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Showing posts with label working abroad. Show all posts
Showing posts with label working abroad. Show all posts

Tuesday, November 20, 2018

CPD No Longer Required For PRC Renewal Of OFWS Should The CPD Act Be Amended

In the present rule of the Professional Regulation Commission, all professionals including those who are working abroad as overseas Filipino workers (OFW) are required to undergo CPD training and exams before they can secure or renew their professional license.

“I am confident that the committee on higher and technical education, through this technical working group, will immediately thresh out the important issues regarding this Continuing Professional Development Act,” said one of the author of the bill which seek to  repeal or change the “Continuing Professional Development Act of 2016” or  Republic Act 10912.

In the present rule of the Professional Regulatory Commission, all professionals including those who are working abroad as overseas Filipino workers (OFW) are required to undergo CPD training and exams before they can secure or renew their professional license.    “I am confident that the committee on higher and technical education, through this technical working group, will immediately thresh out the important issues regarding this Continuing Professional Development Act,” said one of the author of the bill which seek to  repeal or change the “Continuing Professional Development Act of 2016” or  Republic Act 10912.        Ads  Sponsored Links          The panel, chaired by Antique Rep. Paolo Everardo Javier, created a technical working group (TWG) to draft a substitute bill on measures seeking to amend or repeal Republic Act 10912 or the “Continuing Professional Development Act of 2016”.  “The law should be amended or even repealed for the sake of our OFWs and local professionals,” Ako Bicol party-list Rep. Rodel Batocabe, one of the authors of the bill, said.  Batocabe, along with fellow Ako Bicol Party-list Reps. Alfredo Garbin, Jr. and Christopher Co filed House Bill 6461 seeking to exempt overseas Filipino workers (OFWs) from the continuing professional development requirements in the renewal of their license under the Professional Regulation Commission (PRC).  “I am merely voicing out the sentiments of our constituents, particularly OFWs who are unduly burdened by this requirement of a mandatory Continuing Professional Development in order to renew their professional license,” Batocabe said.  He said OFW professionals already undergo professional development in their employment or by their employers abroad.  “So, requiring them to undergo another continuing professional development here, for purposes of license renewal, is already excessive,” Batocabe said.  “Another thing is, during the period when OFWs work abroad, they are in fact outside the jurisdiction of the PRC, so it would be absurd if their license renewal should be subject to the requirements of the PRC while these OFWs are abroad,” he added.  ACT Teachers party-list Rep. Antonio Tinio and Bayan Muna party-list Rep. Carlos Isagani Zarate insisted that RA 10912 should be repealed, citing that its implementation has imposed multiple, logistical and psychological burdens on professionals especially to nurses and teachers.  For his part, Quezon City Rep. Winston Castelo described as burdensome the practice of continuing professional development not only to the OFWs but to all licensed professionals.  Under the law, PRC undertakes the overall implementation of the CPD programs together with the Professional Regulatory Boards (PRBs).   Filed under the category of technical education, Continuing Professional Development Act of 2016, Professional Regulatory Commission, CPD, overseas Filipino workers (OFW), working abroad.

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The panel, chaired by Antique Rep. Paolo Everardo Javier, created a technical working group (TWG) to draft a substitute bill on measures seeking to amend or repeal Republic Act 10912 or the “Continuing Professional Development Act of 2016”.
“The law should be amended or even repealed for the sake of our OFWs and local professionals,” Ako Bicol party-list Rep. Rodel Batocabe, one of the authors of the bill, said.
Batocabe, along with fellow Ako Bicol Party-list Reps. Alfredo Garbin, Jr. and Christopher Co filed House Bill 6461 seeking to exempt overseas Filipino workers (OFWs) from the continuing professional development requirements in the renewal of their license under the Professional Regulation Commission (PRC).
“I am merely voicing out the sentiments of our constituents, particularly OFWs who are unduly burdened by this requirement of a mandatory Continuing Professional Development in order to renew their professional license,” Batocabe said.
He said OFW professionals already undergo professional development in their employment or by their employers abroad.
“So, requiring them to undergo another continuing professional development here, for purposes of license renewal, is already excessive,” Batocabe said.
“Another thing is, during the period when OFWs work abroad, they are in fact outside the jurisdiction of the PRC, so it would be absurd if their license renewal should be subject to the requirements of the PRC while these OFWs are abroad,” he added.
ACT Teachers party-list Rep. Antonio Tinio and Bayan Muna party-list Rep. Carlos Isagani Zarate insisted that RA 10912 should be repealed, citing that its implementation has imposed multiple, logistical and psychological burdens on professionals especially to nurses and teachers.
For his part, Quezon City Rep. Winston Castelo described as burdensome the practice of continuing professional development not only to the OFWs but to all licensed professionals.
Under the law, PRC undertakes the overall implementation of the CPD programs together with the Professional Regulatory Boards (PRBs).
Filed under the category of technical education, Continuing Professional Development Act of 2016, Professional Regulatory Commission, CPD, overseas Filipino workers (OFW), working abroad. 
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ur fervent warning to all: do not trust anyone you only knew over the internet.  Being compassionate is one of the good traits of the Filipinos especially the overseas Filipino workers (OFW). They could not help but extend help when they know that somebody needed it badly.  The downside of it is that they are being vulnerable to abuse. Just like an OFW who was victimized by a scammer whom he only knew on social media. The suspect asked him to give money over reasons he only made up and ran away with a sum of P4 million.     Ads     Sponsored Links  The suspect was arrested by the operatives of the National Bureau of Investigation (NBI) Anti-Graft Division following the complaints of his OFW victim, Dale (real name withheld) that he made up stories to gain the victim's compassion and extort money from the poor victim.  The suspect, Jason Rabe, was arrested inside a mall.  Dale narrated that he was giving cash to the suspect in multiple occasions since last year.  Rabe told the OFW that he needed money for the hospitalization of his sibling. He also told the OFW that his parents and his other sibling died just recently.  In total, including the money he sent for an alleged business investment, the suspect took P4 million cash from the OFW victim.  With growing suspicion, the OFW finally investigated and found out that there was no business investment and all the stories that the suspect was telling him were all nonexistent and made up by the suspect to extort cash from him.  NBI Anti-Graft Division acting chief Nathaniel Ramos warns the public to be very cautious, observant and vigilant especially on those people whom you only knew online Rabe is now caressing the iron bars in effect of violation to Cybercrime Prevention Act of 2012 and estafa charges.  Filed under the category of warning,  internet,  compassionate, abuse, scammer,  social media, OFW, overseas Filipino workers
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A Filipino woman faked her own death and stole her sister’s identity just to apply for a passport. Unfortunately, she is now about to lose her U.S. citizenship. Identity theft is a serious crime.      Ads  Sponsored Links  A 43-year-old Emilita Arindela, of Mount Desert Island, was sentenced to 10 days in jail for making a false statement on her passport application in federal court in Maine. It’s unclear if she will be stripped off of her American citizenship by federal authorities but it is more likely to happen.  Prosecutors say Arindela was already married when she married an American man in 2000. She moved to the U.S. in 2002 and later became a naturalized citizen, using her sister’s name. Arindela left her second husband and married another man in 2007.  Arindela’s lawyer says his client escaped an abusive marriage in the Philippines and has been a obedience to the US laws. Filed under the category of  Filipino woman , passport, U.S. citizenship, Identity theft
In spite of the rising prices of commodities and services and others due to the high inflation rate, many Filipinos believe that the country is on the right track. Just recently, the new minimum fare is being set to P10 while the minimum wage remains stuck. That is what the latest SWS survey indicates.      Ads      Sponsored Links   The latest survey shows that from 70% in the second quarter of this year, the statistics went up to 75%.  On the other hand, only 22% believed the Philippines is in the wrong path while 3% of the 1,500 respondents did not give an answer during the conducted survey.  Malacañang welcomes this result as a vindication that the administration is doing their job the keep the country on track.  “PRRD emphasized in numerous occasions that as government workers, we are here to serve the people. Our objective as public servants is thus being able to perform our respective duties well,” Presidential spokesperson Salvador Panelo said.  “Therefore, we treat the results of this recent survey not as an accolade but as an inspiration for our men and women in the government as they persist in carrying on with their roles in the service,” Panelo added.  According to the presidential spokesperson, the strong public appreciation would further engage the Filipino people in supporting the Duterte administration in building “a nation where all Filipinos can experience comfortable and decent lives under a trustworthy government.” Filed under the category of commodities and services, high inflation rate, Filipinos, minimum fare, minimum wage, SWS survey
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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.

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

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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

Monday, October 22, 2018

Is P50,000 Enough for OFWs' 3-Week Vacation in the Philippines?




After a year or two of working abroad, a well-deserved vacation is the most awaited part of every Overseas Filipino Workers (OFWs). Not just for OFWs but also their families are looking forward to these days to come. For many OFWs, if not all, vacationing in the Philippines is like a feast — non-stop eating, drinking, shopping, and catching up with family and friends.   But for some, going back in the country is also worrying about relatives and neighbors asking for money and "pasalubongs" from abroad especially if you don't have enough fund to spend on vacation. But how much money OFW should have when vacationing in the Philippines for three weeks or a month? Is P50,000 enough?  One OFW narrates on Reddit about his recent vacation in the Philippines and talks about his frustrating experience when he visited his relatives in the country. The Reddit user came under the name of "crazy4dcoffee" who lives in the USA. Recently, he paid a three-week vacation to the Philippines with his grandmother and was given a $1,000 allowance by his parents to spend during his stay in the country. He thought that the pocket money is a bit too much but when he meets his relatives, he found out that he was wrong.  “[For two weeks], I stayed with my mom’s sister and her family. Now let me tell you this – the block that my aunt lives on – their cousins, and other second and third cousins live there. Some of them I have no idea who they are but my luggage was packed with gifts for these people and also cash,”   He said that he immediately lost P11,000 from his pocket money because of the cash he gave his Filipino relatives.  “Now I had P39,000 left. I still had 17 days left. I thought it would last me but no it did not,” he said.  He even got mad when some of his relatives asked him to pay for their electricity bills and tuition fees. Not only this because some of his relatives would put him in a  difficult situation by asking money from him in front of everyone else so that he won’t be able to refuse. Some are also stealing instead of asking money and other items from him.   “I’m not trying to make it look like all Filipino relatives are like this, but why do you think just because I’m from abroad, I am mayaman or rich like why can’t I just be me? Of course, I have money. I’m on a foreign land on vacation. But it does not make me a walking bank account,” he said. “Also hate when they guilt trip you for not giving money and tell sob stories so you feel bad and give in,” he added.  The Reddit user even recalled times that his relatives invited him to eat outside, but asked him to pay for their meal for 12 people. He also talked about ungrateful relatives who cannot be happy with his pasalubong because of the shoes she wants is not there.   “Also, my mom’s sister got a lot of clothes. She got two shorts, t-shirts, and even some chocolates, but got mad at me because the shoes she requested wasn’t there. I had to explain to her that I had no more space in my luggage and that she got a lot already, it won’t be fair. She said next time we go home she expects the shoes. My blood was boiling to the max,” he said  “I hate that I feel this way but why are some relatives such parasites,” he said at the end of his post.  Indeed, for OFWs, it is stressful and frustrating to have relatives that treat you like an ATM just because you are working abroad. So for OFWs who are heading home, do not tolerate these traits and slowly educate your family members and relatives that working abroad is not an easy job. Also, learn to say "No" when someone asks for this and that. Remember you don't have to give in to everyone's demand.  Set your budget when vacationing home because no amount of money is enough if "party here and party there" is the situation on your vacation.

After a year or two of working abroad, a well-deserved vacation is the most awaited part of every Overseas Filipino Workers (OFWs). Not just for OFWs but also their families are looking forward to these days to come. For many OFWs, if not all, vacationing in the Philippines is like a feast — non-stop eating, drinking, shopping, and catching up with family and friends. 


But for some, going back in the country is also worrying about relatives and neighbors asking for money and "pasalubongs" from abroad especially if you don't have enough fund to spend on vacation. But how much money OFW should have when vacationing in the Philippines for three weeks or a month? Is P50,000 enough?

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One OFW narrates on Reddit about his recent vacation in the Philippines and talks about his frustrating experience when he visited his relatives in the country. The Reddit user came under the name of "crazy4dcoffee" who lives in the USA.

Recently, he paid a three-week vacation to the Philippines with his grandmother and was given a $1,000 allowance by his parents to spend during his stay in the country. He thought that the pocket money is a bit too much but when he meets his relatives, he found out that he was wrong.

He said that he immediately lost P11,000 from his pocket money because of the cash he gave his Filipino relatives.

After a year or two of working abroad, a well-deserved vacation is the most awaited part of every Overseas Filipino Workers (OFWs). Not just for OFWs but also their families are looking forward to these days to come. For many OFWs, if not all, vacationing in the Philippines is like a feast — non-stop eating, drinking, shopping, and catching up with family and friends.   But for some, going back in the country is also worrying about relatives and neighbors asking for money and "pasalubongs" from abroad especially if you don't have enough fund to spend on vacation. But how much money OFW should have when vacationing in the Philippines for three weeks or a month? Is P50,000 enough?  One OFW narrates on Reddit about his recent vacation in the Philippines and talks about his frustrating experience when he visited his relatives in the country. The Reddit user came under the name of "crazy4dcoffee" who lives in the USA. Recently, he paid a three-week vacation to the Philippines with his grandmother and was given a $1,000 allowance by his parents to spend during his stay in the country. He thought that the pocket money is a bit too much but when he meets his relatives, he found out that he was wrong.  “[For two weeks], I stayed with my mom’s sister and her family. Now let me tell you this – the block that my aunt lives on – their cousins, and other second and third cousins live there. Some of them I have no idea who they are but my luggage was packed with gifts for these people and also cash,”   He said that he immediately lost P11,000 from his pocket money because of the cash he gave his Filipino relatives.  “Now I had P39,000 left. I still had 17 days left. I thought it would last me but no it did not,” he said.  He even got mad when some of his relatives asked him to pay for their electricity bills and tuition fees. Not only this because some of his relatives would put him in a  difficult situation by asking money from him in front of everyone else so that he won’t be able to refuse. Some are also stealing instead of asking money and other items from him.   “I’m not trying to make it look like all Filipino relatives are like this, but why do you think just because I’m from abroad, I am mayaman or rich like why can’t I just be me? Of course, I have money. I’m on a foreign land on vacation. But it does not make me a walking bank account,” he said. “Also hate when they guilt trip you for not giving money and tell sob stories so you feel bad and give in,” he added.  The Reddit user even recalled times that his relatives invited him to eat outside, but asked him to pay for their meal for 12 people. He also talked about ungrateful relatives who cannot be happy with his pasalubong because of the shoes she wants is not there.   “Also, my mom’s sister got a lot of clothes. She got two shorts, t-shirts, and even some chocolates, but got mad at me because the shoes she requested wasn’t there. I had to explain to her that I had no more space in my luggage and that she got a lot already, it won’t be fair. She said next time we go home she expects the shoes. My blood was boiling to the max,” he said  “I hate that I feel this way but why are some relatives such parasites,” he said at the end of his post.  Indeed, for OFWs, it is stressful and frustrating to have relatives that treat you like an ATM just because you are working abroad. So for OFWs who are heading home, do not tolerate these traits and slowly educate your family members and relatives that working abroad is not an easy job. Also, learn to say "No" when someone asks for this and that. Remember you don't have to give in to everyone's demand.  Set your budget when vacationing home because no amount of money is enough if "party here and party there" is the situation on your vacation.
He even got mad when some of his relatives asked him to pay for their electricity bills and tuition fees. Not only this because some of his relatives would put him in a difficult situation by asking money from him in front of everyone else so that he won’t be able to refuse. Some are also stealing instead of asking money and other items from him.
After a year or two of working abroad, a well-deserved vacation is the most awaited part of every Overseas Filipino Workers (OFWs). Not just for OFWs but also their families are looking forward to these days to come. For many OFWs, if not all, vacationing in the Philippines is like a feast — non-stop eating, drinking, shopping, and catching up with family and friends.   But for some, going back in the country is also worrying about relatives and neighbors asking for money and "pasalubongs" from abroad especially if you don't have enough fund to spend on vacation. But how much money OFW should have when vacationing in the Philippines for three weeks or a month? Is P50,000 enough?  One OFW narrates on Reddit about his recent vacation in the Philippines and talks about his frustrating experience when he visited his relatives in the country. The Reddit user came under the name of "crazy4dcoffee" who lives in the USA. Recently, he paid a three-week vacation to the Philippines with his grandmother and was given a $1,000 allowance by his parents to spend during his stay in the country. He thought that the pocket money is a bit too much but when he meets his relatives, he found out that he was wrong.  “[For two weeks], I stayed with my mom’s sister and her family. Now let me tell you this – the block that my aunt lives on – their cousins, and other second and third cousins live there. Some of them I have no idea who they are but my luggage was packed with gifts for these people and also cash,”   He said that he immediately lost P11,000 from his pocket money because of the cash he gave his Filipino relatives.  “Now I had P39,000 left. I still had 17 days left. I thought it would last me but no it did not,” he said.  He even got mad when some of his relatives asked him to pay for their electricity bills and tuition fees. Not only this because some of his relatives would put him in a  difficult situation by asking money from him in front of everyone else so that he won’t be able to refuse. Some are also stealing instead of asking money and other items from him.   “I’m not trying to make it look like all Filipino relatives are like this, but why do you think just because I’m from abroad, I am mayaman or rich like why can’t I just be me? Of course, I have money. I’m on a foreign land on vacation. But it does not make me a walking bank account,” he said. “Also hate when they guilt trip you for not giving money and tell sob stories so you feel bad and give in,” he added.  The Reddit user even recalled times that his relatives invited him to eat outside, but asked him to pay for their meal for 12 people. He also talked about ungrateful relatives who cannot be happy with his pasalubong because of the shoes she wants is not there.   “Also, my mom’s sister got a lot of clothes. She got two shorts, t-shirts, and even some chocolates, but got mad at me because the shoes she requested wasn’t there. I had to explain to her that I had no more space in my luggage and that she got a lot already, it won’t be fair. She said next time we go home she expects the shoes. My blood was boiling to the max,” he said  “I hate that I feel this way but why are some relatives such parasites,” he said at the end of his post.  Indeed, for OFWs, it is stressful and frustrating to have relatives that treat you like an ATM just because you are working abroad. So for OFWs who are heading home, do not tolerate these traits and slowly educate your family members and relatives that working abroad is not an easy job. Also, learn to say "No" when someone asks for this and that. Remember you don't have to give in to everyone's demand.  Set your budget when vacationing home because no amount of money is enough if "party here and party there" is the situation on your vacation.
The Reddit user even recalled times that his relatives invited him to eat outside, but asked him to pay for their meal for 12 people. He also talked about ungrateful relatives who cannot be happy with his pasalubong because of the shoes she wants is not there.
After a year or two of working abroad, a well-deserved vacation is the most awaited part of every Overseas Filipino Workers (OFWs). Not just for OFWs but also their families are looking forward to these days to come. For many OFWs, if not all, vacationing in the Philippines is like a feast — non-stop eating, drinking, shopping, and catching up with family and friends.   But for some, going back in the country is also worrying about relatives and neighbors asking for money and "pasalubongs" from abroad especially if you don't have enough fund to spend on vacation. But how much money OFW should have when vacationing in the Philippines for three weeks or a month? Is P50,000 enough?  One OFW narrates on Reddit about his recent vacation in the Philippines and talks about his frustrating experience when he visited his relatives in the country. The Reddit user came under the name of "crazy4dcoffee" who lives in the USA. Recently, he paid a three-week vacation to the Philippines with his grandmother and was given a $1,000 allowance by his parents to spend during his stay in the country. He thought that the pocket money is a bit too much but when he meets his relatives, he found out that he was wrong.  “[For two weeks], I stayed with my mom’s sister and her family. Now let me tell you this – the block that my aunt lives on – their cousins, and other second and third cousins live there. Some of them I have no idea who they are but my luggage was packed with gifts for these people and also cash,”   He said that he immediately lost P11,000 from his pocket money because of the cash he gave his Filipino relatives.  “Now I had P39,000 left. I still had 17 days left. I thought it would last me but no it did not,” he said.  He even got mad when some of his relatives asked him to pay for their electricity bills and tuition fees. Not only this because some of his relatives would put him in a  difficult situation by asking money from him in front of everyone else so that he won’t be able to refuse. Some are also stealing instead of asking money and other items from him.   “I’m not trying to make it look like all Filipino relatives are like this, but why do you think just because I’m from abroad, I am mayaman or rich like why can’t I just be me? Of course, I have money. I’m on a foreign land on vacation. But it does not make me a walking bank account,” he said. “Also hate when they guilt trip you for not giving money and tell sob stories so you feel bad and give in,” he added.  The Reddit user even recalled times that his relatives invited him to eat outside, but asked him to pay for their meal for 12 people. He also talked about ungrateful relatives who cannot be happy with his pasalubong because of the shoes she wants is not there.   “Also, my mom’s sister got a lot of clothes. She got two shorts, t-shirts, and even some chocolates, but got mad at me because the shoes she requested wasn’t there. I had to explain to her that I had no more space in my luggage and that she got a lot already, it won’t be fair. She said next time we go home she expects the shoes. My blood was boiling to the max,” he said  “I hate that I feel this way but why are some relatives such parasites,” he said at the end of his post.  Indeed, for OFWs, it is stressful and frustrating to have relatives that treat you like an ATM just because you are working abroad. So for OFWs who are heading home, do not tolerate these traits and slowly educate your family members and relatives that working abroad is not an easy job. Also, learn to say "No" when someone asks for this and that. Remember you don't have to give in to everyone's demand.  Set your budget when vacationing home because no amount of money is enough if "party here and party there" is the situation on your vacation.
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Indeed, for OFWs, it is stressful and frustrating to have relatives that treat you like an ATM just because you are working abroad. So for OFWs who are heading home, do not tolerate these traits and slowly educate your family members and relatives that working abroad is not an easy job. Also, learn to say "No" when someone asks for this and that. Remember you don't have to give in to everyone's demand.

Set your budget when vacationing home because no amount of money is enough if "party here and party there" is the situation on your vacation.


This article is filed under Filipino workers, Hiring Filipino workers, budgeting, Reddit, working abroad, money tips and jobs abroad. 
©2018 THOUGHTSKOTO

Tuesday, September 25, 2018

OFW Dead Over Gun Duel Of Two Cops

After long years of working abroad, overseas Filipino workers (OFW) await the time when they can get a vacation and enjoy a life with less stress, but for an OFW who hailed from Tuguegarao, a tragic event happened during his supposed to be a relaxing vacation with his loved ones. He was shot dead in the middle of a gunfight between two policemen in a KTV Bar.  

After long years of working abroad, overseas Filipino workers (OFW) await the time when they can get a vacation and enjoy a life with less stress, but for an OFW who hailed from Tuguegarao, a tragic event happened during his supposed to be a relaxing vacation with his loved ones. He was shot dead in the middle of a gunfight between two policemen in a KTV Bar.       Ads     Sponsored Links  The OFW, Edward Opiña was shot dead and was declared dead on the spot in the middle of a gun duel between a police officer and a newbie cop, both members of the Philippine National Police and were both wounded. A report from Pilipino Star Ngayon said that the situation arose from an argument involving a guest relation’s officer (GRO) in a KTV bar at Brgy. Magapit, Lal-lo, Cagayan while both parties were having a drink.    Chief Insp. Ramon Macarubbo, chief of Lal-lo Police identified the two policemen as Sr. Insp. Jeffrey Equuizabal, assigned at Regional Office 2 of Tuguegarao City and PO1 Mike Sosa, a member of Gonzaga Police.  It was at 2:30 in the morning when Opiña together with Equui­zabal made a commotion because no GRO wanted to join him at the table due to his drunkenness.  PO1 Mike Sosa who was also at the Maldita KTV owned by Paquito Diaz, meddled with the commotion until the situation had elevated to a heated argument and eventually a gun duel between the two cops.  The customers immediately fled the bar and the OFW was found lifeless and bathing on his own blood.  Six empty cartridges from a cal. 9mm were found on the crime scene.  Filed under the category of working abroad, overseas Filipino workers, OFW, Tuguegarao, gunfight, policemen  Ads
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After long years of working abroad, overseas Filipino workers (OFW) await the time when they can get a vacation and enjoy a life with less stress, but for an OFW who hailed from Tuguegarao, a tragic event happened during his supposed to be a relaxing vacation with his loved ones. He was shot dead in the middle of a gunfight between two policemen in a KTV Bar.       Ads     Sponsored Links  The OFW, Edward Opiña was shot dead and was declared dead on the spot in the middle of a gun duel between a police officer and a newbie cop, both members of the Philippine National Police and were both wounded. A report from Pilipino Star Ngayon said that the situation arose from an argument involving a guest relation’s officer (GRO) in a KTV bar at Brgy. Magapit, Lal-lo, Cagayan while both parties were having a drink.    Chief Insp. Ramon Macarubbo, chief of Lal-lo Police identified the two policemen as Sr. Insp. Jeffrey Equuizabal, assigned at Regional Office 2 of Tuguegarao City and PO1 Mike Sosa, a member of Gonzaga Police.  It was at 2:30 in the morning when Opiña together with Equui­zabal made a commotion because no GRO wanted to join him at the table due to his drunkenness.  PO1 Mike Sosa who was also at the Maldita KTV owned by Paquito Diaz, meddled with the commotion until the situation had elevated to a heated argument and eventually a gun duel between the two cops.  The customers immediately fled the bar and the OFW was found lifeless and bathing on his own blood.  Six empty cartridges from a cal. 9mm were found on the crime scene.  Filed under the category of working abroad, overseas Filipino workers, OFW, Tuguegarao, gunfight, policemen  Ads
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The OFW, Edward Opiña was shot dead and was declared dead on the spot in the middle of a gun duel between a police officer and a newbie cop, both members of the Philippine National Police and were both wounded. A report from Pilipino Star Ngayon said that the situation arose from an argument involving a guest relation’s officer (GRO) in a KTV bar at Brgy. Magapit, Lal-lo, Cagayan while both parties were having a drink.

 Chief Insp. Ramon Macarubbo, chief of Lal-lo Police identified the two policemen as Sr. Insp. Jeffrey Equuizabal, assigned at Regional Office 2 of Tuguegarao City and PO1 Mike Sosa, a member of Gonzaga Police.

It was at 2:30 in the morning when Opiña together with Equui­zabal made a commotion because no GRO wanted to join him at the table due to his drunkenness.  PO1 Mike Sosa who was also at the Maldita KTV owned by Paquito Diaz, meddled with the commotion until the situation had elevated to a heated argument and eventually a gun duel between the two cops.

The customers immediately fled the bar and the OFW was found lifeless and bathing on his own blood.
Six empty cartridges from a cal. 9mm were found on the crime scene.
Filed under the category of working abroad, overseas Filipino workers, OFW, Tuguegarao, gunfight, policemen
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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