Analogy of Langgam to Saving and its Importance

Napansin nyo ba kung ano ang ginagawa ng mga langgam bago sumapit ang tag-ulan?

Have you noticed it? Nakakatuwa sila di ga?

I always noticed them roaming around and marching in a colony like an army or battalion. When you watch and followed them closely, it seems like they are gathering food to be stored in their nest. Probably the foods will be consumed when the time that they cannot get outside due to rain or floods. With this scenario, I can’t help but to be amazed for their commitment and preparedness that we should learn from them.

Bakit nga ba kailangan natin mag-impok? Continue reading “Analogy of Langgam to Saving and its Importance”


OFW or IDOLE ID Card Benefits for Overseas Filipino Workers

For Overseas Filipino Worker (OFW) like us, the most awaited launching of iDOLE or Identification Card for OFW’s last July 12, 2017 to help millions of migrant workers worldwide. However, we have to wait for official announcement from our gov’t official or check advisory from time to time at POEA/DOLE for the distribution of the said ID’s as implementing guidelines are not yet finalized. For the meantime, Overseas Employment Certificate (OEC) still will be processed through Balik-Manggagawa Online Processing System.

The introduction of iDOLE card still brought some light to most of us – OFW’s. Once the ID was issued, it will help lessen the burden of going to POEA to process our Overseas Employment Certificate (OEC) especially for returning OFW’s with re-contract or re-hire. Also, we can use it in claiming benefits from reputable government institutions such as Social Security System (SSS), Philippine Health Insurance Corporation (Philhealth) and Home Development Mutual Fund (HDMF or Pag-Ibig Fund). In addition, like OEC, OFW ID Card holders will be exempted for paying travel tax and terminal fee.

All Overseas Filipino Workers are entitled for iDOLE or OFW ID Card as long as documents are legally processed at POEA. As of now online application for OFW ID Card still not available or still in testing phase. OFW’s was advised to wait for the official announcement or launching and to rest assured that the OFW ID Card is 100% free of charge.

For interested returning OFW’s you may inquire at DOLE offices or any of their branches nationwide and bring valid ID’s such as passport, NBI, SSS and your Overseas Employment Certificate (OEC) receipts for validation purposes and proof of identification.  Follow the instruction of the government personnel in-charge at the counter on how to acquire or process iDOLE or OFW ID Card.

For DOLE Branch website link, click here.

For those who already acquired their iDOLE or OFW Card, please tell us in the comment below.

Cheers to our SUCCESS!


Warning! Beware of Investment Scams in the Philippines

Nowadays, some of the so called “Investment Opportunities” being offered to you is not what you think it is. In this regard, we must protect ourselves by continuous practice of due diligence and caution when planning to invest. Besides, Investing in any kind of business venture requires proper knowledge or understanding for our protection and safety. Also, we need to properly identify where to allocate the funds, the benefits and the risk associated of the potential investment. If in doubt, seek professional help prior to commit or accept any investment offer. Continue reading “Warning! Beware of Investment Scams in the Philippines”


One-Stop Shop Service Center for OFW and Aspiring Overseas Filipino Workers (OFWs)

“Sebisyo ng Gobyerno: Kaakibat ng Pamilyang Pilipino sa Kaunlaran”

For Overseas Filipino Workers and aspiring OFW’s, One-Stop service center inaugurated last August 15 is a must wherein all government services are readily available in one area. It will now easier to process documents and thus saving time and money specially transportation expenses. With, all these improvements, government’s program and services are certainly a bridge and a guide for OFW and would be Overseas Filipino Worker’s welfare

For your information, One-Stop Service Center is located at ground floor of the Philippine Overseas Employment Administration (POEA) main office, BFO Building; Ortigas Avenue corner EDSA, Mandaluyong City (in front of Robinson’s Ortigas). It will be open from 8:00 AM to 5:00 PM from Monday to Friday and may extend the service with prior approval of the POEA and DOLE Regional Office. Continue reading “One-Stop Shop Service Center for OFW and Aspiring Overseas Filipino Workers (OFWs)”


Investing in Mutual Fund for Beginners in the Philippines

Mutual Fund Illustration by

To achieve financial freedom, we must take action and control our personal finances.  Learn how to track our expenses and know proper budgeting. Practice saving regularly a portion of our monthly salary for emergency funds and future investment. Remember to insured our life and health first before we proceed investing in other investment vehicles.

What is Mutual Fund and why invest with this kind of investment?

Mutual Fund is a collection of funds of individual, entity, corporation or other investor and managed by a professional fund manager of an investment company. The pooled funds are then invested by a fund manager to a diversified portfolio like stocks, bonds and other instruments.

The following are the four types of Mutual Funds where the pooled assets are invested:

  1. Money Market Funds -less risky than other funds but low returns. Short term only (1 year or less). Invest in short-term time deposits, corporate bonds and government securities.
  2. Bond Funds – lesser risk than other funds and the returns is greater than Money Market Funds.  Medium to long-term. Invest in bonds issued by corporations and the Philippine Government.
  3. Balanced Funds- medium to high risk but with possible higher earning returns than Bond Funds. Invest in combination of both individual bonds and stocks.
  4. Stock Funds / Equity Funds – high risk but possible highest return from other types of funds. Invested primarily in individual stocks listed in the Philippine Stock Exchange.

Advantages in Investing in a Mutual Fund Continue reading “Investing in Mutual Fund for Beginners in the Philippines”


An Overseas Filipino Worker (OFW) In a Country like Turkmenistan

There was an excitement and curiosity on my part when I was selected by my employer several years ago to deploy and work in Turkmenistan particularly in South Yoloten.  To be honest I really don’t know the country or the place we are going to work. Good thing is that the period of my stay there brought me learning of their culture, their tradition and the people itself.

Merkezi located in Mary City

By the way, have you been in Turkmenistan particularly in South Yoloten and Mary City? Are you planning to work or travel here? If you are an OFW or traveler bound to Turkmenistan, you should asked the Flight Attendant in NAIA where your baggage will be picked up, otherwise you will be one of those OFW who came there who had lost their luggage and personal belongings.

Here are some of what to anticipate and look forward to and could be helpful and beneficial to you later on. Continue reading “An Overseas Filipino Worker (OFW) In a Country like Turkmenistan”


How to organize incoming e-mail message using “Rules” Function of Microsoft Outlook?

Organizing incoming e-mail messages was a quite daunting task, isn’t it? Imagine yourself sorting e-mails from different person, division or department and etc.

Don’t Worry because you can simplify the task by creating a rule that will act based on your chosen condition such as the following:

  • Move messages from someone to a folder
  • Move messages with specific words in the subject to a folder
  • Move messages sent to a distribution list to a folder
  • Flag messages from someone to follow-up
  • Display mail from someone in the New Item Alert Window
  • Play a sound when you get messages from someone

Simple rules or act you make may mean difference and impact to your work and your life as a whole.  With Microsoft Outlook Rules function organizing email and prioritizing which one to attend to or reply will be easier and uncomplicated. Continue reading “How to organize incoming e-mail message using “Rules” Function of Microsoft Outlook?”


Saving and Investing Tips for Pinoy

image from of“The earlier start investing, the more time the money can grow” – Sounds familiar? Well, you might heard of it saying by most financial gurus, planners or investment advocates in the seminar, webinar or read it in the financial blog. While it is being true, putting it into practice might be hard for many due to lack of financial education and personal motivation to do it.

In this scenario, educating ourselves and eventually learning the importance of the following tips will help us achieve our goal. Continue reading “Saving and Investing Tips for Pinoy”


OWWA Skills-for-Employment Scholarship Program (SESP) and IT/Computer Training Program for OFW

One of the benefits of being Overseas Filipino Worker (OFW) is being entitled to program and services of Overseas Workers Welfare Administration (OWWA). One of which is Skills-for-Employment-Scholarship Program or SESP under Education and Training Assistance of OWWA’s Program for OFWs and dependents.

SESP is in the form of training assistance with OWWA assuming the training cost in vocational/technical courses accredited by TESDA and other government institutions. The Financial assistance of P14, 500.00 will directly credited to OWWA/TESDA recognized training providers you have chosen to enroll or study. Continue reading “OWWA Skills-for-Employment Scholarship Program (SESP) and IT/Computer Training Program for OFW”


How To Verify Or Avail Certification Of OFW Records in POEA

The following are documentary requirements to be submitted and procedure for verification or certification of OFW Records in POEA. This is one of the services given by POEA to Overseas Filipino Workers (OFW).

Availing the service is free of charge. Continue reading “How To Verify Or Avail Certification Of OFW Records in POEA”