Know Your Rights As A Tenant, Especially In This Time Of Pandemic

One of the reasons why you decided to work overseas is because you want to have your own home. This is also the reason why you are taking multiple jobs while overseas to make sure that you can send money back home and save a few more for your future dream home.

If you haven’t fulfilled that yet, then that’s fine. Renting your own place could be an alternative – for now. Unfortunately, the pandemic forced you to go back home and wait for travel restrictions to ease to prevent the further spread of the coronavirus.

Since you lost your main source of income, which also means there will be difficulty in paying the rent, the question now is this: can your landlord evict you from the place you and your family are staying?

What are your rights as a tenant?

As a tenant, your rights are protected under the Rent Control Act of 2009. Some of your rights include:

  • Limit On Rent Increase – Although landlords can impose an increase in rent every year, there is a limitation as to how much the increase can be. Rent increase should be anywhere between two and 11 percent and must only be imposed once a year.
  • No To Excessive Deposit And Advance – Under the said law, landlord can collect not more than two months deposit and one month advance rent or a total of three months. This security deposit must be kept under the landlord’s account and will be returned to the tenant upon expiration of contract. Take note that these deposits and advance may be used by the landlord to compensate for losses such as failure to pay rental fee, unpaid utility bills, and/or damage to the property.
  • Eviction Must Be Legal – Eviction is allowed when there is a justifiable reason.

When can a tenant be evicted?

The law allows landlords to evict tenants for the following reasons:

  • Expiration of Lease Contract. At this point, landlord has the option not to renew the tenant, especially those who are unruly and delinquent.
  • Overdue rental payments for at lease three months.
  • Necessary house repairs to ensure that the place is suitable and viable for living. In this case, the evicted tenant is given the priority to rent the place should s/he wishes to.
  • Subleasing the entire or a part of the leased property without the owner’s consent.
  • The owner or landlord will legitimately use the rented property. In this case, landlord must give notice to the tenant at least three months before the expiration of contract.

That being said, what constitutes illegal eviction?

  • If the landlord or owner decided to sell or mortgage the leased property, the new owner has to respect the existing lease contract. More importantly, the new owner cannot evict the tenant unless there is a justifiable reason.
  • Violating the Anti-Covid-19 Discrimination ordinance, particularly in Makati, Quezon City, Manila, Muntinlupa, and Pasig City. Landlord cannot evict the tenant regardless if you are infected or is suspected to have Covid-19. Consequently, healthcare workers cannot be evicted from leased property.
  • Failure to pay the rent during quarantine and grace periods are not grounds for eviction.

In case any of these situations happened, make sure you talk to your landlord first so you could come up with an amicable solution. Otherwise, you can request assistance from the barangay, which has the authority to settle disputes involving landlord and rental rights.

DTI Memorandum Circular 20-12

Under the said circular of the Department of Trade and Industry and pursuant to the Bayanihan Heal as One Act, property owners cannot evict tenants in ECQ, MECQ, and GCQ areas for failure to pay rental fee. There is also a mandatory 30-day grace period for tenants to start paying their rental fee.

The said circular also states that unpaid rents during the quarantine period can be settled in six monthly installments without penalties, interest, additional fees, and other charges.

Further, landlord must inform the tenant regarding the option to pay in installments.

Refusal to comply by the landlord could result to imposition of fine, jail time of two months, or both. As a tenant, you can also inform DTI regarding the illegal eviction practice so that appropriate criminal case can be filed to the landlord.

This is an extraordinary time for everyone, including landlords and tenants. At this point, it is best to keep an open communication with your landlord so you can negotiate and compromise. While you’re struggling to pay the rent, surely, your landlord is also in need of the rental payments to make ends meet.

As what they say, lahat madadaan sa magandang usapan.

Looking For A New Job In The Time Of Pandemic

Losing a job is one of the many concerns affecting millions of Filipinos here and overseas. Many OFWs are also repatriated, with the repatriation count more than 50,000. As much as you want to continue with your employment overseas, most countries still have restrictions to limit the arrival of non-citizens.

What do you do now? How do you go from here? What can you do to ensure that your family still has food on the table and bills will be paid at the end of the day?

Since your overseas employment is affected, you have no choice but to look for available options in the Philippines. You may not be earning the same amount of money from working abroad but this could help you get through the tough times.

Below are tips and tricks that will help as you look for a new job – for now:

Tip No. 1: Ask your recruitment agency.

The truth is the opportunities for overseas employment are still there. In fact, many legitimate recruitment agencies continuously post job openings for various countries like Taiwan, Qatar, and UAE.

Contact your preferred agency or look into their website or social media pages to see their job openings. If a job fits your skills. then apply for it. Submit your application online and who knows, you might be able to work again.

Tip No. 2: Look into job database websites.

Apart from the recruitment agency, several job database websites regularly post job openings. Take a look into that as well since there might be a job that is suitable to your skills.

Again, the pay may be less than what you are earning abroad but a job in the Philippines is better than nothing. Explore your options. Don’t forget to update your resume and include latest work experience as well as any trainings you had.

Tip No. 3: Consider online work.

If going out of the house for work doesn’t sound pleasant to you, then try online work.

Online jobs are in demand these days. Take advantage of that and apply to jobs that caters to your skills. The good thing about this is that you don’t have to go out and increase your risk of getting the virus. Everything will be done online, so make sure you also have a stable Internet connection if you will consider this option.

Tip No. 4: Use your connection.

Not all employment opportunities are posted on job database. Some are referral from friends, neighbors, or even relatives.

Now that you’re in the country, why not tap your circle? Ask around if they know someone who might need your skills and experience? They could also refer you to their company in case there are job openings. Of course, you still have to apply but at least, your chances are higher since you were referred by someone from the company itself.

This is why it is important that you maintain a good relationship with anyone. Avoid confrontations or burning bridges with someone. You’ll never know when you’ll need them.

Tip No. 5: Create your own work.

Or another option would be to start your own employment.

The government has several financial assistance programs for OFWs. Take advantage of that and use it to help you grow your money.

Starting an online business now is easier and more convenient because of the available platforms. Utilize those platforms to your advantage. It’s okay to start small because with consistency and hard work, you might be able to grow your business.

The point is don’t give up. It seems like there is a limitation to possibilities but eventually, this pandemic will be over. You will get through this.

#NewNormal : What You Can Do While Waiting For Deployment

Times like this are challenging and frustrating. You want to provide a better life and a more secure future for your family but Covid-19 happened. Worse, you might be stuck home and waiting for deployment until the Philippine government or the country you’re going to gives a green light.

What do you do with your time here? Don’t waste it.

The good news is there are many things you can do online. If you have Internet access, then take this opportunity to learn something new or improve your skills set.

Because of the pandemic, there is a sudden shift from offline work to online. Jobs that are related to technology will also be in demand nowadays since a lot of people will prefer staying home and doing what they can with several clicks.

As you await deployment, here are some productive things you can do:

Improve Digital Skills

Again, there is a shift from offline to online. Business owners, regardless of asset size, are also starting to set up their digital market to expand their reach and make it easier for potential customers to find them.

If this is the trend, then it’s time to improve your digital skills. Make yourself more aware of technological terms. Expand your vocabulary and knowledge to include concepts like e-commerce, online marketing strategy, and social media. There’s so much you can do on Facebook so make sure to explore that as well.

Who knows, this could pave way towards a new career path.

Take Online Courses

Did you know that TESDA offers free courses for OFWs through its Abot OFW program?

It covers several sectors including construction, automotive, processed food and beverage, visual arts, information and communication technology, and electronics among many others.

Make sure to grab this opportunity not only to learn more about your chosen field but also to improve your skills. You can even include your finished courses in your resume, which is a big plus for employers.

You can check out and enrol here.

Watch Video Tutorials

Here is another reason why you will appreciate technology: you learn a lot from it.

If you’re the type who prefers learning by yourself and not into course outline, then you can still improve your skills and learn something new by watching videos. All you need to do is to type in the search bar and you can find tons of information about it.

Still, the key here is consistency. Make sure you allot certain time of the day everyday for this to make sure that you will get better and be able to improve your skills further.

Start Small

The online market is in these days. Why not try this as well? It may not give you the income you’re expecting but at least, it could help you get by.

Food business is a growing market. Instead of joining the bandwagon and serving what others are selling, try to come up with your own product. Try combining different foods and who knows, you could be starting your own trend.

Creativity is important. Be creative in finding new food combinations. It is also important to be creative in presenting your product to the buying public. Make sure to take good photos as well to entice them to buy.

If you’re not into food, then that’s fine, too. You could sell anything, especially in-demand products like school supplies, work-from-home essentials, and homeschooling materials. Take advantage of the distance learning trend for additional income.

Don’t lose hope. This is just a roadblock but it doesn’t mean you cannot win against this. Things will get better soon and it’s up to you on how you want to face the pandemic.

4 Government Assistance Programs For OFWs

Covid-19 pandemic affected a lot of industries – tourism, food sector, hotel industry, and even retail. Apparently, there’s another sector that is greatly affected by this situation: OFWs.

OFWs around the world experienced job loss, thereby forcing them to go back home through repatriation. There are even many OFWs left in their respective host countries but were unable to work or worse, were terminated from employment. Many OFWs were also unable to go to their host country due to government’s travel restriction policies.

The good news is there are still assistance programs sponsored by several government agencies to help OFWs in this trying times.

These are:

Financial Assistance Through DOLE-AKAP Program

This is a one-time financial assistance amounting to P10,000 for affected OFWs. It covers documented workers, Balik-Manggagawa, and undocumented workers but are currently processing their status. You can apply through DOLE or respective POLO in case you are still overseas.

Keep in mind that despite fulfilling all the requirements, there is no assurance that your application will be approved.

You can learn more about this program here.

Balik Probinsya, Bagong Pag-asa Program

Not all OFWs are Metro Manila residents. There are still many overseas workers who live in the provinces. Or some prefer to settle in the city to seek greener pastures.

This program aims to decongest the urban areas and encourage people to go back to their respective provinces. At the same time, this will help boost countryside development. Support and incentives such as transportation, education, and livelihood among others will likewise be given.

You can apply through the Balik Probinsya center in your barangay or apply online by clicking this link.

Livelihood Program Through OWWA

One of the many benefits provided by OWWA or Overseas Workers Welfare Administration is Reintegration program or the mainstreaming of returning OFWs into the Philippine society. This includes financial literacy, job referrals, and business counseling among others.

Due to the pandemic, the agency introduced Balik Pinas! Balik Hanapbuhay! Program. This is a livelihood support and assistance program wherein qualified OFWs may receive P20,000, which can be used for start-up or additional capital for the livelihood project.

Requirements include:

  • Application Form
  • Letter of Undertaking that the cash assistance will be used for self-employment or for starting or expansion of own business
  • Certificate of Entrepreneurial Development Training or EDT
  • Business plan or proposal approved by Regional Welfare Office Director, which indicates that the proposed business is feasible and sustainable
  • Proof of repatriation or return to the country such as passport, airline ticket, and other travel documents

If you’re serious about putting up your own business, then you can apply for the Enterprise Development and Loan Program. You can borrow as much as P2 million with 7.5 percent per annum interest rate. However, requirements and procedure are stricter since it has longer terms.

Free Training From TESDA’s ABOT OFW Program

Now that you’re back in the country, you might want to consider looking into trainings offered by TESDA. Various courses were offered including welding, electric installation and maintenance, processed food and beverage, wholesale and retail trading, Information and Communication technology, decorative crafts, and footwear and leather goods among others.

Apart from the free training programs, TESDA also offers scholarship programs for more detailed training. Last May 2020 and with the rising demand on food products, TESDA offers a scholarship program on integrated organic farming,

You can register for any of the TESDA programs through this link.

These assistance programs may not bring the lost earnings but these will be helpful in getting you back on your feet. Look into these closely and give it a try. Who knows, this could lead to something bigger that won’t require you to go work overseas.

4 Positivity Tips To Remember Amidst The Pandemic

It’s hard to maintain a positive outlook, especially during this time. Covid-19 changed the lives of millions of people around the world.

All of a sudden, there was a restriction on movement. You cannot do the things you normally do and enjoy. You have to assume that everyone around you could be a carrier of the virus; hence social distancing measures. In a snap, everything changed.

Because of this, a lot of people went through anxiety or struggled with some mental health issue . There was a feeling of uncertainty, especially when you have a family to feed and loans to pay back home. You could or already lost your job, which is another source of worry.

It may be easier said than done, but there are some things you can do to stay positive amidst the situation:

Tip No. 1: Limit Your Access To Social Media

Social media can be a source of anxiety, especially now that we are bombarded with a lot of fake and negative news. In fact, it can be toxic.

There’s nothing wrong with being informed but as much as possible, reduce the time you spend on social media. Set a time limit and make sure to stick to it. You may not notice but limiting your access will have a good impact on your mental health because you’re able to lessen toxicity.

Tip No. 2: Don’t Believe Everything You Read

This is another issue with social media. There are tons of information available online and honestly, it’s becoming harder to distinguish which among those info are real or not.

As a rule, don’t believe everything you see and read. Verify your news sources first before you share anything. Stick to credible and trustworthy news sites to make sure that you are properly informed. Otherwise, you could be a victim of a fake news.

Tip No. 3: Connect With Your Family

This is important. Family should be our source of strength and comfort. Make it a habit to continuously talk to them and keep them informed of what’s happening.

The good news is there are tons of platforms available that will allow you to talk to your family even if you are miles away. Instead of checking your Facebook, do a video chat or send them messages. The point is take advantage of that because at this point, you need assurance and love from the people back home.

Tip No. 4: Look For An Outlet

It’s easy to be negative and focus on the bad side of things. Unfortunately, this is not healthy in general.

It is hard but take this opportunity to discover something new. You can try enrolling in free classes to keep yourself updated. This is something you can boast of in your resume as well. Or rediscover old hobbies. Or try something new by learning a new skill.

Having an outlet will help in keeping you distracted from all the negativity in this world. Instead of focusing on the not-so-good side, you take this opportunity to improve yourself, which can also be helpful in the long run. Plus, don’t you just love it when you unlock a new skill? Who knows, this could lead to something great and could potentially open doors for you.

How To Cope In Case You Lost Your Job During Covid-19 Pandemic

Since the world became aware of coronavirus, everyone was in panic. What will happen next? Will this infect us? How can we go on with our lives amidst the pandemic?

But the most important question right now is what happens to your job, especially since you are working overseas.

Since the strict implementation of the lockdown, thousands of OFWs were either repatriated or not allowed to leave the country. Worse, millions of Filipinos are now jobless – the highest rate so far.

Times like this are extremely difficult, especially if you lost your job you so worked hard for. There is no assurance that everything will be okay in a few months time, but we do hope these tips will help you get through:

It’s Not Your Fault

Covid-19 affected everyone. Companies, even if they don’t want to, were forced to close down to minimize losses.

In case you lost your job, don’t blame yourself. This won’t help as well.

Acknowledge Your Emotions

You might be experiencing a rollercoaster of emotions due to job loss – anger, fear, worry, anxiety, and the list goes on. That’s normal. You have a family to feed and a long list of loans and other payables to pay so feeling these emotions is part of the process.

Acknowledge these emotions but don’t let these consume you. Otherwise, it will affect your way of thinking, which will make it harder for you to strategize on what to do next. Keep in mind that these feelings are temporary and you will get through this eventually.

Since you’re at it, take this time to reflect as well. Examine what you could’ve done to improve your performance. This is a good opportunity to look into how you were at work and vow to do better the next time.

Claim Your Employment Benefits

This is important. You might lose your job but this doesn’t your employer is exempted from not giving what is due to you. Make sure you demand your salary and benefits as stated in your employment contract.

Aside from your employer, the government also offers financial assistance amounting to P10,000 to OFWs. You can avail of this benefit as well. This one-time cash assistance may not be that much but it is still helpful.

Reach Out To Your Family

This is also important. At this point, you need the comfort and love coming from your family. Tell them what happened and be honest about your situation. Do not sugarcoat your reality because they need to be aware of what’s happening as well. This way, they can also make adjustments.

Of course, they will need your job but they will understand your situation and help you get through it.

Look For A Distraction

Dealing with job loss especially during this time can be difficult. While it’s okay to acknowledge those emotions, don’t focus on those alone. Instead, look for a distraction.

It could be rediscovering an old hobby or learning a new skill. You might also want to take advantage of courses online to help you improve your portfolio. Treat this as an opportunity and put it into good use.

Examine Other Sources Of Income

In the meantime, look for other sources of income. Online selling is in these days, so that’s an option you can try. Online jobs are also popular, which could give you extra income. If you have a particular service you can offer, say housekeeping or maintenance work, then do so.

There are many opportunities so don’t be afraid to explore.

We understand the situation you are in. Do know that this, too, shall pass. Take this time to explore something new and who knows, it could lead to something bigger.

6 Tips In Adapting To A Foreign Work Environment

Working abroad comes with tons of challenges, both personal and external. You have to deal with homesickness and carry the burden of ensuring that you will provide a better future for your family.

Apart from that, there is another challenge you have to deal with: foreign work place.

Starting a new job in the Philippines can be daunting. Can you imagine what it feels like to work to a new company that is thousands of miles away from home and with co-workers who don’t speak your language?

Not to worry because here are tips that will help you adapt to your foreign workplace and get along with your co-workers:

Tip No. 1: Always Do Your Research

This is important and the first thing you need to do before you go overseas.

Before you leave, read and learn as much as you can about your country destination. The PDOS will cover the basics but keep yourself informed as much as you can. Learn about their culture, way of life, traditions, clothing choice, and even food.

Research about work etiquette, too. Some countries prefer shake hands as a means of introduction while others like to bow. Some cultures are specific when it comes to introduction, so make sure to look into it as well.

The more you know, the easier for you to adapt because you know what to expect.

Tip No. 2: If Unsure, Then Ask Questions

In Filipino culture, oftentimes, asking questions is a sign of weakness. People assume and expect that you know until your mistake blows up.

Thankfully, other countries are not assuming. In fact, they will appreciate it more if you are honest about your limitations and willing to ask questions. Ask for help if you are not familiar about anything.

Just make sure to pay attention and remember what they say so they don’t have to repeat themselves.

Tip No. 3: Be A Good Observer

Again, you are in a different country. The things you are used to back home may not be the same as what others are doing in your work place. You might even be shocked with the things they are used to.

That being said, make it a habit to observe. Pay attention to how your co-workers are, especially the locals. Your research may not say a thing or two about how work is carried out in your work place so make sure you see how your co-workers are handling the work.

Tip No. 4: Learn Their Language

English may be the universal language but don’t assume that everyone knows how to speak it. In fact, you will have co-workers who won’t even make an effort to learn English.

This is why it is important to do your research. Make list of the common words and greetings in their local language. Make sure you practice proper pronounciation so people will understand you easily. This will make it easier for you to connect with them and vice versa.

Tip No. 5: Take Time To Explore

It’s not easy to make friends with someone who grew up with a different culture than yours. While you are still familiarizing your new environment, keep an open mind and start exploring the area around you. This will give you a better understanding of the new place and culture you are in.

Take this opportunity as well to build rapport with your new colleagues. Ask about must visit spots and recommended restaurants you can try. Who knows, they’ll give you a free tour.

Tip No. 6: Connect With The Filipino Community

Filipinos are everywhere so make sure you use that to your advantage, especially if you are the new kid on the block.

You will most likely have Filipino co-workers and it will help you a lot if you co-worker will guide you. If you are the lone Filipino in the workplace, then that’s fine, too. You will meet fellow Filipinos in the country where you’re working, so be friendly and say hi.

It will make a difference if you have the Filipino community backing you up. They will give you tips, do’s, and don’ts that you can remember to make working easier and enjoyable for you.

They’re a good source of connections as well, just in case you need a side job.

Adapting to a new environment, especially a foreign one, will not be a walk in the park. Take it one day at a time and you’ll get better eventually.

Where To Work For First Time OFWs

Working in the Philippines might seem hopeless for you. You want to make sure that you will provide the best life and future for your family so you decided to seek greener pastures.

The question is where. There are tons of countries in need of Filipino workers and the choices could be overwhelming, especially if it’s your first time. Hong Kong may be an instant choice as well but with the current condition of the city, it is best to explore your other options.

If you are a first-time OFW, then here are some of the country destinations ideal for you:

Singapore

This is recommended especially if you don’t want to feel too far from home.

Singapore is among the best and most stable countries to work in because of their current economic status. Plus, the pay is good, so you will be able to save money in no time. You just have to be competitive, hardworking, and patient because Singaporeans are known for being workaholic.

Language won’t be an issue as well since many Singaporeans can speak English. It is also a haven for expats from around the world, which means communication won’t be a problem.

Technology-related jobs are in demand in Singapore. Marketing, sales, and food and beverage industry have tons of job openings as well that you might want to check out.

READ: OFW Guide to Living and Working In Singapore

United Arab Emirates

UAE is also another OFW-favorite. This immensely-rich country, thanks to oil and gas deposits, are in need of skilled workers who want to advance in their field of expertise.

Healthcare, engineering, domestic work, food and beverage, and BPO are in demand nowadays. The best part is your income is tax-free, so there’s nothing to worry.

READ: OFW Guide to Living and Working In UAE

Taiwan

There is a reason why Taiwan is becoming a popular tourist destination among Filipinos. Aside from food, there’s so much to see in this small but proud country. This is why it’s not surprising why many aspiring OFWs are looking into this as well.

There are tons of job opportunities in Taiwan such as factory work, domestic work, production, and other similar jobs. Plus, Taiwanese are generally not discriminatory and work permit will be taken cared of by your employer.

READ: OFW Guide to Living and Working In Taiwan

New Zealand

No, New Zealand is not all about cows. Believe it or not, there are tons of job opportunities for OFWs that you might want to consider working here. There’s a job waiting in the healthcare industry, tourism, sports, and even electronics.

Plus one since New Zealand also provides equal opportunities, regardless of gender and citizenship.

If you love nature, then this country is for you.

READ: OFW Guide to Living and Working In New Zealand

Canada

Sometimes, it’s not enough that you are working overseas. Eventually, you will miss your family and you would want to be with them 24/7. If you plan to move your family for good to a different country, then Canada is the best choice.

There are tons of job opportunities waiting with competitive employment and healthcare benefits. It’s also easier to secure permanent residency as long as you submit all the needed requirements.

The weather may be more challenging, though, so choose your state wisely.

READ: OFW Guide to Living and Working in Canada

Which among these countries are you most likely to go? Regardless of your choice, make sure you submit all requirements and be truthful about your information.

More importantly, work hard. These countries will provide you with the best opportunities and benefits but if you don’t take your job seriously, then you might end up going home with nothing.

Pay Your Bills Anywhere In The World With The Help Of These E-Payment Platforms

Being an OFW is not easy. Aside from being thousands of kilometers away from home, you have to deal with homesickness, different culture, and money issues.

Yes, money issues. After all, working outside the Philippines is not always a guarantee that you will get a better, more stable life.

This is why it is important to manage your money wisely.

Normally, you would send money back home and let your family do the budgeting, which includes paying the bills. But if you want to be sure, you would do the paying yourself.

The question is how.

Thankfully, there are tons of e-payment platforms that will help you pay the bills wherever you are.

Online Banking Service

This is the beauty of online banking. Aside from allowing you to keep track of your accounts and how much money you have, you can also pay your utilities bills, government contributions, loans, and credit card bills by deducting the said amount on your account.

You may also set up an auto-debit arrangement so you don’t miss a payment every month, especially for those non-negotiable expenses. Just make sure you sign up for an online banking account with your bank of choice to avail of this service.

The good thing about online banking services is that they have mobile counterparts. Simply check and download the mobile app of your bank of choice and make it easier for you to transact using your phone.

In this case, BDO is more convenient. It has partnered with tons of companies, thereby allowing you to pay utilities bills wherever you are.

Bayad Center Online

This is another convenient way of paying your bills. Bayad Center supports various billers including electricity, water, government services, Internet, cable TV, real estate, financial services, tuition fee, and even memorial plans.

Instead of sending remittances back home, you can already pay your bills conveniently through this service. Just make sure you pay on or before the due date since the system won’t allow overdue payments.

Also, there would be cut-off, which means payments must be made before 8:00pm, Philippine time. Otherwise, the payment will be reflected the following day.

You may also download the mobile app to make payment more convenient.

Meralco Online

This is exclusively for Meralco payments. You can either use your credit card, debit card, GCash, Smart Money, or Paymaya to pay for your electric bill. You may also enroll your Meralco account under auto-debit arrangement wherein the bill will be deducted from your bank account every month.

The good thing about this facility is that you are up-to-date when it comes to your billing. Payment will be reflected a few minutes. Also, partial and advance payments may also be made.

Meralco Online has a mobile app that you can download for free.

PayPilipinas

Let’s face it. Even if you are an OFW, you are still entitled to pay government services like SSS and PAG-IBIG. These agencies may have satellite offices abroad but not all OFWs can easily go there since they may be far.

Thankfully, PayPilipinas addresses that concern by allowing OFWs to pay contributions and loans with SSS and PAG-IBIG.

Simply create an account and link your credit card so you can start making payments. They also have partner remittance facilities in the Philippines so you can simply transfer funds in your PayPilipinas wallet.

Moneygment App

The truth is there are many Filipinos who are considered as unbanked or does not have access to bank facilities. This is where Moneygment comes in.

Moneygment serves thousands of unbanked Filipinos including OFWs. You can pay bills such as electricity, water, government contributions, cable TV, credit card, and Internet among others.

You can pay directly from your Moneygment wallet or through fund transfer. it may take one to two working days for the payment to get posted, so make sure you pay before the due date.

Coins.ph

Did you know that there are more than 80 billers listed in this payment facility? From electricity to tuition fee, Coins.ph is a convenient way to pay off those expenses every month.

Still, you need to add funds to your Coins.ph account before you can make any transaction.

There are many convenient and easier ways to pay your bills regardless of where you are in the world. Take advantage of these platforms to ensure that all of your bills are paid on time.

Online Investment Scams You Need To Watch Out For

Technology has its ups and downs. Sure, you can connect with anyone in the world and pay bills wherever you are in the world. Unfortunately, the digital world can be a breeding ground for all things scam and illegal. If you’re not too careful, then you might end up being a victim as well. Worse, you could lose your hard-earned money and surely, you don’t want that to happen.

That being said, here are some of the online scams you need to be careful for – with tips on how to avoid them.

Online Investment Scam

This is very common. Many people are slowly considering and embracing the importance of investing money. Unfortunately and if you’re not too careful, you might end up putting your money in the wrong basket.

Below are the most common online investment scams in the Philippines:

  • Online Paluwagan – Known as onpal, this scheme regulates similar to the traditional paluwagan wherein members will take turns in receiving money from the pooled funds depending on the payout schedule. Facebook is the most common method used by onpal wherein a promise of cash deposit, remittance, or wire transfer is the mode of payment. To be able to earn more, you need to recruit members between one to 90 days. Unfortunately, many onpal members reported that they were not able to receive their money.
  • Fake Online Lending Companies – Borrowing money has never been this easy, thanks to online lending companies. Because of the popularity, scammers are enticing people to join by investing their money in micro-financing or lending companies. The pitch: you get to earn as much as 12 percent every week. This seems like a good idea and those behind the scam will pay the initial returns to make you believe that they are legitimate. Unfortunately, they’ll disappear after.
  • Paid-to-Click Programs – The concept is simple: click on online ads, log-in daily, or get referrals. Then, you’ll get paid depending on your daily turnout. While this seems like an easy way to earn money, you might end up losing more. In fact, you’ll be asked to pay a membership fee or buy advertising products, which will serve as your “share” of the profits. While this sounds tempting, there is no assurance that you will get paid – after all the effort and money you put through.
  • Offshore Stock Trading – OFWs have more dollars than peso on hand. Why not invest it, right? After all, you saw that ad on offshore investment on Facebook, which sounds promising. Unfortunately, this is a classic example of a scam since this type of investment scheme is not allowed to operate in the Philippines.
  • Bitcoin Investment – Cryptocurrency, popularly known as bitcoin, took the world by storm. Like they say, the higher you climb. the harder you fall, especially those who invested their money in this type of currency. It promises as high as 200 percent profit wherein transactions are done through mobile wallets, bank deposit, or remittance companies. The BSP considered bitcoin investment as “speculative and highly risky” that could lead to huge losses. Plus, this type of currency is not backed up any goods, company, or services unlike physical money.

Here’s the good news: there are several ways where you can protect yourself and your hard-earned money from online investment scams. The first thing you need to do is to check, read, and understand what you’re investing for.

Also, the company must be registered and authorized by the Securities and Exchange Commission to operate as an investment or lending company. Having a legitimate and registered company name is different from being allowed to operate and conduct investment operations. It must be explicitly approved by the agency.

Regularly check advisories issued by the SEC. The agency releases statements on the latest investment scams as well as companies involved in it. Keep in mind that ignorance excuses no one. Visit the website from time to time and see the latest news.

More importantly, don’t easily fall for ads that promise big returns. Return of your investment will take time, not days. Remember, if it’s too good to be true, then it is not true.