Citizen Services Topic of the day

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A collection of blog articles written to guide Pinoys in their daily transactions with government agencies, such as securing copies of NSO birth certificates, passport applications and renewals, and other similar concerns.  We also feature articles on timely and relevant  issues such as public transports, annulment and divorce, solo parent benefits, senior citizen concerns, and so much more.  Welcome to Citizen Services! We’re glad you’re here.

Latest Entries:


Problems with NSO Birth Certificate: Illegitimate, No Birth Certificate, and Not Acknowledged by her Mother.

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Alona is an illegitimate child, born to parents who were barely out of their teens.  Her mother gave her up for adoption when she was just a few days old, in exchange for a plane ticket from Manila to Iloilo.  She was never heard of from again.  Upon learning that his daughter was given to a complete stranger, Dexter (Alona’s father) requested for assistance from the barangay so he can take his daughter back.  After negotiating with the family who paid for Alona’s adoption, Dexter was finally able to take his daughter home and promised to do everything he can to raise her on his own.

Father and daughter sailed from Manila to Dumaguete and there, Alona grew up in her grandparents’ farm house while Dexter continued his studies in Cebu.

Alona is all grown up now and would like to apply for a passport so she can work abroad.  Her only problem is that she does not have a birth certificate and is clueless on how to get one.  Her father, Dexter, told her that she was born in Manila but since they have both migrated to Dumaguete, he is not sure if Alona’s birth can be registered in Dumaguete.

She has three problems:

  1. Alona does not have a birth certificate.
  2. She has not heard from her mother ever since she was born and in spite of several attempts to get in touch with her mother, all her efforts returned futile.
  3. She no longer lives in the city where she was born. Read more: http://bit.ly/1X7F4Fz
PUBLISHED: NOVEMBER 21, 2018

What You Need to Know About Your 13th Month Pay

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Are you excited to receive this year’s 13th-month pay?  I know a lot of employees are eagerly awaiting the release of this yearly windfall.  It is always good to have extra funds for the holidays.

Today we will be sharing with you the top 10 things you need to know about your 13th-month pay.  If this is your first time to receive such, it is best that you are aware of its basic details such as the covered months of the pay, how it is computed, who are entitled to it, and when it should be released to the employees.

These pointers were lifted from the Handbook on Workers’ Statutory Monetary Benefits published by the DOLE.

  1. COVERAGE

All employers are required to pay their rank-and-file employees’ 13th-month pay, regardless of the nature of their employment and irrespective of the methods by which their wages are paid, provided they worked for at least one month during a calendar year. Read more: https://bit.ly/2zK8qU5

PUBLISHED: NOVEMBER 19, 2018

4 Things You Need to Remember When Claiming Your PhilHealth Benefits.

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To help you maximize your PhilHealth benefits, here are four important tips you need to know when applying your privileges as a PhilHealth member:

  • PhilHealth does not refund benefits directly to members.

This means that the hospital or clinic must deduct the amount of PhilHealth’s participation in your treatment, from your total hospital bill.  The benefits may not be converted to cash that the hospital “pays” to the patient.

  • The PhilHealth benefit must be applied AFTER other tax deductions, including the Senior Citizen discount.

The Senior Citizen discount and Value-added Tax (VAT) are different from PhilHealth benefits.  If the patient is a Senior Citizen, the SC and VAT must first be deducted from his total hospital bill, before his PhilHealth benefits are applied. Read more: https://bit.ly/2HNdUV4

PUBLISHED: NOVEMBER 15, 2018

The PhilHealth Case Rate Search Mobile App Is Now Available!

philhealth-case-search-mobile-app

PhilHealth members no longer need to guess how much of their hospital bills will be shouldered by PhilHealth.  With the Case Rate Search app, you can begin exploring the different medical cases and corresponding rates that are covered by PhilHealth and take the guesswork out of the entire billing process.

Before the app was made available, PhilHealth members would have to wait for the hospital’s billing department to facilitate their accounts before they can get a view of PhilHealth’s participation in their hospital bill.  This is a concern for most members and has even become a reason for others to refuse confinement.  When patients are unaware of how much of their bill PhilHealth will be paying, they become concerned with their expenses and decide against having themselves admitted for proper treatment and observation. Read more: https://bit.ly/2ALj5jd

PUBLISHED: NOVEMBER 13, 2018

U.S. Fiance Visa: Quick Application Guide.

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Filipinos who wish to travel to the U.S. with the purpose of marrying their U.S. citizen fiancé must secure a K-1 visa from the U.S. Embassy.  This is otherwise known as a Fiance Visa.

Here is a summary of the application process as well as the list of documents needed to file the petition:

Step 1:File the Petition

  1. The U.S. citizen sponsor shall file a Petition for Alien Fiance at the USCIS office of the area where the sponsor resides.  File Form I-129F.  Take note that this cannot be filed at a U.S. Embassy, a Consulate, or at a USCIS office abroad.
  2. Wait for the USCIS’ approval of the petition which will then be forwarded to the National Visa Center.  Upon reaching the NVC, the sponsor will be given a case number; the NVC will forward the petition to the U.S. Embassy in the Philippines.

Read more: http://bit.ly/2jNLZof

PUBLISHED: NOVEMBER 9, 2018

SSS Online Appointment System for Retirement Applications Now Available!

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The Social Security System (SSS) recently announced the availability of its Online Appointment System.  SSS welcomes members who are retiring or have retired from their private employment and wish to file their claims to use the appointment system in creating their schedule to visit an SSS office.  This will help them escape the long lines of SSS members transacting at the different branches, enabling them to accomplish their purpose with less hassle and wait time. Read more: https://bit.ly/2mecDZH

PUBLISHED: NOVEMBER 8, 2018

The OFW’s Quick Guide to PhilHealth Membership and Benefits.

ofw-quick-guide-philhealth-membership

Even Filipinos who work abroad, whether land-based or sea-based, must be covered by the Philippine Health Insurance Corporation or PhilHealth.

Here is a quick guide that can help OFWs stay updated on their membership:

How to register for membership:

  1. If currently in the Philippines:
  • Visit the nearest PhilHealth Regional Office, Local Health Insurance Office, PhilHealth Business Center, or PhilHealth Express outlet in your area.
  1. If currently overseas:
  • Visit any branch of the PhilHealth accredited collecting partners, iRemit, and Ventaja Corporation.
  • Access the Electronic Registration facility and follow the step-by-step procedure.
  • Download the PhilHealth Member Registration Form, fill out, and email to ofp@philhealth.gov.ph 

Read more: https://bit.ly/2PxFPbQ

PUBLISHED: NOVEMBER 7, 2018

LTO Fines and Fees for Traffic Violations: What You Need to Know.

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Getting a ticket for a traffic or vehicle regulation violation means you will not only have to stop and spend a good 15 to 20 minutes negotiating with a traffic enforcer but also that you will have to pay the prescribed fee for the violation you committed.  It is both a pain in your schedule and your pocket that is why most drivers do everything in their capacity to avoid (or sometimes, evade!) these violations.

Among these violations are driving without a valid license which will cost you Php 3,000, reckless driving at Php 2,000 for the first offense, and parking violations that start at Php 1,000 for the first offense.

Today we will feature the violations that have stiffer penalties (translation: they cost a fortune!); these fines are so dear that the average Pinoy driver’s only means to pay for it is by completely avoiding the violation altogether.

  1. Driving a right-hand drive vehicle – Php 50,000

So your car was imported from Europe… big deal.

You should not be driving a right-handed vehicle in the Philippines unless you have Php 50,000 to spare for LTO.  This violation was only recently added to the list when car smuggling became a rampant case n the 2010s.  Also, driving a right-hand vehicle in the Philippines could pose more risk to drivers and pedestrians. Read more: https://bit.ly/2JB43yy

PUBLISHED: NOVEMBER 6, 2018

Problems with NSO Birth Certificate: Legitimation Due to Subsequent Marriage.

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When a child is born out of wedlock, his or her birthright is marked as illegitimate.  The child carries the last name of his mother unless he is acknowledged by his father on paper or his parents decide to get married later on.  Should it be the latter, the child is able to carry the father’s last name by virtue of a legitimation process.  This means that the illegitimate child’s birthright shall be changed to legitimate without the need of a court order.

Such is the story of Dess, an illegitimate child whose parents got married before she turned 10 years old.  Her parents worked on her legitimation right after they got married so that Dess can rightfully carry her father’s last name.  However, when they requested for a copy of her PSA birth certificate to complete her college graduation document requirements, they found out that no changes on her last name, nor any annotations, were applied on her birth certificate. She was still marked as illegitimate and still bears her mother’s maiden last name as her last name.

What could have happened? Read more: http://bit.ly/24JAdwo

PUBLISHED: NOVEMBER 5, 2018

U.S. Visa: Denied! Common Reasons Why Pinoys are Denied a U.S. Visa.

us-visa-denied

After you have successfully set an appointment online for your interview at the U.S. Embassy, you are one step closer (or farther!) from your objective of setting foot in the land of the free and the home of the brave.  Here comes the inevitable question: will you be granted a U.S. Visa?

According to recent statistics, 75% of US visa applications are approved yearly; roughly three out four applicants leave the U.S. Embassy with victorious smiles on their faces.  On the other hand, the 25% that are denied their chance to see the U.S. are left wondering what could have gone wrong with their interview.

Was it the nature of my employment?

Did I have to have an invitation letter from my Ninang who lives in Florida?

I’ve traveled to different countries in Asia, didn’t the Consul see those in my passport?

Sadly though, there are no hard and fast rules when it comes to getting a nod from a Consul at the U.S. Embassy.  The decision will depend on how you are able to prove that you only intend to visit the U.S. without any intention of staying there illegally. Read more: http://bit.ly/2jqGgar

PUBLISHED: OCTOBER 31, 2018

After Separation or Annulment Comes Child Support: To Give or Not To Give?

 

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When a married couple separates, whether on their own terms or as prescribed by an annulment proceeding, child custody and support become a fundamental issue between the parties.  With whom should the children stay?  How often can their father / mother see them?  How will their basic needs be met?

In the Philippines, custody of children under seven years old is automatically granted to the mother as mandated by Article 213 of the Family Code.  This is applicable whether the child’s birthright is legitimate or illegitimate.  In the same manner, the father is expected to continue providing the needs of his children and not leave the mother to fend for the family on her own. Read more: http://bit.ly/2nz1QbV

PUBLISHED: OCTOBER 30, 2018

Problems on NSO Marriage Certificate: Blurred or Unreadable Entries on the Certificate of Marriage.

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All the details reflected on your NSO Marriage Certificate (now PSA Marriage Certificate) are vital in proving the validity of your and your spouse’s union.  Should there be items that were omitted or overlooked while filling out the document, make sure to attend to these right away to avoid any delays in your future transactions like updating your IDs, passports, and bank accounts.

Conrad and Annie are a young couple who recently moved out of their parent’s house in Ilocos to begin life on their own in Manila.  Conrad is a banker while Annie used to be a pre-school teacher.  She voluntarily gave up her profession so she can focus on their baby and tend to their home.

Being the sole breadwinner for his family, Conrad invested on a health insurance for Annie and their baby so they would not need to worry about their finances when someone gets sick and needs to be taken to the hospital.  When he submitted their documents to the insurance firm, he was advised to double check their marriage certificate as the date and place of their marriage seem to be missing. Read more: http://bit.ly/1rvZY5w

PUBLISHED: OCTOBER 29, 2018

Nicknames and Aliases: Is it Unlawful to Use a Name Other Than Your Own?

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What is a nickname or alias?

These are names we use publicly and habitually apart from our real names registered at birth or during baptism.  Any other name or names used by a person to distinguish himself other than his given name is called an alias (or aliases if the person has several).

Are nicknames or aliases allowed by law?

While Filipinos are not prohibited from using nicknames, there is a law that regulates the use of names other than one’s given name.  Commonwealth Act No. 142 (an Act to Regulate the Use of Aliases) was primarily intended to discourage the common practice among Chinese nationals who use different names and aliases in their business transactions.

Is the use of an alias in a business transaction or a public document automatically considered unlawful?

No.  Under the said Commonwealth Act, the use of a nickname or alias in a single instance without any indication that the user intends to be known by this name in addition to his real name does not fall within the prohibition. Read more: http://bit.ly/2nX4Bba

PUBLISHED: OCTOBER 26, 2018

Problems with NSO Birth Certificate: No Middle Name.

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When an illegitimate child is born, it is likely that he will be given his mother’s last name as his last name.  In which case, the middle name field on his certificate of live birth will be left blank.

There are two possible scenarios to be observed when correcting or supplying a middle name on an illegitimate child’s birth certificate:

a. If the child is acknowledged by the father.

To supply the omitted middle name on the child PSA birth certificate, a supplemental report should be filed.  The supplemental report may be filed by the owner of the birth certificate (if of age), his spouse, children, his parents, siblings, grandparents, guardians, or any other person duly authorized by law or by the owner of the birth certificate. Read more: http://bit.ly/24szRxy

PUBLISHED: OCTOBER 25, 2018

6 Reasons Why You Always Need to Have a Copy of your PSA Birth Certificate.

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Reasons why you need to always have a copy of your PSA birth certificate:

  1. Obtaining a Driver’s License

A driver’s license is one of the top government-issued IDs honored in almost all, if not all, public and private transactions (schools, banks, etc.).  You have to have your own license by the time you turn 21 years old (at least! Although I got mine when I turned 19).  Your PSA birth certificate is a basic requirement when applying for a driver’s license at the LTO.

  1. Applying for your Social Security System (SSS) number and ID

Your SSS number is a basic requirement when applying for a job (fresh graduates).  Again, your PSA birth certificate is a basic requirement, whether you are applying for your SSS number online or are appearing personally at an SSS office. Read more: http://bit.ly/2n97Nhy

PUBLISHED: OCTOBER 24, 2018

Annulment in the Philippines: The Grounds for ‘Letting Go’.

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Divorce is not honored nor practiced in the Philippines.  The only option for Filipino couples to legally separate and regain their freedom to marry another person is to get their marriage annulled.  Annulment processes are long and expensive, often ugly and traumatic especially when children are involved.  Unlike divorce where the couple need only to agree to end a legally valid marriage, annulment proceeding is done to prove that the marriage never existed at all.  And to do that, the reasons for filing an annulment case must be compelling enough to destroy the integrity of the erring couple’s union.

Something, or someone’s, gotta give.

There are two types of annulment in the Philippines:

  1. Declaration of Nullity of Marriage where the marriage is believed to be null and void from the beginning, and
  2. Annulment of Marriage is filed for valid marriages (marriage is considered valid until voided).

In case you are thinking of filing an annulment, or are just plain curious how such cases are built, this article is for you. Read more: http://bit.ly/2qeLjv7

PUBLISHED: OCTOBER 23, 2018

4 Easy Steps In Creating Your Philhealth Online Account.

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An online account with Philhealth allows you to monitor your monthly contributions and gives you an access to print your Member Data Record (MDR) anywhere you are.  Normally, a Philhealth member who does not have an online account will have to wait in line at a Philhealth branch or satellite office in order to obtain a copy of his MDR.  The MDR is required when a member’s dependent is confined in a hospital.

Here is how you can conveniently create an online account and never have to wait in line again when you need a copy of your MDR:

Step 1: Log on to the Philhealth website (www.philhealth.gov.ph) and click on the “Register” link.  You can find this on the right side of the screen, below the Login button. Read more: http://bit.ly/29zQXoo

PUBLISHED: OCTOBER 22, 2018

Damaged Passports: When Should You Have Your Passport Replaced?

damaged-passport-replaced

Different people have different ways of viewing things.  What may look beautiful to one person may look misplaced to some; a worn out piece of item could either be thrown out or kept for its sentimental value.

This may be the reason some people find it strange when they are told that their legal documents, IDs, and other personal effects are no longer acceptable because of its work-out state.  Nababasa pa naman ang pangalan ko ah is a most common defense, and in that context, disagreements and misunderstanding arise.

Our passports are one of our most important identification; when traveling, it is THE most important document you must have in your possession.  It could get worn out over time, a loose page here, a minute tear there.  The problem is, what we may see as a nondescript stain in our passport may mean that it has been damaged and therefore, cannot be used by the owner and needs replacement. Read more: http://bit.ly/2klUCsX 

PUBLISHED: OCTOBER 19, 2018

Problems with PSA (NSO) Birth Certificate: Date of Parents’ Marriage on Child’s Birth Certificate is not the same as Date on Their Marriage Certificate.

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What are the consequences of wrong information on official documents such a child’s certificate of live birth?  How can these be corrected?

Dindo and Karen were childhood sweethearts who got separated while they were attending college in different provinces.  When they began working in Manila, their paths crossed again and this time, Dindo did not waste time and asked for Karen’s hand in marriage.  They got married in civil rites and in about five months, announced that they were expecting their first child.

One year into their marriage, Karen gave birth to a healthy baby girl.  Dindo accomplished the certificate of live birth at the hospital, wrote down all the details needed including the date of their marriage the year before that.

In 2014, their daughter turned six years old, ready to begin pre-school.  Both parents were excited to enroll her at the neighborhood Montessori.  Karen was given a list of required documents for submission and foremost were copies of the child’s PSA birth certificate and the couple’s PSA marriage certificate.  Karen ordered for copies of the said documents and was oddly surprised to find out that the PSA does not have a record of their civil wedding. Read more: http://bit.ly/23UGrcq

PUBLISHED: OCTOBER 18, 2018

SB 1629: Fresh Grads Exempted from Paying Government Documents and Clearance Fees.

sb-1629-fresh-grads

Since most (if not all!) first-time job applicants have very limited financial resources to support their job-hunting, the government is now pushing to get the First-time Jobseekers Assistance Act approved and implemented.  This bill seeks to waive the fees and charges on government documents and clearances that are required by offices and establishments from applicants.

When applying for a job, an applicant will be required to submit several documents as proof of their identity, residency, and legal clearance to engage in government or private employment.  These documents are issued with corresponding fees and charges that could be a bit hefty for a jobseeker’s limited budget. Read more: https://bit.ly/2OyzRtA

PUBLISHED: OCTOBER 17, 2018

How to Download a Copy of your Philhealth MDR Online?

philhealth-mdr

The MDR is required when claiming hospitalization benefits for you or your declared dependents.  If you do not have an online Philhealth account, you will have to wait in line at a Philhealth branch or satellite office in order to get a copy.  Imagine the utmost convenience of simply logging in to your account and printing the needed document, all because you have an online Philhealth account!

To help you save time in studying the process on how to download a copy of your MDR, we are sharing the following visual guide.  Bookmark this and share in your network!

Step 1: Log on to your Philhealth online account from the Philhealth website www.philhealth.gov.ph   Read more: http://bit.ly/29w79lH

PUBLISHED: OCTOBER 16, 2018

U.S. WORK VISA: Supporting Documents for You and Your Dependents.

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When you have successfully scheduled your appointment at the U.S. Embassy, you may begin preparing additional documents that can support your reason for entering the U.S.  The Consular Officer who will be assigned to interview you may or may not ask for these documents but it is best that you have it with you.

What do you need to remember when preparing your supporting documents?

  1. Consular officers will consider professional, social, cultural, and other factors during adjudication.  Any document that will attest to your skills or profession will help establish your capabilities as an employee or worker.
  2. Consular officers may look at your specific intentions, family situation, and your long range plans and prospects within your country of residence.
  3. Do not present false documents.  The U.S. Embassy will tag you as permanently ineligible for a visa if you are proven to be presenting fraudulent documents of making false declarations about yourself.
  4. Bring original copies of your documents, not just photocopies.
  5. Bring documents that will establish your job qualifications, including any university diplomas. Read more: http://bit.ly/2jXK7Me
PUBLISHED: OCTOBER 15, 2018

LTO Fines and Penalties for Traffic Violations Part 4: Traffic Violations for Private and Public Utility Vehicles.

LTO-fines-penalties-traffic-violation-4

A leading cause of traffic jams and road mishaps are drivers who deliberately disobey traffic rules.  It could be as uncomplicated as tailgating another vehicle, to overtaking on single or double white lines, to beating red lights especially when there are no traffic enforcers around.

If drivers knew how much they would have to pay, apart from the damages they could cause others because of their negligence, they would probably be a lot more careful on the road.

Our fourth installment in this series will focus on fines and penalties for Frauds and Falsities, and Traffic Violations.

1. Frauds and Falsities

Violation Fines and Penalties (Php)
1. Use of fake plates / sticklers / pursuant documents 2,000 to 4,000 to be imposed upon the owner and / or driver of the subject MV.
2. Misrepresenting a copy of a document pertinent to a motor vehicle before the Traffic Adjudication Services 1,500 to be imposed upon the driver or owner.

Read more: http://bit.ly/2upPxFf 

PUBLISHED: OCTOBER 12, 2018

Passport Application Process: Requirements when Applying for a Legitimized Child’s Passport.

legitimize-child-passport-requirements-applying

A child born out of wedlock is an illegitimate child.  Under the law, such children shall carry their mother’s last name on their birth certificates unless their father provides his consent to let the child use his last name.  In cases when the parents of an illegitimate child decide to marry later on, the child’s status is effectively changed to “legitimate”.  And as a legitimzied child, he or she is given the same entitlements as that of a legitimate child, retroacting to the time of the child’s birth.  This includes the child’s right to use her father’s surname.

So how come “legitimized” children, who have been using their father’s last name since after their parents got married (after their birth), are still required to execute an AUSF (Affidavit to Use Surname of Father) if they want to use their father’s last name on their passports?  (Otherwise, their passports shall bear the last name of the mother as if their birth right is still illegitimate). Read more: http://bit.ly/2kMVdnI

PUBLISHED: OCTOBER 11, 2018

How Does SSS Compute Your Retirement Benefit?

how-does-sss-compute-retirement-benefit

As an SSS member, you are entitled to retirement benefits as soon as you hit your 60s.  This can be a lump sum amount that you can use to start a small business, or go on a trip as a reward to yourself.  Or you can choose to receive a monthly pension, as if you are still being salaried monthly by an employer.

Can you at least have a ball park figure of how much pension you can expect to receive from the SSS later on?  You may still have about 40 years ahead of you before you hit your 60s but it won’t hurt to get a glimpse.  This way, you can think of alternative ways to secure your finances when you finally become a Senior Citizen.

SSS follows three formulas when computing for a member’s pension.  Keep in mind too that the amount of your pension will largely depend on the salary you received during your employment years, and the amount of contribution you religiously remitted to the system. Read more: http://bit.ly/2G7cNLI

PUBLISHED: OCTOBER 10, 2018

How to Get Your Security Deposit from Pesky Landlords?

pesky-landlords

If you are due to vacate your rented apartment unit (or any other residential building, including a dorm room or bed space), your landlord should reimburse your security deposit.  This is the money you gave your landlord before you moved in to the property, apart from your advance.  If your unit does not have any damages and is basically ready for the next occupant to move in, the security deposit should be refunded to you in full.

But what if the landlord refuses to hand your security deposit?  How do you get it back?

Step 1:  Review your lease.

You have a contract, right?  Go over the document and verify that you did not violate any of the rules.  Make sure that the contract includes the landlord’s acknowledgment of your advance and security deposits.

A contract clearly stipulates the length of time you are to occupy the unit; if you are leaving before the agreed time is up, your landlord has the right to withhold your deposit. Read more: http://bit.ly/2redIUV 

PUBLISHED: OCTOBER 9, 2018

How to Apply for the SSS Pension Loan Program?

how-to-apply-sss-pension-loan-program

Here are the details of the SSS Pension Loan Program (PLP) that was announced by the SSS last September 3, 2018:

Who are qualified to avail of the SSS Pension Loan Program?

  • SSS pensioners who are 80 years old and below at the end of the month loan term;
  • Must have no outstanding loan balance and benefit overpayment payable to SSS.
  • Does not have advance pension under the SSS Calamity Package
  • Have been receiving their regular monthly pensions for at least six months.

What are the loan amounts?

According to SSS, the minimum loan amount for a qualified pensioner is twice the amount equivalent to their basic monthly pension plus a Php 1,000 benefit.

The maximum loanable amount is six times their basic monthly pension plus an additional Php 1,000 benefit, but must not exceed a total of Php 32,000.00. Read more: https://bit.ly/2Oa0W68

PUBLISHED: OCTOBER 8, 2018

Mandatory Employee Benefits in the Philippines.

mandatory-employee-benefits-PH

The Department of Labor and Employment is responsible in implementing policies, programs, and services to protect the Filipino rights and privileges as an employee, worker, or laborer.  It is tasked with the enforcement of the provisions of the Labor Code.

If you are a first-time employee, or one who has yet to be acquainted with the Labor Code, you might find this piece helpful.  This can also help business people, who employ others to fulfill their day-to-day deliverables, be more familiar with the required compensation and mandatory government contributions for Pinoy workers.

Here is a summary of all the pays, benefits, and privileges that should be afforded every Pinoy employee. Read more: http://bit.ly/2Fuyl87

PUBLISHED: OCTOBER 5, 2018

How to Withdraw your Pag-IBIG Fund Contributions?

how-to-withdraw-pagibig-contributions

Like your savings deposits in your bank, you also have the option to withdraw your contributions from the Home Development Mutual Fund (HDMF) or Pag-IBIG.  Each member has the right to refund their total accumulated savings or TAV, which includes their monthly savings, employer share, and total annual dividend earnings.

There are, however, certain criteria that a Pag-IBIG member needs to satisfy before he is deemed eligible to withdraw his contributions.

Find out how a member can qualify for Pag-IBIG fund withdrawal and the requirements when requesting for a refund.

What are the criteria for membership termination and refunding of Pag-IBIG contributions? Read more: http://bit.ly/2tVAa8d

PUBLISHED: OCTOBER 4, 2018

Travel Clearance for Minors vs. Parental Travel Permit.

travel-clearance

The DSWD Travel Clearance – Who Needs This and Why?

The DSWD requires a Travel Clearance for children (of minor age) who will be traveling out of the country on their own or with people other than his/her parents or legal guardians. This is the government’s straightforward means of protecting children from the possibilities of human trafficking.

The DSWD Travel Clearance vs. Parental Travel Permit

The Parental Travel Permit is issued by the DSWD to minors traveling abroad accompanied by only one parent or persons exercising parental authority. The parent who will not be going on the trip (for various reasons) must execute a duly notarized Parental Travel Permit as proof that he or she has given her consent for her spouse (father or mother of the child) to take their child on a trip outside the country. This too is in relation with the government’s efforts to discourage human trafficking as stipulated in Republic Act 7610 (also known as Special Protection of Children Against Child Abuse, Exploitation and Discrimination Act). Read more: http://bit.ly/1M40obR

PUBLISHED: OCTOBER 3, 2018

The Senior Citizen Discount: Government Mandated Policies on SC Discounts when Dining Out.

senior-citizen-discount-govt-mandated-policies

Taking our parents out during the weekends and holidays is always a good idea.  If your parents are in their senior years, you get a bonus in the form of discounts when paying for products and services they availed.  All they need to do is flash their Senior Citizen IDs and a fraction of their bill will be waived, plus you get to snag the best parking spots during busy hours at the malls!

When dining out as a group with one or two senior citizens in tow, most restaurants take longer than usual to compute the final bill.  Once we ordered a whole cake as we were celebrating my Lola’s birthday, we were surprised when the cashier asked how many people were going to partake of the cake as that will be their basis in applying my Lola’s Senior Citizen discount (mind you, my Lola paid for the cake with her “birthday money” – she insisted.).

To help us understand how dining establishments treat the Senior Citizen discounts, we are sharing the provisions of RA 9994 or the Expanded Senior Citizen’s Act of 2010, particularly the section that deals with dining out, ordering food for takeout and delivery, and dining out as a group.  Share this with friends and families who have senior citizen relatives! Read more: http://bit.ly/2l5Mri4

PUBLISHED: OCTOBER 2, 2018

Philippine Passport FAQs Part 3: Errors on Passports and Authentication of Documents.

Phil-passport-Faqs-part3-errors-on-passport

If the information in your passport is incorrect, such as the spelling of your name or the date of your birth, can you still use your passport to travel?

Some Pinoys do not have a middle name, can they still apply for a passport even if this is the case?

This is part 3 of our series on Passport FAQs!  Don’t fail to share!

Other Passport-related Inquiries

  1. My passport’s information is incorrect. My passport has a typographical error. What should I do?

If you notice an error in your passport, please go to the nearest Consular Office and inform them about the error so that it can be evaluated and rectified.  You may find the Consular Office nearest you at https://consular.dfa.gov.ph/directory

  1. Can I still use my maiden name in my passport even though I am married? 

Read more: https://bit.ly/2vQghgQ

PUBLISHED: OCTOBER 1, 2018

Just Married! How to Update your Marital Status in Government IDs and Documents.

how-to-update-marital-status

After getting married, the next thing the couple needs to attend to are the updating of their IDs and other public documents, from their old civil status to that of married.  For women, they also have the option to change their maiden last name and begin using their husband’s last name in their IDs and government documents.  Take note that changing the woman’s last name is not mandatory; women have the option to keep their maiden last name for as long as they want.

To help newlyweds get started on this rather daunting task, we are sharing the following information, requirements, and processes involved in updating your marital status and changing your last name. Read more: http://bit.ly/2sKkZNu

PUBLISHED: SEPTEMBER 28, 2018

How to Register as a PhilHealth Voluntary Member.

philhealth-voluntary-member

Pinoys have yet to fully accept the values and benefits of being insured.  Whether it is a life or medical insurance, every working Filipino must be protected from the inevitable.  When unfortunate situations arise – a family member gets sick, a child meets an accident – it is best to be prepared.

If you are employed by the government or by a private firm, it is most likely that you are granted a medical insurance sponsored by your employer.  This is a good thing to have, especially if it is extended to your family.  However, this is only applicable while you are salaried by your employer.  The moment you quit your job (or it quits you!), you lose the privilege and will be left on your own to manage when you or someone in your family gets sick. Read more: https://bit.ly/2jYsMRW

PUBLISHED: SEPTEMBER 27, 2018

Five Steps in Filing Court Decree of Annulment.

5-steps-in-filing-court-of-decree-annulment

After your annulment has been granted by the court, you need to file the court decree at the Civil Registrar’s office.  You need to do this in order for your marriage certificate (from your previous marriage) to be annotated with the details of the approved annulment.  This will serve as proof that you are now free to marry again.

Most of the time, filing the court decree at the City Hall is included in the petitioner’s lawyer’s services; however, in cases when the petitioner is left to process the documents on his own, he or she may find the following information useful. Read more: http://bit.ly/2sT5pPd

PUBLISHED: SEPTEMBER 26, 2018

Philhealth’s Animal Bite Treatment Package.

philhealth-animal-bite

If you are fond of taking care of pets, or are in an area where dogs and cats freely roam the streets, you are at a higher risk of getting bitten by stray animals and exposed to the rabies virus. Animal bites must be taken seriously because when left untreated, can cause irreversible infections and in worse cases, death. According to the Department of Health, rabies is considered to be a neglected disease; it is 100% fatal yet also 100% preventable. It is regarded as a significant public health problem.

One of the reasons why people neglect to see a doctor after they have been bitten by an animal is because they think the vaccines are expensive. This is true especially if you intend to get the treatment from a private hospital. In cases when the bite is almost superficial, nothing more than a scratch or a gash, people think it is nothing significant and therefore, can be passed off as just some wound that will heal on its own. Read more: http://bit.ly/2fqQLHm

PUBLISHED: SEPTEMBER 25, 2018

PSA Birth Certificate: First Requirement When Getting Your National ID.

first-req-when-getting-national-id

The Philippine Statistics Authority (PSA) is anticipated to pilot run the National ID system in December this year, targeting one million Filipinos to be given their very own national ID under the Philippine Identification System.  The national ID shall be honored in both private and government transactions, especially those that require the confirmation of a person’s identity, marital status, birth, and other pertinent personal information.

Application Requirements

All Filipinos residing in and outside the country are encouraged to secure their own national IDs as soon as the government opens its doors for applications.  The only requirement at this point is your PSA birth certificate to be presented during application.  This may be the best time to secure a copy of your birth certificate so you can be first in line when PSA starts accepting ID applications.

You can have your PSA birth certificate delivered to you by ordering online at www.psahelpline.ph. Read more: https://bit.ly/2NnNsUL

PUBLISHED: SEPTEMBER 24, 2018

Prenuptial Agreement: Should You Get One Before Tying the Knot?

prenuptial-agreement

After the wedding party is over and all the gifts have been unwrapped, the newly-wed couple settles back and realizes that life continues in a normal fashion.  Reality sets in sooner than they expect and before long, they find themselves dealing with the same matters they dealt with when they were single.

One such matter is their finances.

While most couples succeed at creating an effective financial plan for their future family, some are not as lucky and find themselves parting ways because of money matters.  One way of settling this sensitive issue between couples is by having a prenuptial agreement.

What are prenuptial agreements and is this something everybody should consider before getting married?  Why do couples frown at the idea of signing a prenuptial agreement only to regret not having one in the end?

We researched on this topic and gathered relevant information that can help soon-to-be husbands and wives appreciate the value of having a prenuptial agreement before taking the plunge. Read more: http://bit.ly/2oMAqAv

PUBLISHED: SEPTEMBER 21, 2018

Important Guidelines When Applying for a Philippine Passport.

important-guidelines-applying-phil-passport

Here are some tips that can help you make the most of your appointment with the DFA for your passport application or renewal.

Before applying for a Philippine passport:

  • All applicants should secure an online appointment when applying for a passport.
  • The public is advised to secure their passports prior to booking their flights.  Flight bookings should only be made if passports are still valid for at least six (6) months.
  • A confirmed appointment is required for all applicants except for those who would qualify for the courtesy lane.
  • Applicants are reminded to be on site not earlier than 30 minutes on their selected date and time of appointment at their chosen consular office.
  • Personal appearance is required for all applicants.
  • Please be warned that dealing with fixers is at your own risk and expense.
  • Prepare all the originals and photocopies of the documentary requirements for passport application. Read more: https://bit.ly/2xa3qaM
PUBLISHED: SEPTEMBER 20, 2018

What’s In A Last Name: What Last Name to Give Your Child if You are Not Yet Married to His Father?

whats-in-a-last-name

What does the Family Code say about illegitimate children?

According to Executive Order No. 209, otherwise known as the Family Code of the Philippines, illegitimate children are children conceived and born outside a valid marriage (Art. 164).  Under the same E.O., illegitimate children shall use the surname and shall be under the parental authority of their mother. (Art. 176).

In 2004 however, Article 176 was amended by virtue of R.A. 9255.  The new law allows illegitimate children to use the surname of their biological father, provided that the father acknowledges his paternity over the child. Read more: http://bit.ly/2lRxDng

PUBLISHED: SEPTEMBER 19, 2018

How to Renew a Lost and Expired Philippine Passport?

how-to-renew-lost-expired-passport-PH

A basic requirement for passport renewal is the submission of the expired (or expiring passport) so the DFA can cancel its validity.  But what if the old passport has gone missing?

Here’s how you can renew a lost and expired passport:

GENERAL REQUIREMENTS:

  • Personal appearance.
  • Confirmed appointment.
  • No need to submit a passport size photo.
  • Submit same documents required for first-time passport applicants.

ADDITIONAL REQUIREMENTS in case the passport was lost and cannot be found:

  • Submit a Notarized Affidavit of Loss (with detailed explanation on when, where, and how the passport got lost).
  • If the lost passport is still valid, submit a Police Report.
  • If available, bring a photocopy of the first page of the lost passport.

Take note that there will be a 15-day clearing period prior to the processing of an application for replacement of a lost valid passport. Read more: http://bit.ly/2rzm8bC

PUBLISHED: SEPTEMBER 18, 2018

Can You Apply for the Late Registration of Birth of a Deceased Person?

can-you-apply-for the-registration-birth-deceased-person

Mang Roy was a famous farmer in their barrio.  His success story, from being a humble tenant who plants and harvests for landlords, to being one of the wealthiest landowners and supplier of root crops, fruits, and vegetables in their province, is well-known in their barangay.  When he retired from farming at the age of 62, he has successfully established his family’s properties and remained to be the largest supplier of milled rice in their region.

Sadly though, Mang Roy passed away shortly after handing over the operations of their farms to his eldest daughter. After his death, his family decided to subdivide part of Mang Roy’s farmland, the areas that he set apart for his children’s inheritance.

Through the help of a lawyer, the documents needed to transfer the land’s titles to Mang Roy’s children were filed at the Registry of Deeds.  Everything went smoothly until the ROD required the children to submit a copy of Mang Roy’s birth certificate. Read more: http://bit.ly/2EDJq6e

PUBLISHED: SEPTEMBER 17, 2018

Unfair Credit Collection Practices: How To Handle Abusive Credit Collectors.

unfair-credit-collection

Are credit collectors free to pursue debtors any way they deem necessary?

While creditors are entitled to payment and are at a liberty to demand from their debtors, they must not cross the lines that govern credit card operations of banks and affiliate credit card companies. They must observe legally permissible means to encourage payment from debtors.  To protect the interest of the general public, the Banko Sentral ng Pilipinas (BSP) issued Circular No. 454 which covers, in detail, the definitions of Unfair Collection Practices and how such collection must be conducted by banks and their collection agencies.

Below are excerpts on this particular regulation, lifted exactly from the said BSP document, describing in detail what are considered as unfair collection practices. Read more: http://bit.ly/2nDVk3j

PUBLISHED: SEPTEMBER 14, 2018

Top 10 Most Asked Questions About PSA Birth Certificates.

10-most-asked-question-PSA-BC

Answer: You may go ahead and appear at the DFA on the date of your appointment, bring all the required IDs and supporting documents as listed in the passport.gov. website.  You may be required by the DFA to submit an Affidavit of Undertaking in support of your claim that your birth certificate is undergoing a correction. Take note that the DFA may also simply advise you to come back when a copy of your birth certificate is already available.  It is up to you to explain to them why you still cannot execute a copy of the document.

Question: My wife and I will be accompanying our 3-year-old son for his passport application. Can we both access the priority lane so we can have our passports renewed at the same time?

The Priority Lanes at DFA offices are reserved for Senior Citizens, OFWs, PWDs, pregnant women, and children below 7 years old.  Only one companion is allowed to be with the applicant inside the DFA premises; only this companion may take advantage of the no-appointment privilege.

 

Read more: http://bit.ly/2BLgGqe

PUBLISHED: SEPTEMBER 13, 2018

Ano ang 9/12 Rule ng PhilHealth?

9-12-rule-ng-philhealth

Sa October 1, 2018, ang lahat ng PhilHealth members ay dapat nakakumpleto ng hindi bababa sa 9 months na contributions sa loob ng 12 months BEFORE or BAGO ang hospital confinement, upang magamit ang kanilang mga benepisyo.  Ito ang 9/12 rule na papalit sa 3/6 (3 months paid contributions within the last 6 months prior to confinement) rule na kasalukuyang sinusunod ng mga members at mga hospitals.

Paano ang pagbilang ng 9 months sa 9/12 rule?

Kung ang date of confinement mo ay October 2, 2018 (isang araw matapos mag effect ang 9/12 rule), bumilang ka ng 12 months pabalik, kasama ang buwan ng confinement (October).

  • 12 months: October 2018 to November 2017
  • Kailangang bayad ang contributions ng 9 na buwan between October 2018 to November 2017,
  • Hindi kailangang consecutive o sunod-sunod na buwan ang bayad; basta’t nakabuo ng at least 9 months na premium payments, eligible ang miyembro sa PhilHealth benefits. Read more: https://bit.ly/2QdOj8m
PUBLISHED: SEPTEMBER 12, 2018

Requirements for Declaration of Presumption of Death.

reqs-for-declaration-presumption-death

A common question we receive from readers is how to remarry without going through the process of annulment or divorce.  Of course the obvious answer to this question is there is no other way for a married person to get married again unless his or her spouse dies and makes him a widow/widower.  This answer gave birth to more questions about negligence, abandonment, and presumptive death as grounds for the other party to seek solace in another person’s company.  Questions such as: I haven’t seen or heard from my husband for five years! Can I remarry now? fill our mailboxes almost every day.

Oh love, how could you be so sweet and bitter at the same time?

To help shine some light into this madness, we are sharing the following list of legal requirements for declaration of judicial presumption of death, as lifted from the Public Attorney’s Office website.  It would be safe to assume that the absence of any of these requirements would demerit your case of tagging your spouse as “deceased” and prevent you from marrying again.  If you have further questions, you may get in touch with a lawyer who can explain this to you in detail. Read more: http://bit.ly/2twfnaN

PUBLISHED: SEPTEMBER 11, 2018

What Can POEA Do For You? A Quick Guide for Aspiring OFWs.

what-can-poea-do-for-you

If you are planning on working abroad, one of the first things you need to take care of is your security.  Be wary of illegal recruiters and fake job agencies that can only get you in serious trouble with abusive employers abroad.  In order to avoid being in an OFW Horror Story, you need to account your employment with the Philippine Overseas Employment Administration or the POEA.

Who is the POEA?

The POEA is primarily responsible for securing the best employment terms of Pinoy migrant workers, from the moment they engage with a recruiter in the Philippines until they are deployed to their respective employers.   POEA works alongside its sister agency, the Overseas Workers’ Welfare Administration (OWWA) to ensure that the Pinoy overseas workers’ welfare is respected and upheld, wherever he may be. Read more: https://bit.ly/2sn4Nja

PUBLISHED: SEPTEMBER 10, 2018

Should You Get a Pag-IBIG Multi-purpose Loan or an SSS Salary Loan?

pagibig-multi-purpose-loan-or-sss-salary-loan

If you are a member of the Social Security System and the Home Development Mutual Fund or Pag-IBIG (HDMF), you have various privileges such as short-term loan applications, housing loans, educational loans, and retirement benefits.  You have the option to choose one from the other or maximize both.

Today we are going to feature the similarities and differences between one of the most common loan applications offered by both agencies – salary loan.  Both are popular among employed Pinoy members because both offer lower interest rates and light payment schemes.

If you are thinking of borrowing money from a bank or any other lending facility, it may help to read first on the following facts about SSS and Pag-IBIG salary loans.

What are the requirements when applying for a salary loan? Read more: https://bit.ly/2wiNIwh

PUBLISHED: SEPTEMBER 7, 2018

How Do I Change My Mother’s Name on my PSA Birth Certificate?

how-do-i-change-my-mothers-name-BC

Sofie has always known that her mother’s name is Emelita.  That is the name written on all her mother’s IDs and on the birth certificates of Sofie and her siblings.  However, when Aling Emelita requested for a copy of her PSA birth certificate, they were shocked to see that her name is actually not Emelita but Maria Rosario!  All other information on her birth certificate is correct, her birth date, birthplace, and the names of her parents.  Everything, except her name.

They discovered this in the early ‘90s when Aling Emelita was preparing to work abroad.  Since she was in a hurry to get a passport, she resolved to use her Maria Rosario birth certificate and was granted a passport as Maria Rosario.

When Sofie graduated from high school with flying colors, her parents gifted her and her siblings a trip to Tokyo Disneyland.  Sofie and her three siblings, all minors, trooped to the DFA to get their passports.  But they were all horribly disappointed when their applications were put on hold because of the inconsistency in their mother’s name as written on their birth certificates and the name that appears on their mother’s birth certificate.  On their birth certificates, their mother is Emelita.  But on Aling Emelita’s, her name is Maria Rosario.

How does one correct their parent’s name as it appears on their birth certificate? Read more: http://bit.ly/2EoSKuC

PUBLISHED: SEPTEMBER 6, 2018

U.S. Visa: Denied! Common Reasons Why Pinoys are Denied a U.S. Visa.

us-visa-denied

After you have successfully set an appointment online for your interview at the U.S. Embassy, you are one step closer (or farther!) from your objective of setting foot in the land of the free and the home of the brave.  Here comes the inevitable question: will you be granted a U.S. Visa?

According to recent statistics, 75% of US visa applications are approved yearly; roughly three out four applicants leave the U.S. Embassy with victorious smiles on their faces.  On the other hand, the 25% that are denied their chance to see the U.S. are left wondering what could have gone wrong with their interview.

Was it the nature of my employment?

Did I have to have an invitation letter from my Ninang who lives in Florida?

I’ve traveled to different countries in Asia, didn’t the Consul see those in my passport?

Read more: http://bit.ly/2jqGgar

PUBLISHED: SEPTEMBER 5, 2018

SSS Sickness Benefit: Everything You Need to Know.

sss-sickness-benefits

Getting sick is inevitable.  Whether you are an employee, a business person, or a stay-at-home parent, you will eventually have to take some rest to recuperate from a viral or bacterial infection.  Other times, you might get injured at work and will need some time off to heal and rehabilitate before you are able to go back to your normal daily routine.

The good news is, if you are a member of the SSS, you are entitled to sickness benefits to help you defray expenses when your capacity to earn is lessened due to being confined in bed, a wheelchair, or a hospital.

How to know if you are qualified for SSS Sickness Benefits? Read more: http://bit.ly/2oOtRyM

PUBLISHED: SEPTEMBER 3, 2018

The Senior Citizen Discount: Are Grocery Items Included in the List?

senior-citizen-grocery-items

A Senior Citizen ID card holder may enjoy two free movies at cinemas in Quezon City on specific days.  When dining or buying medicines, they are granted a 20% discount off of the cost of their meals and medications.  They are also given priority seats in public transportation and are granted the best slots in parking areas.

All’s well until they find themselves lined up at grocery counters.  Most first time SC card holders are surprised to find out that the 20% discount and VAT exemption applied on certain goods and services for use and enjoyment of Senior Citizens are not applicable on grocery items.

What are the discountable goods and services mentioned in the Expanded Senior Citizens Act of 2000? Read more: http://bit.ly/2mQVMxY

PUBLISHED: AUGUST 31, 2018

Can False Information on a PSA Birth Certificate be Corrected or Removed?

can-false-info-bc-be-corrected-removed

When a child is born out of wedlock, the child carries the mother’s family name unless the father gives his consent for his child to use his last name and acknowledges him on paper.  The date of marriage field on the child’s birth certificate must also be left blank until the parents are married, if and when.

There are cases when the child’s parents would place false information on their child’s birth certificate, declaring themselves to be married when they are not.  Some single moms manage to include the child’s father’s last name on the child’s birth certificate, without seeking the latter’s consent.  In their desire to save their child from being labeled illegitimate, they end up falsifying a public document, never mind the consequences it will eventually bring on their child.

So how does one correct the false information written on a birth certificate? Read more: http://bit.ly/2G9f8Vm

PUBLISHED: AUGUST 29, 2018

Your PSA (NSO) Birth Certificate As Proof Of Your Citizenship.

proof-of-citizenship

After we graduated from college in 1998, my best friend, James, got married to his pregnant girlfriend who is a naturalized US citizen.  They got married in California and then flew back to the Philippines to settle here for good.  However, when their baby was born, his wife asked that they move back to the US so she can pursue her career in I.T.  My friend was only 20 years old then and was at the height of his career as a band singer, travelling all over the country and earning well.  He wanted to stay until his band is able to launch an album and go main stream.

His wife took their baby and left for the US anyway and left my friend behind.  But because James missed his daughter so much, he applied for a tourist visa and followed his family to Texas and spent a year trying to get used to his new environment.  That was all he needed to realize that he is not cut-out for the ‘American Dream’.  He came back to the Philippines with a broken heart. Read more: http://bit.ly/2bcWAGP

PUBLISHED: AUGUST 28, 2018

LTO Fines and Fees for Traffic Violations: What You Need to Know.

lto-fines-and-fees-traffic-violation

Getting a ticket for a traffic or vehicle regulation violation means you will not only have to stop and spend a good 15 to 20 minutes negotiating with a traffic enforcer but also that you will have to pay the prescribed fee for the violation you committed.  It is both a pain in your schedule and your pocket that is why most drivers do everything in their capacity to avoid (or sometimes, evade!) these violations.

Among these violations are driving without a valid license which will cost you Php 3,000, reckless driving at Php 2,000 for the first offense, and parking violations that start at Php 1,000 for the first offense. Read more: https://bit.ly/2JB43yy

PUBLISHED: AUGUST 24, 2018

10 Most Common Problems Encountered by Pinoy OFWs.

common-problems-encoutered-by-ofw

To work abroad and be able to provide handsomely for their families in the Philippines is a common goal among most Filipinos.  Time and distance become insignificant at the promise of a better compensation package, a legitimate contract, and sometimes, an opportunity to migrate overseas with the family.

While most OFWs are able to enjoy the sweet fruits of their labor, it is no secret that more than a handful of them come back home with broken hearts and dreams.  Why is this so?

We researched on the top reasons our beloved OFWs give up on their goals abroad, pack their bags, and take the next flight out back to where they came from.  What problems plague overseas workers and how can these be prevented? Read more: http://bit.ly/2qQNgRX

PUBLISHED: AUGUST 23, 2018

Problems with PSA (NSO) Birth Certificate : No First or Last Name in PSA (NSO) Birth Certificate.

no-first-or-last-name-in-nso-birth-certificate

What could be more disappointing than finding out that you do not have a first name or last name written on your NSO Birth Certificate (now PSA Birth Certificate)?

It could be that your parents were overwhelmed with joy when they first saw you that they failed to tell the nurses your name.  Or maybe they haven’t decided on a name yet and thought that they’d just have yours registered later on.  The clerk may have missed it.  Or the nurse.

There are a whole bunch of reasons why a PSA Birth Certificate would show a blank space where a first or last name should be.  But take heart; this can be corrected so that your name would clearly reflect on your Birth Certificate.

Here’s how: http://bit.ly/1q3VMZL

PUBLISHED: AUGUST 22, 2018

All You Need to Know About the National ID System.

national-id-system-all-u-need-to-know

Sooner than later, we shall be required to register with the Philippine ID system and get our very own national ID.  On August 6, 2018, the President signed the national ID system bill into law, mandating the government to create a single official identification card for all of the country’s citizens and foreign residents.

What does this mean to Filipinos?

A centralized database for the vital information of all residents of the country will be implemented to speed up and improve the delivery of government services.  Pinoys no longer need to present multiple government-issued IDs for their transactions with government offices and private establishments. Read more: https://bit.ly/2Oq2W6N

PUBLISHED: AUGUST 17, 2018

Can I Renew My Passport Before It Expires?

can-i-renew-passport-b4-expires

The quickest answer to this question is yes.  In fact, it is highly advisable to have your passport renewed before it expires as most countries require that your passport be valid for at least six months beyond the date of your departure.

Here are a few more pointers that frequent travelers need to know about passport renewals:

  1. Frequent travelers must not wait until their passports are nearing expiration before they have it renewed.  If your work or business requires you to travel often, you must renew your passport once you have used up half of its pages. Read more: http://bit.ly/2n5sESU
PUBLISHED: AUGUST 16, 2018

Quick Guide to the No Balance Billing of PhilHealth.

philhealth-quick-guide-balance-billing

What is the No Balance Billing?

No Balance Billing or NBB is a privilege given to qualified PhilHealth members.  If you are covered by the NBB policy, you no longer need to pay for your hospitalization at any government hospital and selected private medical centers nationwide.  It is the government that pays for the member’s hospital expenses without prejudice to the quality of service and attention given to the patient. Read more: http://bit.ly/2ylxv9m

PUBLISHED: AUGUST 14, 2018

A Married Woman’s Child with another Man is Not an Illegitimate Child.

married-woman-child-with-another-man

Mercy is married to Joel and they have three kids, all minors.  In 2015, they separated, with Joel taking their children with him to the province where they can continue their studies while he tended the family’s farm as his means of income.  Mercy was left in Manila with her parents; she was working as a call center agent at the time of their separation.

In 2016, Joel filed for annulment.  Around the same time the papers were hand-carried by a court personnel to Mercy’s house, she was already dating a new guy from work.  Not long after, Mercy broke the news to her family that she is pregnant.

Her boyfriend, an unmarried man, is willing to acknowledge Mercy’s baby.  Their plan is to get married as soon as Mercy’s previous marriage is officially annulled; they will have their baby legitimized after they get married.

Will Mercy and Joel’s plans succeed?  Will this not cause problems or confusion on the child’s birth right?  Can the child use his biological father’s last name while his mother is still married to her previous husband?

According to the Family Code, a child born to a married woman is considered legitimate, even if the mother declares against its legitimacy, or even if she has been sentenced as an adulteress (Article 164 and Article 167). Read more: http://bit.ly/2rpULQF

PUBLISHED: AUGUST 13, 2018

Can a Child’s Legitimation (Due to Subsequent Marriage) be Cancelled?

legitimation-of-child-cancelled

What is ‘Legitimation’?

According to the Philippine Statistics Authority (PSA) website, legitimation is a remedy by means of which those who in fact were not born in wedlock and should, therefore, be considered illegitimate, are by fiction, considered legitimate, it being supposed that they were born when their parents were already validly married.

Who can be ‘Legitimated’?

Legitimation may be done for children who were conceived before their biological parents were married, provided that their parents were not disqualified by any impediments to marry each other.

For a child to be considered legitimated by subsequent marriage, it is necessary that:

  • The parents could have legally contracted marriage at the time the child was conceived;
  • That the child has been acknowledged by the parents before or after the celebration of their marriage; and
  • The acknowledgment was made with the consent of the child, if age or with the approval of the court, if a minor, unless it has been made in the certificate before a court of record, or in any authentic writing. Read more: http://bit.ly/2qWwE7b
PUBLISHED: AUGUST 10, 2018

CFO Guidance and Counseling Certificate : Ang Mga Kailangan Mong Malaman.

cfo

Ano nga ba ang Guidance and Counseling Certificate mula sa Commission of Filipino Overseas (CFO)?

Ang CFO ay nagbibigay ng seminar at counseling session para sa mga Filipino citizens na nakapag asawa ng foreign national. Ito ay isang paraan para matulungan ang mga Pilipino na may balak mag-migrate sa ibang bansa sa bisa ng kasal nila sa foreign national. Tinatalakay dito ang mga issue tungkol sa inter-marriage, migration, ang buhay at kultura sa ibang bansa, at iba pang related topics. Tumatagal ang seminar ng dalawang oras; pag natapos mo ito, bibigyan ka ng CFO Certificate of Attendance na siya mo namang ipapakita sa DFA kapag nag apply ka ng passport.

Kapag nakuha mo na ang iyong passport at visa, maaari ka nang mag register para sa Guidance and Counseling Certificate at makakuha ng CFO Emigrant Registration sticker. Ito ay ididikit sa iyong passport bilang patunay na natapos mo ang requirements mula sa CFO. Iche-check ito ng immigration officer sa araw ng pag-alis mo kaya’t siguraduhing kasama sa iyong hand-carry ang mga documents mula sa CFO (bukod sa iyong passport, tickets, at iba pang documents). Read more: http://bit.ly/1LloyP8

PUBLISHED: AUGUST 9, 2018

Problems with PSA (NSO) Birth Certificate: Change of Name on Birth Certificate.

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Liezel is a 34-year-old mom who has been using two first names all her life.  All her documents and transactions show her first name as Maria Liezel: on her marriage contract, on her children’s birth certificate, her land titles, and tax declarations.  Even her bank accounts and driver’s license show her name as Maria Liezel.  However, on her PSA birth certificate, her first name is indicated only as Liezel. No Maria or Ma.

  1. Is this considered a clerical error?
  2. Does she need to have her name on her children’s birth certificates corrected to make it consistent with what is reflected on her birth certificate?

According to the Philippine Statistics Authority website (www.psa.gov.ph), such errors can be corrected under R.A. 10172 (Civil Registration Laws).  Liezel’s case is not considered as clerical error (the missing Liezel from her first name).  What she needs to do is have her name on her birth certificate changed from Liezel to Maria Liezel under R.A. 10172. Read more: http://bit.ly/1UUve9o

PUBLISHED: AUGUST 8, 2018

What is the SSS?

what-is-SSS

If you are graduating from college in a few months or have just recently started applying for a job, you are most likely to apply for your very own SSS membership.  Like what I said in my previous entry, for the young and the restless, an SSS number is nothing more than a pre-employment requirement that needs to be accomplished and submitted.  I had to learn the facts on my own and when I did, I was thankful I worked on my membership at an early age and have not neglected to pay my contributions ever since.

What exactly is the SSS and how much of your income should go to it?  Is it really wise to invest in it now while you’re young or would you much rather put your hard-earned money in a private life insurance firm that secures both you and your dependents? Read more: http://bit.ly/2FD74x8

PUBLISHED: AUGUST 7, 2018

Guide to Applying for a U.S. Tourist Visa Online.

guide-to-apply-us-tourist-visa-online

To travel to the United States, a Filipino must be granted one of two Visa types available to Pinoys: a Nonimmigrant Visa or an Immigrant Visa.

Nonimmigrant Visas are for travelers who wish to enter the United States and stay there for a definite period of time.  It is given to Pinoys who wish to tour the U.S., visit friends and relatives who reside there, seek medical treatment, or attend company and business functions.  Nonimmigrant Visa holders are expected to return to the Philippines within a prescribed period.

Immigrant Visa on the other hand are for those who wish to relocate to the U.S. and live there permanently.

In this article, we will be providing the step-by-step process needed when applying for a U.S. Non immigrant Visa and setting your interview appointment online.  These were lifted from the U.S. Embassy website. Read more: http://bit.ly/2iwoyxM

PUBLISHED: AUGUST 6, 2018

Passport Application Process: Applicant’s Name on Birth Certificate does not Match Names on IDs.

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A passport applicant was denied because her name on her birth certificate did not match any of the IDs and clearances she presented to the DFA.  Why is this so?

Janine’s parents’ marriage was annulled shortly after she turned one year old.  After the annulment, her mother immediately reverted to using her maiden last name.  Since the mother had sole custody of Janine, she decided to drop the father’s last name and had Janine use her maiden name in all of her records instead.

Now, at 34 years old, Janine applied for her passport (for the first time) and was shocked when she was told her application was denied.  According to the DFA, the name on her birth certificate and the names on the rest of her documents and IDs do not match.  And because of this, she needs to have her birth certificate amended first before her application could be entertained. Read more: http://bit.ly/2lpb5dY

PUBLISHED: AUGUST 3, 2018

How To Compute for SSS Maternity Benefits.

sss-maternity-benefits-compute

This article is for our mom-to-be followers who are wondering if they are qualified to claim for maternity benefits from the SSS.  Often, expectant mothers who only recently began making SSS contributions, or those who missed a month or two prior to their delivery dates, are worried that they would not be able to claim assistance from SSS.

We lifted the official computation and other guidelines from the SSS website to help all female SSS members understand how maternity benefits are determined.

The SSS Maternity Benefit

  • For normal delivery and miscarriages: 100% of member’s average daily salary credit multiplied by 60 days.
  • For caesarean section delivery: 100% of member’s average daily salary credit multiplied by 78 days. Read more: http://bit.ly/2qZYROz
PUBLISHED: AUGUST 2, 2018

U.S. Work Visa: Work Descriptions and Applicant Qualifications.

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Filipinos who wish to work (legally!) in the United States must have a valid Work Visa issued by the U.S. Embassy.  There are several types of work visas available for Pinoys; these are based on the kind of job they applied and qualified for.

Keep in mind that work visas are applied and processed only after a petition from the Pinoy’s prospective U.S. employer has been approved by the U.S. Citizenship and Immigration Services (USCIS).  This means that you should have already complied with and satisfied the requirements of the U.S. employer. Read more: http://bit.ly/2jH5rTX

PUBLISHED: AUGUST 1, 2018

Problems with your PSA Birth Certificate: They Wrote the Wrong Religion!

they-wrote-the-wrong-religion

The Philippines is the bastion of Christianity in Asia with over 93% of our population listed as Christians; we ranked 5th worldwide according to a 2011 report of the Philippine Daily Inquirer.  Filipinos take religiosity pretty seriously.  To us, it is not just some form of affiliation or membership, it is a legacy passed on to us, an identity we must protect and preserve at all costs.

And so it IS a big deal to have to find out that your religion, as written in your birth certificate, is anything but Catholic or Christian.  Read more: http://bit.ly/2rNcEZ1

PUBLISHED: JULY 31, 2018

Problems with NSO Birth Certificate: Wrong Gender in PSA (NSO) Birth Certificate.

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How do you correct a person’s gender in his NSO Birth Certificate (now PSA Birth Certificate)?  If he is male but his birth certificate shows him as “female”, can he have his birth certificate updated to show his correct gender?

If your birth certificate shows an incorrect gender, it is considered a clerical error and therefore, can be rectified by filing a petition for clerical or typographical error.  This can be done at the Local Civil Registry (LCR) office of the city or municipality where the birth was registered.

Here is what you need to do: http://bit.ly/1N5gTVG

PUBLISHED: JULY 30, 2018

Where to Get the First Corrected Copy of Your PSA Document.

where-to-get-1st-corrected-copy-psa-docs

Errors in your civil registry documents could adversely affect your transactions with the government or private establishments.  Often, erroneous birth certificates and other documents from the PSA are referred to the LCR of the place where the birth, death, or marriage was originally recorded.  Misspelled names and other obvious clerical corrections are rectified through a Petition for Correction of Clerical Error while more complicated cases are referred to a legal counsel or, sometimes, are heard in court.

One way or the other, the error is corrected or the missing information is supplied, and the owner of the civil registry document is then able to acquire an accurate copy of his PSA certificate. Read more: http://bit.ly/2ABZuOV

PUBLISHED: JULY 27, 2018

10 Best Tips to Avoid Getting Offloaded from Your Flight.

best-tips-to-avoid-getting-overload-flight

One of the worst things that can happen to a traveler is to get offloaded from his flight.  The truth is, there is no definite list of things that one can do in order to completely avoid being barred from boarding his plane.  It can happen to a tourist, a CEO on a business trip, and even OFWs.

This article intends to inform travelers of what they need to have on hand when checking in and boarding their planes.  These are based on actual experiences of other travelers as well as tips from Immigration Officers (who have seen one too many passengers suffer the consequences of incomplete and insufficient documents to corroborate the veracity for their trip). Read more: http://bit.ly/2jC2DKE

PUBLISHED: JULY 26, 2018

Problems with PSA (NSO) Birth Certificate : Are You a “Baby Boy” or “Baby Girl”?

are-you-a-baby-boy-or-baby-girl

Us Pinoys have a penchant for naming anything small, cute, and cuddly, Baby, including our children.  We often disregard the fact that these babies will soon grow up to become boys and girls, and eventually, men and women.  Imagine being the Chairman of the Board of a multi-national company and your team calls you “Sir Baby”.

A common problem encountered by parents (and their children!) is when they realize that the word “Baby” has been included in the first name field of the Certificate of Live Birth document and is now essentially considered as the first name of their child.  So that if they named their child James, his full name would then be Baby James.  Worse, if it was the hospital that committed the error, the name would even be something like Baby Boy James (“Baby Boy” being the default identification for male infants; this is written on the baby’s name card while housed at the Nursery). Read more: http://bit.ly/1RYAdpC

PUBLISHED: JULY 25, 2018

Process of Annotating the Marriage Certificate After Annulment Has Been Granted.

annotating-marriage-certificate-after-annulment

We receive a lot of inquiries about the annotation of marriage certificates after the annulment has been handed down by the court.  Most couples think that the moment they receive the finality of the annulment, they are free to get married anytime.  They would soon realize that the process of annotating the marriage certificate and the CENOMAR of annulled couples take longer than most of us think.

So we conducted some research on this subject to find out what happens after the court has declared a marriage null and void.  How long do the parties need to wait before they can re-marry?

Find out here: http://bit.ly/2cZ7NLI

PUBLISHED: JULY 24, 2018

Benefits for Solo Parent ID Holders.

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And finally, the last installment in our Solo Parent series: the list of benefits that await Solo Parent ID holders.

There are two types of benefits available to qualified Solo Parents: Employment-related and benefits to cover a child’s basic needs.  Read on!

Employment-Related Benefits:

1 .Flexible work schedule.

Hangga’t hindi makaka-apekto sa productivity ng empleyado at ng kumpanya, ang mga employers ay required na bigyan ng flexible working hours ang mga solo parents.  Ang ibig sabihin nito ay ang isang solo parent employee ay maaaring magbago ng work schedule basta’t hindi nito maaapektuhan ang required number of work hours.  May mga employers na maaaring ma-exempt sa requirement na ito, depende kung valid ang rason ng kanilang request for exemption.  DOLE ang magpapasya ng exemption ng isang employer. Read more: http://bit.ly/20W9nQC

PUBLISHED: JULY 23, 2018

How Married Women Can Keep Their Maiden Names.

how-married-women-can-keep-maiden-names

They say the greatest gift your father can give you is his name.  However for women, their father’s names get replaced with their husband’s when they marry.  They embrace the heritage that comes with their new last name and become associated with the husbands’ family tree.

Do women have the option to keep their father’s names after they get married?

The answer is yes.  In reality, marriage only requires a woman to change her civil status, not her name.

You can find the answer in Article 370 of the Civil Code, where a married woman’s options regarding using her husband’s last name are enumerated. Read more: http://bit.ly/2vXpNwT

PUBLISHED: JULY 20, 2018

Requirements and Processes when Adopting a Child in the Philippines.

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How does one adopt a child in the Philippines?  Whether you are adopting a child from any of the local orphanages and DSWD offices in the country, or the child of a relative, or maybe even your own child, you need to be aware of the requirements and processes you have to go through.  Be forewarned that this is not a simple process.  Unlike when applying for a marriage license or registering the birth of a child, adopting a child involves a long and tedious process of qualifying the adopting couple or family and waiting for the approval (or disapproval) of the application.  So it is important that you are physically, mentally, and financially prepared before you decide to take the plunge.

To help you get started, here are the list of requirements and procedures in adopting a child in the Philippines. These were lifted from the Department of Social Welfare and Development (DSWD) website and Philpad.com.  These are based on the Domestic Adoption Law (RA 8552). Read more: http://bit.ly/2avYVhO

PUBLISHED: JULY 19, 2018

Quick Facts for Passport Applicants at the DFA.

quick-facts-passport-applicants

Now that you have finally set an appointment for your passport application, it is time to begin preparing the requirements you need to bring.  Here’s a summary of all the things you need to know when applying for a Philippine Passport at any DFA office:

  1. Personal appearance is required for all applicants.
  2. A confirmed appointment is required for all applicants except senior citizens, infants, and minors below 1-year-old and OFWs. For OFWs, sufficient proof must be submitted such as a valid employment contract or OEC.
  3. Earrings and contact lenses are not allowed during data capture. Smiling with visible teeth is also not allowed.
  4. Check all the data in the computer monitor and in the Enrolment Certificate before signing it.
  5. Only immediate family members are allowed to get the passport on behalf of the applicant. Immediate family members include father, mother, brother, sister, spouse, and children of legal age. Read more: https://bit.ly/2mUmpAi
PUBLISHED: JULY 18, 2018

PhilHealth Benefits and More Part 2: Outpatient Benefits.

philhealth-benefits-outpatient

Outpatient benefits are applied on hospital visits that are less than 24 hours and without the need for confinement.  Today’s article will focus on such benefits afforded by Philhealth to its contributing members and their dependents.

This is the second part of our feature blog series on Philhealth benefits.

Outpatient Benefits

1. Day Surgeries (Ambulatory or Outpatient Surgeries) – these include elective surgical procedures (non-emergency) ranging from minor to major operations, where patients are safely sent home within the same day for post-operative care. Read more: http://bit.ly/2tTgS2Y

PUBLISHED: JULY 17, 2018

Philhealth Benefits and More Part 1: Inpatient Benefits.

philhealth-benefits-inpatient

The rainy season has officially begun in our country!  And along with the unpredictable changes in weather (warm and sunny in the morning, cold and wet in the afternoon) come different types of bacteria and viruses that cause infections and ailments among kids and adults.  Visiting your doctor’s clinic, or worse, the Emergency Room, could be inevitable during these wet season.

Good thing we have Philhealth to help us cover the unexpected expenses of getting medical treatment!

This week, we will dedicate a blog series on the different benefits that we can avail as Philhealth members, starting off with INPATIENT BENEFITS.  Share this with your friends and family!

Read on!

Inpatient Benefits

  • These benefits are paid to the accredited Health Care Institution (HCI) through All Case Rates.
  • The case rate amount shall be deducted by the HCI from the member’s total bill, which shall include professional fees of attending physicians, prior to discharge. Read more:  http://bit.ly/2tGM0lS
PUBLISHED: JULY 16, 2018

The Pinoy PWD: Up, Close, and Personal.

pinoy-pwd

 

“Kailangan bang naka upo sa wheelchair o naka saklay ang PWD bago siya i-consider na person with disability?  Kasi PWD ako pero ayaw akong bigyan ng discount sa parmasya dahil ayaw maniwalang PWD ako.” – Mila, an epileptic.

Often when we see the acronym “PWD”, we think of a person who isn’t able to walk or move on his own, could not speak, see, or hear.  Very few would consider the fact that a disability (or being ‘disabled’) does not only mean having physical impairments.  You may be looking at a person who is able to function normally, has complete control of his limbs, but is actually considered a PWD because of an illness that limits his ability to perform other tasks. Read more: http://bit.ly/2qI49ho

PUBLISHED: JULY 13, 2018

No PSA Birth Certificate? No Problem!

no-psa-birth-certificate-no-problem

Ang PSA Birth Certificate (dating NSO Birth Certificate) ay madalas na kasama sa listahan ng mga primary documentary requirements ng iba’t-ibang establishments tulad ng mga bangko, eskwelahan, at mga government agencies.  Ang birth certificate ay naka-print sa Security Paper (SECPA) at may selyo ng PSA sa upper left-hand corner ng dokumento.  Maaari itong makuha mula sa mga opisina ng PSA o ipa-deliver sa inyong bahay sa pamamagitan ng pag-order online o pagtawag sa hotline (02 – 737 – 1111).

Habang may mga taong nakakatanggap ng kopya ng kanilang PSA birth certificate, meron din naman na ang natatanggap na kopya ay iyong tinatawag na Negative Certification.  Ang ibig sabihin nito ay walang kopya ang PSA ng kanilang birth certificate. Read more: https://bit.ly/2nfANBg

PUBLISHED: JULY 12, 2018

Basic Reminders for Philippine Passport Holders Part 2.

BasicRemidersPart2

Yesterday, we featured the reminders for Pinoy passport holders who are travelling as tourists and to work abroad under a contract.  Today, on our second and final installment of this 2-part series, we are going to share the basic documentary requirements for Pinoy emigrants and those travelling with a minor.

These were lifted from the Bureau of Immigration website.

  1. What are the departure requirements for emigrant Philippine citizens?
    • Unexpired passport;
    • Immigrant visa or residence card;
    • CFO-emigrant registration sticker (ERS); and
    • Validly-issued travel ticket.

The Emigrant Registration Sticker may be obtained by registering at the Commission on Filipino Overseas (CFO and by attending the pre-departure orientation seminar (PDOS).  Children aged 12 years old and below are exempted from attending the PDOS but still needs to register at the CFO.  Children aged 13 years and above need to attend the Peer Counseling Program. Read more: https://bit.ly/2d69N27

PUBLISHED: JULY 11, 2018

Basic Reminders for Philippine Passport Holders Part 1.

BasicRemidersPart1

Whether you are a frequent traveler, an Overseas Filipino Worker, or flying out of the country for the first time, there are basic things you need to know about travel documents and IDs essential to a smooth and hassle-free flight.  We’re not just talking about airlines that leave and arrive on time and don’t get your luggage all mixed up.  These are things every Filipino passport holder must know by heart.

Here is a summary of reminders, lifted from the Bureau of Immigration website that every Philippine passport holder must be aware of.  Read more: https://bit.ly/2dvEIry

PUBLISHED: JULY 10, 2018

Know Your Rights as an Air Passenger.

know-your-rights

Are you a frequent plane passenger because of your job or hobby?  Have you ever experienced being marooned in a strange place or island because your flight got delayed or worse, cancelled?  Have you ever felt short-changed with the kind of service and assistance given to you while boarding, during the flight, and upon arriving at your destination?

It pays to know that the government recognizes the rights of an air passenger.  As a matter of fact, we have an Administrative Order that covers these rights.  Sadly though, not everyone is aware of the Air Passenger’s Bill of Rights and so when they get faced with a “cancelled flight” or find out that their luggage have been damaged while being handled by airline employees, they simply shrug it off, not knowing that they can actually claim for compensation for these inconveniences. Read more: http://bit.ly/25z2O84

PUBLISHED: JULY 9, 2018

Dengue Confinements are Covered by PhilHealth.

philhealth-dengue-confinement

Does PhilHealth cover dengue fever cases?

Yes.  That is why it is important that you keep your PhilHealth account updated because you never know when serious illnesses might attack.

PhilHealth’s coverage for dengue fever is based on the severity of the patient’s case.  There are simple cases of dengue and there are those that are listed as severe.  PhilHealth coverage will always be based on the attending physician’s final diagnosis.  Below is the list of case rates for dengue fever. Read more: https://bit.ly/2tjzG8N

PUBLISHED: JULY 6, 2018

Domestic Adoption: Can I Adopt My Own Child?

domestic-adoption

Joy gave birth to her eldest daughter before she turned 17 years old.  Since she was too young to care for her infant, her parents decided to claim Joy’s daughter as their own.  The baby was named Mia and Joy’s parents were listed as the baby’s parents in her birth certificate.

Ten years later, Joy married Mia’s biological father.  A few months into their marriage, both decided that it is time they took over the parental responsibilities for their one and only child.  This includes changing Mia’s last name to the last name of her biological father.  A lawyer friend explained that in order to achieve this, they need to adopt Mia.

Why do you need to adopt your own child? Read more: http://bit.ly/2nXzib6

PUBLISHED: JULY 5, 2018

What Charges Can Be Filed Against A Philandering Husband and His Mistress?

philandering-husband

 

Have these things been happening in your home lately?

  • Husband taking his mobile phone everywhere he goes, even in the shower.
  • Credit card charges made at restaurants you know you’ve never visited with your spouse ever.
  • Frequent “company trips” to romantic places like Tagaytay, Baguio, and Palawan.  And no, wives and kids are not invited.
  • A new perfume, watch, or expensive shirt you know your husband won’t buy for himself even if his life depended on it.

Different people may have different means to crack a ‘philandering husband’ or ‘cheating wife’ code, but all would probably have the same agenda: to snatch the unfaithful partner away from the interloper and save the marriage.  In extreme cases though, the discovery of a spouse’s unfaithfulness often result to separation.  And since the cost of annulment in the Philippines is prohibitive, the ex-couple would resort to living apart while they try to ‘move on’ and make sense of their complicated situation. Read more: http://bit.ly/2bm2mZC

PUBLISHED: JULY 4, 2018

How to Apply for a UMID Card.

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The UMID Card, or the Unified Multi-Purpose ID card ay ang pinag-isang ID para sa SSS, GSIS, Pagibig, at Philhealth members.  It is considered a valid government-issued ID and is honored in all transactions with the four government agencies mentioned above.

Madali lang mag apply for a UMID card and getting one is free of charge.  It has security features similar with the new Phlpost ID.  Kung GSIS member ka, mas madaling mag apply ng loan at mag check ng account through GWAPS kiosk gamit ang UMID because all you need to do is tap the card on UMID-compliant GWAPS machine to begin transacting! Read more: https://bit.ly/1mHCWFH

PUBLISHED: JULY 3, 2018

How to Become a PhilHealth Member: Requirements and Procedures.

how-to-become-philhealth-member

The Philippine Health Insurance Corporation is responsible for implementing universal health coverage for Filipinos.  Every Pinoy must be listed as a member of the PhilHealth and make regular contributions to secure his claims in the event that he gets sick or gets into a medical emergency.  In the same manner, PhilHealth, being a social insurance program, provides a means for the healthy to pay for the care and wellness of the sick and those who cannot readily afford medical procedures and assistance.

As soon as an individual reaches the age of 21, whether employed or still studying, he or she must already be enrolled and provided with a PhilHealth number.

How does one become a PhilHealth member?  Here are the steps, procedures, and requirements to get a PhilHealth number and begin making contributions to the agency. Read more: https://bit.ly/2tKva6y

PUBLISHED: JULY 2, 2018

What You Need to Prepare for your Child’s Passport Application.

child-passort-application

Applicants who are below 18 years old have a different set of general requirements and other documents depending on the child’s status (illegitimate, traveling without either parent, etc.).  The parents’ passports are vital requirements and must be included in the documents and IDs to be submitted when applying at a DFA office.  In cases where the child is illegitimate, the mother must be present throughout the whole passport application process. Read more: https://bit.ly/2CrQvSg

PUBLISHED: JUNE 29, 2018

Where to Get the First Corrected Copy of Your PSA Document.

where-to-get-1st-corrected-copy-psa-docs

Errors in your civil registry documents could adversely affect your transactions with the government or private establishments.  Often, erroneous birth certificates and other documents from the PSA are referred to the LCR of the place where the birth, death, or marriage was originally recorded.  Misspelled names and other obvious clerical corrections are rectified through a Petition for Correction of Clerical Error while more complicated cases are referred to a legal counsel or, sometimes, are heard in court.

One way or the other, the error is corrected or the missing information is supplied, and the owner of the civil registry document is then able to acquire an accurate copy of his PSA certificate. Read more: https://bit.ly/2ABZuOV

PUBLISHED: JUNE 28, 2018

Quick Guide to Getting Married in the Philippines.

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We are sharing a quick summary of important facts you need to know if you plan to get married in the Philippines.  We hope you find this article helpful.

Requirements:

  1. PSA Birth Certificate of couple.
  2. PSA Certificate of No Marriage (CENOMAR) of both parties.
  3. If one of the parties is not a citizen of the Philippines, he or she needs to present his or her passport and a legal capacity to contract marriage.
  4. Age requirements:
  • Below 18 years old cannot get married, even if parents give their consent.
  • 18 years old to 25 years old can get married with parental consent.
  • 26 years old and above, can get married without parental consent.
  1. Apply for a marriage license at the local civil registrar of the city or municipality where either the bride or groom resides. The marriage license is valid for 120 days from the date of issuance. If you fail to get married within the 120 days, you will have to secure a new one.
  2. Attend pre-marital counseling and family planning seminars. The LCR will ask for your attendance certificates to these seminars before you are issued your marriage license.
  3. Previous Marriages. Read more: https://bit.ly/2EybDYP
PUBLISHED: JUNE 27, 2018

Applying for a Philippine Passport? Here’s What You Need to Prepare.

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At first glance, the list of requirements needed when applying for a Philippine passport could be intimidating.  This is one reason why most Pinoys choose to apply for their passports only at the first sign of an imminent travel abroad.  Very few realize that a passport is a government-issued identification that everyone must have in their possession: like a driver’s license or an SSS ID.

To help you prepare for your passport application, we are providing the complete list of requirements, as published by the Department of Foreign Affairs.  The following lists cover the general requirements as well as other special requirements depending on the applicant’s case (dual citizenship, applicants below 18 years old, minors not traveling with parents, etc.). Read more: http://bit.ly/2CFJCgX

PUBLISHED: JUNE 26, 2018

PSA Birth Certificate Problems S.O.S.: Summary Of Solutions!

psa-birth-certificate-problem-sos

“Noong ‘80s, nakakuha ako ng kopya ng NSO birth certificate ko.  Ngayon, nag request ulit ako, sabi sa akin ‘No Name’ na daw ako!  Bakit nawala yung record ko eh meron na nga dati?”

This is a common confusion among us Pinoys when we are told that we “have a problem with our birth certificate”.  When we hear the word “no”, we automatically think that we do not have a record with the PSA (formerly NSO).

We received the above question from a follower and took it upon ourselves to clarify the matter for everyone’s benefit.  It is important that we are all aware of the differences in our concerns with our birth certificates so we would also know the most effective and efficient solution we could apply. Read more: http://bit.ly/2p3QJHE

PUBLISHED: JUNE 25, 2018

How To Apply for the SSS Loan Restructuring Program.

sss-loan-restructuring-program-how-to-apply

On Monday, April 2, 2018, the Social Security System (SSS) will once again open its doors to members who with unpaid obligations with the agency.  This is another opportunity that the state-run pension  fund is extending to members to allow them to settle overdue loans and regain their good standing with the SSS to avoid problems with their claims later on.

Who can benefit from this offer?

The SSS will condone penalties of member borrowers, making special mention of those who were affected by the Marawi siege and Mayon Volcano eruption. Read more: https://bit.ly/2I3p5EL

PUBLISHED: JUNE 22, 2018

Requirements When Applying for a Solo Parent ID.

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Most of you are eager to find out kung ano ang mga requirements para makakuha ng Solo Parent ID.  The answers are actually very simple (and easy to accomplish!).  Read on.

Ang applicant para sa Solo Parent ID ay kinakailangang magdala ng sumusunod na mga documents sa kanyang City or Municipal Social Welfare and Development office:

1.Barangay Certificate na nagsasabing ang Solo Parent applicant ay nakatira sa barangay na iyon within the last six months.

2. NSO certificates:

a. Birth Certificate of child/children

b. Kung ikaw ay biyudo/biyuda, Death Certificate ng yumaong asawa.

c. Iba pang dokumento na maaaring gamitin bilang suporta sa iyong application.

Ang mga NSO certificates tulad ng Birth at Death ay maaari nang ipa-deliver sa iyong bahay.  Tumawag lang sa (02) 737-1111; kung may internet naman, maaaring mag logon sa www.nsohelpline.com.  Matatanggap mo ang mga documents in 2 to 3 working days.

3. Income tax return o kahit na anong document na magpapatunay ng income level ng solo parent. Read more: https://bit.ly/1OFLHvW

PUBLISHED: JUNE 21, 2018

Why Do You Need to Get a New Copy of Your PSA Birth Certificate?

why-do-you-need-copy-of-BC

If birth certificates do not expire, why do we need to secure new copies from the Philippine Statistics Authority (formerly National Statistics Office)?

In a recent radio interview, the assistant national statistician of the PSA mentioned the different reasons why Filipinos need to secure new copies of their civil registry records such as birth and marriage certificatesRead more: https://bit.ly/2HgN0no

PUBLISHED: JUNE 20, 2018

Can False Information on a PSA Birth Certificate be Corrected or Removed?

can-false-info-bc-be-corrected-removed

When a child is born out of wedlock, the child carries the mother’s family name unless the father gives his consent for his child to use his last name and acknowledges him on paper.  The date of marriage field on the child’s birth certificate must also be left blank until the parents are married, if and when.

There are cases when the child’s parents would place false information on their child’s birth certificate, declaring themselves to be married when they are not.  Some single moms manage to include the child’s father’s last name on the child’s birth certificate, without seeking the latter’s consent.  In their desire to save their child from being labeled illegitimate, they end up falsifying a public document, never mind the consequences it will eventually bring on their child. Read more: https://bit.ly/2G9f8Vm

PUBLISHED: JUNE 19, 2018

4 Important Things to Remember when Claiming PhilHealth Benefits for Hypertension.

4-important-things-claiming-philheath-hypertension

One of the leading causes of death in the Philippines remains to be uncontrolled hypertension leading to heart disease and stroke.  In 2017, it was reported that 25% of Pinoy adults have high blood pressure caused by either their lifestyle or inherited the condition from their parents and elders.  The climate and high fat, high sodium diet in the Philippines do very little to help Filipinos avoid the burden of hypertension.

The good news is that hypertension is a manageable disease and the patient is likely to keep its complications at bay with low-cost preventive measures like exercise and diet changes.  Regular visits to one’s physician and easy access to an emergency room can help arrest any adverse effects of an elevated blood pressure as well. Read more:  https://bit.ly/2skBDBc

PUBLISHED: JUNE 18, 2018

Everything You Need to Know About the Overseas Employment Certificate (OEC).

oec-everything-u-need-to-know

The OEC is a basic requirement for OFWs before they are given permission to work abroad.  They must secure this to ensure that their departure and overseas employment are properly documented.  This document has a 60-day validity from the date it was issued; this means that the OFW must be able to leave before the OEC expires.

Apart from it being a basic requirement, an OEC document presented at the airport also exempts the traveler from paying travel taxes and terminal fees.  It serves as the exit pass or clearance of the OFW as well as a proof of his status as a legitimate OFW. Read more: https://bit.ly/2rthYyH 

PUBLISHED: JUNE 14, 2018

PSA to Manage the National ID System Soon.

psa-manage-national-ID

PUBLISHED: JUNE 13, 2018

LTO Online PASS: Appointment Setting for Driver’s License and Car Registration Renewal.


lto-online

Renewing your driver’s license and car registration has become so much simpler and faster now that the Land Transportation Office (LTO) has launched their LTO Online Personal Appointment and Scheduling System or PASS.   Applicants may now simply set an appointment at any of the four LTO branches that offer the PASS service to ensure that they will be attended to during their visit.

The system is seen to reduce the entire renewal process to just 45 minutes, a far cry from the usual 4-hour wait time for walk-in transactions.

How does the LTO PASS Work? Read more: https://bit.ly/2rIxiZ2

PUBLISHED: JUNE 11, 2018

What We Need to Know About Separation Pay in the Philippines.

separation-pay-in-PH

An employee is entitled to a separation pay after he resigns from his job.  But why do some get more than others, even when both had the same number of years in service and are receiving almost the same monthly salaries?

Here is a summary of how a resigning employee’s separation pay is determined by the employer, as published by the National Wages and Productivity Commission. Read more: https://bit.ly/2JlT6Rp

PUBLISHED: JUNE 8, 2018

Are You Qualified for a Pag-IBIG Housing Loan?

how-to-check-if-you-are-eligible-for-pagibig-housing-loan

Wondering if you are already qualified to apply for a housing loan with Pag-IBIG?  Here’s how you can run a quick assessment based on the requirements published by Pag-IBIG.

There are four key considerations you need to take note of when applying for a housing loan:

  1. Your Pag-IBIG Membership
  2. Your Age
  3. Your Capacity to Pay
  4. Other Pag-IBIG loans you may have

What do you need to check before you submit your housing loan application? Read more: https://bit.ly/2fvQQHW

PUBLISHED: JUNE 7, 2018

How to Download a Copy of your Philhealth MDR Online.

philhealth-mdr

The MDR is required when claiming hospitalization benefits for you or your declared dependents.  If you do not have an online Philhealth account, you will have to wait in line at a Philhealth branch or satellite office in order to get a copy.  Imagine the utmost convenience of simply logging in to your account and printing the needed document, all because you have an online Philhealth account!

To help you save time in studying the process on how to download a copy of your MDR, we are sharing the following visual guide.  Bookmark this and share in your network! Read more: https://bit.ly/29w79lH

PUBLISHED: JUNE 6, 2018

7 Things to Remember When Having Your Passport Photo Taken.

7 tips-passport-photo-captured-dfa

Back in the day, passport applicants are required to bring copies of their 2×2 ID photos when applying for their Philippine passports.  Restrictions are limited to the type of shirt you should be wearing on the photo (with collar) and the background should be white.  Applicants are also advised to avoid wearing accessories such as eyeglasses and earrings that may cause huge differences from their actual physical appearance.

Now, all you need to do is personally appear at your preferred DFA branch on the date of your appointment.  All your biometrics: photos, fingerprints, and signatures will be taken onsite and in the presence of a DFA representative.

Here are some tips on how to prepare for your passport photo-op and other biometric requirements. Read more: https://bit.ly/2ESyqNT

PUBLISHED: JUNE 5, 2018

SSS Sickness Benefit: Everything You Need to Know.

sss-sickness-benefits

Getting sick is inevitable.  Whether you are an employee, a business person, or a stay-at-home parent, you will eventually have to take some rest to recuperate from a viral or bacterial infection.  Other times, you might get injured at work and will need some time off to heal and rehabilitate before you are able to go back to your normal daily routine.

The good news is, if you are a member of the SSS, you are entitled to sickness benefits to help you defray expenses when your capacity to earn is lessened due to being confined in bed, a wheelchair, or a hospital. Read more: https://bit.ly/2oOtRyM

PUBLISHED: JUNE 4, 2018

5 Reasons Why You Need to Switch to an EMV Chip ATM Card.

5-reasons-why-u-need-to-switch-EMV-chip-ATM

What is an EMV chip and why are banks encouraging its depositors to switch to this new technology? 

Since we are on the subject of identity fraud and all these types of personal information security, we decided to feature the five reasons why it is important to have all your ATM cards changed to the EMV-enabled version.

EMV, or Europay, MasterCard, and Visa, provide added security for credit and debit card users.  This is especially important if you like purchasing online where all your payment information is made available for just about anyone to intercept.  The EMV makes “swiping” cards a thing of the past; the term often used now is “insert your card” so the machine could read the EMV. Read more: https://bit.ly/2HVE2K3

PUBLISHED: JUNE 1, 2018

How Do I Change My Mother’s Name on my PSA Birth Certificate?

how-do-i-change-my-mothers-name-BC

Sofie has always known that her mother’s name is Emelita.  That is the name written on all her mother’s IDs and on the birth certificates of Sofie and her siblings.  However, when Aling Emelita requested for a copy of her PSA birth certificate, they were shocked to see that her name is actually not Emelita but Maria Rosario!  All other information on her birth certificate is correct, her birth date, birthplace, and the names of her parents.  Everything, except her name.

They discovered this in the early ‘90s when Aling Emelita was preparing to work abroad.  Since she was in a hurry to get a passport, she resolved to use her Maria Rosario birth certificate and was granted a passport as Maria Rosario. Read more: https://bit.ly/2EoSKuC

PUBLISHED: MAY 31, 2018

How To Know If You Are Qualified for PhilHealth Benefits.

how-to-know-if-your-qualified-Philhealth-benefits

PhilHealth membership is not limited to regularly-employed Filipinos.  In fact, unemployed and self-employed individuals are strongly encouraged to faithfully make monthly contributions to secure their PhilHealth claims in times of emergencies.  Problem is, when a member fails to make a contribution for a month or two, they immediately think that they are no longer qualified to claim from PhilHealth.  Others opt to completely neglect paying their contributions because they think that missing one payment already means that all their other payments have been written off already.

To help everyone understand how the PhilHealth appropriates a member’s contribution, we are sharing the following checklists lifted from PhilHealth’s Facebook page.  These will help you determine if you are eligible for PhilHealth benefits in spite of irregular payments of your monthly contributions. Read more: https://bit.ly/2omvhze

PUBLISHED: MAY 30, 2018

Common Reasons Why Some Women are Denied the SSS Maternity Benefits.

sss-maternity-benefits-denied

We conducted further research on the reasons why some are not granted the expected maternity benefits and were able to gather the following.  Note that these were collected from various women’s personal experiences when applying for the said benefits from SSS.

a. Child’s birth certificate is not authenticated by the Local Civil Registrar or by the Philippine Statistics Authority PSA (formerly NSO). Read more: https://bit.ly/1NzvV6y

PUBLISHED: MAY 29, 2018

The 20 Grounds for Divorce in the Philippines.

20-grounds-divorce-PH

There are four additional grounds that the divorce bill will include in the list of reasons why a person may seek to dissolve his or her marriage.  Bear in mind that the grounds listed for legal separation and annulment remain in effect and are carried into the divorce bill. Read more: https://bit.ly/2pZYG48

PUBLISHED: MAY 28, 2018

5 Important Things to Know About the Free Tuition Fee Law.

5-important-things-about-free-tuition-fee-law

Almost 200 universities and colleges will be implementing the Free Tuition Fee law starting this school year; parents and students are eagerly looking forward to an expense-free education because even miscellaneous payments are covered by the act.  The government has allotted a P40-billion fund for the first year of the law’s implementation to cover the tuition fee requirements of hundreds of thousands of Filipino students.

What are the important facts that we all need to know about this new law?  Who are qualified to enjoy this privilege? Read more: https://bit.ly/2DK6LxR

PUBLISHED: MAY 25, 2018

8 SSS Benefits That First-Time Members Need to Know.

8-SSS-benefits-for-1st-time-member

This is a summary of the benefits you can get (and are entitled to!) as a member of the Social Security System.  Yes, you don’t just look forward to your pension (which, at this point, is probably one of the strangest things you’ll hear) from SSS because there are a lot of other benefits you can avail from the agency while you are still an active, contributing member. Read more: https://bit.ly/2EZBnwU

PUBLISHED: MAY 24, 2018

4 Easy Steps In Creating Your Philhealth Online Account.

philhealth-online

An online account with Philhealth allows you to monitor your monthly contributions and gives you an access to print your Member Data Record (MDR) anywhere you are.  Normally, a Philhealth member who does not have an online account will have to wait in line at a Philhealth branch or satellite office in order to obtain a copy of his MDR.  The MDR is required when a member’s dependent is confined in a hospital.

Here is how you can conveniently create an online account and never have to wait in line again when you need a copy of your MDR. Read more: https://bit.ly/29zQXoo

PUBLISHED: MAY 23, 2018

What To Do When You Lose Your Passport Abroad.

lost-passport

So what is a Pinoy to do when he realizes that his / her passport has gone missing while he’s abroad?  I researched (and researched some more) on how seasoned travelers handled the same situation and have compiled it here for our consumption.  Feel free to share this to friends and families who are frequent travelers.  We’d love to hear about your own experiences too! Read more: https://bit.ly/1XbmHwL

PUBLISHED: MAY 22, 2018

4 Things You Need To Know When Applying for a Pag-IBIG Housing Loan.

4-things-u-need-to-know-applying-PAGIBIG-housing-loan

Are you planning to buy a house soon?  Have you considered getting one through a Pag-IBIG housing loan?

Here are some facts and figures that could help you decide on availing a real estate property through your Pag-IBIG membership.

  • Lower interest rates for Regular Housing Loan

Effective February 14, 2018, the Pag-IBIG began offering home loan interest rates for as low as 5.67% per annum (from 5.5%) for a 1-year fixing period, and 6.37% per annum (from 6.5%) for a 3-year fixing period.  This applies to members who are willing to pay a 25% equity upfront. Read more: https://bit.ly/2juUmpD

PUBLISHED: MAY 21, 2018

Papano Babayaran ang SSS Salary Loan Kung Ang Miyembro Ay: Lumipat ng Trabaho, Natanggal sa Trabaho, Nabalda, Nagretiro, o Namatay.

sss-salary-loan

Ang pag-apply ng salary loan sa SSS ay ginawa ng madali at mabilis sa pamamagitan ng kanilang online services.  Kailangan lang mag register ng online account ang miyembro at malaya na niyang mamo-monitor ang kanyang mga contributions at loan payments.  Paperless na ang pag file ng salary loan dahil maaari nang mag apply basta’t may online account ang miyembro.

Ang madalas na issue ng mga miyembro ay ang pagbabayad ng nasabing salary loan.  Kung ang miyembro ay employed, ang salary loan payments ay nireremit ng employer sa SSS. Halos walang partisipasyon ang miyembro bukod sa salary deduction kung saan kinukuha ang kanyang buwanang hulog sa loan.  Ngunit papano kung biglang lumipat ng trabaho ang miyembro? O kaya ay matanggal sa trabaho, lubusang mabalda, mag retiro, o kaya ay pumanaw ng biglaan?  Papano ang pagbabayad sa maiiwan niyang utang sa SSS? Read more: https://bit.ly/24Kr4lx

PUBLISHED: MAY 18, 2018

How to Get the Different Government-issued IDs Required by the DFA.

how-to-get-diff-govt-id-required-by-dfa

In almost all of your transactions, whether with a government agency or a private corporation like banks, schools, and remittance centers, you will always be required to present a government-issued ID.  It doesn’t matter if you have a company ID, a school ID, or membership cards, agencies will always require you to present a government-issued ID. Read more: https://bit.ly/2CRxtrY

PUBLISHED: MAY 17, 2018

How to Renew a Lost and Expired Philippine Passport.

how-to-renew-lost-expired-passport-PH

A basic requirement for passport renewal is the submission of the expired (or expiring passport) so the DFA can cancel its validity.  But what if the old passport has gone missing? Here’s how you can renew a lost and expired passport. Read more: https://bit.ly/2rzm8bC

PUBLISHED: MAY 16, 2018

List of Schools with Free Tuition Fee for School Year 2018

list-of-schools-w-free-tuition-fee-2018

There are a total of 112 state universities and colleges and about 78 local universities and colleges that are covered by the free tuition fee law signed by the President last week.  We are sharing the list of schools that are expected to comply with the free tuition fee law beginning June 2018. Read more: https://bit.ly/2G4UGII

PUBLISHED: MAY 15, 2018

How Does SSS Compute Your Retirement Benefit?

how-does-sss-compute-retirement-benefit

As an SSS member, you are entitled to retirement benefits as soon as you hit your 60s.  This can be a lump sum amount that you can use to start a small business, or go on a trip as a reward to yourself.  Or you can choose to receive a monthly pension, as if you are still being salaried monthly by an employer.

Can you at least have a ball park figure of how much pension you can expect to receive from the SSS later on?  You may still have about 40 years ahead of you before you hit your 60’s but it won’t hurt to get a glimpse.  This way, you can think of alternative ways to secure your finances when you finally become a Senior Citizen. Read more: https://bit.ly/2G7cNLI

PUBLISHED: MAY 11, 2018

How to File an Annulment of Marriage in the Philippines.

how-to-file-an-annument-PH

Today we will share the step-by-step process of a marriage annulment in the Philippines and how it has become such an expensive (not to mention sad and painful) method of ending a relationship.  Take note though that the following should not be taken as legal advice; we researched this information online and are sharing it for information and guidance. Read more: https://bit.ly/2BX2V3A

PUBLISHED: MAY 10, 2018

How to Apply for a Philippine Passport if You Do Not Have a Birth Certificate.

how-to-apply-Passport-no-BC

Your PSA birth certificate is a primary requirement when applying for a passport with the DFA.  Without it, it would be nearly impossible to get the rest of the application process done.

Unfortunately, there are some people who really do not have their civil registry documents on file at the PSA.  When they request for a copy, they receive a Negative Certification, indicating that they do not have any records or theirs may have gotten lost during or after the war.

How do you apply for a passport if you do not have a birth certificate? Read more: https://bit.ly/2qmzUO4

PUBLISHED: MAY 9, 2018

7 Personal Information That You Can Refuse to Share.

7-personal-info-that-you-can-refuse-to-share

 

RA 10173 defines these personal information as sensitive.  This means that any party who wishes to obtain these information from you or about you, must inform you properly, specify why they need your information, and must be granted your consent.  Except when you are entering into a contractual agreement, you actually have the right to refuse giving out these personal information.

So what are these seven sensitive, personal and privileged information that we are not supposed to be sharing around with just anyone?  Read more: https://bit.ly/2vH0zbe

PUBLISHED: MAY 8, 2018

4 Things You Need To Know When Applying for a Pag-IBIG Housing Loan.

4-things-u-need-to-know-applying-PAGIBIG-housing-loan.jpg

Are you planning to buy a house soon?  Have you considered getting one through a Pag-IBIG housing loan?

Here are some facts and figures that could help you decide on availing a real estate property through your Pag-IBIG membership. Read more: https://bit.ly/2juUmpD

PUBLISHED: MAY 7, 2018

Passport Application for Minors: What You Need to Bring and Why?

passport-applications-for-minors

Margaret is 13 years old and is about to secure her very first passport.  It would have been a breeze to accomplish this errand if not for Margaret’s living arrangement that is quite complicated.

Margaret’s parents separated before she turned 7 years old.  Her mother went back home to her province in Dumaguete; Margaret was left with her father who was then working as a nurse in Manila.  Not long after the separation, her father met another woman who would later assume the role of Margaret’s mom….. Read more: https://bit.ly/2ohETh5

PUBLISHED: MAY 4, 2018

Why Do You Need to Get a New Copy of Your PSA Birth Certificate?

why-do-you-need-copy-of-BC

If birth certificates do not expire, why do we need to secure new copies from the Philippine Statistics Authority (formerly National Statistics Office)?

In a recent radio interview, the assistant national statistician of the PSA mentioned the different reasons why Filipinos need to secure new copies of their civil registry records such as birth and marriage certificates. Read more: https://bit.ly/2HgN0no

PUBLISHED: MAY 3, 2018

5 Easy Steps to Become a Pag-IBIG Member.

5-steps-to-be-a-pagibig-member

Apart from being a member of the SSS, you will also be required by your employers to submit your Pag-IBIG membership number.  Pag-IBIG, or the Home Development Mutual Fund is a Government-owned and controlled corporation responsible for the administration of affordable shelter financing to Pinoys.

Like SSS, there are different types of membership under Pag-IBIG.  You could be an employed member, self-paying (or voluntary), self-employed, or an OFW.  Each type of membership has different sets of membership requirements and contribution rates. Read more: https://bit.ly/2tJfnF6

PUBLISHED: MAY 2, 2018

Are You In Favor of Implementing Divorce In The Philippines?

are-you-in-favor-of-divorce-in-PH

In the Philippines, if you would like to regain your capacity to marry, you need to file a case for annulment and pray that you win the battle against your spouse.  It is a long and tedious process of mainly destroying the character of the person you married to prove that the marriage was either: not valid from the beginning or was acquired by force, intimidation, or undue influence.  It is an expensive and traumatic process for the couple and their children. Read more: https://bit.ly/2BQrCC9

PUBLISHED: MAY 1, 2018