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Wednesday, October 31, 2018

Applying As An HSW In The Middle East? You Must Know These Things

Before you decide to apply for a household work in Saudi Arabia or any part of the Middle East, there are many things that you should consider. We can read cases of abuse and maltreatment almost every day mostly from the Gulf area. Videos of overseas Filipino workers (OFW) deployed as household service workers asking for help are everywhere in social media. Working abroad takes a lot of sacrifices and if you are not prepared, you better back-off and re-assess yourself.

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If you decide to work as a household worker abroad especially in the Middle Eastern countries particularly in Saudi Arabia or Kuwait, you must be prepared for the worse things that could possibly happen to you.

1. Be prepared to work even if you are sick.
A Filipina domestic worker in Saudi Arabia was barely 3 months after being deployed in a Saudi household when she felt ill but she said the employer still wanted her to work. When she said she cannot work due to sickness, her sponsor took her out and told her that they will bring her to the hospital for a check-up. To the surprise of the OFW, they went straight to the airport and the employer sent her home with nothing with her.

Before you decide to apply for a household work in Saudi Arabia or any part of the Middle East, there are many things that you should consider. We can read cases of abuse and maltreatment almost every day mostly from the Gulf area. Videos of overseas Filipino workers (OFW) deployed as household service workers asking for help are everywhere in social media. Working abroad takes a lot of sacrifices and if you are not prepared, you better back-off and re-assess yourself. Ads Sponsored Links If you decide to work as a household worker abroad especially in the Middle Eastern countries particularly in Saudi Arabia or Kuwait, you must be prepared for the worse things that could possibly happen to you. 1. Be prepared to work even if you are sick. A Filipina domestic worker in Saudi Arabia was barely 3 months after being deployed in a Saudi household when she felt ill but she said the employer still wanted her to work. When she said she cannot work due to sickness, her sponsor took her out and told her that they will bring her to the hospital for a check-up. To the surprise of the OFW, they went straight to the airport and the employer sent her home with nothing with her. 2. Be prepared to live a life of a slave. Yes. Modern-day slavery still happens even at this age. Saudi sponsors spend a lot just to get a household help from abroad and they want their every pennies worth. That explains why they want you to do whatever they ask you to do. 3. Get ready to leave all the feeling of being comfortable in your home country. Aside from a different climate, get used to the feeling of not eating on time, not getting enough sleep, being locked up inside the house or being dragged around by your sponsor and asking you to clean other houses outside. 4. Prepare and guard yourself against abuse and maltreatment. An OFW from Lebanon narrated her ordeal with her employer that tried to sexually abuse her. Luckily she managed to escape after staying and sleeping in the toilet just to prevent her employer from getting to her. She was able to escape the life in her sponsor which she described as "hellish". 5. Get ready to experience the worse physical pain you could ever imagine. Imagine being scalded with oil or boiling water or being whacked by a frying pan in the head. These physical abuses are not only happening in telenovelas you used to watch in the Philippines but in real life and with you. 6. Should you want to escape from your sponsor due to severe abuse, please do not put yourself in danger. Your family is counting on you and they are also worried about you. Do not endanger your life by jumping off a building. Social media can help you. 7. Rape and sexual abuse happen and you need to keep yourself safe. Filipinas in general always observe cleanliness and personal hygiene and they do it everywhere they go. In a country where there is a strict dress code among women, that hey must be covered from head to put, sometimes, other Filipinas forget that they are not in their own home. Taking a bath and going out afterward with only a towel covering their body, it could trigger the manly nature of some employers. To avoid being a victim of such abuse, you must observe modesty and dress up accordingly. If the sponsor keeps on sexually harassing you, what the OFW did on the video above could help you get an idea on how to deal with it. If the harassment is so serious and frequent, lock yourself up in a room and find help by contacting someone that could extend help immediately. 8. Many OFW suffers broken family relationships due to distance and inadequate communication. Sadly whether the OFW admit it or not, working abroad has its consequences especially in family relationships. It could be between couples or between parents and kids. Sometimes, poor communication can cause the other half to cheat. It could ruin relationships and could break a once used to be a happy family. 9. Not all that your agency told you and what you read in the contract they make you sign in the Philippines is going to happen in its entirety. 10. Remember that by working abroad you are risking your life, your family relationship, and the safety of your children. Studies show that the children of OFWs are most prone to abuse, both physical and sexual. The worse of it, your children might suffer abuse in the hands of those who are living with them under one roof. Yes. Every parent wants the best future for their kids. With the present status of our country, it may appear as impossible to give it to them. In a country where the unemployment rate rises, prices of commodities and services increase while the salary remains less, going abroad for work may appear to be a solution but we also need to weigh the circumstances. Working abroad may benefit the family one way or another but it can possibly ruin everything if we are not careful enough. Filed under the category of Tips, OFW, Saudi Arabia, Middle East, abuse, maltreatment, overseas Filipino workers, OFW, Gulf, Working abroad

2. Be prepared to live a life of a slave.

Yes. Modern-day slavery still happens even at this age.
Saudi sponsors spend a lot just to get a household help from abroad and they want their every pennies worth. That explains why they want you to do whatever they ask you to do.

3. Get ready to leave all the feeling of being comfortable in your home country.
Aside from a different climate, get used to the feeling of not eating on time, not getting enough sleep, being locked up inside the house or being dragged around by your sponsor and asking you to clean other houses outside.

4. Prepare and guard yourself against abuse and maltreatment.
An OFW from Lebanon narrated her ordeal with her employer that tried to sexually abuse her. Luckily she managed to escape after staying and sleeping in the toilet just to prevent her employer from getting to her. She was able to escape the life in her sponsor which she described as "hellish".

5. Get ready to experience the worse physical pain you could ever imagine.
Imagine being scalded with oil or boiling water or being whacked by a frying pan in the head. These physical abuses are not only happening in telenovelas you used to watch in the Philippines but in real life and with you.

6. Should you want to escape from your sponsor due to severe abuse, please do not put yourself in danger.

Your family is counting on you and they are also worried about you. Do not endanger your life by jumping off a building. Social media can help you.
7. Rape and sexual abuse happen and you need to keep yourself safe.
Filipinas in general always observe cleanliness and personal hygiene and they do it everywhere they go. In a country where there is a strict dress code among women, where they must be covered from head to foot, sometimes, other Filipinas forget that they are not in their own home. Taking a bath and going out afterward with only a towel covering their body, it could trigger the manly nature of some employers. To avoid being a victim of such abuse, you must observe modesty and dress up accordingly.

If the sponsor keeps on sexually harassing you, what the OFW did on the video could help you get an idea on how to deal with it. If the harassment is so serious and frequent, lock yourself up in a room and find help by contacting someone that could extend help immediately.

8. Many OFW suffers broken family relationships due to distance and inadequate communication.

Sadly whether the OFW admit it or not, working abroad has its consequences especially in family relationships. It could be between couples or between parents and kids.
Sometimes, poor communication can cause the other half to cheat.
It could ruin relationships and could break a once used to be a happy family.

9. Not all that your agency told you and what you read in the contract they make you sign in the Philippines is going to happen in its entirety.
Upon arrival to your country of deployment, the employer has a different set of contract for you to sign which is far different from you signed in the Philippines. they will tell you that they will send you bank if you will not sign. Like being trapped miles away from home the poor OFWs agree to the new conditions.

10. Remember that by working abroad you are risking your life, your family relationship, and the safety of your children.
Studies show that the children of OFWs are most prone to abuse, both physical and sexual. The worse of it, your children might suffer abuse in the hands of those who are living with them under one roof.
Yes. Every parent wants the best future for their kids. With the present status of our country, it may appear as impossible to give it to them. In a country where the unemployment rate rises, prices of commodities and services increase while the salary remains less, going abroad for work may appear to be a solution but we also need to weigh the circumstances. Working abroad may benefit the family one way or another but it can possibly ruin everything if we are not careful enough.

Filed under the category of Tips, OFW, Saudi Arabia, Middle East, abuse, maltreatment, overseas Filipino workers, OFW, Gulf, Working abroad

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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

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Friday, November 24, 2017

Business Ideas You Can Start From P2,000-P350,000 Capital

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Do you like baking during free time? Why not turn your hobby into a business? A cake and pastry business is a great way to earn money even at home. With a low capital of P3,000, you can start baking bread and cupcakes to friends and on social media. Start by determining the audience you wish to cater to (moms, children, companies, etc.) and attract them into your venture. Identify your specialty and let that be the highlight of your products. Don’t forget to find a supplier who can provide ingredients at a low price and build a Facebook or Instagram page to help you advertise your business.
If you don't have the skills to bake, you can enroll to TESDA baking and pastry course at an accredited training center near you.

Items to invest in: Oven, mixer, cake pans, cupcake liners, decorating tools, cooling rack, measuring spoons, mixing bowls

Cost estimate: P3,000 to P5,000 if you already have equipment. P40,000 to P50,000 is you still have to invest in equipment and materials.

It’s easy to earn from a t-shirt printing business, especially if you already have connections within companies and organizations. Apart from customized tees, you can also focus on printing office uniforms, jerseys, hoodies, and canvas bags. However, before putting up this kind of business, it is best to learn different printing methods (digital printing, silkscreen, direct to garment) for a more specialized venture. You can start your business at a spacious garage at home or rent a small commercial space.

Items to invest in: Computer, printer for pigment ink, printer for sublimation ink, heat press, silk screen line table, rotary press, flash dryer, frames, squeegees, t-shirts

Cost estimate: P150,000 to P200,000

Interested in owning a food cart business? Find a food cart franchise that suits your budget, interest, and target market. Food carts offering one or two products typically start at a franchise fee of P50,000, which includes equipment, training, and marketing support. More popular food cart franchises like Potato Corner and Bibingkinitan can cost as much as P300,000.

When investing in a food cart business, choose a location with good foot traffic such as malls, terminals, and cafeterias. Also, don’t forget to secure an emergency fund for unforeseen circumstances. Remember that real profit only comes in once you’ve earned the money you’ve invested in your franchise fee.

Items to invest in: Whatever item you think can improve your business. Franchisors usually provide equipment and initial supplies to help start your business.

Cost estimate: P50,000 to P300,000

If you are living in an area where clean drinking water is an issue, take the opportunity and put up a water refilling business. There is a high demand for clean and drinkable water especially in rural areas. With a budget of P100,000 you can franchise a water refilling station. Starting your own brand, on the other hand, can cost as much as P350,000. The investment is worth the money, though. Water is highly profitable and does not expire unlike other products in the market.

Items to invest in: Water refilling machine, slim water bottles, round water bottles, heat gun, stickers, delivery vehicle

Cost estimate: P100,000 to P350,000

With strategy and determination, you can be your own boss even with low capital. Determine your market and find a sustainable business that suits your passion and is highly profitable as well.
Source: MoneyMax