs making local commerce move. In spite of the help they give to the economy, OFWs are often vulnerable to abuse and maltreatment abroad especially those who are deployed as household service workers (HSW). Due to lack or very little knowledge about their rights, many OFWs needs equipping and protection. Recently, two pro-OFW bills were already approved in the House Of Representatives: HB 8110 and HB 1700 which aims to empower and protect the OFWs. Ads Sponsored Links The House of Representatives has approved on second reading two measures aimed at empowering and protecting overseas Filipino workers (OFWs). In a statement by Bagong Henerasyon Party-list Rep. Bernadette Herrera-Dy, she said that the Congress approved House Bill (HB) No. 8110, which proposes a standard handbook on the rights and responsibilities of OFWs, and House Bill 1700, granting OFWs the right to equal protection on money claims. Under HB 8110, the Philippine Overseas Employment Administration (POEA) is mandated to develop, publish, disseminate, and update a handbook on the rights and responsibilities of migrant workers. They shall also be the lead agency in implementing an intensified program against illegal recruitment activities. The bill also provides that the handbook shall be written in words that can be easily understood, with translation in the local language as may be necessary. On the other hand, HB 1700 is seeking to amend Republic Act No. 8042, or the “Migrant Workers and Filipino Migrants Act of 1995”, by removing the clause "or for three months for every year of the unexpired term whichever is less" found on the fifth paragraph of Section 10 of the law which refers to money claims for the unexpired portion of a migrant worker's contract. Under the measure, a worker shall be entitled to the full reimbursement of his placement fee and deduction made with interest at 12% per annum in case of termination of overseas employment without just, valid or authorized cause as defined by law or contract, or any unauthorized deduction from the migrant worker’s salary. Filed under the category of overseas Filipino workers, remittances, economy, abuse, maltreatment, household service workers, HB 8110, HB 1700, House Of Representatives, OFW, HSW
Natural remedies have long been used in the Arab world to treat a range of health issues, including these seeds and herbs that are thought to have various benefits. Unlike synthetic drugs that could damage your liver in the long run, herbal medicines can cure illnesses without damaging your internal organs. Ads </ Sponsored Links Black cumin seed According to Islamic tradition, the black cumin seed is a powerhouse of health benefits. It is thought to help with immune-related, digestive and respiratory issues and has antihistamine, anti-inflammatory, and anti-oxidant properties. Cloves Cloves and clove oil have been used in dentistry since as early as the 19th century. It is known to contain antiseptic and anti-inflammatory chemical eugenol. Turmeric Turmeric contains the chemical curcumin that is thought to decrease inflammation in the body. Thyme Thyme has been used for centuries to treat such medical conditions as diarrhea, stomach ache, arthritis and sore throats due to the presence of thymol, an antiseptic agent. Fennel seeds A concentrated source of minerals like copper, potassium, calcium, zinc, manganese, vitamin c, iron, selenium and magnesium, fennel is thought to do everything like regulating blood pressure and easing water retention as it’s a known diuretic. Anise Anise oil contains thymol, terpineol, and anethole, which are known remedies for a cough and flu cases. Anise is also known to help improve digestion, alleviate cramps and reduce nausea. Filed under the category of Natural remedies, Arab, health issues, seeds and herbs, synthetic drugs, herbal medicines, a cure.
Many Filipinos especially those in the remote areas of the country. They can only avail of medical attention once in a blue moon through medical missions coming from non-government organizations (NGO's) and other health advocacy groups. Instances also happen where citizens, even at the heart of the city suffer illnesses and just succumb to their deaths without having treated due to expensive medications and hospitalization. Soon, all Filipinos will have access to free health services including the families of the overseas Filipino workers (OFW). This situation is about to change as the new universal health bill was already approved and soon to be enacted as a law. The Senate passed on third and final reading a bill that seeks to provide adequate health care services to Filipinos. The senators unanimously voted for the approval of Senate Bill #1986 also known as the "Universal Health Care Bill." President Rodrigo Duterte wanted it to be certified urgent and called for the proposed measure's passage at the Senate. Ads Sponsored Links With this law being enacted, Filipinos will be given health care coverage and benefits under the National Health Security Program, which replaces the National Health Insurance Program or Philhealth. Under the universal health care law, "contributors" or those who have the capacity to pay will have to pay for their premiums while the government will shoulder the contributions of non-contributors. Funds for the subsidy will be included in the annual General Appropriations Act as well as sin taxes from cigarettes will also be a major source of funding for the policy. Presidential Spokesperson Harry Roque, who authored the bill when he was still a party-list representative, thanked the Senate for passing what he considers to be a "groundbreaking" law. The House of Representative had previously passed a version of the bill (House Bill No 5784) in September 2017. The President's move in certifying the bill as urgent shows the administration's "unrelenting commitment to provide the marginalized and disadvantaged with sufficient and better health care services," Roque said. Filed under the category of Filipinos, non-government organizations (NGO's), health advocacy groups, free health services, universal health bill, Senate, Universal Health Care Bill, President Rodrigo Duterte

As overseas Filipino workers (OFW) working in an unfamiliar territory, we feel comfortable whenever we see a compatriot or a fellow Filipino abroad. In some instances, very unfortunate things happen like getting into a trouble because of a fellow Filipino. The Department of Foreign Affairs (DFA) and the Consulate General in Saudi Arabia confirmed that an OFW was stabbed and killed by a fellow OFW in Jeddah, KSA. Ads Sponsored Links A Filipino was stabbed and killed by a fellow Filipino in Jeddah, Saudi Arabia, according to the confirmation of the Department of Foreign Affairs (DFA). The victim (name withheld) was a 29-year-old from Datu Odin Sinsuat, Maguindanao, who worked as a family driver in Jeddah. The suspect (name withheld), a 34-year-old from Capiz, also a driver for the same family The suspect remains under police custody after he was arrested immediately after the incident. The two "allegedly engaged in a fistfight in front of the house of their employer that ended in the victim getting fatally stabbed by his fellow driver." The motive of the stabbing is still unknown. The Consulate General and the Philippine Overseas Labor Office in Jeddah will extend full assistance to both Filipinos as well as their families. The victim is set for a vacation to the Philippines soon but the incident turned out to be unfortunate that he will come home inside a box. Consul General Edgar Badajos said that the suspect is facing a death sentence as per Saudi Sharia law. However, since they are both Filipinos, it is possible that the victim's family could instead He assured that they will render assistance to help both OFWs. Filed under the category of overseas Filipino workers, Filipino abroad, Department of Foreign Affairs (DFA), Saudi Arabia, stabbed, Jeddah, KSA
Two Bills For OFWS: HB 8110 And HB 1700 Now Approved In Congress
More often, families with overseas Filipino workers (OFW) rely on their OFW breadwinner in providing their needs and without doing any efforts to have extra income. They use the money they receive to pay their bills, rents, mortgages, etc. They tend to spend the remittances they receive and wait for the next remittance when the money is over without any savings. This is the reason why no matter how long the OFWs exhaust themselves working overseas, they are still coming home broke and without any savings. Encouraging our spouse or anyone who is responsible for the remittances you send to save could be a great help and could guarantee a hassle-free retirement, much more if they placed this savings to a profitable investment. Ads Sponsored Links Stick to a budget schedule Convince your spouse to make a monthly budget and commit to saving a portion of the monthly remittance. They could also spend the remaining part of the budget after setting aside the savings. No matter how small the savings, it could mean a lot after a period of time you regularly do it. Use the credit card wisely or do not use it at all Credit cards could be an advantage when purchasing but it can also lure the holder to spend more. Whenever possible, avoid using credit cards and use cash instead. It would save you from paying extra charges and interests which can really raise your spending. The best rule should be, do not spend the money you do not have. Always make a list of important things to buy Many OFW spouses tend to go on a shopping spree just after receiving the remittance and let their impulses lead in which items they like to buy at the very moment without putting their priorities on the things they really needed. Encourage them to develop a habit and discipline of making a list of the things they need to prioritize during shopping and strictly follow what is on the list to avoid spending too much on the things that are not really important. Live a lifestyle that suits your income Many OFW spouses live like one day millionaire. after claiming the remittances you sent, they will go straight to the mall, eat at the fast-food chain of their choice, go on a shopping spree buying what they want without even thinking if they still have the money to go through the month until the next remittance. If their budget got short, they would borrow money from someone which would cause the next budget to bear the shortage and the cycle goes on. There's nothing wrong with being generous but not too much Advise your spouse to exercise caution when giving help to extended families, relatives or friends. There is nothing wrong with extending help but there has to be a limitation. This would avoid them to become dependent on your assistance that they would knock your everytime they need financial help. Working overseas is not forever and you will eventually come home for good. It is you and your spouse who need to work hand-in-hand to succeed. Together you must find ways to take care of your finances and save for the future of your family. Filed under the category of overseas Filipino workers, extra income, bills, rents, mortgages, remittances, working overseas, retirement, investment, savings
More often, families with overseas Filipino workers (OFW) rely on their OFW breadwinner in providing their needs and without doing any efforts to have extra income. They use the money they receive to pay their bills, rents, mortgages, etc. They tend to spend the remittances they receive and wait for the next remittance when the money is over without any savings. This is the reason why no matter how long the OFWs exhaust themselves working overseas, they are still coming home broke and without any savings. Encouraging our spouse or anyone who is responsible for the remittances you send to save could be a great help and could guarantee a hassle-free retirement, much more if they placed this savings to a profitable investment. Ads Sponsored Links Stick to a budget schedule Convince your spouse to make a monthly budget and commit to saving a portion of the monthly remittance. They could also spend the remaining part of the budget after setting aside the savings. No matter how small the savings, it could mean a lot after a period of time you regularly do it. Use the credit card wisely or do not use it at all Credit cards could be an advantage when purchasing but it can also lure the holder to spend more. Whenever possible, avoid using credit cards and use cash instead. It would save you from paying extra charges and interests which can really raise your spending. The best rule should be, do not spend the money you do not have. Always make a list of important things to buy Many OFW spouses tend to go on a shopping spree just after receiving the remittance and let their impulses lead in which items they like to buy at the very moment without putting their priorities on the things they really needed. Encourage them to develop a habit and discipline of making a list of the things they need to prioritize during shopping and strictly follow what is on the list to avoid spending too much on the things that are not really important. Live a lifestyle that suits your income Many OFW spouses live like one day millionaire. after claiming the remittances you sent, they will go straight to the mall, eat at the fast-food chain of their choice, go on a shopping spree buying what they want without even thinking if they still have the money to go through the month until the next remittance. If their budget got short, they would borrow money from someone which would cause the next budget to bear the shortage and the cycle goes on. There's nothing wrong with being generous but not too much Advise your spouse to exercise caution when giving help to extended families, relatives or friends. There is nothing wrong with extending help but there has to be a limitation. This would avoid them to become dependent on your assistance that they would knock your everytime they need financial help. Working overseas is not forever and you will eventually come home for good. It is you and your spouse who need to work hand-in-hand to succeed. Together you must find ways to take care of your finances and save for the future of your family. Filed under the category of overseas Filipino workers, extra income, bills, rents, mortgages, remittances, working overseas, retirement, investment, savings
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Friday, October 05, 2018

New Insurance Scheme To Protect HSWs In UAE Starting This Month

A large proportion of overseas Filipino workers(OFW) deployed in different parts of the world are household service workers (HSWs). A new announcement from the  Ministry of Human Resources and Emiratization (MOHRE) has shed a new light on the HSW sector in the United Arab Emirates.

A large proportion of overseas Filipino workers(OFW) deployed in different parts of the world are household service workers (HSWs). A new announcement from the Ministry of Human Resources and Emiratization (MOHRE) has shed a new light on the HSW sector in the United Arab Emirates. Ads Sponsored Links MOHRE announced that the currently mandatory Dh3,000 bank guarantee deposit per worker will be replaced by an annual Dh60 insurance per worker starting this month. The implementation of the new system will result in the price of hiring household service workers (HSWs) in the UAE to become cheaper once the new insurance scheme is implemented. The insurance policy will cover end-of-service benefits, vacation and overtime allowance, return air ticket, unpaid wages, and cases of the work injury. The insurance will also cover the cost of replacing the worker for health reasons or if the domestic worker wants to cancel the working relationship with the employer. The total amount covered by the insurance is Dh20,000. MOHRE will begin disbursing the bank guarantees paid earlier by private employers amounting to Dh14 million starting October 15. Those who had salary-related violations six months before work permit renewal, however, would not be able to reimburse their bank guarantees. The insurance scheme was one of the new laws approved by His Highness Sheikh Mohammed bin Rashid Al Maktoum, Vice President and Prime Minister of the UAE and Ruler of Dubai, in June. “Our goal is to remain a top destination for ease of doing business, through an agile economy based on flexibility and openness,” the UAE Vice President said in June. Filed under the category of overseas Filipino workers(OFW), household service workers, Ministry of Human Resources and Emiratization, HSW, United Arab Emirates
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MOHRE announced that the currently mandatory Dh3,000 bank guarantee deposit per worker will be replaced by an annual Dh60 insurance per worker starting this month.

The implementation of the new system will result in the price of hiring household service workers (HSWs) in the UAE to become cheaper once the new insurance scheme is implemented.

The insurance policy will cover end-of-service benefits, vacation and overtime allowance, return air ticket, unpaid wages, and cases of the work injury.

The insurance will also cover the cost of replacing the worker for health reasons or if the domestic worker wants to cancel the working relationship with the employer. The total amount covered by the insurance is Dh20,000.

MOHRE will begin disbursing the bank guarantees paid earlier by private employers amounting to Dh14 million starting October 15. Those who had salary-related violations six months before work permit renewal, however, would not be able to reimburse their bank guarantees.

The insurance scheme was one of the new laws approved by His Highness Sheikh Mohammed bin Rashid Al Maktoum, Vice President and Prime Minister of the UAE and Ruler of Dubai, in June.

The UAE Vice President said in June that UAE goal "is to remain a top destination for ease of doing business, through an agile economy based on flexibility and openness.” 
Filed under the category of overseas Filipino workers(OFW), household service workers, Ministry of Human Resources and Emiratization, HSW, United Arab Emirates
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As overseas Filipino workers (OFW) working in an unfamiliar territory, we feel comfortable whenever we see a compatriot or a fellow Filipino abroad. In some instances, very unfortunate things happen like getting into a trouble because of a fellow Filipino. The Department of Foreign Affairs (DFA) and the Consulate General in Saudi Arabia confirmed that an OFW was stabbed and killed by a fellow OFW in Jeddah, KSA. Ads Sponsored Links A Filipino was stabbed and killed by a fellow Filipino in Jeddah, Saudi Arabia, according to the confirmation of the Department of Foreign Affairs (DFA). The victim (name withheld) was a 29-year-old from Datu Odin Sinsuat, Maguindanao, who worked as a family driver in Jeddah. The suspect (name withheld), a 34-year-old from Capiz, also a driver for the same family The suspect remains under police custody after he was arrested immediately after the incident. The two "allegedly engaged in a fistfight in front of the house of their employer that ended in the victim getting fatally stabbed by his fellow driver." The motive of the stabbing is still unknown. The Consulate General and the Philippine Overseas Labor Office in Jeddah will extend full assistance to both Filipinos as well as their families. The victim is set for a vacation to the Philippines soon but the incident turned out to be unfortunate that he will come home inside a box. Consul General Edgar Badajos said that the suspect is facing a death sentence as per Saudi Sharia law. However, since they are both Filipinos, it is possible that the victim's family could instead He assured that they will render assistance to help both OFWs. Filed under the category of overseas Filipino workers, Filipino abroad, Department of Foreign Affairs (DFA), Saudi Arabia, stabbed, Jeddah, KSA

More often, families with overseas Filipino workers (OFW) rely on their OFW breadwinner in providing their needs and without doing any efforts to have extra income. They use the money they receive to pay their bills, rents, mortgages, etc. They tend to spend the remittances they receive and wait for the next remittance when the money is over without any savings. This is the reason why no matter how long the OFWs exhaust themselves working overseas, they are still coming home broke and without any savings. Encouraging our spouse or anyone who is responsible for the remittances you send to save could be a great help and could guarantee a hassle-free retirement, much more if they placed this savings to a profitable investment. Ads Sponsored Links Stick to a budget schedule Convince your spouse to make a monthly budget and commit to saving a portion of the monthly remittance. They could also spend the remaining part of the budget after setting aside the savings. No matter how small the savings, it could mean a lot after a period of time you regularly do it. Use the credit card wisely or do not use it at all Credit cards could be an advantage when purchasing but it can also lure the holder to spend more. Whenever possible, avoid using credit cards and use cash instead. It would save you from paying extra charges and interests which can really raise your spending. The best rule should be, do not spend the money you do not have. Always make a list of important things to buy Many OFW spouses tend to go on a shopping spree just after receiving the remittance and let their impulses lead in which items they like to buy at the very moment without putting their priorities on the things they really needed. Encourage them to develop a habit and discipline of making a list of the things they need to prioritize during shopping and strictly follow what is on the list to avoid spending too much on the things that are not really important. Live a lifestyle that suits your income Many OFW spouses live like one day millionaire. after claiming the remittances you sent, they will go straight to the mall, eat at the fast-food chain of their choice, go on a shopping spree buying what they want without even thinking if they still have the money to go through the month until the next remittance. If their budget got short, they would borrow money from someone which would cause the next budget to bear the shortage and the cycle goes on. There's nothing wrong with being generous but not too much Advise your spouse to exercise caution when giving help to extended families, relatives or friends. There is nothing wrong with extending help but there has to be a limitation. This would avoid them to become dependent on your assistance that they would knock your everytime they need financial help. Working overseas is not forever and you will eventually come home for good. It is you and your spouse who need to work hand-in-hand to succeed. Together you must find ways to take care of your finances and save for the future of your family. Filed under the category of overseas Filipino workers, extra income, bills, rents, mortgages, remittances, working overseas, retirement, investment, savings
More often, families with overseas Filipino workers (OFW) rely on their OFW breadwinner in providing their needs and without doing any efforts to have extra income. They use the money they receive to pay their bills, rents, mortgages, etc. They tend to spend the remittances they receive and wait for the next remittance when the money is over without any savings. This is the reason why no matter how long the OFWs exhaust themselves working overseas, they are still coming home broke and without any savings. Encouraging our spouse or anyone who is responsible for the remittances you send to save could be a great help and could guarantee a hassle-free retirement, much more if they placed this savings to a profitable investment. Ads Sponsored Links Stick to a budget schedule Convince your spouse to make a monthly budget and commit to saving a portion of the monthly remittance. They could also spend the remaining part of the budget after setting aside the savings. No matter how small the savings, it could mean a lot after a period of time you regularly do it. Use the credit card wisely or do not use it at all Credit cards could be an advantage when purchasing but it can also lure the holder to spend more. Whenever possible, avoid using credit cards and use cash instead. It would save you from paying extra charges and interests which can really raise your spending. The best rule should be, do not spend the money you do not have. Always make a list of important things to buy Many OFW spouses tend to go on a shopping spree just after receiving the remittance and let their impulses lead in which items they like to buy at the very moment without putting their priorities on the things they really needed. Encourage them to develop a habit and discipline of making a list of the things they need to prioritize during shopping and strictly follow what is on the list to avoid spending too much on the things that are not really important. Live a lifestyle that suits your income Many OFW spouses live like one day millionaire. after claiming the remittances you sent, they will go straight to the mall, eat at the fast-food chain of their choice, go on a shopping spree buying what they want without even thinking if they still have the money to go through the month until the next remittance. If their budget got short, they would borrow money from someone which would cause the next budget to bear the shortage and the cycle goes on. There's nothing wrong with being generous but not too much Advise your spouse to exercise caution when giving help to extended families, relatives or friends. There is nothing wrong with extending help but there has to be a limitation. This would avoid them to become dependent on your assistance that they would knock your everytime they need financial help. Working overseas is not forever and you will eventually come home for good. It is you and your spouse who need to work hand-in-hand to succeed. Together you must find ways to take care of your finances and save for the future of your family. Filed under the category of overseas Filipino workers, extra income, bills, rents, mortgages, remittances, working overseas, retirement, investment, savings
More often, families with overseas Filipino workers (OFW) rely on their OFW breadwinner in providing their needs and without doing any efforts to have extra income. They use the money they receive to pay their bills, rents, mortgages, etc. They tend to spend the remittances they receive and wait for the next remittance when the money is over without any savings. This is the reason why no matter how long the OFWs exhaust themselves working overseas, they are still coming home broke and without any savings. Encouraging our spouse or anyone who is responsible for the remittances you send to save could be a great help and could guarantee a hassle-free retirement, much more if they placed this savings to a profitable investment. Ads Sponsored Links Stick to a budget schedule Convince your spouse to make a monthly budget and commit to saving a portion of the monthly remittance. They could also spend the remaining part of the budget after setting aside the savings. No matter how small the savings, it could mean a lot after a period of time you regularly do it. Use the credit card wisely or do not use it at all Credit cards could be an advantage when purchasing but it can also lure the holder to spend more. Whenever possible, avoid using credit cards and use cash instead. It would save you from paying extra charges and interests which can really raise your spending. The best rule should be, do not spend the money you do not have. Always make a list of important things to buy Many OFW spouses tend to go on a shopping spree just after receiving the remittance and let their impulses lead in which items they like to buy at the very moment without putting their priorities on the things they really needed. Encourage them to develop a habit and discipline of making a list of the things they need to prioritize during shopping and strictly follow what is on the list to avoid spending too much on the things that are not really important. Live a lifestyle that suits your income Many OFW spouses live like one day millionaire. after claiming the remittances you sent, they will go straight to the mall, eat at the fast-food chain of their choice, go on a shopping spree buying what they want without even thinking if they still have the money to go through the month until the next remittance. If their budget got short, they would borrow money from someone which would cause the next budget to bear the shortage and the cycle goes on. There's nothing wrong with being generous but not too much Advise your spouse to exercise caution when giving help to extended families, relatives or friends. There is nothing wrong with extending help but there has to be a limitation. This would avoid them to become dependent on your assistance that they would knock your everytime they need financial help. Working overseas is not forever and you will eventually come home for good. It is you and your spouse who need to work hand-in-hand to succeed. Together you must find ways to take care of your finances and save for the future of your family. Filed under the category of overseas Filipino workers, extra income, bills, rents, mortgages, remittances, working overseas, retirement, investment, savings
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Thursday, August 23, 2018

DFA Appeal: Do Not Post Unconfirmed Infos On Social Media

We often hear cases of maltreatment among overseas Filipino workers (OFW). Scalded, beaten, and an instance also where a household service worker (HSW) was found lifeless inside a freezer in Kuwait. In spite of the government efforts to protect the OFWs, incidents like this still persist. For the love of their family, OFWs still find greener pastures by finding a work abroad without thinking about the risks and possibilities of even losing their lives.
We often hear cases of maltreatment among overseas Filipino workers (OFW). Scalded, beaten, and an instance also where a household service worker (HSW) was found lifeless inside a freezer in Kuwait. In spite of the government efforts to protect the OFWs, incidents like this still persist. For the love of their family, OFWs still find greener pastures by finding a work abroad without thinking about the risks and possibilities of even losing their lives. Advertisement The Department of Foreign Affairs (DFA) said it is looking into the case of a female overseas Filipino worker (OFW) who was found dead inside a hotel room in Jeddah, Saudi Arabia on Saturday, August 18. In a statement on Saturday, the DFA said that the Philippine Consulate General in Jeddah only learned of the death on Saturday afternoon "after it was told by a concerned member of the Filipino community." The DFA later clarified that the OFW was reported missing 3 days ago, and her body was discovered on Saturday morning. "Initial inquiries made by the Consulate revealed that the deceased was single and 52 years of age at the time of her death. She first arrived in Saudi Arabia to work as a household service worker in 2007," DFA said. Her identity was withheld, pending the notification of the victim's next of kin. "We are saddened to learn about the passing under still unknown circumstances of one of our fellow Filipino," Consul General Edgar Badajos said in the statement. He added that the Consulate General is coordinating with local authorities to determine the cause of the Filipina's death. Ads A viral social media post claiming a Filipina household worker in Bahrain suffered genital mutilation from her employer is inaccurate, the Department of Foreign Affairs said Monday. Due to the widespread of this false information, the DFA appealed to Filipinos abroad to avoid posting unverified information on social media. "While we appreciate the concern extended by our countrymen abroad about this particular case, we should also be careful about posting something of this kind on social media without first checking its veracity," DFA Undersecretary for Migrant Workers Affairs Sarah Lou Arriola said. 'Every complaint is taken seriously' Lamenting the posting of a video of a distraught Filipina on social media, Arriola said that the Philippines has to protect the interests of the victim while maintaining relations with the Gulf states. "Every complaint is taken seriously and is investigated. It does not need to go viral in social media," Arriola said. The Filipino involved in the video was already in the Philippines when the post went viral on social media, according to Ambassador to Manama Alfonso Ver. No signs of genital mutilation Foreign Affairs Secretary Alan Peter Cayetano ordered the victim brought to the hospital and undergo a medical examination, the DFA said. The medical test showed the victim had signs of physical abuse and post-traumatic stress disorder. "Doctors said that upon examination, the victim had no indications whatsoever of genital mutilation," Ver said. The DFA will assist the victim, who is undergoing continuous medical care, and will also provide her family with financial assistance. The Philippine Embassy, on the other hand, confirmed that the Filipina was underpaid. She was being paid BD90 instead of BD150 monthly. According to Ver, the embassy had gotten in touch with officials of the Bahrain Labour Market Regulatory Authority, who have promised to cooperate in the investigation. Ads The Department of Foreign Affairs (DFA) is appealing to Filipinos abroad to avoid posting unverified information on social media. The DFA issued the appeal after a social media post involving a Filipina household service worker in Bahrain who was supposedly subjected to genital mutilation by her employer went viral but later turned out to be untrue. “While we appreciate the concern extended by our kababayan abroad about this particular case, we should also be careful about posting something of this kind on social media without first checking its veracity,” Foreign Affairs Undersecretary for Migrant Workers Affairs Sarah Lou Y. Arriola said. “We have to protect the interests of our kababayan victim and at the same time make sure we do not unnecessarily strain our relations with the host state,” Undersecretary Arriola said as she lamented the posting on social media of a video showing the visibly distraught Filipina. “Every complaint is taken seriously and is investigated. It does not need to go viral in social media,” the Undersecretary said in cautioning Filipinos abroad against passing on through social media unverified information of very sensitive nature, particularly in the Middle East where there are very strict defamation laws. Ambassador to Manama Alfonso A. Ver said the woman was already in the Philippines when the post went viral but Foreign Affairs Secretary Alan Peter S. Cayetano had her located and brought immediately to the hospital for medical examination. “Doctors said that upon examination, the victim had no indications whatsoever of genital mutilation,” Ambassador Ver said. However, Ambassador Ver said the medical examination of the victim revealed signs of physical abuse and post-traumatic stress disorder. Ambassador Ver said the DFA will provide for the continuing medical care of the victim who remains confined at the hospital. The DFA Office of Migrant Workers Affairs will also provide her family with financial assistance. The envoy said the Embassy has also learned that the victim was underpaid by her employer. Instead of BD150.00, the victim was only being paid BD90.00 monthly, according to the envoy. Ambassador Ver said the Embassy has already contacted officials of the Labor Market Regulatory Authority who promised to cooperate in the investigation. He also gave assurances that the Embassy will undertake the necessary courses of action to address the other concerns of the victim Filed under the category of maltreatment, overseas Filipino workers, household service worker, Kuwait, work abroad, OFW, HSW
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The Department of Foreign Affairs (DFA) said they are looking into a case of a female OFW who was recently found dead in a room at a hotel in Jeddah, Saudi Arabia.



 DFA said that a concerned member of the Filipino community told the Philippine Consulate General in Jeddah about her death.

The OFW was reported missing for 3 already days before her body was found. According to the initial inquiries conducted by the DFA, the victim whos real name was not disclosed, was a 52-year-old OFW who first arrived at the kingdom in 2007.



Consul General Edgar Badajos said that the Consulate General is working with the with local authorities in finding out the cause of the death of the OFW.


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 Another claim that a Filipina household worker in Bahrain suffered genital mutilation from her employer but the DFA later found out that the report was not accurate.



Due to the false information that is making rounds on social media, the DFA warned Filipinos abroad to avoid posting such unverified pieces of information.



"While we appreciate the concern extended by our countrymen abroad about this particular case, we should also be careful about posting something of this kind on social media without first checking its veracity," DFA Undersecretary for Migrant Workers Affairs Sarah Lou Arriola said.

Arriola also said that such complaints are taken seriously. The OFW involved in the said video was said to be already in the Philippines as the post had become viral in social media. 


Foreign Affairs Secretary Alan Peter Cayetano immediately ordered the victim to be brought to the hospital and undergo a medical examination. Medical tests showed no signs of genital mutilation but the OFW was definitely physically abused and suffering from a post-traumatic stress disorder.

The DFA will provide financial assistance to her family with while assisting the victim in undergoing continuous medical care.

The OFW was underpaid, according to the Philippine Embassy in Bahrain. Instead of getting BD150 per month, the OFW was only being paid BD90.


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Ambassador Ver said the Embassy has already in coordination with the officials of the Labor Market Regulatory Authority for the investigation regarding the OFW's case.


He also assured that the Embassy will do the necessary action to address the other concerns of the victim
Filed under the category of maltreatment, overseas Filipino workers,  household service worker, Kuwait, work abroad, OFW, HSW

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What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc. Advertisement Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills. Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses. The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve. Ads The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP. From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year. The government said headline inflation rate went up to 4.6 % in May as compared to 2.9% last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized. Ads While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.
What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc. Advertisement Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills. Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses. The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve. Ads The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP. From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year. The government said headline inflation rate went up to 4.6 % in May as compared to 2.9% last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized. Ads While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.
What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc. Advertisement Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills. Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses. The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve. Ads The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP. From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year. The government said headline inflation rate went up to 4.6 % in May as compared to 2.9% last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized. Ads While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.
What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc. Advertisement Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills. Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses. The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve. Ads The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP. From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year. The government said headline inflation rate went up to 4.6 % in May as compared to 2.9% last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized. Ads While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.

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