How to avail housing loan for OFW in Pag-ibig fund?

1. Maari po kayong makakuha kong ang isang member ay may 24 months contribution,
Active member at may source of income o may pinagkakakitaan na pwedeng mag-avail ng Housing Loan. Maari pong bayaran in lump sum ang kulang na buwan upang mabuo ang required number of contributions. Kailangan po ninyong mag-issue ng SPA or Special Power of Attorney sa inyong representative na magaasikaso ng inyong housing loan application.

2. If you will ask me the question how can I get the SPA if I’m here abroad?
Well, you can go to the Philippine embassy and request for SPA or at consular office.

3. If on OFW was banned with housing loan can we avail again?
Well, once black listed po ang isang member, hindi na po maari pang makapag-avail ng loan programs ng Pag-IBIG Fund. Unless valid po ang inyong reason’s maari po kayong magpadala ng Letter request to re-avail housing loan. Subject for evaluation po ito ng Senior Management.

4. Meron po akong salary loan na binabayaran, at nagbabalak po akong mag patayo ng bahay namin ng family ko, is it possible po ba na mag loan po ng construction loan para pampagawa ng bahay? kaso nga lang meron pa po akong binabayaran na salary loan, pwede kayang bayaran ko nalang po full payment yung current loan ko para maka avail ng construction?

Well, Pwede niyo pong bayaran in full ang inyong salary loan upang makapag-avail po kayo ng housing loan. Kailangan po na ang titulo ng property ay nakapangalan na po sa inyo or sa inyong relatives within the 1st degree of affinity or 2nd degree of consanguinity

How to shorten my Pag-ibig fund loan mode of payment?

These Answers have questioned on facebook.com 

How to shorten my Pag-Ibig fund loan mode of payment?

Ang liit lang nababawas sa principal loan sa pag-ibig every month. diba 2246.04 ang binabayaran every month, pero ang nabawas 569.89 lang. kasi nagpadala ng letter ang  pag-ibig last month yong outstanding balance namin ay 388,513.62. na
ngayon may letter ulit 387,943.81. Saan napunta yong 1676? interest? malaki nga talaga
kaya itry ko sana paikliin ang pag-babayad ko kong puwede at kakayanin.
at ilang beses puwede magpalit ng mode of payment?

Nais po namin ipabatid sa inyo na ang payment po ninyo sa inyong housing loan
Monthly amortization ay distributed po according sa pagkakasunod nito: monthly savings, penalty, interest, Insurance,  panghuli ang principal. Kung nais niyo pong mabawasan ang inyong principal balance, doblehin niyo po ang payment ng inyong monthly amortization upang ang excess amount ay credited to principal balance.
Sa ganitong paraan, pwede pong paiklihin ang inyong loan term. Sa pagpapalit naman po ng mode of payment, inform niyo lamang po ang branch or ang inyong account officer.


Xforex is a scam - with Filipino testimonies

Here's are the comments from different investors from the Philippines:

Diamond Tanya Salazar SCAM... I Invested here and can't get my money back unless I send them my back and front card details and IDs...Good thing it was just 50$ other people invested 500$. Please beware.Their site seems legit... And all the brokers will talk u into training and on the spot deposits. They will tell you that you can refund your money but when it comes to withdrawing them... They will ask personal details that may even lead you to a bigger trap! Don’t be FOOLED!

Gloria Renegado scam yan palit lang cila ng name iforex turns to Xforex...BEWARE PO

Milet Angeles kawawa mga taong naloloko sa hirap kitain ng pera ngayon den pag na scam msakit sa loob ,,kawawa nman kya ingat ingat nalang cguro po sa ating lahat

Rodrigo Cortez if this is true you will not post this, instead you will invest yourself alone .SCAM PO ITO WAG KAYO MANIWALA.

Bihildis Felipe I invested there and they did not send my money back. It's a SCAM!

Terrado Marisa Pagulong mahirap mag invest ng pera sa ganyang sistema at sa ibang bansa. Aanhin ko malaking kikitain ko kung wala naman akong kasiguruhan. Mas mainam pa ideposit ko na lang sa banko pera ko. Usually scam itong ganito. Please be aware of that. Mag-ingat sa mga ganitong business proposal.

Applying for a business proposal

When I was a kid, I'm thinking about money and how to grow from it, it's all about the saving day every class in the school, I don't want to waste my money on anything just for fun, instead I save it into my piggy bank.

Applying for a business? so how sure you plan to set a business? who will provide and manage the business? what is the business you are proposing? There are many lots of questions there but you only need to pick one and make a focus on that.

So let me tell you and discuss making some decisions and parts that are very important before starting this allegation.
1. The managing system. It is important that in a business or in a bigger business like hotel, factories, restaurant and casino's managing system is really indeed, using the new latest curriculums of the fresh graduate with a high standard of system managing.
2. The concept of the whole business and trademark. One of the most important concepts is the originality or the idea that comes from you only, you don't need to copy the other business strategies and liabilities if you don't plan on it because you don't know if they have a secret way in another plan where it is hiding and it's not for public information. So however you're originality is not better than the other competencies it's not the fact that they have it all in use now, you must entertain customers and clients the way how you entertain yourself, you must be the center, and be on influential entrepreneur, learn to adjust and improve each in every part when ups and down. Trading mark is the originality tag name, for an example: how did this customer react when they hear the sound of your business title? so that's the impact. Trademark Name.
3. The quality. So what is that for? quality in business is a signature to approvals and demand, the quality in each part of the business desired Whatever type of business is it. Moving to some cheaper businesses observing and did you notice that it's not really safe? like made in china products: china products are really disgusting and embarrassing. That's why we band china products in the Philippines as well us Canada because of the cheap quality of their products. then if the product is cheap then expect that customer won't go back to you again.


What is behind infolinks earning factors low and down reports?

At the first time I was confusing about the factors how can i earn much better, then I realize it's not the same like google Adsense that its basis from every click payment but infolinks pays regarding and defending on the click, impressions and the standby offer where this visitors can guarantee a products and much longer behaviors where did he click the link. The longer this visitors show support to the publisher then publisher just make on successful buyers and loyal customers.

Here is the example from a letter of infolinks to me:

I reviewed your Infolinks account and your latest statistics. Please take into account that the 'Reports' section of your account only features earnings which exceed the one full cent. All earnings less than this amount will appear as $0.0 in the statistics reports. Some clicks are worth more while some are worthless; the calculation for each click is not as straight forward. The earnings per click vary due to many factors and It is possible that these particular clicks didn't reach the one full cent.

That said, I believe your account's performance can be much improved should you increase the amount of traffic to your website which will create more opportunities for user-generated clicks.

Just like this!

You can increase your traffic volume by several methods: advertising on social networks such as Facebook, Twitter, LinkedIn, Google + and others, writing about your website in blogs (yours' and your friends'), spreading the word about your site on online communities' forums and even applying some SEO (Search Engine Optimization) techniques.

I hope that you will find this advice useful. Please write me back should you require any additional information or assistance with your account.

Have a lovely day!


Shirley SM
Account Executive
Bechnology management operations


Linking a card on paypal - example

Please confirm your card
Dear, Juan De La Cruz

You linked your debit or credit card to your PayPal account on 7473347587. To make sure the card is yours, we made a small charge to it that you'll need to confirm (and we'll refund the money to your PayPal account when you're done).
The charge creates a unique 4-digit code on your card statement. If you don't see the charge right away, don't worry - sometimes it takes a few days to show up. If you can't check your card statement online, check your paper statement when it comes in the mail (this can take up to 30 days). You will find the charge from PayPal with a 4-digit code.

How to confirm your card and complete verification:
  1. Check the description field of your credit card statement or bank statement (for debit card) for your 4-digit code (pin number) and the word 'PayPal' or 'PP'. Some examples to help you recognize your code:
o    For Visa/AMEX/JCB/Discover:
o    For MasterCard:
  1. Log in to your PayPal account again and go to your 'Overview' page
  2. Click 'Confirm my debit or credit card'
  3. Enter your 4-digit code (1234 or 4321) to complete verification.
Don't worry. The small amount we have charged you will be refunded to your PayPal account within 24 hours after you complete the process.
Click here for a more detailed step-by-step guide to verification.
When you're done, you'll have additional account benefits - no limits on the amount of money that you can send or withdraw using your PayPal account. However, if you're not verified, please note that you will have a limited amount that you can send or withdraw until you complete verification by confirming your credit card.

Yours sincerely,

DFA Passport Appointment System example

DFA preparation and appointment 

Dear, Juan de la Cruz
Your appointment has been set.

Your appointment is on Tue, Mar 27, 2012, from 08:30 am to 09:00 am.
Please make sure you arrive at the DFA at 08:00 am.

You will be expected to arrive for your appointment at exactly 30 minutes before your schedule.
Even if you arrive early, you will not be entertained until 30 minutes before your appointment.
If you arrive late, you will need to secure another appointment for another day.

Please be advised that appointments from 5:00PM onwards will be considered rush processing.


Your Reference Number: 63757466767676

1. Click the link below to confirm your appointment and print your application form.
2. Use Long Bond Paper when printing.
3. Be sure to bring your application form with you on your appointment date.
4. Please do not sign the application form. You need to sign it with the presence of a DFA officer in the processing window.

Confirmation Link: http://passport.com.ph/email/view/ref/85803456yd5ytfs4534
- If you do not confirm within 24 hours by clicking -
- the confirmation link, your appointment will be  -
- canceled.                                        -

You will need to have a PDF reader installed on your computers such as Foxit Reader or Adobe Reader.

Please note that we've replaced your previous appointments with this one.
You are not allowed to place multiple appointments in our system.

For applicants who can't make it on their appointment schedule date, kindly use the
"cancel appointment feature" 5 working days before your appointment to avoid problems in
your future applications.

Sa mga aplikanteng hindi makakapunta sa nakuhang appoinment schedule,
mangyari lamang na gamitin ang "cancel appointment feature" limang araw bago ang appointment
para maiwasan ang problema sa susunod na pagkuha ng appointment schedule.

Cancel Appointment Link: http://www.passport.com.ph/cancel

Thank you for using our online appointment system. If you have any questions or comments,
you may reply to this email or call us at (02) 737-1000 anytime from 8:00am - 5:00pm, Monday to Saturday.

DFA Passport Appointment System

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