I encountered this while processing my home loan documents with UnionBank. Since my sister (who is my co-borrower) is working in Canada, I needed to sign all the bank documents in her behalf (unless she actually wants to fly back here in Manila). As a requirement, we had to submit a Consularized Special Power of Attorney.
Unlike a regular Special Power of Attorney (SPA) where you only need a lawyer to notarize the papers, the Consularized SPA needs to be brought to the Philippine Embassy in the country where the person involved is located. For our case, my sister went to the Philippine Embassy in Vancouver.
The process is quick and she was able to obtain the consularized SPA the same day. The SPA itself doesn’t need to be notarized, the officers inside the embassy will simply sign on it as witnesses, and is provided with a cover page with the consul’s signature and a red ribbon:
So, what do you need to bring when processing a Consularized Special Power of Attorney?
1. The SPA form itself. It doesn’t have to be notarized (rules may be different in other Philippine Embassies).
2. Your passport, and depending on rules of the Philippine Embassy in the country where you reside, you may need to bring an ID and additional documents. It is advisable that you call them first beforehand. You can go to ph.embassyinformation.com to lookup for contact information of Philippine Embassies worldwide.
Still wondering how to settle your credit card debt with your bank or banks? If you have more than one credit card and you want to consolidate your payments, you may need the help of the Credit Card Association of the Philippines (CCAP). Watch the video below for more information:
IDRPAre you financially distressed and buried in credit card debt due to the factors beyond your control? We’re here to help! The Credit Card Association of the Philippines, Bangko Sentral ng Pilipinas, and participating banks launched the Interbank Debt Relief Program. Watch this video to learn more about the program.
Basically, this Debt Relief Program allows credit card users to sustain paying the account and prevent further delinquency. “To enroll in the program, CCAP will review the debtor’s financial capacity. The repayment period is up to 10 years for “severe cases indebtedness” with a low rate of 1.5 percent per month or lower depending on the profile of the customer, debt to income ratio and completion of documents required for the program. The participating banks may also have the option to disapprove application for customers who misused and abused the credit facility granted by the banks, said CCAP.
Based on a statement, CCAP said that as part of the guidelines of the program, all existing credit cards of the customer will have to be blocked or cancelled upon enrolment of the accounts to the program.
Rebates and rewards earned will also be forfeited. “Additionally, customers cannot apply for new credit facility with the participating banks while the accounts under the IDRP are not yet fully settled.” – Source: http://www.ccap.net.ph/?p=632
CCAP presently includes as members Asia United Bank, Bank of Commerce, Bank of the Philippine Islands, Citibank, China Banking Corp., Eastwest Banking Corp., Equicom Savings Bank, HSBC, Maybank, Metrobank Card Corp., Philippine National Bank, RCBC Bankard, SB Cards Corp., Standard Chartered Bank, and Union Bank of the Philippines.
While processing his OEC, my brother and I have been going back and forth to Golden Horizon Agency in Novaliches this past few weeks. We were there five times, and for our first two trips, our Grab and Uber drivers were able to find the exact location. For our succeeding trips however, Waze is sending us to this location:
The above, as shown in Google Maps is incorrect. The correct location of Golden Horizon is:
It is just along Quirino Highway, fronting a vacant lot and is a few meters away from a Shell gas station. If you are coming from Commonwealth, turn left from from the LTO building, you will pass by a footbridge and the office shouldn’t be far from there.
As of November 2016, direct hiring of Filipino workers by a foreign employer is no longer allowed by the Philippine Government. You will need to seek the assistance of a POEA-accredited agency to process your Overseas Employment Certificate or OEC, unless you qualify under the below exemptions.
Per the advisory released by POEA dated April 26, 2018:
“Pursuant to DOLE Administrative Order No. 196, Series of 2018, in relation to Article 18 of the Labor Code of the Philippines (Ban on Direct Hiring], Republic Act10022, and the Revised Rules and Regulations Governing the Recruitment and Employment of Landbased Overseas Filipino Workers of 2016. while observing the fundamental principle of deployment of workers only to countries with certiﬁcation as compliant destination for our workers, the following guidelines shall govern the registration of Direct-Hire OFWs by this Administration.
No employer shall directly hire an overseas Filipino worker for overseas employment. The following, however, are exempted from the ban:
a. Members of the diplomatic corps; b. International organizations; c. Heads of state and government ofﬁcials with the rank of at least deputy minister; or d. Other employers as may be allowed by the Administration, such as:
Those provided in a., b., and c. above who bear a lesser rank, if endorsed by the Philippine Overseas Labor Office (POLO), or Head of Mission in the absence of the POLO;
Professionals and skilled workers with duly executed veriﬁed/authenticated contracts containing terms and conditions over and above the standards set by the POEA. The number of professionals and skilled OFWs hired for the first time by the employer shall not exceed five (5). For the purpose of determining the number, workers hired as a group shall be counted as one; or
Workers hired by a relative/family member who is a permanent resident of the host country, except domestic workers (Iive-in caregiver/care worker or household service workers).” Read the full memorandum which includes the list of documentary requirements for exempted applicants in this link:http://www.poea.gov.ph/memorandumcirculars/2018/MC-08-2018.pdf
This means that if you do not qualify under any of the above conditions, you may need to seek the assistance of an agency to process your Overseas Employment Certificate or OEC. This way, the employment will no longer be technically considered as direct-hiring since it will go through an agency.
Bring your complete documents to an agency so that they can discuss the process with you. Depending on the circumstances of your application, the processing may take as short as two weeks, or up to three months.
The OFW ID is supposed to replace the Overseas Employment Certificate (OEC) which serves as a legal exit paper for Filipinos who are working abroad. Based from the POEA’s press release in June, the OFW ID is meant to be implemented mid-July 2017. It turns out that the agency is not yet fully prepared with the process, and as of August 2017, the latest advisory as published in the POEA website is:
PAGLILINAW TUNGKOL SA OFW ID
• Hindi pa po nagbibigay ng OFW ID sa ngayon. Hindi pa po tapos ang guidelines tungkol dito
• Habang wala pa ang ID, sa bmonline.ph pa rin po ang exemption o appointment para sa OEC ng mga balik-manggagawa
• Hintayin po ang mga susunod na announcement para sa tamang proseso ng pagkuha ng ID ng mga OFW
UPDATE: The OFW ID is now available, and can be obtained online. Simply login to https://idole.dole.gov.ph/ and follow the steps from the website.
I use to frequent online forums for topics concerning unpaid credit credit card debts. I was having the same dilemma back then, and because this is not commonly being discussed face to face, I understand why a lot of us resort to online message boards to talk about it.
What I observed from reading everyone else’s stories is that, a lot of people are surprised at how these debt collectors found them when they already changed their numbers, and have moved to different locations. The answers are simple, and they’re mostly in the internet.
1. Social Media.
It is very easy to find someone on social media. Just type in a old friend or acquaintance’s name on Facebook’s search bar and there’s a high chance that you will find them. You can even use phone numbers to look them up. If they used that number to create their account, their profile will appear on the search results.
It may not be as easy to do this on Twitter or Instagram where most users prefer a handle or nickname.
Try googling your name, and your social media profiles, old and new, active or not, are likely to be shown. If you passed a board or licensure exam, you will see your name on various lists published by the PRC, some blogs, and other major publications.
Try searching for your old numbers and anything that was posted online that has your number on it can also be found.
3. Work Records
So you changed jobs, or even moved overseas. But debt collectors were able to track you and even calling you via IDD. They may have seen your new job title or location which you posted in your Facebook or LinkedIn profiles.
You may choose to turn your Facebook’s privacy settings to maximum, but doing so with LinkedIn defeats the purpose (of having a LinkedIn profile).
4. Bank Records
If you recently applied for a salary loan, personal loan, car loan, or home loan, and was lucky enough to get approved, you must be aware that your credit record is accessible to all banks. As this is a new transaction, it surely has your new contact details. Your credit card issuer may have passed these information to the credit card debt collectors.
It is difficult to keep your privacy in this digital age. You’ll be surprised to discover that your personal information is everywhere. While most of these can be hidden (at least from debt collectors), your credit record and contact details that go with it are being shared by all banks.
May nakukulong ba dahil sa di nabarayang credit card? You may have chanced upon this hot topic at Pinoy Exchange already, and I assume that this is also the reason why you are reading this article. Did you stop paying your credit card? Have you been getting emails, letters, and calls lately? Did someone already threaten you with an arrest warrant, court battle, and had people with “police escorts” knocking on your door? Did you receive a “subpoena”? Those are all from third-party collectors, they are agents from a credit collecting agency where your “debt” was sold.
Based from my experience, your bank will try to reach out to you for payment for at least a month. If you fail to pay or if they can no longer contact you (because you are no longer answering their calls or emails), they will pass or “sell” your account information to a third-party collector and let them take over.
I have received calls and emails from at least three “law firms” in the span of six years. It looks like banks actually forward your information to different collectors (unless, these collectors are moving to different addresses and change their company names every two years or so). Whoever gets to convince you to pay, gets the commission. That’s the only time that the threats will stop.
Should you pay these third-party collectors? I have a friend who did because he got so worried when they were able to trace his address and actually went to their house. He agreed to pay, and they promised him a clearance that never arrived. He eventually got a clearance when he learned that I was able to get mine. Now, you may also go ahead and pay those collectors but calling your bank directly is a better option. CLICK HERE for information on how to get a credit card clearance.
What to do next? You may choose to ignore the calls and emails while earning enough money to pay your debt. Or if you have the money, I recommend that you call your bank and transact with them directly. I don’t know about other banks, but HSBC was very accommodating when I contacted them.
If you asked me this when I started blogging ten years ago, I wouldn’t know the answer. My blogs have always been categorized as “personal”, and having a niche never crossed my mind.
I started to consider putting up a niche blog when I learned about monetization. After all, who wouldn’t want to earn some extra cash from blogging? Everyone would be creating a blog and are making money out of it, if only the ways are easy! However, it requires a lot more than just a skill in writing and website developing.
Having a niche is one of the ways to attract an audience to your blog. An audience translates to traffic, and traffic (if high enough) may translate to profit. But with thousands or probably millions of blogs out there, finding a niche has become so difficult. All the major themes are taken and mostly so saturated.
Hence, this is an opportunity to get creative. In short, stop finding that niche, create it!
Start with your hobbies.
Avoid going “general”, break it down and go deeper to a more specific topic. I first decided to take photography as a niche. I was actively doing portrait and wedding photography at that time so I thought I should focus on those. However, I came across a major obstacle and that is not being able to translate my works into words. I ended up building an online photography portfolio and not a blog. So make sure that you decide on a topic which you know you could go on talking about for a long time, articles after articles.
My old blogspot blog is still up and although I don’t update it anymore, I still get views on posts where I talked about something local, like local resorts and transient houses (back when Airbnb is probably not even an idea yet). So in connection to your topic, you can share activities that are being held around your area which are related to it. If your theme is food, talk about the delicacies and the best restaurants in your town or city. Do not aspire to go national (or global) just yet. Focus on what you have around you, and be the online expert about them.
Share your passion.
Some bloggers were just sharing their experiences when they started, and their blogs took off without even them knowing it. There’s just so much love and dedication when the subject is something you are very passionate about, and sharing it could be as rewarding. Talk about your passion, spread that positive energy, you will never know how much people you could inspire.
The big question now is, do you actually need a niche?
The answer depends on why you want to have one in the first place. If you want to make money blogging, then having a niche would be a great idea.
However, is the niche you are chosing profitable?
Not all blog niches are profitable. Profitable niches need traffic, and if in order to get traffic, your topics should revolve around things that people are Googling for.
In general, a good niche is that which provides solution. If people need something and they’re able to find that in your page, they will keep coming. And the chances for them to share your content is high.
So, go create your niche. Do not overthink. Keep it simple. Ask yourself why. Why this topic? Why do I want to do it? The answer to the “why?’ is the real intention behind your blogging. Make sure that that intention is positive and filled with love. That is the secret.
Or how to earn from blogging part-time, you may ask. After all, who wouldn’t want to make money out of their favorite past time? A lot of bloggers are doing it as a hobby. Those who do it full-time make it as an income-generating activity. And a lot of them started doing it part-time, like me.
I still am a part-time blogger. I have a day job and I write and publish articles during my free time, which is often illusive. I can’t even blog full time during weekends because I am likely to spend Saturdays and Sundays in bed! But I still get to publish posts at least three times a week. How do I stay motivated? I follow a few rules. Read on.
Blog when you can. For me, a lot of topics and ideas normally come when I am about to go to bed, so whenever my brain brings me an interesting topic, I would turn my laptop on and start writing. I don’t necessarily have to finish the article in that moment. I would just keep writing until I run out of words and stop right there. Instead of getting frustrated from being unable to finish the article, I would simply stop and spend my time proofreading my work, and publish when it is ready. It may take days or weeks, it doesn’t matter. What is important is that these topics are not forgotten.
It is a hobby. At least at first, while you are not yet decided or ready to turn it into a full time business. Treat it as it is – just a hobby. This way, you only do it when you really want to. But just like any hobby, it doesn’t mean that you don’t take it seriously. You set aside time and effort for it. After all, hobbies are suppose to keep you entertained and happy. Your blog should give you that same vibe.
Make it a passion and keep it that way, you should be passionate at what you are doing. When you are, it will reflect on your content and your readers could see and feel that. Your posts are your investments and the higher the quality, the higher the returns. Cliche as it is, focus on the quality of your content. Good things will follow.
These are not only applicable to part-time bloggers, but to everyone who wants to join the Blogosphere. I would say, begin with a clear purpose. If you are serious about monetizing your blog or make money out of it, you should know why you are doing it. Start by knowing your purposeas a blogger and how you are going to use this platform. Unfortunately, making money is not a purpose I would advise anyone to start from. Go deeper. Ask yourself – what kind of energy are you going to put out there in the world wide web through your blog? Are you going to spread love and positivity? What would you contribute? What is your message?
If you are a new blogger or if you have been here for awhile and want to start over, coming up with a clear purpose could be a very good way to start, again. Happy blogging!
I still remember the first time I ordered food from the internet. It was late 2010 and McDonald’s online delivery site has just been launched in the Philippines. One time, I decided to give it a try out of curiosity and I was quite amazed that my food actually arrived. Since then, I have been a regular customer to fastfoods which have online ordering sites. I find this a lot more convenient compared to placing orders over the phone.
A few years later, we are now able to order through their apps. Here are my favorite online food delivery services here in Metro Manila.
5. Jollibee Web: Yes App: No
Jollibee followed McDo’s example later in 2011. My first try with them was not successful. I waited for almost an hour and when no one was calling to confirm my order, I decided to go to the nearest branch instead. You could tell I was craving for a Chicken Joy at that time. I was already at the store by the counter when a representative called me. Of course, I had to cancel my “online” order. To my surprised, they blocked my email address so I never get to order from them again until a few years later using a new email.
Nonetheless, I am still giving Jollibee a spot on my best list due to recent positive experiences.
4. Shakey’s Web: Yes App: Yes
I never had an issue with Shakey’s deliveries whether I am at home or at the office. I am giving them a higher rating than Jollibee because they have an app, and it is working. I still wonder why I never got myself a Shakey’s card though.
3. Pizza Hut
For some reason, Pizza Hut doesn’t have an app yet. But their service is quite impressive. A few months ago, my co-worker pre-ordered a pizza for his birthday. It didn’t arrive as scheduled so he called their hotline to follow up. They admitted it was their fault and had the food delivered for free!
2. Yellow CabWeb: Yes App: No
While the waiting time is close to an hour, I like the fact that my pizza is always fresh and hot! I’ve had my orders delivered to different locations without problems – home, office, hotels. I can’t get enough of their Manhattan Meatlovers!
1. McDonald’sWeb: Yes App: Yes
So what sets McDonald’s apart from the others? I’d say they have a seamless ordering process. First they confirm your order in a very timely manner, via sms and email. Second, they call you right away if say the store serving your area has ran out of cheese powders for your Shake-Shake fries, and then offer alternatives. Third, orders always arrive no longer than 30 minutes. Lastly, they respond to comments or complaints via emails sent through their online contact form. I have been their regular “online” customer since 2010!
And I am not surprised these are all fast foods! I tried those “healthy meal” delivery restaurants two years ago but their service is terrible, not to mention too expensive. Leave a comment if you share the same sentiments. Cheers!