All Articles With Category : Government Services

The latest and the best financial news, tips and tricks.

Everything You Need to Know About the PhilSys National ID

The national ID system is in the news again, with calls for fast-tracking its implementation in the Philippines. Had the PhilSys been implemented sooner, delays in the distribution of government aid during the coronavirus pandemic could have been avoided, according to some senators and even the president[1]. As the government is seeing the importance of the PhilSys ID, so should you. Registration will open to the public in the last quarter of 2020. Before it starts, it’s good to be informed about what PhilSys is, what you’ll get from it, and how to get a PhilSys identification card. Table of ContentsWhat is PhilSys?What is a National ID?Who is Eligible for a PhilSys ID?PhilSys ID FeaturesPhilSys NumberPersonal Information Collected Under PhilSysBiometric Data Captured Under PhilSysSecurity FeaturesPhilSys ID ValidityPhilSys ID FeeBenefits and Uses of a National IDWhy Should You Get a PhilSys ID?What is the PhilID Used For?Is the National ID Available Now in the Philippines?How to Get a PhilSys IDPhilSys National ID RequirementsWhere to Apply for PhilSys IDPhilSys ID Registration StepsFinal Thoughts What is PhilSys? The Philippine Identification System (PhilSys), also called the national ID system[2], is the central identification platform of the government for all citizens and foreign residents in the Philippines. It’s established under the Philippine Identification System Act or Republic Act 11055[3]. The concept behind PhilSys is simple: “It will only answer ‘Who are you?’ and ‘Are you who you really say you are?’” This is according to the Philippine Statistics Authority (PSA), the national ID system’s chief implementor. What is a National ID? The Philippine Identification Card or…

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Business Permit Application Guide for First-Time Entrepreneurs

Opening a new business soon? A critical task you should make time for is your business permit application. This document is your proof that you can legally operate in the city or town where your business is located—whether it’s a physical store, a courier service, an online shop, or any enterprise. Read More: How to Register Your Online Business and Pay Taxes to BIR So you can set up your business without fuss, know how to apply for a business permit properly. Here’s a simple guide for first-time business owners in the Philippines. Table of ContentsWhat is a Business Permit?3 Things to Know Before Filing Your Business Permit Application1. Apply for one ASAP2. You Should Secure Other Documents FirstBusiness Permit Requirements3. The Application is Typically Done in PersonHow to Apply for a Business Permit in the PhilippinesFinal Thoughts What is a Business Permit? A business permit is a certification that your business is legitimate. Having this document means your business has the license to operate in the city or municipality where it’s registered. This official document is also called the mayor’s permit because it’s processed by the local government unit (LGU) with jurisdiction over the place of business. Business permits are issued to ensure that businesses pay taxes and comply with local regulations for safety, security, health, and sanitation. This document also entitles an individual or organization to any support provided by LGUs to businesses in their area. Running an enterprise without this permit can result in penalties such as fines and imprisonment. In worst cases, the LGU may close the…

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How to Make Voluntary Contributions to Pag-IBIG, PhilHealth, and SSS

Did you resign from your job to become a full-time freelancer, OFW, or a business owner? Paying your Pag-IBIG, PhilHealth, and SSS contributions is no longer your former employer’s responsibility—you have to do voluntary contribution from now on. It’s important to continue your contribution payments with these government offices as a voluntary member. You can avail of a personal loan or housing loan, benefits (such as sickness, maternity, and retirement benefits), and health insurance—only if you meet the required minimum number of contributions. Here are the things you need to do if you’re planning to continue your voluntary contribution to Pag-IBIG, PhilHealth, and SSS. Table of ContentsHow to Update Your Membership Records for Voluntary ContributionHow to Change Your Pag-IBIG Membership InformationHow to Update Your PhilHealth Member Data RecordHow to Change Your SSS Membership TypeHow Much is My Voluntary Contribution?Pag-IBIG Voluntary Contribution RatesSSS Voluntary Contribution RatesWhere to Pay Your Pag-IBIG, PhilHealth, and SSS ContributionsPag-IBIG Voluntary Contribution Payment Facilities PhilHealth Voluntary Contribution Payment FacilitiesSSS Voluntary Contribution Payment FacilitiesVoluntary Contributions OnlineHow to Pay PhilHealth OnlineHow to Pay Pag-IBIG OnlineHow to Pay SSS OnlineWhen to Pay Your Voluntary ContributionPag-IBIG Voluntary Contribution Payment DeadlinesPhilHealth Voluntary Contribution Payment DeadlinesSSS Voluntary Contribution Payment DeadlinesFinal Thoughts How to Update Your Membership Records for Voluntary Contribution Before you can start remitting your voluntary contribution, you need to update your membership status with Pag-IBIG, PhilHealth, and SSS from employed to self-employed or OFW. It involves going to each of the government agency’s branch and filling out a form. You may be also required to present supporting documents. How to Change Your…

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SSS Unemployment Benefits: Cash Benefit for SSS Members

Getting laid off from work is undoubtedly one of the most traumatic things to experience in one’s career. Aside from the pain of rejection, a terminated employee has to deal with the challenges that come with the sudden loss of income. There are bills to pay, mouths to feed, and other financial responsibilities that won’t go away. Government employees enjoy unemployment benefits from the GSIS, which protect them from the financial impact of involuntary separation from the service. Private employees now have a reprieve as well through unemployment insurance mandated by the newly enacted Republic Act 11199 or Social Security Act of 2018[1]. Qualified SSS members are entitled to unemployment benefits that help ease their financial burden while they’re looking for a new job. Even if you think your chances of getting terminated from work are slim, it’s important to know what the unemployment insurance provision means. Read More: A Guide to Separation Pay in the Philippines Table of ContentsWhat is the SSS Unemployment Benefits Program?Who can apply for SSS Unemployment Benefits?Who can’t apply for SSS Unemployment Benefits?SSS Unemployment Benefits RequirementsHow do I apply for SSS Unemployment Benefits?How to check the status of my application?How can SSS afford this program?Final Thoughts What is the SSS Unemployment Benefits Program? The SSS Unemployment Benefits program provides cash assistance to involuntarily separated employees, including household employees and overseas Filipino workers. The cash grant is worth 50% of the member’s average monthly salary credit (MSC). The program will last for only two months, which means members can only receive them once every three years. This cash…

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Unemployment Benefits and Other COVID-19 Government Assistance Schemes

Infected or not, Filipinos are grappling with the impact of the coronavirus disease 2019 (COVID-19) pandemic in one way or another. Suddenly, the public health crisis disrupted the lives of many—from simple inconveniences like getting stuck in one’s home to more serious problems like the increased risk of coronavirus infection and loss of income. The national government declared an enhanced community quarantine all over Luzon, and some local governments in other parts of the Philippines followed suit. To help Filipinos recover from the loss of economic opportunities due to the lockdown, the government has started to provide unemployment benefits, financial aid, and other forms of assistance. We compiled them into one place, so you know which ones you can benefit from. Know if you are at risk for COVID-19 with our COVID-19 Self Assessment tool. Click here. Table of Contents: DOH Free Medical Consultation PhilHealth Coverage for COVID-19 Patients SSS Unemployment Benefits DOLE Cash Assistance (CAMP) DOLE TUPAD Program Cash Aid and Repatriation for OFWs DSWD Cash Aid for Low-Income Families SSS Salary Loan SSS and GSIS Calamity Loans Pag-IBIG Multi-Purpose and Calamity Loans SSS Contribution Remittance Deadline Extension Pag-IBIG Loan Payments Moratorium Income Tax Filing Extension Table of ContentsCOVID-19 Government Assistance for FilipinosFree Medical ConsultationPhilHealth Coverage for COVID-19 PatientsUnemployment Benefits for Affected WorkersSSS Unemployment BenefitDOLE CAMP: P5,000 Cash Aid for Local WorkersTemporary Jobs for Informal Workers$200 Cash Aid and Repatriation for OFWsCOVID-19 Emergency Assistance for FilipinosP5,000 to P8,000 Cash Aid for Low-Income FamiliesSSS Salary LoanSSS and GSIS Calamity LoansPag-IBIG Multi-Purpose and Calamity LoansPayment Deadline ExtensionsSSS Contribution Remittance Deadline ExtensionMoratorium on SSS…

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Quick Guide to Applying for an SSS Salary Loan Online

The enhanced quarantine currently placed over the entire Luzon area will certainly affect everyone’s finances for a while. Good thing applying for an SSS salary loan got a lot easier than it used to be. Thanks to a more developed online system, SSS members can easily apply for loans from the comfort of their homes. SSS members can apply for an SSS salary loan equivalent to one month’s worth of salary. You just need to make at least 36 months total contributions and 6 months of contributions in the last twelve months. You can also apply for a two-month salary loan, but you should have at least 72 months of posted contributions and 6 months of contributions in the last twelve months. Table of ContentsSSS Salary Loan RequirementsSSS Salary Loan for OFWsSSS Salary Loan Online ApplicationHow to Pay for Your SSS Salary LoanFinal Thoughts SSS Salary Loan Requirements As far as document requirements are needed, employed SSS members need to prepare the following: An SSS digitized ID or E-6 2 valid photo IDs[1] An SSS online membership SSS Salary Loan for OFWs OFW members can apply for salary loans at SSS Foreign Representative Offices within their current area. If unavailable, the OFW member can designate a representative to submit their application and documents in the Philippines. Note that original copies of supporting documents must be provided on the application. Authorized representative’s SSS card or two valid photo IDs with signature A Letter of Authority signed by both the OFW borrower and authorized representative OFW’s SSS card or two valid photo IDs…

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What is a Solo Parent ID and How Can I Get One?

This article was published on June 29, 2018 and was updated on March 13, 2020. There are over 20 million solo parents in the Philippines. With a growth rate of 30.5% from last year, the Federation of Solo Parents expects the population to upsurge this year. There are many reasons for being a solo parent—some unfortunate, some touching. Whatever the reason is, it is important to recognize the efforts of such parents. Fortunately, the government has enacted laws to do just that. One of them is the Solo Parent ID. What is it and how can it benefit solo parents like you? Read on below to find out. Table of ContentsWhat is a Solo Parent ID?Who Can Apply for a Solo Parent ID?Solo Parent ID Requirements1. Barangay certificate2. Proof of financial status3. Supporting documents/certificates4. Birth certificate/s of your child/children5. Filled up Solo Parent ID application formSolo Parent ID Application ProcessValidity of Solo Parent IDBenefits of Having a Solo Parent ID1. Parental leave2. Flexible work schedule 3. No work discrimination4. Additional support and assistance, if applicableFinal Thoughts What is a Solo Parent ID? A Solo Parent ID is a government-enforced ID for solo or single parents in the Philippines. Solo parents who carry such ID can enjoy certain government discounts and benefits. Who Can Apply for a Solo Parent ID? Any single parent in the Philippines can apply for a Solo Parent ID. According to Republic Act No. 8972 [1] or the Solo Parents’ Welfare Act of 2000, a single parent is: 1. A woman who gives birth as a result…

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How to Get a TIN ID in the Philippines: A Complete Guide

Being a taxpayer means being a responsible member of society. Part of adulting is to understand the importance of contributing a portion of your earnings for the betterment of the Philippines as a whole. As proof that you are a taxpayer, you can request for a Tax Identification Number (TIN) ID from your nearest Bureau of Internal Revenue (BIR) branch. How to get a TIN ID, you ask? It’s not as difficult as you think. Sure, the process can get tricky with all the forms you have to remember. Not to mention, the card itself isn’t as necessary as other IDs out there. But if you need a valid ID that you can easily get within the day, then you should start with this one. Here are the steps on how to get your TIN ID. Table of ContentsGeneral TIN ID RequirementsHow to Get TIN ID for New EmployeesHow to Get TIN ID for UnemployedHow to Get TIN ID for Existing TaxpayersHow to Replace Lost TIN IDFinal Thoughts General TIN ID Requirements Before you continue to the steps on how to get a TIN ID, you need to prepare the following TIN ID requirements[1]. You need to prepare these, especially if it’s your first time registering as a taxpayer. Note that your TIN ID application is free. Accomplished BIR Tax Form[2] (either 1902 or 1904) One valid ID PSA-issued birth certificate Community tax certificate 1×1 picture (if applicable) Marriage contract (if applicable) Read more:  What Happens If I Don’t Pay My Taxes? Inheriting Property? Learn About Estate Tax in the…

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Simple Steps to Applying for a Pag-IBIG Loyalty Card

If you’re looking for a new rewards card that will reap you the most discounts, try checking out the Pag-IBIG Loyalty Card. With this card, you can claim discounts and rewards from commercial establishments like restaurants, schools, and pharmacies, among others. Don’t have one? Here are the things you need to know before applying for one. Table of ContentsWhat is a Pag-IBIG Loyalty Card?Why You Should Get a Pag-IBIG Loyalty CardCash Card FunctionalityAffordable Valid ID for LifeDiscounts and BenefitsHow to Get a Pag-IBIG Loyalty CardPag-IBIG Loyalty Card RequirementsPag-IBIG Loyalty Card Benefits and DiscountsHealth and Medication DiscountsEducation Benefits and DiscountsFood and Restaurant DiscountsShopping Discounts and BenefitsBeauty and Wellness DiscountsTravel and Accommodation DiscountsOther Discounted ServicesFinal Thoughts What is a Pag-IBIG Loyalty Card? Pag-IBIG first launched their loyalty program in 2014 as a way to maximize the value of the working Filipino’s Pag-IBIG membership. The government agency partnered with different establishments to offer exclusive discounts and perks to Pag-IBIG members nationwide. That’s why the membership grew from 8.8 million in 2010 to 14.8 million in 2014[1]. Indeed, the Pag-IBIG Loyalty Card became more than just an ID. In a developing country like the Philippines, it offered considerable financial assistance to citizens who want the best value for their money. And in late 2019[2], Pag-IBIG improved on it and gave it a whole new purpose. They introduced the Pag-IBIG Loyalty Card Plus, the agency’s very own cash card. “The new and improved Pag-IBIG Loyalty Card Plus can now be used as a cash card where borrowers can receive the proceeds of their multi-purpose loans,…

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NBI Renewal Guide: How to Renew Your NBI Clearance in 2020

A National Bureau of Investigation (NBI) Clearance has plenty of uses in the Philippines. This simple piece of blue paper is often a requirement for job and visa applications. It’s also honored as a valid ID for postal ID application, voter’s registration, and DTI business name registration. Regardless of what you’ll use this clearance for, you need to have yours renewed if it’s already expired or about to expire. Read More: NBI Clearance Online Application: A Simple Step-by-Step Guide . Read on to find out more about how you can renew your NBI Clearance the easiest way possible. Table of ContentsRequirements for NBI RenewalNBI Renewal Online Process in the Philippines1. NBI Clearance Quick Renewal Service2. Regular NBI Renewal ProcessFrequently Asked Questions About NBI Renewal1. Is walk-in allowed in NBI Clearance renewal?2. How much is the NBI renewal fee?3. Where can I pay for the NBI renewal fee?4. Can I submit a Barangay Clearance for NBI renewal?5. How can I apply for NBI Clearance renewal if I lost my old copy?6. The system says my NBI ID number can’t be found. What should I do?7. How can OFWs renew NBI Clearance abroad?8. How can foreigners in the Philippines apply for NBI renewal?Final Thoughts Requirements for NBI Renewal The requirements for renewal depends on the year the NBI clearance is issued. If you got your latest NBI Clearance only recently (from 2014 to present), only one valid government-issued ID is required. However, you’ll have to surrender the copy of your most recently issued NBI Clearance. The NBI website (1) lists down the…

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Complete List of LTO Branches in Metro Manila

You’re probably familiar of the Land Transportation Office or LTO. Branched under the Department of Transportation and Communication, LTO is the agency responsible for all forms of land transport, along with the implementation of transportation laws, rules, and regulations. This is also where car owners register their vehicles and where drivers can apply for and renew their licenses. In addition, the LTO files and handles complaints made against other motor vehicle owners and operators in the Philippines. Since the LTO handles numerous transactions everyday, the agency decided to put up branches on multiple cities nationwide. If you need to process a complaint or renew your driver’s license, below is a list of LTO branches in Metro Manila to go to. Table of ContentsLTO Branches in Metro ManilaLTO NavotasLTO MandaluyongLTO National Capital Region (NCR)LTO MalabonLTO Las PiñasLTO MakatiLTO La LomaLTO DilimanLTO San JuanLTO Camp AguinaldoLTO CubaoLTO ManilaLTO in Robinson’s MallsNew List of Provincial LTO Branches:Final ThoughtsGet a Free Car Insurance Quote! LTO Branches in Metro Manila LTO Navotas Address: Gen. Gas Plant Bldg., Fishport Complex, North Bay, Navotas City Contact Number: (02) – 8283-3510 Director: Arnaldo O. Oliveros Located within the Fishport Complex, the Navotas district office of the LTO is where most truck operators and drivers typically head to. If this happens to be the branch closest to you, expect plenty of people on any given day. LTO Mandaluyong Location: 121 Shaw Boulevard, Mandaluyong City Director: Noel D. Batolina Contact Number: (02) 8532-2726 This satellite office happens to be in the middle of Shaw, so expect traffic from this side of the metro. Like…

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MMDA Violations and Penalties Motorists Must Know About

This article was published on April 16, 2015 and was updated on November 15, 2019. Everyone who drives tries their best not to violate any traffic rule—that’s a fact. However, there are moments when you’ll find yourself fined for an MMDA traffic violation, and “I didn’t know” is definitely not something you can say to get out of it. If you’re wondering what violations you can incur and the fines that come with them, here are the MMDA traffic violations and penalties you should be aware of. Table of ContentsLicense-Based Violations and PenaltiesLicense Plate and Registration-Based Violations and PenaltiesDriving Violations and PenaltiesPenalties for Improper Driver Behavior and Conduct License-Based Violations and Penalties These violations usually involve your driver’s license—any misuse, failure to carry it while driving, or failure to renew it. Read more: LTO Student Permit Application Guide for First-Time Drivers License Plate and Registration-Based Violations and Penalties These violations involve the license plates issued to the driver upon registration, as well as those related to your vehicle registration. Read more: Complete Guide to Car Registration and Renewal in the Philippines LTO License Plate Updates and Rules Car Owners Must Know Driving Violations and Penalties These violations are among the most committed by Pinoy drivers in general. They involve disregarding driving laws, traffic signs, and traffic rules that endanger the safety of the driver, passengers, and other motorists on the road. Take note of the MMDA traffic violations and penalties below. Read more:  7 Dos and Don’ts to Remember When Your Car Gets Towed Number Coding Guide for Filipino Motorists…

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Getting Married in the Philippines? Here’s What Couples Must Do

Marriage isn’t something people do on a whim. Just as you don’t marry someone you met only yesterday, you don’t get married without being legally ready. Getting married in the Philippines won’t be an easy ride, what with the many requirements (such as marriage contract and license) soon-to-weds have to take care of. It’s far from the typical Las Vegas weddings where couples get hitched on the spur of the moment. But that doesn’t mean you shouldn’t get married. Of course, you want your union to become legal and official. The point is, before you tie the knot, you have to be ready for all the paperwork it entails. Your dream wedding won’t become a reality if you lack even just one requirement. Here’s everything Filipino or foreign couples need to know before getting married, whether in civil or church rites, in the Philippines. Table of ContentsWho Can Get Married in the Philippines?How to Get Married in the Philippines in 8 StepsStep 1: Get Your NSO Birth CertificatesStep 2: Request a CENOMARStep 3: Get a CedulaStep 4: Apply for a Marriage LicenseStep 5: Book an OfficiantStep 6: Invite Your WitnessesStep 7: Get MarriedStep 8: Get Your Marriage CertificateFAQs on Getting Married in the Philippines1. What is the difference between a marriage license, a marriage contract, and a marriage certificate?2. Can we get married in a different place from where we got our marriage license?3. Can two foreigners get married in the Philippines?4. How can a foreigner get married in the Philippines?5. Can you get married without a marriage license in…

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Pag-IBIG MP2 vs. SSS PESO Fund: Which is the Better Savings Program for You?

Choosing between the Pag-IBIG MP2 and SSS PESO Fund to start saving money? Learn about their similarities and differences to come up with a wise decision. To encourage their members to save and earn additional income, the Pag-IBIG Fund and SSS offer their respective voluntary savings schemes, the Modified Pag-IBIG II (MP2) Program and the Personal Equity and Savings Option (PESO) Fund. Both government savings programs are attractive options for Filipinos who don’t have much to save and don’t want to invest in riskier instruments such as stocks and mutual funds. Table of ContentsCommon Features of Pag-IBIG MP2 Program and SSS PESO Fund Program Pag-IBIG MP2 vs. SSS PESO Fund Minimum and Maximum InvestmentsPag-IBIG MP2 vs. SSS PESO Fund Interest RatesPag-IBIG MP2 vs. SSS PESO Fund Maturity PeriodPag-IBIG MP2 WithdrawalSSS PESO Fund WithdrawalPag-IBIG MP2 vs SSS PESO Fund EnrollmentPag-IBIG MP2 Requirements for EnrollmentSSS PESO Fund Requirements for EnrollmentPag-IBIG MP2 Enrollment ProceduresSSS PESO Fund Enrollment ProceduresPag-IBIG MP2 vs SSS PESO Fund Payment ModesPag-IBIG MP2 Mode of PaymentPayment Channels for MP2 ContributionsSSS PESO Fund Mode of PaymentWhich is Better: Pag-IBIG MP2 or SSS PESO Fund?Final Thoughts Common Features of Pag-IBIG MP2 Program and SSS PESO Fund Program  Before we flesh out the differences between the two government savings schemes, let’s take a look at the features that are common to both: Optional savings programs Tax-free Guaranteed by the Philippine government (meaning you won’t lose your savings) Open to all regular Pag-IBIG and SSS members, whether OFWs or local workers Higher interest rates than bank rates (savings accounts and time deposits) Monthly payments not required; no penalty…

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Postal ID Application in the Philippines: Everything You Need to Know

Got rejected for a bank or government service because you lack a valid ID? Don’t worry. There’s a quick and convenient way to get a valid ID: apply for a postal ID issued by Philippine Postal Corporation (PHLPost). The government has not yet started issuing the national identification card, and the Comelec has stopped issuing new voter’s IDs to give way to the new national ID system. So for now, a postal ID application may be the only option you have to complete your requirements for any bank or government transaction. Here’s everything you need to know about postal ID application in the Philippines. Table of ContentsWhat is a Postal ID Used For?Is Postal ID a Valid ID?Who Can Apply for a Postal ID?Postal ID Application RequirementsPostal ID Application Requirements for FilipinosPostal ID Application Requirements for Foreign Residents in the PhilippinesHow to Apply for a Postal IDCan I Get a Postal ID Online?Postal ID Application StepsRush Postal ID ProcessingHow Long Does It Take to Get Postal ID?How Much is the Postal ID Fee?How Long is the Postal ID Validity?How to Renew a Postal IDHow to Avail of the Postal ID Privilege ProgramFinal Thoughts What is a Postal ID Used For? A postal ID card is the most widely accepted identification document in postal transactions all over the world, according to the Universal Postal Union. In the Philippines, the postal ID was originally issued to ensure correct delivery of letters and parcels. Postmen used the ID to verify a recipient’s identity and address. Is Postal ID a Valid ID? Yes, the postal…

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Quick Guide to to DFA Passport Appointment, Application, and Renewal

A Philippine passport is your ticket to the world. It’s the most important document you’ll need if you wish to study, work, or travel overseas. It’s also a powerful identification card that you can use in private- and government-related transactions. However, getting or renewing a Philippine passport through the Department of Foreign Affairs (DFA) can be tricky. DFA passport appointment slots are limited. Securing an appointment now feels like winning the lottery due to the shortage of slots in the online scheduling system. But a passport is a passport and we all need it to go overseas. Lessen the stress of getting a Philippine passport with our quick and easy guide. Table of Contents1. Schedule a DFA Passport Appointment OnlineHow to Make a Passport Appointment OnlineThings to Remember Before Scheduling Your DFA Passport Appointment2. Pay the Passport Processing FeeThings to Remember Before Paying the Passport Fee3. Prepare the Passport RequirementsValid ID (original and photocopy)Birth Certificate (original and photocopy)Supporting Documents4. Show Up on Your DFA Passport Appointment ScheduleDFA Passport Application/Renewal Steps5. Claim Your Passport and Wait for DeliveryFAQs on DFA Passport Appointment, Application, and Renewal1. Can I cancel or reschedule my appointment?2. Do I still need to book an appointment if I get my passport through a travel agency?3. How do I renew my passport?4. Is NBI clearance accepted as a valid ID for passport application?5. When will my passport arrive?6. How long can I use my passport?Final Thoughts 1. Schedule a DFA Passport Appointment Online All Philippine passport applicants—whether for new application or renewal—must book an appointment with the DFA…

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SSS Pension Computation: How Much Will You Receive When You Retire?

It’s better to just set things straight away: the pension you’ll receive from SSS won’t be enough to fund your retirement plan. As early as now, you should be investing in a retirement savings plan to provide your future self enough money to continue living beyond 60 years. Having said that, you should still learn how to compute your SSS pension since it will become a consistent source of income when you’re past your prime. The amount you’ll receive may not be ideal for an extravagant lifestyle, but it’s better than not having a fallback. And with the recent passing of RA 11199 or the Social Security Act of 2018, SSS increased the monthly contribution by 12% to provide better pension and benefits for SSS members. “It is high time to adjust the contribution rates and monthly salary credits of SSS to allow members to save more for their retirement,” SSS OIC Aurora C. Ignacio said in a statement[1]. How will the recent contribution hike affect your SSS pension in the future? Prepare your calculators and start planning the future with this helpful SSS pension computation guide. Table of ContentsHow SSS Pension is ComputedManual SSS Pension ComputationOnline SSS Pension CalculatorQualifications for SSS Retirement BenefitsHow You Will Receive Your SSS PensionReceive More Than Your SSS PensionFinal Thoughts How SSS Pension is Computed Manual SSS Pension Computation The amount of your pension will depend largely on your paid contributions, your number of active years as an SSS member, and the number of dependent minor children you have. Retirees are entitled to an…

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DTI Business Registration Guide for Entrepreneurs in the Philippines

What’s in a name? In a business, it means a lot. Your business name is your company’s branding, so it should catch attention and can be easily recalled. Aside from spending time coming up with a name for your new business, you also need to register it with the Department of Trade and Industry (DTI), if you’re a sole proprietor. Table of ContentsWhy You Need to Register Your Business Name with DTIWho Can Apply for DTI Business Registration?Tips on Choosing Your Business NameDTI Business Registration RequirementsHow to Register Your Business Name with DTIOnline Application for DTI Business RegistrationWalk-in / Over-the-Counter Application for DTI Business RegistrationFinal Thoughts Why You Need to Register Your Business Name with DTI Business name registration is required in the Philippines. According to the Business Name Law (Republic Act 3883), it’s illegal for anyone to use any name for a business other than the owner’s true name without first registering the business name with the DTI. In short, securing your trade name will guarantee you the legal and exclusive right to use it within its validity period (renewable every five years). This means no other business can register or use your business name in the barangay, city or municipality, region, or country, depending on your business location coverage. However, note that business name registration with the DTI is only for sole proprietors and not a license to run a business (You’ll need to secure a business permit and other related documents for that purpose). Lucky for you, we’ve prepared a guide to DTI business registration in the…

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How to Get an OFW e-Card: Guide to OFW ID Card Application

With the launch of the new OFW ID card (called the OFW e-CARD) in November 2018, the horror of getting an Overseas Employment Certificate (OEC) might just soon be over for OFWs. Filipinos working abroad can also expect smoother and faster transactions with different government agencies. Interested in getting an OFW e-CARD? Let this simple guide help you in your application process. Table of ContentsWhat is OFW e-CARD?What are the Benefits of OFW e-Card?Who Can Get an OWWA OFW ID?How to Get OFW ID CardOFW e-Card Online Application StepsHow to Track OFW e-Card Delivery StatusFinal Thoughts What is OFW e-CARD? The OFW e-CARD is a new identification card that serves as a proof of membership to the Overseas Workers Welfare Administration (OWWA) and an OEC for OFWs. It replaces the previously issued iDOLE OFW ID card, which was controversial for its confusing guidelines[1] and bearing a photo of President Rodrigo Duterte. OFWs can use their e-CARD to avail of OWWA programs and services. Simply present the ID card at the OWWA Regional Welfare Office, Philippine Overseas Labor Office (POLO), Department of Foreign Affairs, Philippine Overseas Employment Administration (POEA), Bureau of Immigration, and Philippine embassies or consulates in their respective countries of employment. What are the Benefits of OFW e-Card? Having the new OFW ID card will make life easier for Filipinos working abroad. Here are OFW e-CARD benefits to expect: Easier access to OWWA programs and services such as social benefits, training programs, and scholarships with fewer documentary requirements Serves as an OEC or exit clearance at the airport, proving the owner’s legal…

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P2P Schedule and Routes from Provinces to Metro Manila

Traveling daily from the nearby provinces of Metro Manila is so frustrating, to say the least. It takes you two to three hours at best, or four to five hours at worst (which happens more often), to get to any of the main business districts in the metro like Ortigas, Makati, and BGC. Heck, it’s even faster to fly to Davao or even to Hong Kong than crawl the expressways and EDSA every single day to Metro Manila. Can you relate? You can heave a sigh of relief, as you have an alternative. Commuting warriors from Bulacan, Cavite, Pampanga, Laguna, and Rizal—listen up! There are P2P bus services that will take you from your area to Metro Manila and vice versa. Let this guide to P2P schedule and routes for buses to and from Metro Manila’s nearby provinces help you plan your daily trips. Table of ContentsP2P Bus Routes to and from ProvincesP2P Provincial Bus Schedule and Fare Guide1. Alabang – Bacoor2. Alabang – Dasmariñas3. Antipolo – Makati4. Antipolo – Ortigas5. Bacoor – Makati6. Bocaue/Sta. Maria – North EDSA7. Cainta – Makati8. Clark – NAIA9. Clark – North EDSA10. Dasmariñas – Makati11. Imus – Makati12. Malolos – North EDSA13. NAIA – Sta. Rosa14. Noveleta – Makati15. Ortigas – Clark16. Sta. Rosa – MakatiFinal Thoughts P2P Bus Routes to and from Provinces As of February 2019, 16 P2P bus routes service passengers from the provinces north, east, and south of Metro Manila: Alabang – Bacoor Alabang – Dasmariñas Antipolo – Makati Antipolo – Ortigas Bacoor – Makati Bocaue/Sta. Maria – North…

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