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Simple steps on how to verify Pag-ibig MP2 contributions

Simple steps on how to verify Pag-ibig MP2 contributions

Pag-IBIG MP2 (Modified Pag-IBIG II) is a savings program offered by the Philippine government’s Home Development Mutual Fund (HDMF) that allows members to earn higher returns on their savings compared to regular Pag-IBIG savings. If you’re a member of the program, it’s important to verify your contributions to ensure that they’re accurate and up-to-date. Here’s how you can do it:

Check your Pag-IBIG MP2 statement of account. This is the easiest and most straightforward way to verify your contributions. You can get your statement of account by logging in to your Pag-IBIG online account or by visiting the nearest Pag-IBIG branch. Your statement of account should show all your contributions, including the date, amount, and the corresponding dividend earnings.

Verify your contributions with your payslips. If you’re a salaried employee, your contributions to Pag-IBIG MP2 should be reflected on your payslips. Check if the amount deducted from your salary matches the amount stated on your Pag-IBIG MP2 statement of account.

Contact Pag-IBIG. If you’re unable to access your statement of account online or if you have concerns about the accuracy of your contributions, you can contact Pag-IBIG through their hotline (02) 8-724-4244 or email them at [email protected]. Provide your complete name, Pag-IBIG MID number, and other necessary information to help them verify your account.

Check your Pag-IBIG MP2 certificate of membership. When you enrolled in the program, you should have received a certificate of membership that shows your contribution details, such as the amount of your monthly contributions, the term of your membership, and the maturity date. Verify if the information on your certificate matches the information on your statement of account.

Visit a Pag-IBIG branch. If you’re still unable to verify your contributions through the methods above, you can visit the nearest Pag-IBIG branch and request for assistance. Bring your Pag-IBIG ID or any valid government-issued ID, your certificate of membership, and any other documents that may help in verifying your contributions.

In summary, verifying your Pag-IBIG MP2 contributions is important to ensure that your savings are accurate and up-to-date. You can check your statement of account, payslips, certificate of membership, or contact Pag-IBIG or visit a branch for assistance. By doing so, you can have peace of mind knowing that your contributions are being properly credited and earning dividends.

How to Invest and Benefits of SSS WISP Program

How to Invest and Benefits of SSS WISP Program

Worker’s Investment and Savings Program or SSS WISP Plus is a program offered by the Social Security System (SSS) in the Philippines that allows members to invest their contributions in a managed fund. This program is a good option for members who want to earn higher returns on their SSS contributions.

Here’s how you can invest in SSS WISP Plus:

  • Check if you are eligible. To invest in SSS WISP Plus, you must be an SSS member with at least P1,000 in your SSS account.
  • Fill out the application form. You can download the SSS WISP Plus application form from the SSS website or get it from any SSS branch. Fill out the form completely and accurately.
  • Choose your investment option. SSS WISP Plus offers two investment options: the moderate risk fund and the high-risk fund. The moderate risk fund invests in a mix of fixed-income securities and equities, while the high-risk fund invests mainly in equities. Choose the option that fits your investment goals and risk tolerance.
  • Submit your application form. Submit your completed application form to any SSS branch. You will need to present your SSS ID or two valid IDs.
  • Monitor your investment. Once your investment is set up, you can monitor it through the SSS website or by visiting any SSS branch.

SSS WISP Plus Benefits and Earnings:

  • Higher returns: SSS WISP Plus offers higher returns than the regular SSS contributions. The returns are based on the performance of the managed fund and can vary depending on market conditions.
  • Diversification: Investing in SSS WISP Plus allows you to diversify your portfolio and spread your risk across different assets.
  • Professional management: The fund is managed by professional fund managers who have the expertise to make informed investment decisions.
  • Convenience: You can easily invest in SSS WISP Plus through any SSS branch or online, making it a convenient investment option.
  • Flexibility: You can choose between two investment options that cater to different risk profiles and investment goals.

It’s important to note that investing in SSS WISP Plus, like any investment, carries some risks. The value of your investment can go up or down, depending on market conditions. It’s important to do your own research and consult with a financial advisor before making any investment decisions.

How to book flight in Cebu Pacific

How to book flight in Cebu Pacific

Cebu Pacific is a popular low-cost airline in the Philippines that offers domestic and international flights. Booking a flight with Cebu Pacific is easy and can be done through various channels. In this article, we will discuss how to book a flight with Cebu Pacific.

image credit to google
  • Visit the Cebu Pacific website
    The easiest way to book a flight with Cebu Pacific is by visiting their official website at www.cebupacificair.com. On the homepage, you can input your travel details such as destination, date, and number of passengers. Click on the search button and wait for the available flights to load.
  • Select your preferred flight
    After the available flights have been loaded, select your preferred flight by clicking on the “Book” button. You will be redirected to a page where you can review your flight details such as the flight schedule, fare, and baggage allowance.
  • Add-ons
    Cebu Pacific also offers add-ons such as seat selection, travel insurance, meals, and baggage allowance. You can add these services during the booking process or at a later time.
  • Passenger details
    Once you have reviewed your flight details and added any necessary services, you will need to input the passenger details such as name, contact information, and passport details (for international flights). Double-check the details before proceeding to the next step.
  • Payment
    After inputting the passenger details, you will be directed to the payment page. Cebu Pacific accepts various payment methods such as credit/debit card, PayPal, and over-the-counter payments. Choose your preferred payment method and enter your payment details.
  • Confirmation
    After the payment has been processed, you will receive a confirmation email containing your flight itinerary and booking reference number. Make sure to save this information as you will need it for check-in and other travel-related purposes.
image credit to google

Aside from booking through the website, you can also book a flight with Cebu Pacific through their mobile app, ticketing offices, and partner travel agencies. It is important to note that Cebu Pacific has a dynamic pricing system, which means that fares can fluctuate depending on demand and availability. It is recommended to book in advance and to be flexible with travel dates to get the best deals.

How to Apply Pag IBIG Housing Loan 2019

How to Apply Pag IBIG Housing Loan 2019

Are you planning to finally have a house of your own? If you’re low on budget and can’t afford the high interest rates of housing loan from banks, the best resort is to acquire a house from Pag-IBIG Fund. HDMF (Home Development Fund), or more known as Pag-IBIG, is the most common option of Filipinos if they want to have a reasonably priced house and lot. But first, like Pag IBIG multi purpose loan you have to check the requirements and documents needed on how to apply Pag IBIG housing loan.

Pag-IBIG has actually simplified the process of application and minimized the requirements making it easier for anyone who would like to apply for Pag IBIG housing loan. You just have to make sure that you have complete documents.

Eligibility for Pag IBIG Housing Loan

Types of Housing Loan

  • To acquire an existing condominium unit, townhouse unit, or residential house & lot
  • To obtain fully developed residential lots or its adjoining lots but not to be more than a thousand square meters
  • To purchase a recently constructed property or brand new house and lot
  • To buy a property that is currently under mortgage with Pag-IBIG
  • To purchase foreclosed property that had been recently acquired by Pag-IBIG
  • Transfer of existing housing loan from another financial institution
  • For constructing a new house owned by the member or for home improvement

Read also: Benefits in Saving on MP2 Pag IBIG Program

Pag IBIG housing loan requirements and documents needed

  1. Requirements of a loan application
  • Housing Loan application which you may get from any Pag-IBIG office
  • ID photo of both the borrower and co-borrower should be attached to the housing loan application form
  • Xerox copy of one valid ID (back to back) of both the Principal borrower and Spouse, co-borrower and other half, seller and other half, and the Developer’s authorized representative and Attorney-in-Fact (if applicable)
  • Current tax declaration of property
  • Certified True Copy of TCT (Transfer Certificate of Title) of the property; for condo units, TCT of the land and True copy of the CCT (Condominium Certificate of Title)
  • Xerox copy of latest OR for Real Estate Tax
  • Contract to sell or any similar agreement between the seller and the buyer
  • Sketch of the property and Vicinity map
  • Proof of Income
  1. Borrower’s Proof of Income (Any of the following will do)
  • Latest ITR (Income Tax Return) with BIR Form No. 2316
  • Notarized CEC (Certificate of Employment and Compensation) which indicates the gross monthly income together with allowances or any other benefits
  • One month payslip within the last 3 months earlier than the date of application and should be certified by an authorized representative of the company

For government employees;

  • One month latest payslip
  • CEC or ITR should be submitted as proof of income

If you’re self-employed, you can use any of the following;            

  • Audited Financial Statements, ITR, Official tax payment, Business Permit and DTI Registration
  • Bank Statement for last twelve months (if income is from a foreign source)
  • Certified True Copy of Transport Franchise

Other legal documents that will validate your source of income

  • For OFWs;
    • Employer/Employee Contract or the POEA standard contract
    • CEC written on the Company’s official letterhead and signed by the employer
    • ITR that was filed in the host country

Processing Fee

  • Applicants should pay a non-refundable amount of Php1,000 upon filing and submission of the application form.
  • Another non-refundable Php2,000 appraisal fee should also be paid upon filing
  • Php2,000 which will be deducted from the proceeds when the loan is released

Requirements upon Approval of Loan

  • TCT/CCT under the name of the borrower/co-borrower with appropriate mortgage annotation that is in favor of PAG-IBIG
  • Recent Tax Declaration and Real Estate Tax Receipt
  • If on loan mortgage; agreement that had been registered with the RD and should have RD’s original stamp
  • Completely filled-out and notarized Promissory Note
  • Disclosure Statement on Loan Transaction

Other Requirements

  • For OFWs
  1. SPA (Special Power of Attorney) that was notarized before the departure date.
  2. The following documents should also be submitted if Pag-IBG Fund requests for it;
  • A valid Certificate of Membership from the OWWA
  • Overseas Employment Certificate
  • Payslip which indicates the period covered and income
  • Passport with appropriate visa (must be working visa)
  • Residence permit
  • Professional License that was issued by Host country
  • Record of Bank Remittance

Take note that most of these documents are in the native language of the employers so make sure that you have a copy translated in the English language.

  • For OFW over 60 yrs. Old
    • Medical Questionnaire Form
    • A copy of the medical examination result done before overseas assignment (as required by the employer)
  • For OFWs 60 yrs. Old and above (Loan amount between Php2M-6M)
    • Medical Questionnaire Form
  • For properties acquired from a Corporation or Developer
    • License to Sell
    • Secretary’s Certificate with the Authorized Signatory of the Developer or Corporation
    • 1 valid ID of the Authorized Signatory and Corporate Secretary of the Developer and one back to back photocopy of the same

Check the link below for Pag ibig housing loan computation. Visit this link Pag-IBIG Fund Housing Loan Affordability Calculator

Sample indicative figures instantly!

Find out how much you can borrow based on your income, preferred repayment term, fixed pricing period, and/or estimated value of the property you are meaning to buy.

Interest Rates (based on chosen Fixed Pricing Period)
1 Year 3 Years 5 Years 10 Years 15 Years 20 Years 25 Years 30 Years
5.375% 6.375% 7.270% 8.035% 8.585% 8.800% 9.050% 10.000%

pag ibig housing loan computation base on calculator

Should you have any further inquiries, contact any Pag-IBIG office near you.

How to Apply for a Solo Parent ID

How to Apply for a Solo Parent ID

It’s not easy being a solo parent especially here in the Philippines. Aside from not having someone to help you raise your child, the most prevalent problem is the financial side. It’s a good thing that R.A. No. 8972 was created because it will be a big help for the solo parents and even to their children. This law gives them several perks that will help them go along. But to be able to enjoy this, they should have a Solo Parent ID.

How to Qualify as a Solo Parent

  • When the spouse dies
  • When the spouse is physically or mentally incapable (should be certified by a doctor)
  • Spouse is serving imprisonment for not less than a year.
  • Legally separated or annulled and has full custody of the children
  • Unwed mother/father who has custody of the child/children
  • Family member who’s taken full responsibility to take care of the children which came as a result of disappearance, abandonment, or death of the biological parents.
  • A rape victim who has decided to keep her child.

Solo Parent Benefits

  • Educational scholarships and services from CHED, DepEd, DOST, and TESDA.
  • Healthcare benefits from the DOH
  • Housing benefits from LGUs and NHA
  • Tax incentives
  • Parental leave

Requirements for Solo Parent ID

Applicants must go to the regional or city DSWD office and submit the following;

  • Barangay Certificate which states your residence status for the last 6 months and you status as a single parent
  • Death certificate of spouse (if applicable) ad birth certificate of the children
  • Certified documents showing your personal income

*Once a social worker has reviewed the documents and they’re found to be legit, there will be a designated case number that will be given to you which will be registered in the Solo Parent registry logbook. Once approved, the ID can be claimed after thirty days and will be valid for one year. It can be renewed after submitting updated documents.

Breaking News: Proposed Bill says spouses of OFWs to Considered as Solo Parents and Entitled for Benefits

Guide on How to Get OWWA OFW e-Card Online

Guide on How to Get OWWA OFW e-Card Online

The Overseas Filipino Workers card or OFW e-Card is for all OWWA members who wish to get their benefits for welfare services, training programs, scholarships, and other benefits from the government agency. This is a free-to-register card for ‘Balik-Manggagawa OFWs’. This is open to OFWs who already completed or still working within their employment contract. This is also for the OFWs who will have the same employers on their next contracts.

Steps in applying for an OFW e-Card online

  • Bring all the valid requirements for your application
  • Bring your OWWA proof of membership which has the ‘90-day validity from the time of application’
  • Bring your passport
  • Bring your OEC or exemption number
  • Go to the website of OWWA
  • Click the ‘OFW e-Card banner’
  • Fill out the Application Form for the OFW ID
  • Choose where you will claim your OFW e-Card
  • Click the box that says ‘I accept the data privacy policy’ and the captcha code
  • Click the box that says ‘Submit Application’
  • You will be directed to a confirmation page and there will be a tracking number which will appear; take note of your tracking number
  • Provide other details and click the box that says ‘submit’
  • Go to the OWWA Office of your choice and claim your e-Card

Checking Your OWWA Card Issuance Status

  • Visit the OWWA Website
  • Fill out the box with your tracking number or passport number
  • Add your birthdate
  • Click the box that says ‘submit’

Read also: How to Apply for OWWA Scholarship

This e-Card is for all OFWs who wish to get the benefits from OWWA. They can use this for many purposes and assistance. If you’re an OFW, don’t miss this chance and get your e-Card now to enjoy its benefits.

SSS to Raise Contributions Rate for Higher SSS Retirement Benefits

SSS to Raise Contributions Rate for Higher SSS Retirement Benefits

Good things are happening for SSS members. The implementation of the new Social Security Act of 2018 will begin on April 1 of this year. SSS members will delight because this law states that retirement benefits will increase.

The current law enlists the increase of contribution rates to 12% which will start in the second quarter of the year (April). This is from the 11% from the former contribution rates. The soon-to-start Monthly Salary Credits is between Php2,000 to Php20,000/ According to Officer-In-Charge Aurora Ignacio, it is about time that SSS adjusts the contribution rates and the Monthly Salary Credits or MSC of the agency to increase the retirement benefits or its members.

She added that everyone who aims to have high SSS retirement benefits must work hard to earn for this monthly contribution. She also said that “SSS is the cheapest and most accessible pension scheme.” Because of this, she encourages everyone to contribute to SSS to save for their future.

The increase in monthly contribution for the members will pave way for bigger benefits for its members. Everyone who will give bigger contributions will definitely get bigger returns. An example of this is the sickness benefits. If you’re an SSS member and you have a monthly salary of Php20,000 and you already paid 12 months of contribution, you will get Php600/day sickness benefit which is Php142 higher than the present Php480/day.

Additionally, SSS members who already have 120 contributions from the former MSC maximum of Php16,000 will get Php6,400 as a basic monthly pension. Paying under the new MSC maximum of Php20,000 will give a member the new monthly basic of Php8,000.

According to SSS, it’s reasonable for the agency to increase the contribution rate by 1%. They cite an employee earning Php10,000 a month as an example. Currently, the monthly contribution rate of this kind of employee is Php363.30 which will be shouldered by the employee and Php736.70 which will be paid by the employer. This will now increase to Php400 and Php800 respectively.

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An extra Php31B is earned through this law. In the coming years, there will be an additional 1% that will accumulate until the rates increase by 15% which is expected by the year 2025. This will also add to the fund life of SSS until the year 2045 through the implementation of the increases. This law is meant to improve the ‘investing capacity’ of the agency to provide a better income for everyone, Ignacio concludes. She also wishes that the member will understand why SSS had to increase their contribution rates which are to give more benefits to its current and upcoming members.

How to File for Late Registration of Birth Certificate

How to File for Late Registration of Birth Certificate

Manila, Philippines – Do you need to file for late registration of a birth certificate here in the country? You’ll need to follow some processes to do that. Here are some helpful tips for you;

How to File for Late Registration of Birth Certificate 0
image credit: binibiningcinnamon

What are the requirements when filing Late Registration of Birth Certificate?


  • Four duly accomplished and signed Certificate of Live Birth
  • Filled-in Affidavit for Delayed Registration. The information will be filled-up by the father, mother or guardian. Basic information like child’s complete name, child’s birth date, father’s name (for an illegitimate child but with acknowledgment from father), date and place of parents’ marriage, and the reason for the delayed filing of birth certificate within the 30-day-period- after birth.
  • Documents like baptismal certificate, school records, income tax return of parent/s, medical records, etc. Child’s name, date, and place of birth or father and mother’s name should be seen in the records to be shown.
  • ‘Affidavit of two disinterested persons’ who saw the birth of the child.


  • Certificate of Marriage for married individuals
  • The same requirements as above

How to file for Late Registration of Birth Certificate?

  • You must go to the Office of the Civil Registrar which you can find in the city hall of the place of birth.
  • Bring all the requirements needed.
  • Wait for the civil registrar to check all your requirements.
  • Wait for the civil registrar to give further instructions.

You may also read: 2019 SSS Contribution Table for Self-employed, Voluntary or Overseas Filipino Workers

It is the right of a child to have a name but if you have a kid and you didn’t file for the birth certificate at once after birth, you can still file for late registration. You owe it to your kid to do this. Just follow the instructions and submit the requirements and wait for the birth certificate to be released.

Guide on How to Invest Time Deposit in the Philippines

Guide on How to Invest Time Deposit in the Philippines

It is a smart idea to invest your money in a time deposit. But before making your decision you should understand that you’re not allowed to withdraw the money prior to the agreed period. The good thing is that your time deposit has a higher interest rate than the regular savings account. Thus, through time deposit you will learn to be thrifty and not to spend with unnecessary expenditure.

photo credit: iMillennial

A time deposit is the best option for OFWs to invest their hard-earned money. It’s not only a good start to save but it is also a good way to keep your money securely not to mention the higher interest earnings.

How to invest time deposit in the Philippines

A time deposit is a form of saving investment that is risk-free. A specific amount of money is deposited for a period in a chosen bank. Many banks in the Philippines are offering time deposit with a high-yield rate and competitive term for up to six years. Generally, time deposit tenure may last for up to 12 months but may also depend on the depositor.

The advantage of opening a time deposit is that the requirements are easy to comply, and the depositor can choose for the term. Likewise, the depositor is also allowed to withdraw the money and close the account in case of urgency. But a termination fee should be expected.

Read: Tips to Determine if the Philippine Banknote is Genuine

Good return on investment from time deposit

Saving your money in a time deposit is like investing in a business venture. You’re not engaging directly in a business, but you can earn a high return. Despite the advantages of investing in a time deposit, it also has its own share of risk yet minimal. The risk is that you cannot withdraw it unless for emergency case otherwise you will be charged for a pre-termination fee.

The interest rate may be higher, but you should also expect for some charges and fees deducted from the earned interest. Stamp duty is also charged if the deposit is more than Php250,000.00. The depositor will pay Php1 for every Php200.00 excess.

Read: Grow your Money Now: Invest in Retail Treasury Bonds

Add more deposits in your time deposit account

The good thing about time deposit is that you can continue to increase your deposit. All you must do is to notify and request from your bank about your intention to make additional deposits before the maturity of your time deposit. If you will deposit your money for a longer time you can expect to earn more.

Read: What You Need to Know in Opening BDO Kabayan Savings Account

Tabular representation of a 5-year time deposit

Banks Terms (months) Interest Rate (%)
Security Bank Peso TD 1 0.75
3 0.88
6 1
12 1.20
24 1.20
60 1.20
Chinabank Diamond Savings 1
3 0.63
6 0.75
12 0.88
24 0.88
Maybank Classic TD 1
3 0.60
6 0.60
12 0.75
24 0.75
UCPB Peso TD 1
6 0.50
12 0.50
Union Bank Peso TD 1
3 0.38
6 0.48
12 0.58
24 0.63
BDO Peso TD 1
3 0.38
6 0.38
12 0.63
24 0.63
Landbank Regular Peso TD 1
3 0.38
6 0.50
12 0.50
24 0.63
Metrobank Peso Regular TD 1
3 0.25
6 0.25
12 0.50
24 0.50
BPI Family Savings Regular TD 1
3 0.25
6 0.58
12 0.44
24 0.50
BPI Direct Savings Regular TD 1
3 0.25
6 0.38
12 0.44
24 0.50
BPI Regular TD 1
3 0.25
6 0.25
12 0.44
24 0.25

Investing in time deposit is ideal for anyone who wants to keep the money for a specific period. All you must do is to choose the bank that offers higher interest rate.

Basic requirements for time deposit

  • 1 x 1 ID photo
  • Valid ID’s (government-issued)

You can also inquire from your chosen bank about other additional requirements especially for non-residents or alien applicants.

Tips to Determine if the Philippine Banknote is Genuine

Tips to Determine if the Philippine Banknote is Genuine

Every peso regardless of denomination is a product of hard work. That’s why it is essential to ensure that the banknote we receive is genuine. It is apparent that there are banknotes circulating that are fake. That’s why the BSP or the Bangko Sentral ng Pilipinas is reiterating its reminder to everyone to be mindful in checking each banknote.

image credit: news.mb.com.ph

To ensure the veracity of the Philippine peso bill, the BSP has taken the necessary measure by using the new technology. The new released Philippine banknote has security features and upgraded designs. If you will notice the Philippine banknotes are a little bit rough because the materials used in producing the banknote are Philippine abaca and cotton.

Methods in checking the authenticity of the Philippine banknote

  • Feel method

To determine if the banknote is not fake you should check if the paper is rough. The security paper is rough because it is made from Philippine abaca and cotton material. Likewise, you can also feel the embossed prints.

  • Look method

Some of the features that you should look for in a banknote is the embossed prints, see-through marks, asymmetric serial number, security fiber, and the watermark.  You can see the watermark when you view the bill against the light. The shadow shows the banknote’s denomination and the portrait’s image. The serial numbers are designed asymmetrically composed of six to seven digit and two prefix letters.

  • Tilt method

Tilting the banknote down you will see the concealed value. Likewise, when you tilt the 50-peso and 20-peso banknote you will see the security thread embedded on it. You can also see the metallic security thread 4mm wide in 100, 200, 500, and 1,000 peso banknotes. The BSP initials are located at the thread along with the repeated series of the numeric denomination. At the rear part of the security threads, you will see the initials of BSP.


The new generation of banknotes has reflective foil in which the image of the Blue-naped parrot and the small BSP logo is printed. If in case you receive a banknote having unusual and doubtful features, you can present it to any BSP office near you.

Grow your Money Now: Invest in Retail Treasury Bonds Until March 8, 2019

Grow your Money Now: Invest in Retail Treasury Bonds Until March 8, 2019

Are you planning to invest your money even with a small amount? Yes, it is possible through the Retail Treasury Bonds offered by the Philippine Bureau of Treasury. The good thing about investing in RTB is that it is guaranteed secured because you’ll be dealing with the government. Thus, your investment is both personal and social. You won’t only earn interest income but also contribute funding for the government’s projects.


In an announcement by the Bureau of Treasury, the 22nd tranche of the RTB has a 6.25% interest rate per year.

Is it safe and secure to invest in RTBs?

The Retail Treasury Bonds are higher-yielding, low-risk, and affordable investment option. It is default or risk-free because the investor will invest in the government. The interest rates are lower as compared to other investments. Anyone can afford to invest in RTBs for as low as Php5,000 and increase thereafter in multiples of Php5,000.

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Individual investors or corporations can purchase and invest in RTBs. The 22nd tranche of RTBs will be available starting February 26 to March 8, 2019.

Here’s how you can apply for RTBs:

  • Go to the nearest bank and inquire if they offer RTBs. Make sure you have a Philippine Peso Account to qualify.
  • Fill out the forms and submit the necessary requirements.
  • The principal cost is deducted directly from your account. The interest rates are also credited into your bank account every quarter until the maturity of the investment.

How you can make money from retail treasury bonds?

Individual investors can acquire RTBs from trust companies, banks, and other institutions having RTB allocations. Once you receive the RTB allocation, you can expect to receive quarterly income from your investment in retail treasury bonds. However, the total amount of interest that you will receive is reduced due to the withholding tax.

Interest Rates Retail Treasury Bonds

4.875% Rate after 3 years

Amount of Investment Interest after 3 years
₱5,0000 ₱585.00
₱10,000 ₱1,170.00
₱15,000 ₱1,775.00
₱20,000 ₱2,340.00
₱25,000 ₱2,925.00
₱30,0000 ₱3,510.00
₱35,000 ₱4,095.00
₱40,000 ₱4,680.00
₱45,000 ₱5,265.00
₱50,000 ₱5,850.00
₱100,000 ₱11,700.00
₱200,000 ₱23,400.00
₱300,000 ₱35,100.00
₱400,000 ₱46,800.00
₱500,000 ₱58,500.00
₱1,000,000 ₱117,000.00


Ways to Avoid Illegal Recruiters

Ways to Avoid Illegal Recruiters

Scared of illegal recruiters? You better be! These are people who will trick you that you can go abroad when you pay them. They will offer irresistible jobs that don’t exist. It’s hard not to believe these people because they will make it look like their offers are true. Many people fall for their trap but be wise enough to recognize them before you give your money away.

Illegal Recruiters are people or agencies that don’t have licenses. There are a lot of them looking for their next victims. This comprehensive report is about Illegal Recruiters. It also lists the tips that the Philippine Overseas Employment Administration (POEA) gives to future OFWs so that they don’t become victims. These are the things that you should remember.

  1. Go to Licensed Recruitment Agencies

Whatever you do, don’t look for the ‘fast way’ to going abroad. You will only feel disappointed when you learn that the agency you’re talking to doesn’t have license. The first step is to look for agencies that have licenses. Even license can be a sham so you still need to verify if what they’re showing you is real.

2. Listen to POEA Advises

Don’t do under-the-table deals. Always verify with the POEA if a ‘recruiter’ is telling the truth about a certain job abroad. A legal job opening will have an ‘approved JO’ (Job order). Another thing worth mentioning is that most illegal recruiters don’t have extensive knowledge about job openings in other countries.

3. Go to Authorized Agencies

Illegal Recruiters will sweet talk you. They will make you believe that what they’re trying to sell to you is real. These ‘real jobs’ that need to go under-the-table are illegal. You might feel drawn to their offers but don’t give in. Remember that you can get real jobs from real companies. Their fees may be higher or the process can be longer but you’re assured that you can go abroad.

4. About Payments

The only allowable placement fee is the first-month salary. There are some cases when charging for placement fee is not even allowed. You can sign these fees but only after signing an employment contract. You also need to ask for an official receipt where the total amount paid by you is written.

It’s also important to note that real agencies won’t ask for immediate payments of the airfares, intended visa, and processing costs. You can pay this after you have a job offer.

5. About Working Visa

Getting a work visa or permit is a prerequisite for getting job offers. Some illegal recruiters tell their victims to get a tourist or visit visa but getting a work visa is more appropriate so you can get the right and legal job. It’ also better to transact with government offices and personnel to avoid fixers and illegal recruiters.

read also: Maaari nang Sampahan ng Kaso ang may Maliliit na Utang sa Pamamagitan ng Batas na Small Claims

Final Thoughts

Illegal recruiters are everywhere and they will lure you to deal with them but choose licensed recruitment agencies when looking for jobs abroad. It may take longer but no one will steal your money when working with these agencies. Also, listen to what the government has to say about the matter. they have your wellbeing in mind and they don’t want you to become a victim. Happy job hunting!

Requirements and Things to Do to Become an NBI Agent

Requirements and Things to Do to Become an NBI Agent

The National Bureau of Investigation is an agency under the Department of Justice. The NBI holds office in the Philippines. It’s responsible for investigating some of the most high profile cases in the country. It’s not easy to apply to the agency. In fact, there are several requirements you should meet if you’re interested in applying.

The NBI prefers lawyers, CPAs, law enforcers or accountants. They hire other courses but within the same area as mentioned above. They hire applicants that have clean records or passed the NBI clearance. Applicants must also have technical skills to get hired.

Though the agency prefers lawyers and CPAs, they still hire NBI staff who aren’t the two. To add, you can apply as an Entry-level special investigator. NBI hire them because working for the agency requires lots of investigative work. Training for NBI involves knowledge in foreign language and excellent criminal case skills. In short, you need to be tough if you want to be part of NBI.

NBI Application Requirements

  • Must be a Filipino citizen with good moral character
  • Must be in excellent mental, physical, and psychological health
  • Must have a baccalaureate degree
  • Must be a board passer or a first grade Civil Service Exam passer
  • Must have a general average of 84% in school
  • Must have no failing grade
  • Must be between 25-35 years old
  • At least 5’5′ in height for males and 5’3″ in height for females
  • Must have a good eyesight
  • Must have no criminal, civil, and/or administrative record, cases, and charges
  • Must not be convicted of any crime
  • Must have no tattoo/s or body piercing

Documentary Requirements

  • Birth Certificate
  • College Diploma
  • Transcript of Records (ToR)
  • Eligibility (Bar, PRC or Civil Service)
  • Marriage Contract (if applicable)
  • Certificate of Residency
  • Photo with a white background (2 pieces)
  • NBI clearance
  • Income Tax Return (ITR), if applicable

NBI Agent Salary and Benefits

Entry-level NBI agents can get Php18,000 a month while Special Investigators get a Php32,000. Older NBI Agents can get Php37,000. NBI Agents can also get benefits like 13th-month pay. They have GSIS, Philhealth, and Pagbig HDMF.

Where to Apply

You can apply at their main office. Their main office is Taft Avenue, Ermita, Manila. Proceed to the Personnel Department of the agency to apply. You can email them at [email protected] for inquiries and other concerns.

What to Expect?

Like with any other job application, getting in the agency will require you to do your best. You will undergo a series of tests, interviews, and exams. This might intimidate you but in every success, there is hard work. You must remember to do your best to get hired by the agency.

Final Thoughts

Joining the NBI may not be as easy as 1-2-3 but if you think it’s your calling then you have nothing to lose. Go ahead and try applying, you might be lucky or this may be your destiny! Good luck and don’t forget to work hard on achieving your dreams.

Know how to compute ITR or Income Tax Return in Philippines

Know how to compute ITR or Income Tax Return in Philippines

Complying with the Philippines’ income tax regulations is essential for every taxpayer. The process of computing Income Tax Returns (ITR) involves several steps to ensure accurate reporting and payment of taxes. Here’s a concise guide to help you navigate through the computation process.

credit to google image

Firstly, gather all the necessary documents. This includes your Certificate of Employment (COE), payslips, and other income-related documents. If you have multiple sources of income, make sure to compile information from each.

Next, understand the different income tax brackets in the Philippines. The country follows a progressive tax system, meaning that higher incomes are subject to higher tax rates. The tax brackets are updated periodically, so ensure you have the latest information. As of my last knowledge update in January 2022, the tax rates ranged from 0% to 35%.

Calculate your taxable income. This involves subtracting allowable deductions from your gross income. Common deductions include contributions to the Social Security System (SSS), PhilHealth, and the Home Development Mutual Fund (Pag-IBIG). Additionally, you can claim personal and additional exemptions for yourself and qualified dependents.

Take advantage of available tax credits. The Philippines offers tax credits for specific expenses, such as qualified dependents, education, and home development loans. Ensure that you have the necessary documentation to support your claims for these credits.

Utilize the BIR Form 1700 for individuals earning purely compensation income and BIR Form 1701 for self-employed individuals and professionals. Accomplish the forms accurately, providing all the required information. Double-check your computations to avoid errors that could lead to penalties.

If you are entitled to a tax refund, ensure that you correctly fill out the relevant sections of the form. Conversely, if you have tax payable, settle the amount by the deadline to avoid penalties and interest.

credit to google image

Submission methods may vary. For employees, the employer usually withholds the necessary taxes and facilitates the submission of the ITR. If you are self-employed, you may need to submit your ITR directly to the Bureau of Internal Revenue (BIR).

It’s crucial to stay updated on any changes in tax laws and regulations. The Philippine tax system undergoes periodic revisions, and staying informed will help you comply with the latest requirements.

In conclusion, computing Income Tax Returns in the Philippines involves careful consideration of income, deductions, and tax credits. Being diligent in gathering accurate information and staying informed about tax regulations will help you navigate the process smoothly and fulfill your tax obligations responsibly.

How to check vehicle LTO plate number online for verification

How to check vehicle LTO plate number online for verification

As a responsible driver, it is important to ensure that your vehicle is registered with the Land Transportation Office (LTO) and that its license plates are in good standing. In case you need to check the plate number of a vehicle, whether it is your own or someone else’s, you can do so easily by following these steps:

  1. Visit the LTO website – The LTO has an online platform that allows you to access various services, including plate number verification. To get started, visit their official website at www.lto.gov.ph.
  2. Look for the plate number verification page – On the homepage, you will see a menu bar that contains various tabs. Click on the “Motor Vehicle” tab, then select “License Plate Verification” from the dropdown menu. This will take you to a new page that has a search bar.
  3. Enter the plate number – On the search bar, type in the plate number that you want to verify. Make sure that you input the correct plate number and do not leave out any characters.
  4. Click “Search” – After you have inputted the plate number, click on the “Search” button to begin the verification process. The website will then display information about the vehicle, including its make, model, year, and registration status.
  5. Verify the information – Review the information provided by the website and make sure that everything is correct. If there are discrepancies, it is best to contact the LTO for further assistance.

Take note of the information – Once you have verified the information, take note of it and keep it for future reference. This will come in handy if you need to prove that your vehicle is registered and its license plates are in good standing.

In conclusion, checking the plate number of a vehicle is an easy process that you can do online through the LTO website. By following the steps outlined above, you can quickly verify the registration status of a vehicle and ensure that you are driving a legally registered car.


Check through text messaging;
You can also check LTO plate number also via text message, Here’s how to check your LTO plate number, you have the option to text LTO. Open up your phone and your text messaging app. Send the message “LTO VEHICLE [your vehicle’s plate number]” to 2600 just like this one “LTO VEHICLE ABC312.” The number you messaged should send you details about your car as well as verify your plate number. Take note SMS may charge around P2.50.

Kagandahan loob ipinamalas ni Bea Alonzo, Nang ipinagluto at inimbita ang mga Aeta sa Zambales sa kanilang farm

Kagandahan loob ipinamalas ni Bea Alonzo, Nang ipinagluto at inimbita ang mga Aeta sa Zambales sa kanilang farm

Isa sa pinakapipitagang aktres sa kasalukuyang henerasyon marami ang humahanga lalo na ang mga kalalakihan dahil na rin sa husay niya bilang artista, bukod pa sa taglay nitong kagandahan. Yan nga si Bea Alonzo, na kamakailan lamang ay naging usap-usapan dahil na rin sa pag-imbita nito sa mga katutubong Aeta sa kanilang farm sa Zambales.

larawan mula kay bea alonzo | youtube
larawan mula kay bea alonzo | youtube

Ngunit hindi lamang ito ang kanyang ginawa ipinaluto rin ng aktres ang mga Aeta at binigyan ng munting supresa. Kasama ng mahusay na aktres sa pagluluto ang kanyang kapatid na si James at sister-in -law na si Thalia. Kung saan hindi birong putahe ang inihain ng mga ito.

larawan mula kay bea alonzo | youtube
larawan mula kay bea alonzo | youtube

Specialties na Chicken Hamonado at Arroz Valenciana o Bringhe, ang inihain ng mga ito para sa kanilang mga bisitang Aetas. Tunay nga mabuti ang kalooban ng dalagang aktres na minsan na rin nasaktan sa kanyang buhay pag-ibig ngunit buo pa rin ang bukal na kalooban para sa mga hindi nabigyan ng marangyang pamumuhay.

larawan mula kay bea alonzo | youtube
larawan mula kay bea alonzo | youtube

Handa pa rin humarap at magpakababa sa mga katutubong Aeta na hindi mo makikita sa ibang nakakataas na antas ng pamumuhay. Marahil sasabihin ng iba na itinampok ito sa vlog ni Bea ngunit kung iyong mapapanood wala itong halong pagdradrama bagama’t purong kasiyahan at pagtulong lamang.

Kung sana ganito lamang ang makikita o mararamdaman natin sa ibang vlogger tuwing mapapanood natin ang kanilang mga videos, eh di sana maiiwasan ang mga isyu o hindi magandang komento sa mga ito. Ganunpaman makikita sa video ang lubos na kasiyahan ng mga Aetas pati na rin ang ina ni Bea na talaga naman napapaindak sa sayang dulot ng tagpong iyon. Mapapanood ang buong video sa vlog ni Bea Alonzo sa kanyang Youtube Channel.

Isa sa hinangaang boksingero ng ating bansa na si Donnie ‘Ahas’ Nietes proud bilang delivery food rider

Isa sa hinangaang boksingero ng ating bansa na si Donnie ‘Ahas’ Nietes proud bilang delivery food rider

Umani ng papuri ang 40-anyos na si Donnie ‘Ahas’ Nietes mula sa mga netizens matapos kumalat ang larawan nitong nakasuot ng pink, alam naman natin na nagungunang food delivery app sa ating bansa. Si Nietes ay edad 40-anyos na at kamakailan lamang ay yumuko sa kanyang nakalaban na Japanese superstar boxer na si Kazuto Ioka.

Larawan mula sa google

Isa sa hindi pinalad si Nietes sa kalabang hapon na marami na ring Filipino fighter ang pinabagsak nito. Makulay ang naging buhay ni Donnie ‘Ahas’ Nietes mula pagkakaroon lamang ng simpleng pangarap na makatapak sa ibabaw ng boxing ring. Dati siyang naging janitor at nakitaan ng potential sa larangan ng boxing.

Larawan mula sa google

Ngunit may kaedaran na ito ng makilala sa larawan ng boxing at hindi ito naging hadlang para makapagbigay karangalan sa ating bansa. Sa kabilang bansa hindi lahat ay sinusuwerte tulad ng ating pambansang kamao kaya naman si Nietes ay pinasok ang raket bilang delivery food rider. Kung saan nakilala ito ng maraming netizens. Labis na humanga ang mga ito sa kanya sa kabila ng hirap pinili pa rin nitong dumiskarte sa malinis na pamamaraan.

Larawan mula sa google

Ilan pa nga sa komento ng netizen sa kanyang kumalat na larawan ay; “Ang mag cancel ng order may black eye,” saad ng isa.“Pa-order po sir 2 pcs upper cut, 1 large right hook, 1 regular straight jab,” pagbibiro ng ilang netizen.

Larawan mula sa google

Ngunit ang lahat ng ito ay pabiro lamang, tunay nga angkin kagalingan ng minsan na ring tinagurian Donnie ‘Ahas’ Nietes sa ibabaw ng lona. Sa ngayon wala pa raw sa plano nitong magretiro bilang boksingero at kung may pagkakataon lalaban pa ito ng buong lakas at husay na kanyang taglay.

Tinaguriang Real life Darna ibinahagi ang Farm nito na nabili bilang tirbute sa mga kababayan nating magsasaka

Tinaguriang Real life Darna ibinahagi ang Farm nito na nabili bilang tirbute sa mga kababayan nating magsasaka

Sa panahon na paiba iba ang klima at dumadanas ang ating mundo ng hindi pangkaraniwang bugso ng panahon. Marahil nga ay walang permanente sa ating mundo, anuman ang bagay ay hindi mananatili kung anuman ito bagkus paglipas ng panahon ay magbabago ang uri nito. Lalo kung ang ating pag-uusapan ang nangyayaring init na nararanasan ng ating mundo, habang ang panahon ay lumalaon mas lalo tayong nakakaranas ng init sanhi ng tinatawag na Global warming.

Kaya naman ilan sa paborito nating artista tulad na lamang ng kinilalang real-life Darna na si Angel Locsin ay nagbahagi din ng kanyang ambag upang kahit papaano ay maibsan ang lumalalang problema ng kalikasan. Alam naman nating lahat basta patungkol sa kalikasan ay bukas palad ang pagtulong ni Angel, atin na rin itong nasaksihan sa mga sakunang nagdaan sa ating bayan kung saan nangangailangan ang ating mga kababayan ng tulong ay nakikita natin siyang tumutugon.

Sa isang vlog nito kasama ang kanyang asawa na si Neil Arce ibinahagi nila ang kanilang Farm na nabili sa isang lugar ng Bulacan, at kanila itong binisita kasama ang iba pa. Ganun pa man sa videong kanilang ibinahagi makikitang game pa rin sa mga aksyon ang ating bida. Sumusubok magpala at magtabas ng damo ganundin ang pagtatanim ng puno. Sa nabanggit na Farm, makikita ang lawak nito at nagawa pa nga subukan ng mag-asawa na mag-golf dito.

Maaninag na may iilang mga tanim na rin sa paligid ng nasabing farm, sa tantya malamang sa daang ektarya din ang lupang ito. Sambit pa nga ni Angel ay wala pa itong ngalan kaya naman hinihikayat niya ang ilan sa kanyang mga tagahanga na magbigay suhestyon kung ano ang magandang ipangalan dito.

Ayon sa pa sa kanya ang lupang ito ay binili niya bilang pagpapahalaga sa mga kababayan nating magsasaka. Waring matagal ng nabili ito at kung susuriin sa panahon ngayon malamang ito ay umaabot na sa malaking halaga bawat sqm na sukat nito. Tunghayan ang buong video sa kanilang Youtube channel kasama ang iba at ang kanyang pinakamamahal na asawa.

Marami ang nabigla sa pagkakansela ng isang customer, nang order nitong Money Cake matapos mapag-alaman na hindi libre ang laman nitong pera

Marami ang nabigla sa pagkakansela ng isang customer, nang order nitong Money Cake matapos mapag-alaman na hindi libre ang laman nitong pera

Usong uso ngayon sa mga handaan ang samu’t saring pakulo kung saan ikinagugulat ng mga nagdiriwang ang mga ganitong uri ng supresa. Nariyan ang regalong payong na kapag binuksan ay may mga nakasabit na perang papel sa loob nito. Ang iba naman ay cake na may lamang pera sa loob nito, eto ngayon ngayon ang usong uso lalo na sa mga magulang na nagdiriwang ng kanilang kaarawan.

image for reference only

Ngunit kamakailan isang trending post ang mabilis na kumalat matapos ikansela ng isang customer ang order nitong Money Cake, dahil hindi pala libre ang nilalaman nitong pera. Marami sa ating mga netizen ang nabigla sa inasal ng customer. Ang istoryang ito ay ibinahagi ni Bea Manuel Sigua. Ayon sa kwento ni Bea may isang customer na gustong magpagawa ng Money Cake na may lamang sampung libo sa loob nito sa halagang P1500 ay babayran siya nito.

Ngunit ng malaman na ang Money Cake ay hindi kasama ang perang kalakip nito agad na nagkansela ang nasabing customer kaya naman dismayado ang Cake Maker na si Bea. Ayon pa sa kanya nadala na umano siya sa ganitong sistema, minsan na siyang nagpautang ngunit kinansela diumano ang kanyang ginawang Cake kaya naman nasayang lamang ang pagod niya dito.

Hindi po ako nag aabono sa money cake hindi po ako mayaman kung bawat money cake 1500 lang halaga tapos may laman na 10k e di na po ako magbebake oorder nalang ako ng money cake sa ibang baker. Pag money cake po kayo po magbibigay ng pera na ilalagay sa loob. Hindi po kami nag aabono don kasi last time na nag abono ako don nagcancel ng order yung client, nasayang effort ko mag withdraw, magpabarya at magbalot nakakadala na po talaga.

Sa panahon ngayon wala na atang libre kung hindi ang mangarap, lahat negosyo o serbisyo ay may kaakibat na halaga kaya naman dapat masusing alamin ang bawat ginagampanang kilos ng sa huli, lahat tayo ay hindi napeperwisyo.

Blessing ang grupo ng kabataang ito sa isang matandang inabandona ng pamilya matapos nila tulungan ito

Blessing ang grupo ng kabataang ito sa isang matandang inabandona ng pamilya matapos nila tulungan ito

Isang grupo ng kabataan ang pinuri online sa kanilang munting kabayanihang ipinamalas, matandang inabandona ng pamilya kanilang sinalolohan.  Ang kabataan mula sa Caloocan City ang naging daan upang mabigyan ng maayos na damit at pustura ang isang matandang 70 anyos at wala ng pamilya.

Larawan mula kay Shawn Mendoza | Facebook

Isang araw sa kanilang nakarinig ang grupo ni Shawn Mendoza ng ingay na tila ba umiiyak, kanila itong hinanap at ng matagpuan. Ang matanda ay walang saplot panay sugat at umaaray sa sakit. Nang makita ang sitwsyon agad itong tinulungan ng mga kaibigan ni Shawn at binihisan.

Larawan mula kay Shawn Mendoza | Facebook

Ayon sa mga ito ang nasabing matanda ay inabandona ng kanyang pamilya, 70 anyos na ito at dalawang beses na umanong inatake sa puso. Agad naman din inihingi ng tulong ng grupo ni Shawn ang matanda online ng sa ganun kahit papaano ay matulungan ito. Hindi naman nabigo at kahit papaano may ibang nagbigay ng tulong sa mga ito.

Larawan mula kay Shawn Mendoza | Facebook

Narito ang kabuuan ng post mula kay Shawn Mendoza; “Oct.10, 2022. Around 2PM ng hapon, nakatambay kaming magkakaibigan sa isang tindahan sa Katuray st. ng barangay 179 Amparo, Caloocan City.

Sa gitna ng kwentuhan namin ay may narinig kaming matandang pasigaw ang salita at umaatungal sa sakit. Humihingi ito ng softdrinks ngunit wala kaming mahanap na pagbibilhan, kaya tubig nalang ang binili namin.

Larawan mula kay Shawn Mendoza | Facebook

No’ng una ay gusto pa naming matawa dahil akala namin ay isa lang itong normal na tao at lasing lang. Ngunit nang oras na lumapit kami para iabot ang tubig at para makita na rin siya ng malapitan ay doon na bumungad ang isa sa pinaka nakakalungkot na eksenang pwedeng makita ng dalawa naming mga mata. Sobrang nakakalungkot at nakakabigla. Nakahilata siya sa sahig ng walang saplot pang-ibaba, puno ng mga sugat at nababalot siya sa sarili niyang dumi mula talampakan pataas hanggang sa ulo.

At sa punto ngang iyon, wala talaga kaming ibang nasa isip kundi mga katanungan. Kaya’t habang pinapainom namin siya ng tubig ay sinubukan namin siyang kausapin, tanungin sa kung bakit nagkaganoon ang kalagayan niya, kung may may nag-aasikado ba sakanya, o kung asaan naba ang pamilya niya. At sa mga sandali ngang iyon ay puro lang kami tanong, willing din naman siyang sagutin ang mga tanong namin at eto nga ang mga bagay na nalaman namin tungkol sa kaniya.

Larawan mula kay Shawn Mendoza | Facebook

Siya si ARMANDO VILLOTA, 7O+ years old at nagkaroon ng stroke dalawang beses, hiwalay sa asawa’t mayroong tatlong anak, isang lalaki at dalawang babae at lahat silang tatlo ay napagtapos niya sa magagandang skwelahan at sa ngayo’y lahat sila’y nasa ibang bansa na. Hindi namin sigurado kung nasa Canada ba lahat ng anak niya, pero ang sigurado kami nasa ibang bansa silang lahat.

Si tatay Armando ay may mga anak ngunit ang nakakapagtaka dito ay pawang nasa ibang bansa ang mga ito, ngunit bakit ganito ang naging kalagayan ni tatay.

Marami ang naantig at napabilib sa isang delivery rider, baliko man itong lumakad ngunit derecho sa pagtratrabaho upang may matustos sa kanyang pamilya

Marami ang naantig at napabilib sa isang delivery rider, baliko man itong lumakad ngunit derecho sa pagtratrabaho upang may matustos sa kanyang pamilya

Sobrang daming dumadanas ng hirap sa panahon ngayon, marami sa ating kababayan ang dumadaing ngunit ano pa nga ba ang ating magagawa kung patuloy lamang sa pagdaing hanggang kumalam ang sikmura. Hindi ba mas kinakailangan kumilos at magbanat ng buto kaysa walang maihatag na pagkain sa lamesa.

Larawan mula kay Avril Avril Avril | Facebook

Maraming trabaho kung tutuusin ngunit kailangan mong magtyaga upang makasungkit man ng isa, marahil sa dami ng taong nag-aaplay at iilan lamang sa kompanya ang natatanggap. Ngayon kung hindi mo pa ito kikilusan at mananatili kang nakaupo lalong walang mangyayari sa ating buhay..

Kaya naman minsan naibahagi ng netizen ang isang may kapansanan na delivery rider ngunit patuloy ang patas na paglaban nito sa buhay ay marami ang nahabag ngunit sa kabila naman nito ay napahanga dahil na rin sa kabila ng kanyang kakulangan dinaig pa nito ang isang normal na tao kung magtrabaho.

Larawan mula kay Avril Avril Avril | Facebook

Kaya naman sa post ni Arvril labis at taos puso ang paghanga nito sa  matandang delivery rider na hindi na pinangalanan. Bagaman makikita sa larawan na ang paa ni tatay ay isang bakal o maaaring prostetic na. Sa hindi malaman kadahilanan, kung ano ang nangyari sa kanyang paa. Nanaig pa rin sa iilan ang paghanga sa matandang delivery rider.

Umani ng papuri at magagandang komento ang rider, kulang man ang bahagi ng pangangatawan nito buo naman ang puso at hangarin nito matustusan ang pangangailangan ng kanyang pamilya.

Larawan mula kay Avril Avril Avril | Facebook

Kaya sana ang isang simpleng post na naibahagi ni Avril ay magbigay inspirasyon sa karamihan lalo na sa mga taong nawawalan ng pag-asa sa buhay.  Narito ang kabuuang post ni Avril “Shout out kay tatay na napahanga ako ngayong araw. Eto ang tunay na masipag at madiskarte, lumalaban sa buhay kahit mahirap ang panahon ngayon dahil sa pandemic. Saludo ako sayo tatay kahit na ganyang kalagayan mo hirap ka maglakad diretso kpa din sa pag tatrabaho, kung mapapansin nyo po bakal po ang kaliwang side ng paa ni tatay, kaya hirap po sya tumayo at kahit mabgat po ang pinadeliver ko na dimsum di po sya nag cancel di ko din po kase expected na ganun po kalagayan ni tatay. Basta tatay salute ako sayo.”

Kinabigla ng ilan ang ginawang ito ng Guro sa Estudyanteng walang maisagot sa exam

Kinabigla ng ilan ang ginawang ito ng Guro sa Estudyanteng walang maisagot sa exam

Bilang estudyante hindi lamang pag-aaral ang iniintindi nariyan din ang iba pang suliranin sa buhay kaya naman kung minsan napapabayaan narin ang pag-aaral. Lalo sa panahon ngayon maraming mag-aaral ang dumadanas ng pagsubok dahil na rin sa mga nakaraan krisis na kinakaharap ng ating mundo. Bukod pa dito ang hirap ng buhay kung saan minsan wala na maitustos sa pag-aaral kung may kinakailangan sa paaralan.


Hindi natin alam ang bawat pinagdadaanan ng mag-aaral sa kanilang buhay, may ibang sobrang masalimuot kaya naman hindi na rin nagagawang makapag-aral o maging handa pagdating sa paaralan. Kaya naman minsan na naging laman ang larawang ipinost ng isang guro. Ayon sa kanya ang ibinahagi niyang post sa socmed ay para lamang makapagbigay ng appreciation sa iba’t ibang uri ng mag-aaral lalo na sa isa niyang estudyante.

Sa panahon ng pagsusulit ng mga ito ay walang naisagot ang bata sa takdang pagsusulit subalit mayroon itong iniwan na kataga sa kanyang papel at ang sabi “Sorry po Sir, hindi po ako nakapag-review at ayaw ko po mag-cheat kaya wala po ako sagot (sad emoji) please appreciate”.

Cassandra Marie Ismael | Facebook

Ang mga katagang ito ang tumanim sa kanyang damdamin kaya imbes na makagalitan nito ang bata ay nabigla pa umano sa kanyang nakita. Dahil para kay teacher “VALUES is more important than having a HIGH GRADES with me”. Persepsyon ko po yon, yun po ako.

Ang tunay pala na rason ay dahil wala ang bata noong araw na naglesson sila patungkol sa pagsusulit na iyon. Ayon pa kay teacher inabisuhan naman niya ang lahat ng kanyang estudyante na mag-aral ngunit laking gulat na lamang niya kung bakit alam ng bata na mayroon silang pag-susulit.


Kalaunan napag-alaman ni Teacher ang tunay na rason ng pagliban ng bata, ito’y sa kadahilanang naaksidente pala ito sa hindi malamang dahilan. Ang naging pagtugo ng guro sa kanyang mag-aaral ang kinabiliban ng mga netizen ganun din ang pagiging matapat ng bata sa kanyang sarili. Kung ating iisipin bibihira nga naman ang ganitong pangyayari na maging tapat ka sa iyong sarili sa oras ng pagsusulit. Ang kakatotohan sa mga ganitong sitwasyon ay hindi mo hahayaan maging blanko ang iyong papel at gagawa ng paraan may maisagot lamang dito kahit na kaunti.

Saludo at papuri sa batang mag-aaral at sa kanyang guro na hindi inuna ang emosyon bagkus namutawi sa kanyang damdamin ang pagiging mahinahon at inalam muna ang katotohan sa likod ng hindi magandang pangyayari.

Nakakahabag ang sinapit ng isang Bulag na tindero matapos itong bayaran ng pekeng isang libo ng mga kawatan, sa kabilang banda dinagsa naman ito ng tulong

Nakakahabag ang sinapit ng isang Bulag na tindero matapos itong bayaran ng pekeng isang libo ng mga kawatan, sa kabilang banda dinagsa naman ito ng tulong

Sa panahon ngayon kailangan ng matinding diskarte at lakas ng loob upang mabuhay, kung ayaw mong magutom at maiwan na dilat ang mata kinakailangan mo ng dobleng kayod. Ngunit kung minsan sadyang hindi maiiwasan na may mga taong masama ang intensyon sa kanilang kapwa. Kung sino pang lumalaban ng patas at nakikipagtunggali sa kahirapan sila pa itong ginagawan ng kabulastugan ng ilan nating kababayan.

Larawan mula kay JnE FamVlog | Facebook

Tulad na lamang ng nangyari sa isang matandang bulag na tindero sa bangketa sa lugar ng Barangay Basak, Lapu-Lapu City. Ang kinilalang vendor ay si Sabdullah Amantar na kahit na may kaidaran na ito at may problema sa paningin patuloy ang pakikibaka at paglaban ng patas upang mabuhay.

Larawan mula kay JnE FamVlog | Facebook

Sa gitna ng kainitan kamakailan sa nasabing lungsod ng Lapu Lapu City, binayaran si tatay ng isang mamimili ng pekeng isang libo ng taong nakamotorsiklo na bumili dito. Ayon sa kwento ng concerned citizen na nagbahagi ng pangyayari, Namili daw ito kay tatay sa halagang P100 piso at nagbayad ng isang libo P1000 agad naman itong sinuklian ng matanda ng halagang P900, ngunit kalaunan napansin ng nasabing citizen na peke ang ibinayad kay tatay kaya naman agad niya itong ipinaalam sa matanda at ibinahagi sa kayang socmed account para maging paalala sa iba.

Larawan mula kay JnE FamVlog | Facebook

Ayon sa mismong nakasaksi “naka motor yung bumibili saka napansin ni girl fake yung money yun lng po,” kwento nito. “naka blotter na pero wala pang balita kung nahuli na kasi po hindi naman masyado klaro yung cctv,” dagdag pa niya.

Larawan mula kay JnE FamVlog | Facebook

Sa pangyayaring ito agad naman bumuhos ang tulong kay tatay maging ang kanilang Mayor na si Mayor Junard “Ahong” Chan ay nagpahatid na rin ng tulong bukod sa pangako nitong makukulong ang kawatan kung ito ay mahuhuli. Sa ngayon patuloy pa rin ang pagtitinda ni Tatay sa kanyang pwesto.

Larawan mula kay JnE FamVlog | Facebook

Sa kabilang banda, ang socmed post ng JnE Famblog ay umabot sa maraming netizens. Sa nasabing larawan may kalakip din itong GCash number ni tatay kaya naman laking gulat ng mga ito sa dami ng nagpadala ng tulong halos umabot sa mahigit 30K ang pera nito. Ganunpaman nagpahatid ng pasasalamat ang anak ni tatay sa mga tumulong dito, ayon pa dito ang ilang bahagi na nalikom na halaga ay itatabi nila sa bangko at ang iba naman ay gagamitin ng mga ito sa pagtitinda ni Tatay.

Kinabiliban ang pulis na ito, matapos niyang pakyawin ang panindang saging ng isang matandang naglalako sa gitna ng initan

Kinabiliban ang pulis na ito, matapos niyang pakyawin ang panindang saging ng isang matandang naglalako sa gitna ng initan

Sa panahon ngayon kinakailangan mo talaga ng masusing diskarte, sa hirap ng buhay hindi pwedeng nakatunganga ka lamang at walang ginagawa kung hindi mamatay ka ng dilat. Kaya naman kahit na matanda ay kinakailangan maghanap-buhay may mailaman lamang sa tiyan nito.

Larawan mula kay Gov. Garry | Facebook

Kaya naman ang mga taong natulong sa mga kapos sa buhay ay itinuturing na bayani, bihira na sa ating ang gumawa ng mabuting asal lalo na sa mga taong lubos na nangangailangan. Ngunit sa isang banda may mga tao pa rin naman na bukal sa kalooban ang pagtulong.

Kamakailan lamang sa social media account ng isang gobernador sa lugar ng Bulacan naibahagi nito ang kabutihang ginawa ng isang pulis sa isang matandang naglalako ng saging sa gitna ng kalsada. Mainit at maalinsangan ang panahon at hindi magandang magbabad sa kainitan ng araw dahil na rin nauuso ang tinatawag nilang heatstroke. Delikado pa ito lalo na sa isang matanda.

Larawan mula kay Gov. Garry | Facebook

Sa nasabing post makikita kung paano tinulungan ng isang pulis ang matandang naglalako ng saging, pinakyaw nito ang lahat ng paninda ni Lolo upang makauwi na ng bahay. Marahil batid ni Police officer Jojo Paguia na delikado ang init na dulot sa panahong iyon, lalo pa may kaedaran na rin ang matandang nakita nito.

Kaya namana ng mga netizens napahanga sa ginawa ng Pulis, umani ito ng papuri at magagandang komento sa mga nakabasa ng nasabing post ni Gobernor. Hindi lamang ang pagpakyaw sa paninda ni Lolo ang ginawa nito, nagpaabot pa rin ito ng karagdagang tulong para kay Lolo. Pinayuhan din nito ang matanda na lubhang delikado para sa kanya ang maglako sa ganitong klaseng panahon.

Larawan mula kay Gov. Garry | Facebook

Salamat sa mga taong tulad ni Police officer Jojo Paguia na siyang tunay may malasakit sa kapwa. Kaya huwag natin husgahan ang ilang kapulisan sa ating bansa, hindi naman lahat ay tulad ng mga napapabalita o inaakala nating may masamang gawain.

Nakakaantig na liham ang nakalakip sa asong inabandona ng kanyang amo

Nakakaantig na liham ang nakalakip sa asong inabandona ng kanyang amo

Madalas tayong nakakakita ng asong pagala-gala sa kalye, ilan pala sa mga ito ay may kaakibat na kwento at hindi lahat ay sadyang palaboy lamang o ang tinatawag na askal. Ang aso ang itinuturing na man’s bestfriend lalo na noong panahon ng pandemya sila ang naging kaagapay sa ating tahanan upang mawala ang mga isipin natin.

Larawan mula kay Nicole | Twitter

Ngunit kamakailan ay may isang nakakahabag na istorya ang naibahagi sa social media ng isang netizen na si Nicole, ayon sa kanyang Twitter post may nakita siyang asong nakatali o abandonado aso at nakatali sa isang bahagi ng Mandaluyong City Hall. Kaugnay nito may nakalakip itong sulat na nakaipit sa bandang leeg nito sa mismong tali.

Larawan mula kay Nicole | Twitter

Sa larawan ibinahagi ni Nicole nakalakip ang isang punit na pirasong notebook na papel at may nakasulat na “kuya/ate kung sino po ang makabasa nito sana po alagaan nyo po ng maayos ang aso ko” “Kaya kopo ginawa ito dahil lagi nagagalit si mama sakanya hindi ko man kagustuhan.”
“Sorry PANDA”

Larawan mula kay Nicole | Twitter

Panda ang pangalan ng asong inabandona, maaaring nakarating na sa tunay na may-ari ang nangyaring ito. Nakakaantig sa damdamin ang nakasulat sa pirasong papel at marami din sa mga netizen ang nakisimpatya dito.

Larawan mula kay Nicole | Twitter

Kalaunan ang asong si Panda ay inilagak sa Philippine Pet Birth Control Center Foundation sa may Boni Avenue. At pakiusap ni Nicole sa mga nais mag-ampon kay Panda maaari nila itong puntahan sa nasabing foundation. Ilang netizen naman ang nakapaghati simpatya matapos mabasa ang maramdaming sulat at nagpabatid na nais nilang ampunin ang asong si Panda.


Ikinalula ng ilang netizens ang presyo ng alahas na nakuha mula sa nabiling Ukay na damit ng isang lalaki

Ikinalula ng ilang netizens ang presyo ng alahas na nakuha mula sa nabiling Ukay na damit ng isang lalaki

Iba iba ang kapalaran na kaakibat ng isang tao o kaya ang swerteng nakakapit dito, may ilang istorya na rin tayong naitampok patungkol sa mga nakukuhang mamahaling bagay o di kaya naman pera sa mga Ukay Shop.

Ang Ukay-ukay na nagsimulang sumibol noong dekada 90’s sa ating bansa ay siyang naging puntahan ng mga taong walang wala sa buhay upang makabili ng mumurahing dami o mga gamit ngunit mapapakinabangan pa. Dahil na rin sa ganda ng kalidad na nakukuha dito, marami ang nahuhumaling dito.

Larawan mula kay Alvin Piñero Balbon | Facebook

Kaya naman sa paglipas ng panahon magpahanggang ngayon ay sumibol ito ng husto at naging usap-usapaan maging sa senado ang ganitong klaseng negosyo. Halos saan man panig ng ating bansa ngayon ay may ukayan, naging negosyo na rin ito ng ilang kolektor dahil nga naman sa mga nabebentang bagay dito ay may tatak o mamahalin.

Larawan mula kay Alvin Piñero Balbon | Facebook

Samantala isang kababayan natin mula sa Dumaguete ang sinuwerte sa nakuhang gintong alahas sa nabili nitong ukay, noong una hindi ito makapaniwala at inakalang peke ito ngunit kalaunan nagulat na lamang si Alvin Piñero Balbon ang lalaking bumili sa ukay sa presyo ng nasabing kwentas.

Larawan mula kay Alvin Piñero Balbon | Facebook

Kaya naman nabalibid ang ilan netizens dahil sa halagang Php 180 na jacket, nagkaroon pa ito ng instant 18 karat gold na kwintas. Ayon pa kay Alvin hindi niya akalain na tunay ito dahil nga naman kung minsan may mga jacket na may kaakibat na palamuti. Ngunit kakaiba ito noong kanyang labhan ang nasabing jacket may nakapa siyang mabigat at iyon na nga kwintas sa loob ng bulsa nito.

Larawan mula kay Alvin Piñero Balbon | Facebook

Agad naman pinasuri ni Alvin ang nasabing ginto at laking gulat na lamang nito ng sabihin ng alahero na tumitimbang ito ng 87grams at nagkakahalaga ng mahigit na 93K o siyampong libong piso kung isasanla niya ito. Pero hindi pa pala dito natatapos ang kwento dahil muli niya itong ipinasuri at laking gulat niya na mas triple pa ang presyo nito sa nauna.

Umaabot sa 278K ang halaga nito kaya naman maraming netizen ang napa SANA OL na lamang ng malamang ang kwento ni Alvin na kumalat naman agad sa mga socialmedia. Samantala narito ang kabuuan ng post ni Alvin;

Larawan mula kay Alvin Piñero Balbon | Facebook

Mga marites, nalimot jud kog chika nga gahapon nangukay okay-okay ko, tanto nakong pili pili naa koy naganahang jacket, di man kuspaw tan awon ako rapod gi bayran dayon. Ganiyang buntag akong gilabhan, nya lain man ko manglaba kay ako mang pangko.oton ang bulsa naa bay mga papel or tissue kay magkalat-kalat nyas washing machine, pag ko-ot nako naa may necklace, kaengun rapod kog bling bling, sa tanto nakong tan.aw maela raman ang tinoud or fake, mura mag tinuod, sa akong pagka diskompyado akong gi pa appraise sa Palawan pawnshop, niana nga 87 grams dayong 18 Karats, niana ko na pila poy prenda ani nya niana nga 93,700 sir,.. Hehe, murag na swertehan ko da sa jacket na tag 180. Nya pag post nako naa may ni ingun na gamay ra ang dawats Palawan, akong gisulayan sa Cebuana, medyo dako dako na ilang dawat, Perte dako.a jud. Hahaha Praise to God.

Sa ngayon ipinapasalamat na lamang ni Alvin ang kanyang swerteng natanggap, marahil kaloob na rin ito ng panginoon sa kanya. {via}

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