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Showing posts with label MODERN DAY HEROES. Show all posts
Showing posts with label MODERN DAY HEROES. Show all posts

Friday, September 28, 2018

What Is Incest And How To Prevent It From Happening

Overseas Filipino workers (OFW) are willing to sacrifice everything just to give their family the best possible life they can give to their family.
They are called modern day heroes as an appreciation for their contribution to the country's economy but there are collateral damages inflicted on them by their overseas job. Broken parent-to-children relationships, broken marriages, children being exposed to drug abuse and teenage pregnancy, and worse, family involved in incest because the other partner is busy working overseas.
Overseas Filipino workers (OFW) are willing to sacrifice everything just to give their family the best possible life they can give to their family.  They are called modern day heroes as an appreciation for their contribution to the country's economy but there are collateral damages inflicted on them by their overseas job. Broken parent-to-children relationships, broken marriages, children being exposed to drug abuse and teenage pregnancy, and worse, family involved in incest because the other partner is busy working overseas.    Ads      Sponsored Links   In a report by Emil Sumangil on GMA News, "Caloy", real name withheld, the father of the victim, is doing sexual molestation on his daughter while his wife is not home. The wife is working outside the country as an OFW.   According to Police Chief Inspector Rhoderick Juan of Valenzuela Police, the suspect is doing it since his daughter was only 7 years old until his OFW wife discovered what he has been doing to his own daughter.  Caloy is now facing statutory rape charges in relation to child abuse.  The suspect is in deep remorse for what he did asking for forgiveness to his wife and daughter.    Chief Inspector Rhoderick Juan warned the public to be vigilant and observant to people's behavior even if they are a member of the family or living in the same roof.  We can be affectionate to our kids but w must know that there are limitations.  Filed under the category of Overseas Filipino workers, modern day heroes, economy, working overseas, overseas job, incest, drug abuse
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In a report by Emil Sumangil on GMA News, "Caloy", real name withheld, the father of the victim, is doing sexual molestation on his daughter while his wife is not home. The wife is working outside the country as an OFW. 

According to Police Chief Inspector Rhoderick Juan of Valenzuela Police, the suspect is doing it since his daughter was only 7 years old until his OFW wife recently discovered what he has been doing to his own daughter.

Caloy is now facing statutory rape charges in relation to child abuse.
The suspect is in deep remorse for what he did asking for forgiveness to his wife and daughter.
Overseas Filipino workers (OFW) are willing to sacrifice everything just to give their family the best possible life they can give to their family.  They are called modern day heroes as an appreciation for their contribution to the country's economy but there are collateral damages inflicted on them by their overseas job. Broken parent-to-children relationships, broken marriages, children being exposed to drug abuse and teenage pregnancy, and worse, family involved in incest because the other partner is busy working overseas.    Ads      Sponsored Links   In a report by Emil Sumangil on GMA News, "Caloy", real name withheld, the father of the victim, is doing sexual molestation on his daughter while his wife is not home. The wife is working outside the country as an OFW.   According to Police Chief Inspector Rhoderick Juan of Valenzuela Police, the suspect is doing it since his daughter was only 7 years old until his OFW wife discovered what he has been doing to his own daughter.  Caloy is now facing statutory rape charges in relation to child abuse.  The suspect is in deep remorse for what he did asking for forgiveness to his wife and daughter.    Chief Inspector Rhoderick Juan warned the public to be vigilant and observant to people's behavior even if they are a member of the family or living in the same roof.  We can be affectionate to our kids but w must know that there are limitations.  Filed under the category of Overseas Filipino workers, modern day heroes, economy, working overseas, overseas job, incest, drug abuse
Chief Inspector Rhoderick Juan warned the public to be vigilant and observant to people's behavior even if they are a member of the family or living in the same roof.
We can be affectionate to our kids but w must know that there are limitations.
Filed under the category of Overseas Filipino workers, modern day heroes, economy, working overseas, overseas job, incest, drug abuse

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Incest,  by definition, is sexual activity between family members or close relatives. This typically includes sexual activity between people in a consanguineous relationship (blood relations), and sometimes those related by affinity, stepfamily, those related by adoption or marriage, or members of the same clan or lineage.

While it can be very difficult for a family member to know if incest is occurring in the household, there are certain warning signs, said Keith Fadelici, licensed clinical social worker and the assistant director of Victims Assistance Services.

“There are no definite signs and anything on the list as an indicator is always potentially explainable in another way,” he explained. “But some of the noteworthy signs are that a child will either avoid or be very attached to that parent, that the child may act more sexual, and that a child may have either extreme fearlessness or fearfulness.”

Often, he said, young victims will respond to incest with self-injurious behavior such as drug abuse, cutting themselves or acquiring an eating disorder. These are ways that kids try to adapt to what’s happening to them, Fadelici said. Incest victims are in deep emotional pain because it is an authority figure in their life, upon whom they depend, who is victimizing them, he explained.

Incest is more likely to occur in a family where at least one parent is a stepparent, said Alan Davis, head of the National Council on Child Abuse and Family Violence, and it shows up far more often in homes where both parents are not the natural parents.

Incest marks its victims with traumatic and long-lasting effects, Davis said.

“They grow up not trusting, and it can be pretty devastating,” he explained. “And if the incest becomes a criminal matter, then it can be even more traumatic as the child must be interviewed by nonfamily members.”

Children younger than age 3 when they were victimized are less likely to suffer long-term effects, Davis said. In all cases, counseling and therapy should be provided.

“It’s possible to recover,” Davis said, “if you get help.”

If a parent is at all suspicious that incest is going on, it’s important to discuss concerns with the other parent.

“In homes where there is incest, there are usually a lot of secrets and a tendency to push one parent out of the picture,” Fadelici said. “We always advise people to pay attention to their gut feeling and to honor those feelings. As parents, give each other feedback and communicate openly. If there is anything that makes you uncomfortable about the other parent’s behavior, you should discuss it.”

Department of Social Welfare and Development (DSWD) Officer-in-Charge Emmanuel A. Leyco also expressed alarm over a recent report regarding high numbers of children in Zamboanga becoming pregnant as a result of incest and rape.

A report that came out in the Philippine Daily Inquirer by Julie Alipala titled “Zamboanga phenomenon: 10-yr-olds giving birth” cited alarming statistics from the local health office in the city: 3,249 teenagers gave birth in Zamboanga in 2017 (52 girls gave birth at ages 10-13; 552 at ages 14-16 and 2,645 at ages 17-19). Local health sources also said that there were 410 mothers with ages 10-14 in 2016, while 558 were aged between 15 and 16. Those who gave birth at ages 17-19 numbered 2,118.

The Inquirer report also stated that in 2017 alone, there 
was 126 sexually abused children in Zamboanga City. It was determined how many of these figures were victims of incest as authorities chose to categorize the cases as rape.

The Population Commission has also reported that in the Zamboanga Peninsula, five girls aged 10-14 give birth each day.
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As a move to urge Filipinos and foreign businessmen to engage in doing business in the country, President Rodrigo Duterte signed the Ease of Doing Business and Efficient Government Service Delivery Act into law in May 2018. This new law sets a deadline for the government to quickly act on business applications, about three to five days for simple processes and seven to 10 days for complex ones. Even before the effectivity of this new law, the government had already been doing its part to make business registration for prospective entrepreneurs easier by making some application processes online.   As a move to urge Filipinos and foreign businessmen to engage in doing business in the country, President Rodrigo Duterte signed the Ease of Doing Business and Efficient Government Service Delivery Act into law in May 2018. This new law sets a deadline for the government to quickly act on business applications, about three to five days for simple processes and seven to 10 days for complex ones. Even before the effectivity of this new law, the government had already been doing its part to make business registration for prospective entrepreneurs easier by making some application processes online.      Ads      Sponsored Links      The Department of Trade and Industry (DTI)’s business name registration for single proprietors is among the first processes to become digitized.  The Philippine Business Registry (PBR), DTI’s business name registration system, has been made more accessible for single business owners since 2012.    A prospective entrepreneur is not anymore required to visit DTI offices to secure a Certificate of Business Registration. With the PBR website, the certificate can even be printed in the comfort of their own home.     Here are the steps you have to take to secure that certificate.    Check the availability of a business name  Before starting the registration process, it helps to check if the business name you have in mind is still available to use. At the PBR, one can easily type in the prospective business name and it will check the database if there are enterprises already using that trade name.    A word of advice: don’t just try to check the business name you are aiming for once. Try to modify your search to save time later on. For example, if you are thinking of putting up a business called “Juan dela Cruz Services,” modify your search and break down every part of the business name from just “Juan dela” to “Cruz Services.” Some business names just differ in spacing or spelling.    The DTI also reminds applicants to ensure that the business name isn’t similar to an existing trade name or trademark, such as “Anne Dok’s Lechon,” “Jolibee” and "Starbax Café.” On the other hand, names that are too generic, such as “The Coffee Shop” for your café, aren’t permissible, too.    Business owners also can’t use the abbreviation of a government agency or international organization.    Business name registration  Once you’ve verified that your prospective business name is still available for use, you can proceed to the business name application.    Once in the page, you will be required to choose the geographic scope of the enterprise: national, regional, city or town, and barangay. If you are keen on operating a business that will reach clients in different parts of the country—for example, an online shop—then it’s best to register your scope as nationwide. The fees will vary depending on the scope, ranging from Php200 to Php2,000.    Afterward, the business owner’s personal info will be required. You will only have to submit some basic details such as tax identification number, residence address and mobile number.    By this time, you’re done with the most tedious part of the online registration process. You may now choose whether to pay cash through either a local DTI office or Go Negosyo Center, or via an online payments system.    The PBR only accepts two kinds of online payments: Bancnet and GCash. If you have an online account with any bank, then paying through Bancnet is advisable. Otherwise, a GCash account may be needed to complete the transaction.    You also have the option whether to pick up your business certificate from a local DTI office or have it printed yourself.    Once the payment is complete, a message will be sent to your e-mail on how you will retrieve the certificate based on the method you selected. Most likely, the whole process will only require 15 to 30 minutes of your time.      Filed under the category of Filipinos, foreign businessmen, President Rodrigo Duterte, Ease of Doing Business and Efficient Government Service Delivery Act, business registration, entrepreneurs,  application processes online   Ads      Sponsored Links      The Department of Trade and Industry (DTI)’s business name registration for single proprietors is among the first processes to become digitized.  The Philippine Business Registry (PBR), DTI’s business name registration system, has been made more accessible for single business owners since 2012.    A prospective entrepreneur is not anymore required to visit DTI offices to secure a Certificate of Business Registration. With the PBR website, the certificate can even be printed in the comfort of their own home.     Here are the steps you have to take to secure that certificate.    Check the availability of a business name  Before starting the registration process, it helps to check if the business name you have in mind is still available to use. At the PBR, one can easily type in the prospective business name and it will check the database if there are enterprises already using that trade name.    A word of advice: don’t just try to check the business name you are aiming for once. Try to modify your search to save time later on. For example, if you are thinking of putting up a business called “Juan dela Cruz Services,” modify your search and break down every part of the business name from just “Juan dela” to “Cruz Services.” Some business names just differ in spacing or spelling.    The DTI also reminds applicants to ensure that the business name isn’t similar to an existing trade name or trademark, such as “Anne Dok’s Lechon,” “Jolibee” and "Starbax Café.” On the other hand, names that are too generic, such as “The Coffee Shop” for your café, aren’t permissible, too.    Business owners also can’t use the abbreviation of a government agency or international organization.    Business name registration  Once you’ve verified that your prospective business name is still available for use, you can proceed to the business name application.    Once in the page, you will be required to choose the geographic scope of the enterprise: national, regional, city or town, and barangay. If you are keen on operating a business that will reach clients in different parts of the country—for example, an online shop—then it’s best to register your scope as nationwide. The fees will vary depending on the scope, ranging from Php200 to Php2,000.    Afterward, the business owner’s personal info will be required. You will only have to submit some basic details such as tax identification number, residence address and mobile number.    By this time, you’re done with the most tedious part of the online registration process. You may now choose whether to pay cash through either a local DTI office or Go Negosyo Center, or via an online payments system.    The PBR only accepts two kinds of online payments: Bancnet and GCash. If you have an online account with any bank, then paying through Bancnet is advisable. Otherwise, a GCash account may be needed to complete the transaction.    You also have the option whether to pick up your business certificate from a local DTI office or have it printed yourself.    Once the payment is complete, a message will be sent to your e-mail on how you will retrieve the certificate based on the method you selected. Most likely, the whole process will only require 15 to 30 minutes of your time.      Filed under the category of Filipinos, foreign businessmen, President Rodrigo Duterte, Ease of Doing Business and Efficient Government Service Delivery Act, business registration, entrepreneurs,  application processes online  Ads    Update: The DTI online business registration is temporarily suspended due to systems upgrade and will notify the public when it is ready. The business owners are advised to proceed to the nearest DTI offices near your area. To download the application form for business registration, you may visit the DTI official website.
The Social Security System (SSS) has announced the new batch of loan condonation program or the loan restructuring program (LRP) whereas the members with delinquent status in paying their previous loan in a period of more than 6 months will be allowed to settle their accounts without paying any penalty. Overseas Filipino workers (OFWs) in the United Arab Emirates (UAE)who currently has current unpaid loans are urged to apply for the LRP until October 1.     Ads      Sponsored Links   SSS continues to encourage its members, including OFWs, to apply for loan restructuring program with penalty condonation especially OFWs who have short-term member loans including calamity, salary, educational, and emergency loans.  Under the program, members will no longer pay the additional penalties for the unsettled loans. Members only need to pay for the annual interest alongside the principal loan.  Payments can be done in whole or on a monthly basis as long as the payment terms will not exceed 5 years.  OFWs can apply for LRP in two ways: 1. If you are currently in the UAE, you can visit the SSS office located at the Philippine Consulate in Dubai and the Philippine Embassy in Abu Dhabi.  2. OFWs can also delegate their application to their authorized representative. Give them an authorization letter to process the application through the SSS office in the Philippines.    You can download the application form at the SSS official website.              Ads     Filed under the category of Social Security System , SSS, loan restructuring program, loan condonation program, Overseas Filipino workers, United Arab Emirates , loans
Being considered as modern-day heroes, government offices, as well as some private establishment, give different perks and privileges to overseas Filipino workers (OFW). Aside from the sacrifices they had to go through just to earn better by working abroad, OFWs are the breadwinners of their families back home and the major contributor to keep the Philippine economy afloat by sending their remittances. they deserve to be rewarded by these kinds of privileges.     Ads      Sponsored Links  Exemption on Fees It’s all because of the Overseas Employment Certificate or OEC. Being an OFW, specifically, a legitimate one means you will be exempted from various fees like airport terminal fee, travel tax, and documentary stamp tax.  Tax-Free Shopping at Duty-Free If you want to do some additional shopping before heading home, then the Duty-Free Philippines can be your partner. You can enjoy tax-free shopping within 15 days from the time you arrived so you can give pasalubong to your family, relatives, and friends.   Housing Loan from SSS or PAG-IBIG Are you thinking of buying a house or giving your existing home a much-needed renovation? SSS or PAG-IBIG can help you on this since they offer housing facilities at lower rates compared to banks and other lending institutions.  SSS offers Direct Housing Facility Loan for OFWs where you can loan for as much as P2 million and payable up to 15 years maximum. On the other hand, PAG-IBIG also offers a housing loan facility for OFWs where you can borrow as much as P6 million.   Free Language Courses at TESDA Yes, you read that right. TESDA Language Skills Institute offers free language training for Spanish, English, Japanese, Mandarin, and Arabic to help Filipinos become more equipped in terms of language. This will come in handy when you are headed to any of the countries that speak any of these languages as well as an advantage on your part as OFW.  If you plan to enroll, then make sure you register early because slots are limited. Nonetheless, OFWs are given priority, but it’s best to reserve your slot early. You can check TESDA website for further details about this program.    OWWA Benefits  The Overseas Workers Welfare Administration or OWWA is the agency that protects and promotes the welfare of OFWs and their dependents. In line with this, several benefits are being offered by the agency such as onsite assistance, livelihood trainings, education assistance for dependents, counseling, and legal assistance among others.   DFA Courtesy Lanes With the recent opening of passport renewal slots (86,889 New Slots in September!), you can now apply for your passport related concern without hassle. OFWs are given access to DFA Courtesy Lanes. You don’t need to even schedule an appointment online.   No OFWs will miss a job just because of delays in Passport Application. How good is that?   Low interest loans  There are loan programs from the banks that are tailored for OFWs and they are giving it for very low-interest rates and flexible tenures.   Flexible Investment scheme from SSS  SSS provides a program they called SSS Flexi-fund where OFWs can invest their excess contributions to earn dividends and they can withdraw it anytime they wish or when they finally decided to stay home for good.         Ads     Filed under the category of modern-day heroes, overseas Filipino workers, working abroad, OFW remittances
Food, shelter, and clothing are the basic necessities of human lives.  We can choose our lifestyle whatever we want like living in a simple yet safe home and wearing modest low-end clothing to save but the rising cost of food is a serious matter and we need to do something about it.  Imagine that you are earning just enough to pay your bills, mortgages and other household expenses and your company seldom give you a raise in your salary. Even the families of overseas Filipino workers (OFW) are finding it difficult to budget the remittances they receive due to inflation. Everything has increased its prices and you need to catch up.      Ads     Sponsored Links  Here are some practical tips to save money on food items.      Make A Shopping List And Stick to It  Planning your meals for the week and carefully selecting specific ingredients to buy can save a lot out of your food budget. With the list on hand, purchase only the items  you need to buy and avoid impulse buys.      Eat Before You Shop  When you are hungry and you walk into a building full of food, it is more likely that you are going to grab unnecessary and expensive items that appeal more to your palate than your pocket. It is highly advised that you eat first and shop.     Avoid Fastfoods   Ready-made meals are easy to buy but come with a cost. Instead of eating in fast food or restaurant, buy the ingredients and do it at home preparing the meal yourself. It could save you a lot and still keep the leftovers for the next meal.    Do Not bring Your Kids While Shopping  Every extra minute that you spend in the store increases the chances of you buying more and this includes toys and snacks meant to keep the kids behave while you try to focus on your hunt for a good bargain. Do not bring your kids with you while shopping to save time and money.      Buy in Bulk  Buying in bigger packaging can save you a lot. You can usually find great deals in buying a larger packaging. However, pay attention to your spending habits and consider your storage capacity.        Use Store Reward Cards And Coupons  Coupons provide an easy way to save money. There is no harm in clipping them and using them in purchasing foods, helping you save on your food shopping cost.       Buy locally produced foods  Locally grown or produced food is cheaper because you don't pay for long transportation costs. You also help local farmers and food producers meet their daily needs as well.   Compare Store Prices; Grab the cheapest  Have an assessment of which stores offers lower prices for particular food items and buy it from them. Some grocery stores have special prices for a specific item and they are not often applicable to other stores. Be aware of the price tags and grab it where it cost the lowest.   Look Down at the lower shelf  Most expensive items are usually displayed at eye-level. To find less expensive items, look down.     Avoid the Checkout Temptations  Beware of the displays placed at the end of each aisle. They often feature premium brands and they are placed there for a purpose.    Shop for Sales  Pay attention to sales on necessity items and stock up on non-perishables and freezer goods. Be mindful of the expiration date because most of the sale items are often near expiration dates.  Ads    Shop Infrequently  Reducing the number of trips that you make to the store each week or month reduces the chances of unnecessary purchases and minimizes the amount of transportation cost spent getting there.    Pay in Cash  Avoid using your credit card in purchasing food. If you don't pay off the card in full each month, you pay interest on the purchase. To avoid paying the extra cost, use cash when you shop.    Check Your Bill  Electronic scanners make the shopping experience faster and more convenient, however, scanners aren't foolproof. Take a look at the receipt to make sure your coupons and discounts were accurate.    In addition to this, try planting edible plants and vegetables and use it to save on your next food purchase. Having an organic vegetable garden in your yard lets you eat your favorite veggise for free.
Our country is now experiencing high inflation rate like its neighboring countries. The only thing is that, while other countries in the region like India, Malaysia, Thailand, Indonesia, etc., seems to recuperate with high inflation rates, we are just started to hit the peak.   The high inflation rate is so evident that even the families of overseas Filipino workers  (OFW) who used to catch up with their expenses using the remittances sent by the OFWs to pay their bills, mortgages etc., are now complaining of budget shortage due to high prices of food items, transportation, and basic commodities.   Recruitment and migration expert Emmanuel Geslani even advised the OFWs to send at least 20% more remittances in order for their families to cope up as the prices soar high.  Could it really help? How do we beat the high prices brought about by the inflation?    Ads     Sponsored Links    As we are all affected by high prices, there is a need for a concerted effort by all sectors to work together to beat inflation. This is not the challenge for the government alone. The private sector, media, and consumers alike must also pitch in. Expectations can only be calmed by a perspective view that this condition is temporary.      Keep a record of your spendings  Tracking your expenses by keeping a record and listing down your purchases. It will allow you to determine your average spendings. You can compare them and find out which will be your basis of a monthly allowance. Check out which month you spent the least and make it a reference for your preceding monthly budget plan.    Have a contingency budget of at least 10% every payday  Set aside at least 10%  from your monthly take-home pay for emergency purposes. Financial emergencies are inevitable and it is important that we are ready.    Watch your lifestyle  We often hear that we should not spend more than what we earn. Buying things that you need must be a priority over the things that you want.    Exercise frugality  Saving for the future benefit none other than yourself. The money you save today could save your life in the future. Everyone will come to their retirement but some of them will not retire well. Spending your money like there will be no tomorrow will render you broke on your retirement. As the inflation rate soar, buy only where you can save a lot like on sale items.    Keep your spending for needs only  Shopping for things you want but you don't really need could make the effect of the high inflation even worse.    Look for extra income  Even if you have a pretty decent take-home pay, having a side hustle will be a great help during this time where the prices of almost everything are rising. Having an extra income could help you beat the effects of the high inflation rate.    Invest  The best way to save is not by putting your money in the bank but to find a profitable investment to make your money grow. Over the years, with the right investments, your money will grow rapidly compared with just putting it into a savings deposit. However, be careful where you invest. Make sure you are putting your hard-earned money to legitimate investments.   Filed under the category of high inflation rate, India, Malaysia, Thailand, Indonesia, OFW, mortgages, transportation, Recruitment, migration.   Ads

Friday, August 31, 2018

OFW In Dubai Is The Newest Millionaire Just By Sending Remittances To Her Family

The overseas Filipino workers (OFW) are called modern day heroes because of the remittances they religiously send to their loved ones in the Philippines. It is also a great help to keep the country's economy afloat in spite of the high inflation rate that is experienced across the nation.
An OFW in UAE, never in her wildest dream that she thinks that she will be handsomely rewarded just by fulfilling her duties to provide the needs of her family through sending monthly remittances.

The overseas Filipino workers (OFW) are called modern day heroes because of the remittances they religiously send to their loved ones in the Philippines. It is also a great help to keep the county's economy afloat in spite of the high inflation rate that is experienced across the nation.  An OFW in UAE, never in her wildest dream that she thinks that she will be handsomely rewarded just by fulfilling her duties to provide the needs of her family through sending monthly remittances.     Ads     Sponsored Links   A Filipino domestic worker in Dubai, United Arab Emirates won 1 million dirhams (around P14.5 million) in a raffle for remitting to her family in the Philippines.    “I was very surprised to be this year’s millionaire,” Gina Soriano, the fifth winner of the raffle’s grand prize, told Gulf News yesterday, Aug. 29. “This is a life-changing event that will surely help me improve my life and realize my dreams, including providing a decent life for my family.”    Soriano beat the odds after being the lucky pick out of five million raffle entries.    {Apparently, Soriano, who has been working in the UAE for ten years, sent 1,695 dirhams (about P24,600) to the family she left behind, the report stated. Al Ansari Exchange, the UAE-based foreign exchange, and money transfer company, held a raffle in connection with their two-month rewards promotion.    Soriano was given a raffle coupon after sending money home. The raffle included prizes such as a brand new car and money. Out of the five million entries all over the UAE, nine coupons, including Soriano’s, were drawn on Aug. 14 for the pre-qualifying round.      The final draw for the 1 million dirhams grand prize was made last Tuesday, Aug. 28. The draw was streamed live and Soriano was declared the winner.    “We hope that the cash prize will make a positive difference in her life and her family’s life,” Rashid Al Ansari, general manager of the company, said in the report. “We were also overwhelmed by the number of entries we received during this year’s promo.”    Aside from Soriano, two other Filipinos were awarded prizes from the raffle. Honesto Dela Cruz won 10,000 dirhams (around P145,500) while expat Antonio Artisuela Cano took home a Mercedes Benz 2018 model
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“I was very surprised to be this year’s millionaire,” said Gina Soriano, the fifth winner of the raffle’s grand prize on Aug. 29. Soriano also said that her winning is a life-changing event that will surely help her improve the life of her family.

Soriano beat the odds after being the lucky pick out of five million raffle entries at a draw hosted by a big remittance and foreign exchange company based in the UAE, Al Ansari Exchange.

A raffle coupon is given after sending money home. The raffle included prizes such as a brand new car and money. Out of the five million entries all over the UAE, nine coupons, including Soriano’s, were drawn on Aug. 14 for the pre-qualifying round.
The final draw for the 1 million dirhams grand prize was made last  Aug. 28. The draw was streamed live and Soriano was declared the winner.

“We hope that the cash prize will make a positive difference in her life and her family’s life,” said Rashid Al Ansari, the general manager of the company.

Two other Filipinos also won prizes from the raffle. 10,000 dirhams for  OFW Honesto Dela Cruz while OFW Antonio Artisuela Cano bagged a brand new Mercedes Benz 2018 model.

Last year, Al Dizon Bansil, an engineer working in the UAE for eleven years, won the 1 million dirhams prize from the same raffle.


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Filed under overseas Filipino workers, modern day heroes,  remittances, high inflation rate, UAE, 
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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.
©2018 THOUGHTSKOTO

Friday, July 14, 2017

Where and How Do OFW Families Spend The Remittances They Receive?


One reason that keeps the Philippine economy afloat are the dollar remittances coming from the Overseas Filipino Workers (OFWs). It is being sent to their families who spend them for their everyday needs. 
In December last year, OFW remittances reached a new record high of $2.56 billion  which exceeded government target.
Bangko Sentral ng Pilipinas showed that the cash remittances last December were the highest monthly inflow to date and were up 3.6 percent from the $2.47 billion during the same month of the previous year.

Remittances serve as the direct outcome of labor migration and the most important source of dollar reserve for the country. Though the years, the OFWs acted as a savior of the Philippine economy. Almost 10 million OFWs and counting leave their families behind and work for slightly higher salaries they cannot find in their home country. They sacrifice in exchange for the better future they can possibly give to their family, hence the term "modern day heroes".

However, the better future they aim depends on how their family back home spend the remittances they send. That's why there are OFWs, after many years of working overseas, remain broke because they lack financial wisdom to channel these hard-earned money to the right expenditures. They most likely spend it to what they want instead of what they need.

How do OFW families spend the remittances they receive?
Bangko Sentral ng Pilipinas (BSP) survey of 2016 shows that recipients allocate their remittances more on consumables. For instance, 97.3 percent are for food and other household needs.

However,  Asia Development Bank (ADB) stated that families sometimes compromise and lower their food expenses. OFW families allocates larger portion of their remittances for education (70 %), purchase of consumer durables (21.9%), and house purchase (11 %), investment (6.5 %), and miscellaneous expenses (4.5 %).

The expenditure of the remittance-receiving families is closely monitored by the government because it reflects the general condition of the country. 

In this way, OFWs can expect a better return of investment because of the government efforts to further allow recipients to avail and spend more money on government programs. At the same time, investments on education and nonfood expenditure can impart a long-term growth on the economy because of the higher probability of producing better human resources for the country.

The government formulated programs for the OFW families to be financially literate. There are also programs for the spouses of the OFWs who want to start a small business to help their husband/wife who is working abroad.

Another expenditure of the family-receiving remittance is their allocation on savings. According to data by BSP, 43.2 percent of Filipinos who are considered mostly put their savings at home.

Moreover, a portion of OFW households, especially those who left the country for the first time, allotted part of their remittances for debt payments (46.5 %). Geographically speaking, large portion of the OFW households in the NCR allocated their remittances to pay their debts, for purchase of food and other household needs, they stretch their budget on what is left. Their budget for investment follows as they get rid of the debts.

If the OFW families could spend the remittances wisely with at least 30% would go to savings or investment, every OFWs sacrifices will not be in vain. They must work hand in hand to make the better future they aim to come into reality.
Many OFWs has now become successful in handling their finances by educating themselves and through government  programs.
The key is to determine how much do you need to allocate on expenditures and spend only within your means. 

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Friday, February 03, 2017

SEN. CAYETANO, SUPPORTS CALL FOR THE ABOLITION OF OEC AND TERMINAL FEE


Labor groups who are pushing for the abolition of different fees that burden Overseas Filipino Workers finds favor in the person of Senator Alan Peter Cayetano.  The senator expressed his support for the abolition of policies that burden the OFWs.




Labor groups who are pushing for the abolition of different fees that burden Overseas Filipino Workers finds favor in the person of Senator Alan Peter Cayetano.

The senator expressed his support for the abolition of policies that burden the OFWs.


In particular, Cayetano is pushing for the abolition of Overseas Employment Certificate (OEC) and the collection of terminal fees.


READ MORE:

Pres.Duterte urged: Abolish Placement Fees

TAGALOG - OEC, GUIDE TO KNOW AND WHAT TO DO IF YOU ARE EXEMPTED OR NOT.

NO MORE TERMINAL FEE FOR OFWS BY MARCH 2017

STEP BY STEP ON HOW TO CLAIM THE P550 TERMINAL FEE REFUND AT NAIA

Local and overseas job fair schedule of DOLE starting this February 2017




Last week, OFWs in Hong Kong protested against the same policies outside of the Office of the Philippine Consulate General.

They claimed that the procedure introduced by the Department of Labor and Employment for securing the OEC in order to earn a refund of the terminal fee led to a “chaotic system that caused missed flights, long queues, fixers, and unnecessary expenses.”

Cayetano added that by law, migrant workers are exempted from paying the terminal fee. But since it is included in the ticket prices, they still have to line up to get refunds, which at times even caused missed flights.


On the other hand, Garry Martinez of Migrante International called the OEC as "money making scheme of the government hence, urging President Rodrigo Duterte to permanently abolish the OEC.

A study by Migrante International showed that every newly-hired OFW shells out an average of Php30,000 in the processing of documents. This amount ballooned from 2010’s average cost of P18,000 per new contract.

(The long  line for the terminal fee refund at NAIA Terminal 3 - CTO Hong Kong News)

Last month, a labor group was urging President Rodrigo Duterte to abolish all kinds of recruitment fees, being asked from workers who want to work abroad particularly the placement fees.


According to Public Services Labor Independent Confederation (PSLINK) President Annie E. Geron said that the imposition of recruitment fees has led only to exploitation of overseas Filipino workers (OFWs).









©2017 THOUGHTSKOTO