All Articles With Category : Government Services

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

Here’s How You Can Claim a Confiscated Driver’s License

There are certain major violations that can result in your license being confiscated. Remember that the only people who can take your license are duly deputized by the Land Transportation Office. They should properly identify themselves and give you a ticket clearly describing your violation. Read More: Who Can Actually Confiscate Your Driver’s License? Reclaiming your license and paying the fines listed for your violation should be done within five working days to avoid penalties. Here’s how to do it. Table of ContentsStep 1: Head to the enforcement officeStep 2: Pay the fineStep 3: DifferencesStep 4: Claiming Step 1: Head to the enforcement office The citation issued to you will have the location of the enforcement office where you can claim your license. In the case of your license being confiscated by local government enforcement officers, you will need to head for the office stated on the ticket. For example, violations in Manila means that you need to go to Manila City Hall to settle the penalties. If your license is confiscated by LTO deputized traffic officials, head to the district office, or in the case of violations on the major highways, to the LTO main office in East Ave., Quezon City. Step 2: Pay the fine The procedure differs depending on which enforcement agency confiscated your license. For the LTO, you will be given a resolution document that must be presented along with the citation. Present these to the cashier so you can pay the fine and other fees. For licenses confiscated by local government enforcers, present the ticket at…

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LTO’s New “No Registration – No Travel” Policy

You’ve probably seen a lot of cars without license plates, or with boards that simply say “For Registration”. Starting April 1, the Land Transportation Office will be enforcing a “No Registration – No Travel” policy in conjunction with R.A. 4136, Joint Administrative Order No. 2014-01. Starting April 1, the Land Transportation Office will be enforcing a “No Registration – No Travel” policy in conjunction with R.A. 4136, Joint Administrative Order No. 2014-01. Read more: The Anti-Drunk and Drugged Driving Act According to this, any four-wheeled vehicle without its license plates can be stopped and will be required to present the vehicle’s Certificate of Registration and Official Receipt. The same is true if special plates are ordered. Strict penalties will be imposed on anyone found driving a vehicle without plates – ranging from PHP 5,000 for those who have completed their registration but haven’t attached their plates. A penalty of PHP 10,000 will be imposed on a driver who fails to produce the CR/OR – or the following documents: • Certificate of stock reported • Sales Invoice, dated seven days prior to apprehension • Certificate of Insurance Cover, dated on or after the date of the Sales Invoice. A further PHP 1,000 fine will be imposed on the driver for reckless driving. While the original enforcement of this was meant to be in November of 2014, LTO Secretary Jun Abaya stated that the reason for the delay in the policy’s enforcement was the lack of license plates being issued to the public. The agency plans on enforcing it to the letter, and…

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UMID Card (Unified Multi-Purpose ID Card) Application

These days, integration into a single system is a trend. It matters to a lot of people that they have a single ID available to them at any given time. Plenty of websites for example, include single sign-in or sign-up processes via Facebook integration or Google+. By the same token, the Philippine government has essentially attempted to integrate a member’s SSS, GSIS, Pag-Ibig, and PhilHealth information onto a single card in the form of the UMID Card. Read more: Philippine International Driving Permit Application Table of ContentsWhat is a UMID?Benefits of Getting a UMID CardUMID Application ProcessClaiming Your UMID Card What is a UMID? UMID means Unified Multi-purpose Identification and often called UMID Card. It is a government-issued ID card that lets you transact in four government agencies, namely: SSS, GSIS, PhilHealth and Pag-IBIG. It is considered as a primary ID document when applying for other government-issued documents or seeking approval for financial products such as applying for a credit card, getting a personal loan or being issued of any insurance product. Benefits of Getting a UMID Card Having a unified ID poses many benefits, one of which is being able to easily transact with all four government offices. The UMID also serves as a valid ID, but does not count as four IDs. It is also reportedly a valid voter’s ID, but it is entirely possible that this function has yet to be implemented. It also functions as a pass for certain transactions, depending on whether or not you are a member of the GSIS and SSS, along with the ability to apply for…

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Who Can Actually Confiscate Your Driver’s License?

James Deakin pointed out in his blog article the issue of contradicting laws in the Philippines when it comes to the confiscation of a motorist’s driver’s license. Have you ever encountered being asked to surrender your license without violating any traffic offense? Here’s what you need to know: Your driver’s license is kind of a general gateway ID. It’s an official government ID, and the only document that allows you to drive within the state boundary. By the same token, it also means that you are considered responsible enough to drive. RA 4136 – or the Land Transportation and Traffic Code – generally states that all drivers must carry their driver’s license at all times when operating a motor vehicle. One cannot operate a motor vehicle without first acquiring a license. (See this application guide if you still do not have one.) In situations where your license may be confiscated or held, it pays to know who can and can’t take it from you. Who can and can’t take it? In general, anyone duly deputized by the Land Transportation Office may confiscate your driver’s license providing that you have actually violated any number of traffic laws – like overspeeding, or parking in a no-parking zone, for example. The definition of “duly deputized” usually refers to officers of the law and the traffic enforcers of the Metro Manila Development Authority. However, a 1991 amendment to the law also makes provisions allowing local government officers (like MAPSA) to confiscate your license – again – if you are in violation of any traffic…

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Complete Guide to LTO Car Registration Renewal (INFOGRAPHIC)

Confused about when you actually need to renew your car registration or what to do when it’s time to renew? If you bought your car brand-new, then you may have gotten assistance from the car dealer to get a three-year registration for your new car. Once that expires, don’t forget to renew your car registration otherwise you may be subject to a costly fine. Use this handy infographic as your guide to about everything you need to know about the process of LTO car registration renewal. See also: LTO Car Registration and Renewal People who read this also liked: List of LTO Branches Drivers License Application & Renewal Requirements in the Philippines Philippine International Driving Permit Application

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MMDA on Holidays: Lanes, Free Airport Service, Truck Ban

Metropolitan Manila Development Authority (MMDA) implemented measures in preparation for the Holiday Season in Metro Manila. Table of ContentsNo ‘Christmas Lanes’Free Airport Shuttle ServiceWindow hours for trucks No ‘Christmas Lanes’ MMDA did not implement Christmas Lanes or alternate routes this year because of the major road projects in Metro Manila including some of the alternate routes. Last year, 17 alternative routes within Metro Manila are designated to be Christmas and Mabuhay lanes. Unfortunately, these lanes are not yet available as some are currently under repair. MMDA chairman Francis Tolentino said the agency is expecting high volumes of vehicular traffic because of the approximately 100 ongoing road repairs in Metro Manila. Most of them are even not due for completion until 2015. Tolentino said that road rehabilitations by DPWH is expected to suspend all road works and other operations on December 15 and will extend up to midnight of January 5, 2015. Biggest Roads under repair in Metro Manila: V. Mapa Street in Sta. Mesa Ninoy Aquino International Airport elevated expressway Skyway Stage 3 along South Super Highway in Manila Blumentritt Interceptor Project   Free Airport Shuttle Service MMDA launched a free bus shuttle service to airline passengers going to to the domestic airport terminals. Tolentino said the free shuttle service intends to dissuade the passengers from bringing their cars in going to the airport to help reduce the number of vehicles on the road during the holiday period. Tolentino said the MMDA airport shuttle service makes use of six buses – to include electric buses. The buses will pick-up passengers…

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4 Tips for OFWs About the Current Pag-IBIG Fund Law

Overseas Filipino Workers (OFWs) sacrifice a lot in order to give the families they left behind in the Philippines a better life. Thus, it is important that their hard-earned money is put to good use. One of the ways OFWs do this is by becoming a member of Pag-IBIG, a savings program managed by the national government. Before the Pag-IBIG Fund Law of 2009 was introduced, OFWs were not required to register as a Pag-IBIG member. Those who wanted to join applied voluntarily through the Pag-IBIG Overseas Program (POP). This program was initiated to give OFWs an opportunity to save for their future as well as to provide them a chance to avail of housing loans. But with the new law requiring OFWs to become a member of the Pag-IBIG Fund, how will it affect the membership of OFWs who applied under POP or the current Pag-IBIG Fund? What will happen to the contributions under POP? Will it be combined with the OFWs current savings? Here are some of the things OFWs need to know about RA 9679: Table of Contents1. Republic Act 9679 of the Home Development Mutual Fund Law of 20092. POP Membership vs. Pag-IBIG I (RA 9679)3. Applying as a Member4. Membership ContributionHow about for those who have been contributing for POP?Benefits of being a Pag-IBIG member 1. Republic Act 9679 of the Home Development Mutual Fund Law of 2009 Known as the Pag-IBIG Fund Law of 2009, this aims to improve the Filipino quality of life by offering housing assistance for every member. Moreover, it also…

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Road Reblocking Weekend (October 17-20, 2014)

The Department of Public Works and Highways (DPWH) will continue on road reblocking and repairs starting 10 pm of October 17 until October 20, so avoid these areas: Araneta Avenue from Maria Clara Street to Quezon Avenue, 2nd lane (SB) Fairview Avenue from Fairlane Street to Camaro Street, 2nd lane (SB) Mindanao Avenue, 2nd lane (SB) E. Rodriguez Jr. Avenue / C-5 between Mercury Avenue and Richmond Avenue, 2nd lane (SB) C.P. Garcia Avenue, Quezon City, University Avenue to Maginhawa Street, 2nd lane (NB) Congressional Avenue (WB & EB) Congressional Avenue Extension, 2nd lane (WB & EB) Metro Manila Development Authority noted that all these affected roads will be fully-passable by 5am on Monday, October 20. Motorists are advised to use alternate routes instead.

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Manila Government Eyes ‘Truck Scheduling’ After Lifting Truck Ban

After lifting the controversial truck ban, the city council is studying another measure to regulate the travel of truckers in the city. According to Manila Vice Mayor Isko Moreno, the new policy would entail ‘truck scheduling’ in the city. As to when, Moreno said, “Soon.” Under the ‘truck scheduling’ scheme, only truckers with appropriate clearances and permits will be able to go to the port area. The current situation is that some truckers go to the Manila port even if their clearances had yet to be released, thus cause unnecessary traffic volume in the city. “Gusto ko pong linawin, ‘yun pong mga nakikita ninyong truck sa pier ngayon, hindi po lahat ‘yan may customer. Alam niyo hinihintay nila, nagbabakasakali sila na baka tawagan sila ng brokerage [firm],” he said, adding that truckers would wait up to five hours before leaving the port. Manila Mayor Joseph Estrada indefinitely lifts the day-time truck ban (Executive Order 67) during a press conference on Saturday, September 13. This is to ease the worsening traffic in the Metro, port congestion problem and among other concerns. While the ordinance got mixed reactions from motorists, agriculture sector and trucker groups, the implementation has benefited residents, students, employees, and commuters. However, Estrada said he decided to lift the truck ban to give the national government leeway in implementing a solution to decongest the port area. And also, granting the request of the business sector, particularly the truckers, for a moratorium on the truck ban to help solve the problem of congestion in Manila’s ports. Read more about the…

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Pag-IBIG Allots P9.5 Billion for its Calamity Loan Program for Earthquake, Yolanda Victims

After a 7.2 magnitude earthquake and super-typhoon Yolanda hit the Visayas region, the Home Development Mutual Fund (HDMF or Pag-IBIG) has made available close to P 10 billion for its calamity loan program for provinces in regions affected by those disasters. Pag-IBIG allotted P4.5 billion for the program after an earthquake hit Central Visayas last October 15. The agency also allotted another P5 billion for the program after Typhoon Yolanda hit Eastern Visayas last November 8. Pag-IBIG’s Calamity Loan Program for Victims of the Bohol Earthquake and Typhoon Yolanda Pag-IBIG’s calamity loan program is open to any member of the fund who has made at least 24 monthly savings contributions. They will be eligible for the loan if they live in an area declared as under a state of calamity. The eligible member can loan up to 80% of their savings in the fund. The loan has an interest rate of 5.95% per annum and is payable for over 24 months. Members need to submit a completed calamity loan application and two valid ID cards at any Pag-IBIG branch to apply for the loan. They have a window of 90 days from the disaster to apply for the loan. Pag-IBIG is giving those with loans a grace period of 3 months and the member who availed of the loan will start paying the loan on the 4th month after the check date. SunStar reported last November 28 that Pag-IBIG has already disbursed a total of P380.2 million worth of the loans to its members that were affected by the Bohol…

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Housing Loan and Advanced Pensions for Yolanda Victims

The Social Security System (SSS) announced a relief package for those affected by Typhoon Yolanda (international name Haiyan). Through the Calamity Relief Package of the SSS, members living in areas affected by the typhoon can avail of salary and housing repair loans that offer easier-to-pay terms. Affected pensioners can also avail of up to three months advanced pensions. Members of the retirement fund for private-sector employees are eligible for the Calamity Relief Package if they live in a calamity area officially declared by the National Disaster Risk Reduction and Management Council (NDRRMC). President Aquino declared a state of national calamity on November 11, 2013 or three days after typhoon Yolanda hit central Visayas. Prior to this, the last time that Aquino declared a state of national emergency was back in 2012 when Typhoon Pablo ravaged large areas in the southern Philippines. The November 26, 2013 situational report of the NDRRMC shows that the number of damaged houses increased to over 1.1 million houses. Of this figure, 530,479 were totally destroyed while 573,149 were partially destroyed. The figures highlight how many could benefit from the Calamity Relief Package by the SSS. “Under the calamity relief package, members and pensioners have six months to apply for Salary Loans and three-month advance pensions, and one year for the House Repair and Improvement Loans,” said SSS Vice President and Officer-in-Charge for Lending and Asset Management Division May Catherine Ciriaco. She adds that the policy will help members and pensioners focus on recovering from injuries and caring for affected relatives. Easier SSS Housing Loan and…

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