How to Withdraw your Pag-IBIG Fund Contributions

Like your savings deposits in your bank, you also have the option to withdraw your contributions from the Home Development Mutual Fund (HDMF) or Pag-IBIG.  Each member has the right to refund their total accumulated savings or TAV, which includes their monthly savings, employer share, and total annual dividend earnings. There are, however, certain criteriaContinue reading “How to Withdraw your Pag-IBIG Fund Contributions”

Claiming Your SSS and Philhealth Benefits: A Right and A Responsibility

Matagal na akong hindi nakapag hulog sa aking SSS / Philhealth account; ngayon, may sakit ako at maco-confine.  Pwede ko bang habulin ang mga nalibanan kong buwan para makapag claim pa din ako ng benefits? This is a common question we receive from followers.  Apparently, a lot of Filipinos think that paying their monthly contributionsContinue reading “Claiming Your SSS and Philhealth Benefits: A Right and A Responsibility”

Senior Citizens, PWDs, and Indigent Households: First Recipients of the National ID

It has been more than a year since we featured House Bill No. 5060 or the Philippine Identification System Act.  This is the bill that will require all Filipinos to be issued a national identification card that will serve as their main identification for all government transactions, claims, use of government-mandated benefits, and applying forContinue reading “Senior Citizens, PWDs, and Indigent Households: First Recipients of the National ID”

Nationwide Smoking Ban in the Philippines: Approved!

Executive Order 26, or the Establishment of Smoke-free Environment in Public and Enclosed Places has been in effect since midnight of July 23, 2017.  The Philippines is now a No Smoking Country! Below is a quick summary of the places and conveyances covered by this law and what awaits those that will be caught violatingContinue reading “Nationwide Smoking Ban in the Philippines: Approved!”

LTO Fines and Penalties for Traffic Violations Part 4: Traffic Violations for Private and Public Utility Vehicles

A leading cause of traffic jams and road mishaps are drivers who deliberately disobey traffic rules.  It could be as uncomplicated as tailgating another vehicle, to overtaking on single or double white lines, to beating red lights especially when there are no traffic enforcers around. If drivers knew how much they would have to pay,Continue reading “LTO Fines and Penalties for Traffic Violations Part 4: Traffic Violations for Private and Public Utility Vehicles”

LTO Fines and Penalties for Traffic Violations Part 3: Violations on Weight and Load Limits and Illegal Operation of Motor Vehicles

Our third installment on our LTO Fines and Penalties series is all about limits on cargo weight and illegal operation of motor vehicles, more particularly those that are used as public conveyance.  The fines are exorbitant, so make sure you stay within the limits set by the LTO and the MMDA if you belong inContinue reading “LTO Fines and Penalties for Traffic Violations Part 3: Violations on Weight and Load Limits and Illegal Operation of Motor Vehicles”

LTO Fines and Penalties for Traffic Violations Part 2: Violations In Connection with Number Plates & Markings on Motor Vehicles

In the second installment of our series on LTO Fines and Penalties for erring drivers, please take note that this includes offenses committed by public utility drivers and operators. Today, we are going to feature violations in connection with number plates, equipment, parts, accessories, devices, and markings of motor vehicles.  Lady drivers are strongly advisedContinue reading “LTO Fines and Penalties for Traffic Violations Part 2: Violations In Connection with Number Plates & Markings on Motor Vehicles”

LTO Fines and Penalties for Traffic Violations Part 1: Violations In Connection with Licensing

  Anong violation ko? That is a common defense mechanism of most drivers who go against road rules but would like to dodge fines and penalties.  Does it work?  Well, sometimes it does (with the help of a few hundred bucks).  But most of the time, traffic enforcers choose to slap you with a ticketContinue reading “LTO Fines and Penalties for Traffic Violations Part 1: Violations In Connection with Licensing”