Sulyap Jan 2008 (Final)

8/14/2019 Sulyap Jan 2008 (Final)

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T he Focused Group Discussion which brought out the problems on theworkers under the Employment Permit System (EPS) and among enter-tainers has given Philippine Overseas Labor Office (POLO) Labor Attach AttyDelmer R. Cruz the opportunity to report the disappointing result on the numbeof passers of the last EPS-Korean Language Test (KLT) held in May of 2007.We are asking why it happened for a lot of applicants are waiting to be includedin the roster of jobseekers under the EPS program in Korea.

The Korean Language Test or KLT has been implemented in the Philippinesthru the Philippine Overseas and Employment Agency in September 2005. Inthe year-end report of the agency, Director Nimfa De Guzman of the Gov't.Placement Branch of the POEA told SULYAPINOY that there were a total o19,807 workers deployed to Korea since the Memorandum of Understanding(MOU) between the Department of Labor and Employment of the Philippineand the Ministry of Labor of the Republic of Korea was ratified in 2004.

However, it is unlikely noticeable that the last KLT in the Philippines was heleight months ago. KLT takers and even our officials have queried and pre-sumed that those who were not able to get the passing score will be qualified towork in minor sectors like construction, agriculture, fisheries and livestock. Man

Koreans and foreign workers are avoiding such industries for they are quitedifficult, have few exemptions from labor rights and even hazardous to health. Ineffect, the Philippine Embassy has requested an additional of $100 from theMinistry of Labor of Korea as hazard pay for those who would like to take thrisk. Unfortunately the request was not granted.

Also, the foreign workers dean of the Ministry of Korea has noticed the frequent transfer of workplace among Filipino workers and too much assertive onour labor rights by which many Korean employers were discouraged. But wer just using our labor rights as promulgated by the MOL for our protection. ThMOL has the record of the increasing number of physically and even sexuallyabused workers; records show that there are abusive employers.

For this year, POLO has been vocal about the remaking of the matrix for theEPS workers. It is good to start the New Year with new resolutions for the Filpino migrant workers.

We are optimistic as we look forward for these new resolutions to help im-prove the working as well as the living conditions of the EPS workers from preemployment periods most likely in sending workers for minor sectors up to thre-hiring periods which includes benefits and insurances. These resolutions wilserve as prevention to all EPS workers from engaging into any types of work-related hazards and eventually may change our misunderstood vulnerableimage into highly commendable and very competitive Filipino workers.

More than two years have passed after the Fili-pino migrant workers in Korea expressed strongopposition to the Bilateral Social Security Agreementbetween the Philippines and South Korea.

Different sectors, especially the EPS workers, joinedthe campaign by gathering signatures to show their rejec-tion of the Bilateral Agreement signed by the PhilippineForeign Affairs Secretary, Alberto G. Romulo and theMinister of the Korean Ministry of Foreign Affairs andTrade (MOFAT), Ban Ki-Moon. Until today, the positionof the EPS workers remains the same - refusal to com-promise.

Under the Bilateral Agreement, the EPS workers arenow entitled to social security benefits such as retirement,disability, accident, and death insurance as part of thebenefits program of the Social Security System (SSS). As a result, the workers monthly NPS contribution whichis supposedly to be claimed by them in lump sum after the end of their contract is now impossible since the saidcontribution shall be forwarded to social securityagencys account. While those workers whose contractare not under Employment Permit System cannot alsoclaim the said benefits as they shall also be coveredunder the Korean National Pension System (NPS).

Moreover, this measure could eventually lead to corruption. The moneywhich is the fruit of the EPS workers years of hard labor can become an easytarget for some greedy government officials in the Philippines, particularly inthe social security agency. There are also speculations claiming that if thismoney gets into the hands of the agency, it will be allocated to other govern-ment agencies. When all these happen, the time and effort spent by the work-ers in working and waiting for their well-deserved benefits may just end up in

frustration and grief.The workers do not only have the right to be informed and consulted but,more importantly, they have the right to make decisions on issues concerningthe status of their NPS contribution and other labor-related issues.

The workers right to decide where to allocate their contribution and bene-fits granted by the NPS of Korea should be upheld. The Philippine govern-ment should realize how miserable is the life of an OFW and how necessaryis the NPS in the reestablishment of their economic condition upon returningback.

On the other hand, the Korean government should not allow the NPScontributions and benefits to be sent into the hands of some corrupt officials. As Sangsu Lee of the Ministry of Labor of Korea expressed during last yearscelebration of International Migrants Day, he wished that the migrant workerscan go back home with a big smile on their faces. The Korean government

should make sure their decisions do not betray their intentions for the migrantworkers.

EDITORIAL

Editor-in-Chief: Rebenson B. Recaa Managing Editor: Dondave JabayNews Editor: Edward A. Castro Feature Editor: Elizer M. PearandaLiterary Editor: Amie Sison Graphics: Wayne D. Manabat

Circulation Managers: Alwyin A. Casio, Aquilino J. Juanites Jr.Contributors: POLO Office; Hong Hee-Chang; Angela; Rogelio P. Domingo Jr.;

Joe Y. Tavarro; Marvin M. Babasa

Layout: blythe Cartoonist: Alden C. BalgosConsultant: Fr. Alvin Parantar, MSPOffice Address: 115-9 Songbuk-gu, Songbuk-dong, Seoul KoreaEditorial Address: OK AIRTEL VISION ASIA, Vision Bldg. # 85-3, Hyehwa-

dong, Jongno-gu, Seoul, Korea (in front of the Hyehwa-dongCatholic Church, Line 4 (Blue) Exit # 1 Tel. No. 02-744-0066

EDITORIALSTAFF

2 SULYAPINOY JANUARY 2008

MAAWA namankayo sa AMIN!Hwag nyo namankami gawing

GATASAN!

MGA BAYANI! Your FUTURE & SECURITYis my PRIORITY!


3/12SULYAPINOY JANUARY 2008 3

NEWS / FEATURES

Engr. Wayne D. Manabatis one of the pillars of FEWA and a member of theBoard of SULYAPINOY. Heis from Davao City and agraduate of B.S. ElectricalEngineering at the Univer-sity of Mindanao, DavaoCity, Philippines.

He started working in Koreain 2005 at YUK IL SANUP in Pusan, MIRAETECHWIN in 2006 at Incheon, UPI-TECH in 2007at Ilsan and ALPHONSUS TECH at Soengnam.With all his skills and talents, he generouslyshared them thru the FEWA logo, SULYAPINOY

nameplate, FEWA IDs, and others and becomethe brilliant graphic artist of SULYAPINOY.

From your FEWA Family and SULYAPINOY Board of Publication and Staff...

THANK YOU AND GOODLUCK!

FEWA, PMWAK VISIT...nadali pa rin ako ng dulo, he added.

At GIL Medical Center where he was first con-fined, the doctors declared 0% possibility of walking. His body is half-paralyzed due to the severe fractureon his spinal column but he never loses hope for hebelieves that God will help him recover soon.

At Incheon Chamsarang Hospital, his wife LyraConcepcion Abellar is currently assisting him par-ticularly on some maneuvering activities. Theyvebeen married for five years with a four-year old boy.

During their visit, Loreto H. Agustin, FEWA presi-dent together with his some officers, accompaniedby Aldrin D. Igana, president of the PMWAK -Incheon Chapter who informed FEWA about theincident, gave some financial assistance for thevictims medication. The said financial assistancewas partly came from the recent FEWA fund raisingprogram - the raffle draw held on December last

year. Agustin also asked the victim about the financial

assistance coming from his employer. My employer is continuously giving my salary since the accidenthappened. Actually he just informed me to checkmy ATM for my bonus, the victim said.

Despite of his current situation, Abellar still man-aged to give an important advice to those who arereceiving their contract as EPS to verify first their company, check their nature of work and even thename of the company in the Philippines thru theinternet before coming here.

He considered his fate as a challenge still for ithappened outside the Philippines where he couldget benefits as a contract worker. He could notimagine his situation without the help of his suppor-tive employer, family, good friends, NGOs andabove all the Almighty whom he owes his secondlife to, he said.

Many foreign workers, especially illegal ones,work in areas beyond the reach of the law en-forcement and cannot receive due protection of their basic rights. The new law has given theKorea Immigration Service a mandate to ensurethat these and other inequality issues are ade-quately managed as Korea slowly but surelyopens up to free human movement.

``Apart from the government's efforts, I think it is also necessary for ordinary Koreans to stopthinking that we live in a racially homogeneousnation. We should think about ways of living to-gether in harmony.'' Choo added.

(references: www.koreatimes.co.kr; http://english.mbplaza.net; Biz News)

LEE MYUNG-BAK to Protect... My dream is to build a strong nation of warm

society and a harmonious co-existence with our foreign friends. This is a promise I made to my mother and all the mothers of this land. It is anunwavering promise to you. said Mr. Lee in hisspeech posted in mbplaza website.

Likewise, latest statistics (http://en.wikipedia.org/wiki/South_Korea#Demographics) shows that thetotal number of immigrants residing here exceededone million.' We should open our doors to foreignerswith principles. Otherwise, the massive influx will harm the country. We also need to think about so-cially integrating them,'' said Choo Kyu-Ho, Senior Immigration Officer in his statement to Korea Times.

A bill on the Treatment of Foreigners Act and Anti Discrimination Act was passed concerningissues such as the welfare of immigrant workers,education for children from interracial marriages,illegal immigrant workers and Korean descendantswith foreign nationality, during the National Assem-bly last May of 2007. Under the bill, employersdiscriminating against immigrant workers will besubject to legal punishment.

As the number is expected to rise, the agency pub-lished the Easy Guide for Foreigners Year-end TaxSettlement to expedite filings for income tax returnsby foreigners. The guidebook contains frequentlyasked questions on non-residents year-end taxsettlement benefits and procedures.

Anyone interested in the tax return benefits can visit

the agencys websitewww.nts.go.kr/engand click onthe Easy Guide for Foreigners Year-end Tax Set-tlementmenu to download the electronic version of the updated (2007) taxation guidebook or downloadtax forms.

You can also self-check on how much tax return youcould gain by using the Automatic Calculation Ser-vice for Year-end Tax Settlement menu on the website. You can also confirm if your Monthly Withhold-ing Tax deducted by your employer from your monthly wage and salary income is correct by usingthe Automatic Monthly Withholding Check Service or you can also download and check thoroughly theSimplified Tax Withholding Table.

For those who lack internet access, the tax agency isalso providing telephone consultations. For moreinformation, call(02) 397-1440to contact theagencys foreigner exclusive taxation help line.

Direct Links for NTS Income Tax Guidelines and Automatic Calculation Services(just type eachaddresses into your respective web browser)

NTS English Web-site http://www.nts.go.kr/eng/

Easy Guide for Foreigners Year-end Tax Set-tlement http://www.korea.net/news/attach/

Easy_Guide_en_.pdf Automatic Calculation Service Year-end TaxSettlement http://www.nts.go.kr/eng/front/

jungsan2007refer_2007jungsan_eng.asp Tax Forms:

http://www.nts.go.kr/eng/menu/Resources/Forms.htm

Monthly Withholding Tax Check Service http://www.nts.go.kr/front/service/refer_cal/gani/refer_gani_eng.asp

Helpline for Foreigners (All foreigners can callthese numbers directly)

02-397-1440 or 02-2076-5711Note:You can also email your questions. Just go to http:// www.nts.go.kr/eng/ website and click Help Desk page then click Q & A or Foreign Taxpayer Advo-cate Service links.

Year-end Tax SettlementGuidelines for Foreigners

by Dondave Jabay(Source: National Tax Service Website)

Are you from over-seas and have been

residing in Korea for morethan one year? Is your monthly salary deductedwith monthly tax with-holding? If yes, then youshould check with theNational Tax Service toapply for year-end taxrefunds. Since the imple-mentation of the workpermit system for foreign

workers to help ease Koreas labor shortage threeyears ago, the number of migrant workers in Koreahas increased recently.

Reflecting the trend, the number of foreignersbenefiting from year-end tax returns surpassed240,000 in 2006 and is expected to reach 300,000this year. The total tax paid by foreigners ac-counted for 3.7 percent, or 229.5 billion won, of alltaxes paid by Koreas 6.6 million workers last year.

FEWANIAN of the Month

For Comments, Suggestions,Contributions & Advertisements

Please submit them to the ff. emails below:

News: [email protected]: [email protected]: [email protected]: [email protected]

Chief Editor: [email protected]

We reserve the right to refuse any submission wedeem does not meet our policies and guidelines.

SULYAPINOYis still in need of writers. Aspirantsmay email the Chief Editor for more details.Thank you for your time and interest!


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FEATURES


HOME RUN by Elizer Penaranda

Please release me, let me go

T his has been the undying theme song of usmigrant workers under the Employment PermitSystem. Were bounded by labor policies providedby the Ministry of Labor. And one of these is theprivilege of being employed four times in differentcompanies under the same category. Consequently,these chances have significantly affect the livingand working conditions of us either positively or theother way around. This is very evident in our twofeature workers who experienced the two faces of aworkers life.

Boyet, a 30-year old who worked as a waiter inDavao City and had no factory experience yet be-

fore working to Korea.He was employed inSeoul and worked in a

plastic injection manufac-turing company. Accord-ing to him, hes beenexposed to the Koreanpali system and thatmade him a bit careless.Eventually, he came upwith a number of rejectedproducts. Also, he com-

plained the No Work, No Pay policy of the com-pany, verbal abuse from his Korean co-workers,and less conducive accommodation especiallyduring winter in the container van which served ashis shelter. As a result, he had filed a complaintagainst his employer regarding salary and the saidproblems. Unfortunately his employer out of anger released him out. Until in August last year, after losing the work permit due to three releases hedecidedto run back home and reapply for EPS inKorea this year.

And Edwin, a BS Engineering graduate from Bula-can has no work experience also in manufacturingcompany. Like Boyet, he was not exposed to manu-facturing type of work. He used to design buildingsand bridges in metro Manila. But in Busan, he wasexposed to grinding metal parts in a shipyard for heworked for a metal fabrication company. He wasused to thepali system and worked for long hours.

Also, he patiently treated his co-workers well de-spite of the vulgar words likesikya and shibal.

For three years, he just did what he was supposedto do as a migrant worker:strong faith in God and determination to uplift the living condition of hisfamily . These were all his inspirations to survive.Today, he just arrived from one month vacation for he has given another three years of work contractby his employer with a monetary compensation of around 5 million won.

They are just two out of 19,807 Filipino EPS work-ers who had tasted both the bitterness and sweet-ness of being away from home, obviously, for workreason. We have sacrificed everything just to im-prove our families living condition. Boyet who hadeasily given up in just a short period of time in hiswork and Edwin who patiently worked with his co-workers are reflections of our struggles and dreams.

Like them, we are working in the so called dirty,difficult and dangerous type of jobs. But it dependson how we motivate ourselves too. Let us be in-formed of the current labor policies and issues sothat we will be guided properly in our work. Thesewill surely lessen the burdens due to the problemswe daily encountered. In all our releases, strug-gles, failures and success, there is only one desti-nation that awaits us all at the endhome .

2008 - YEAR OF THE RAT -- A positive challenge for us. by Dondave Jabay

According to the Chinese Zodiac, the Year of 2008 is a Year of the Rat (Earth), which begins on February 7, 2008 and ends on January 25,2009. First in the cycle of 12 Animal signs, Rat Year begins the sequence and recurs every twelfth year. It is a time of renewal in so ways. From New Year to Valentine's Day, to the arrival of spring, may all the blessings and delights of the New Year be yours.

A Rat Year is a time of hard work, activity, and renewal. This is a good year to begin a new job, get married, launch a product or make a start. Ventures begun now may not yield fast returns, but opportunities will come for people who are well prepared and resourceful. The be

for you to succeed is to be patient, let things develop slowly, and make the most of every opening you can find. People born in anEarth Rat are said to be logical real-ists, intelligent, charming, ambitious, artful and creative. Of course, the entire horoscope must be considered when making any personality assessment.

In Chinese, the Rat is respected and considered a courageous, enterprising person. People born in the Year of Rat are clever and bright, sociablefamily-oriented. They have broad interests and strong ability in adapting to the environment and able to react adequately to any changes. They are gifted iways and have an easy going manner. They are active and pleasant, tactful and fantastic, and are able to grasp opportunities. They seem to have interests in ething and hope to participate in doing it and usually do it very well.

It is nice and hopeful to know all these positive traits and opportunities that the Year of the Rat can give us, but the fulfillment of all these stuff definon our own attitude and will. The Year of the Rat doesnt have the magic or power to make them happen for us. We are the one who can decide and nurture positive challenges to make our life different as we go along throughout the year.

Goals, Resolutions, andGoals, Resolutions, andGoals, Resolutions, andGoals, Resolutions, andthe New Yearthe New Yearthe New Yearthe New Year by Dondave Jabay

T he New Year is a great time to set some goalsand resolutions. A time to renew, refresh, re-commit, re- everything we can as the New Year unfolds its promises. The end of the year is also agreat time to reflect on 2007. It is the best time toreview the holistic aspect of our life.

Being the somewhat pessimistic person that I am, Iusually tend to focus on what went wrong in theprevious year. But I realized it was also good tothink about what went right as well --how God showed His faithfulness to me . Now, as I startsetting up my goals and resolutions, I am inviting allof you to do the same too.

I suggest writing down a list on how God have beengood to you in 2007. In the family, health, work,

business, friendship, community, love affair, andothers --lets think of ways on how God showed

His love to us last year . Then take some time to askGod to show our faithfulness in this brand new year.What are some of our hopes and what can we do toaccomplish them -- or to at least get on the path toaccomplishing them?

Next, lets write down some personal goals for thisyear. I suggest to use the following tool acronym

S.M.A.R.T. authored by management expert Peter Drucker in making our personal goals. I usually dothis both in my previous and current job, every timewe set our quarterly objectives, but I believe it willwork for our personal goals too.

Specific - You should describe specifically the resultthat you desired. Don't just say "Lose weight." Decideto "Lose 12 pounds."

Measurable - Establish concrete criteria for measuringprogress toward the attainment of each goal you set.To determine if your goal is measurable, ask ques-tions such as...How much? How many? How will I know when it is accomplished?

Achievable - When you identify goals that are mostimportant to you, you begin to figure out ways you canmake them come true. You develop the attitudes,abilities, skills, and financial capacity to reach them.You begin reviewing previously overlooked opportuni-ties to bring yourself closer to the achievement of your goals. To be a perfect employee / husband / wife /son / daughter / lover or friend is an admirable goal,but nobody is perfect, no matter how resolved youare. You should make your resolution something thatis possible like -- "Improve your next year's perform-ance review by at least one grade or one level."

Realistic - We've only got so many hours in the day,so let us make our goals realistic based on what re-sources and tools we've got on hand. To be realistic, agoal must represent an objective towards which weare bothwillingand able to work. A goal can be bothhigh and realistic; we are the only one who can decideof how high our goal should be.

Timely - A goal should be grounded within a timeframe. Without time frame tied to it there's no sense of urgency. Since these are New Year's resolutions, setgoals that you can reach utmost within the next 12months. Giving ourselves deadlines" of sorts will helpus figure out where and when we should be whiletracking our progress. (continue to next page)


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1. Protection under Labor Standards Acta) Standard working hours are 44 hours a week

(for workplaces with less than 50 workers) and

8 hours a day. Upon agreement between a Foreignworker and the employer, extended working hoursare allowed (applicabe to workplaces with five or more full time employees). With the revision of theLabor Standards Act on September 2003, the 40-hoursworkweek system was introduced and will graduallyapply according to the number of workers per work-places. From July 1, 2007 to May 31, 2008, 40-hoursworkweek is currently applied to any workplaceswith 50 workers and above. By July 1, 2008, it willbe applied to any workplaces with 20 workers andabove. And by the year 2011, the 44-hours workweekwill be totally abolished.

b) Wages are to be paid directly to workers in cash atleast once a month on a fixed day.

*Employers may not ,withoutconsent of workers, deductor save any part of all workers wages.

c) Foreign workers are entitled to receive additional wagesfor extended working hours, working at night(10:00PM to 6:00AM), or during holidays (applicableto companies with five or more employees).

*In case of hours worked over 8 hours per day and 44 or 40 hours a week, 150% of thenormal wage is paid to the workers.

NOTE: Under 40-hours workweek system, only 125%of normal wage is paid to the workers for the first 4-hoursof overtime each week within 3-yrs from its implementation.

*Overnight (10:00PM to 6:00PM): 50% of thenormal wage is paid to the workers.

*Holidays(Sunday OT): 150% of the normal

normal wage is paid to the workers.2) Protection under Minimum Wage Act3) Protection under the Industrial Accident

Insurance Act4) Protection under the Wage Claim

Guarantee Act

Protection of the Rights and Interest of Foreign Workers

YOU NEED TO KNOW!!!

FEATURES

SULYAPINOY JANUARY 2008 5

After we have identified our goals, it is best to sortthem into categories:

Spiritual Life Health Work Relationships Fun

Last but not the least, Ibelieve this is the most

important thing we must do; ask for God's grace toguide us on our way. Many people make lists of somany things for their New Year's, but most dont followthrough with their resolutions.

As we know ourselves, only through prayers and faith,surely, we'll accomplish everything we set for.

I wish you a Happy and Prosperous New Year!

Problem / Issues / Concerns

INTERVENTIONS

Education

A) What is being done? B) What ought to be done?

Pre-Deployment (EPS Workers): 1. Lack of orientation about the overall environment at jobsite, Korean work ethics, attitude and expectationof Korean employer/supervisor, etc.2. KLT (and the training therefore) is too broad andgeneral, when the urgent need is knowledge of lan-guage relevant to the workplace.3. Lack of information about the particular nature of work.4. Mismatch between qualification of selected worker and his actual job (e.g., college graduate doing man-

ual labor)5. Expensive Korean language training fee6. No orientation/familiarization about Filipino culture(particularly workers) is given to Korean employers.

Pre-Deployment (Entertainers): 1. Lack of information about working environment2. Escort system3. Illegitimate workers given E-6 visas (GROs)4. Insufficient information provided in thePDOS/inexperienced PDOS speakers5. Medical problems- worker not screened/lack of screening prior to deployment

Post Arrival (EPS Workers): 1. Inadequate information about Korean labor andimmigration policies during 3-day training.

Employment Period (EPS Workers): 1. Inadequate training/orientation on the particular task assigned by employers to workers, i.e. workersare immediately required to perform the work withoutthe benefit of basic training/familiarization with thesame.2. No/Lack of safety device/paraphernalia for workers3. Common problems:3.1. Difficult/hazardous work (long working hours,heavy work load, forced OT on Sundays, no/inadequate safety device /paraphernalia, exposure tohazardous chemicals)3.2. Maltreatment/mistreatment3.3. Contract violation/substitution (underpayment of salary, OT pay or company, job description and salaryrate is different from that stated in the contract signedin RP by the worker)3.4. Worker does not like the work3.5. Delayed/Non-payment of salaries3.6. Poor working/living condition3.7. Personal problem (conflict with co-worker)

Employment Period (Entertainers): 1. Poor accommodations2. Underpayment of salaries

3. delayed payment of salaries4. entertainers as GROs at night clubs5. Bar Fines

Pre-Deployment (EPS Workers): 1. PDOS should focus more on the situation at workplace andshould tap resource person with actual and relevant experience.2. Language training should put emphasis on words /phrases com-monly used at jobsite.3. There should be prior knowledge of/familiarization about thespecific task to be performed by the worker

Pre-Deployment (Entertainers): 1. For POEA to educate the talents on the type of music,

environment, etc. to be encountered in Korea;

2. To conduct PDOS with speaker who has first-handexperience3. For entertainers to learn Korean songs prior to deployment4. For POEA, POLO provide contact information of foreign

assistance centers, embassy

Pre-Deployment (NGO Sector): 1. For the govt to provided basic orientation on foreign workers

rights

Pre-Deployment (GO Sector): A) 1. Conduct of PDOSB) 1. To review relevance & effectivity of PDOS

Post Arrival (EPS Workers):1. Basic knowledge of labor & immigration laws should be

included in the 3-day training.Post Arrival (GO Sector): A) 1.Post Arrival Briefing

2.Distribution of information materialsB) 1. Require promoter to present entertainers to POLO for

verification before starting work

Employment Period (EPS Workers): 1. Proposed orientation for Korean employers should include on

the job briefing/training for newly hired workers.

Employment Period (NGO Sector): 1. Conduct of Value formation Seminar to empower/teach

workers to be more responsible of themselves2. Continuing education about foreign workers rights

Employment Period (GO Sector): A) 1. Community visitation & consultation

2. Info dissemination on updates on labor & immigration laws3. Development of Website4. Reintegration Preparedness Seminar 5. Skills Training

B) 1. Development of Interactive Website2. Paralegal seminar 3. Contribute in NGOs publication /newsletter 4. Savings Consciousness5. Entrepreneurship/Skills Training

Post/Re-integration (GO Sector): A) 1. Establishment of the National Reintegration Center

2. Conduct of Reintegration Seminar for OFWs & families3. Conduct of skills/entrepreneurship Training4. supports community-based Reintegration Preparedness

Program of OFWs5. Refer to relevant government agency

B) 1. Monitor status of OFWs who availed of Reintegrationassistance

(continue to next page)

Source: MOL (Ministry of Labor) WebsiteLink @ http://english.molab.go.kr


6/12

FEATURES / LABOR UPDATES


2008 INFORMATION ON THE 2008 MINIMUM

WAGE RATE FOR FOREIGN WORKERS

Source: POLO Office

(Minimum Wage Rate)

: 3,770 (8 30,160 )Hourly Rate:KW 3,770 Won per hour (8-hour standard daily rate: KW 30,160 Won)

(Applicable Subjects)

1

All enterprises or workplaces employing more than1 worker.

(Applicable Period) 1 January 2008 ~ 31 December 2008.

Important Matters for the employer)

(You cannot reduce the current salary of the worker by using this minimum wage regulation).

( 44 40 )

.The minimum wage must be given to workers based on the former working hours even if the company duced their working hours from 44 hours to 40 hours by the law of the labor standard. 1) ( 44 40 ) ( )Ex.1: If the company already reduced the working hours (from 44 hrs. to 40 hrs.), the minimum wage should be:

- 3,770 x 209 = 787,930 - 3,770Won x 209 hrs = 787,930 Won

2) 08.7.1 ( )Ex. 2: If the company will reduce the working hours after July 1, 2008 (monthly minimum wage)- : 3,770 x 226 = 852,020 - Before reduction: 3,770Won x 226 hrs = 852,020 Won

- : 3,770 x 209 + @ = 852,020

- After reduction: 3,770 x 209 hrs + @ = 852,020 Won

@

It is required to pay some @ to prevent the decrease of the salary due to the reduction of the working hour

1 16 4

25% , 50% In case you let your workers work overtime after reducing the working hours, 25% must be added for the firhours and 50% for overtime after 4 hours. (16 hrs standard weekly)

(Government Office in Charge)

(02 503 9732) Salary & Working Hours Policy Team of the MOL (02) 503-9732) and all District Labor Offices.

INTERVENTIONS

Policy Advocacy Direct Assistance / Operation

A) What is being done?B) What ought to be done?



Pre-Deployment (EPS Workers): 1. The substance of KLT should put more emphasis on

language (words & phrases commonly used) at the work-place.2. Qualification and selection process should be designedin such a way that lesser overqualified workers are hired.3. To put in place a less expensive fee for Korean languagetraining (either the government conducts the training or regulates the fee rates)4. Korean employers should be given orientation aboutFilipino culture

Pre-Deployment (Entertainers): 1. Establishment of the Phil Showband & Musicians Unit(PSMU) in coordination with POEA

Pre-Deployment (GO Sector): A) 1. Continuing review of terms & conditions of employ-

ment & negotiation with relevant agency of host country2. Continuing representation w/MOL, HRD for the speci-fication of job in the standard labor contractB) 1. Renegotiate MOU for more favorable terms & condi-tions of employment & better protection of workers(EPS)

2. Submit policy recommendations & implement immedi-ate reforms to protect entertainers

Employment Period (NGO Sector): 1. To establish a more permanent networkof NGOs

Pre-Deployment (EPS Workers): 1. Make representation with appropriate government agencies

Pre-Deployment (GO Sector): 1. Request KIS & KMRB to require addl documents (verified con-tracts for KIS & verified job order for KMRB) to weed out promoters/venues not accredited by POLO2. Close coordination with the Phil immigration to weed put escortsystem3. Active participation in international for a & conferences likeILO,IOM, etc.

Employment Period (NGO Sector): 1. For Phil & Korea Govt to review and labor policies towards better terms and conditions of employment

Employment Period (GO Sector): A) 1. Continuing representation w/ local agencies (MOL, HRD, KIS,

assistance centersB.) 1. Liaison work with Parliament & other Korean agencies for better protection/security of workers2. Link/collaborate with other EPS labor sending countries

Re-hire/Re-employment (GO Sector): A) 1. Recommended to HRD for re-hires & returning workers to becovered by return cost & casualty insurances. Recommended w/ theKorean govt for the shortening of waiting period for 6 mos to 3 mos.B) 1. To reiterate request for the waiver of agerequirement

Employment Period (EPS Workers): 1. Closer monitoring by MOL including on the spot inspec-

tion of worksite.

Employment Period (NGO Sector): A):1. Counseling2. Mediation3. Hospital Visits4. Conduct of cultural activities to learn about Korea5. Conduct of Korean language course6. Spiritual, moral & emotional support7. Financial support8. Networking w/ different centersB):1. Assisting office/NGO should ask worker if he hadsought assistance of another office/NGO2. Coordinate w/ said office /NGO

Employment Period (GO Sector): A):1. Counselling assistance2. Conciliation services3. Hospital visitations4. Interpretation services5. Networking/linkages w/ concerned agencies like HRD,KIS, MOL, assistance CentersB):1. Assistance Office/NGO should ask worker if he hadsought assistance of another office/NGO2. Coordinate with said office/NGO


7/12


8/12

LEARNING KOREAN


Dear Readers:

SULYAPINOY is launching its donation program dubbed asHELP US TO HELP YOUdueto the following reasons and objectives:

1. Inadequate financial sponsors to support its monthly printing expenses.2. To increase its monthly distribution copies by 50% to ensure majority of its readers

(Filipino OFW) will receive a copy regularly.3. To increase its regular issue frequency from monthly to a bi-monthly issue.

In this connection, SULYAPINOY is asking your generous support to this program. Youcan give your donation of any amount at SULYAPINOY distribution area or at its office atOK AIRTEL VISION ASIA (in front of Hyehwa Catholic Church) and Woori Bank during

Sundays from 10:00 AM to 5:00 PM. If you have questions please contact (010-9294-4365 / 010-5143-1628)or email at [email protected],[email protected], or [email protected].

Thank you to your constant support. SULYAPINOY is wishing you the bestthroughout the year!

Lets Learn Basic KoreanBy: (Hong Hee-Chang), Korean Teacher of Miriam Center School - Hyewadong

! !! ! Hello everyone!

I am (Hong Hee-Chang). Its my pleasure and honor to share basic Korean les-sons to you. Currently, I am teaching Korean language at Miriam center and its my honor

to extend my teaching service to other foreign workers in Korea especially to those peoplewho will receive and read the SULYAPINOY newsletter.

From this month, I will start basic Korean topics. But before we start, lets talk first about (Korean Language). I think you tried to study Korean since you came here but many

times you gave up. Maybe because is not easy to study along. Also, maybe youdont have enough time to study because every day or night you are working. And actually,you dont have enough time to talk with Korean people.

Lets try again! Now, we have a great chance to study in SULYAPINOY newsletter.You can study with me. Maybe a few months later, you can read and understand Korean. I am sure you can do it becauseevery student in my class at Miriam center had showed me a positive trend that they can do it and actually they did it. So Ibelieve in you too.

Now its time to start. Our first lesson is about and . is like hello. And itincludes How are you? When you meet somebody like your Boss, friends, say . You meet a co-workersin the company, say . Another necessary expression is . It means thank you. When somebody gave you a kindness or helpfulacts or words, please say . It is the best way to say or show your gratitude in Korean.

A greeting is very important in Korea. If you dont say hello or thank you, Korean may think that you dont have a goodmanner. Dont be shy to say and . Our second lesson is how to look for a subject, object, and verb in a Korean sentence. It is very easy. So dont be afraid. Itis so simple. Let`s try.

Korean sentence consists of group of words. And each group consists of two parts. The first part is the meaning part andthe second part is the grammar part. So if you know some Korean letters, you can find them easily.

Ex1) . Group 1 : is the meaning part and is the grammar part.Group1 Group2 Group 2 : is the meaning part and is the grammar part.

Lets start with a verb. Finding verb is very simple. At the end of a sentence, you can find - , , or . The wordgroup which includes that letter is the verb of a sentence. And usually the last group of words is the verb. In the exampleabove, is a verb. Is it easy?

Next is finding the subject. It is also very easy. The subject is usually first or second group in a sentence. In this group,maybe you can find , , , and . If one of them is in the group of word, definitely that is the subject of a sentence.But sometimes you cant find them in a sentence because Korean doesnt like to say subject especially in speaking. In theexample above, is the subject.

Last one is finding the object of a sentence. You can findthe group of words with or in the middle of thesentence. That group is the object. In the example above,we cant find the object because that is a simple sentence.I made another sentence as below.

Ex2) .G1 G2 G3

This sentence consists of three groups of words. G1 is thesubject. It has . G3 is the verb. We can find in thatgroup. And G2 is the object. Because, it has .

Now, you can find the S, O, and V. If you have a diction-ary, you can also look for its meaning.

Lets practice

.

.

.

.

.

?

Can you find the subject, object, and verb? How isthe (Korean Language)? It is so simple.You can do it. I believe in you!

Now, I will give you another assignment. Choose ashort article or short story with your own choice atnewspapers, books, or internet, and then find the S,O, and V. I think you can do it.

See you next time! !!!!

JANUARY

3 - Eduardo Teodoro IIIBernardo Bautista

4 - Cristina Pugay5 - Noel Galang6 - Dierde Empeso

Johnny Quidilig8 - Edwin Pepito

Geraldine Dizon

12 - Helen Ordonez16 - Melvin Fonseca17 - Jemma Caiteno31 - Rowena Manaig

FEBRUARY

2 - Precy Villaveza4 - Rebenson Recana6 - Glicerio Libunao

Jovencio Araquel7 - Daizy Paez8 - Perry Como

Juanito Abellera10 - Wowie Barrion

11 - Revie Joy Recana12 - Reynaldo SelinBernabe Rivera

13 - Renato Villegas19 - Annabelle Salcedo20 - Nilo Firme

D I S C L A I M E R

Different opinions are encourage to stimulate mem-ber input and involvement.SULYAPINOY s role isto provide information that permitsFEWAmembersto develop informed opinions on subjects that will affect their status as migrant workers and, in someinstances, their personal lives.FEWA does not hold itself responsible for statements madeby any contributor. Statements or opinionsexpressed in SULYAPINOY reflect the views of the author(s) and not the official policy of FEWAunless so stated.


9/12 SULYAPINOY JANUARY 2008 9

ENTERTAINMENT

Hwoe-Sa Myeong Company NameSeong Myeong Name

Bu-Seo Myeong Department Name Sa-Beon Employee Number ; Jik-Wi Job Position

Geup-Yeo Hyeong-Tae Salary FormJi-Geup- Aek Payment [Salary] Breakdown

Ji-Geub Nae-Yeok Payment [Salary] BreakdownSu-Dang Nae-Yeok Allowance Breakdown

Gi-Bon-Geup Basic Salary

Gi-Bon Geup-Yeo Basic Salary Eop-Mu Su-Dang Duty Allowance Jeong-Sang Geun-Mu Normal Work Salary

Shik-Dae Ya-Geun Night-duty Food AllowanceShik-DaeFood Allowance

Sang-Yeo-Geum Bonus (Received during & )Teuk-Byeol Sang-Yeo-Geum Special Bonus

Su-Dang Chong-Gye Total Allowance Ji-Geup Hap-Gye-Aek Total Payment (Gross Salary)

Ji-Geup Chong-Aek Total Payment (Gross Salary)Chong Ji- Geup-Aek Total(Gross Salary)Payment

Gong-Je Nae-Yeok Deduction [Salary] BreakdownGuk-Min Yeon-Geum National Pension Geon-Gang Bu-Heom Health InsuranceUi-Ryo Bo-Heom Medical InsuranceGo-Yong Bo-Heom Employment InsuranceShik-Dae Gong-Je Food Expenses Deduction

Ga-Bul-Geum Advance Salary PaymentGyeol-Geun Absences ; Ji-Gak TardinessJo-Toe Undertime ; Gi-Ta Gong-Je Other Deductions

Gong-je Chong-Aek Total(Salary)DeductionsGong-Je Hap-Gye-Aek Total(Salary)Deductions

Su-Deuk-Se Income TaxJu-Min-Se Resident Tax

Teuk-Byeol Seong-Gwa-Geup Incentives (Performance Based)Yeon-Jang Geun-Mu Overtime Pay (normal day overtime including Saturday) Gi-Bon Yeon-Jang Basic Pay (Special Process) Jan-Eop Su-Dang Overtime Pay (normal weekdays overtime)

Jan-Eop Shi-GanOvertime Hours (normal weekdays overtime) Shi-Gan-Woe Su-Dang Overtime Pay (normal weekdays overtime)

Teuk-Geun Su-Dang Special Overtime Pay (Saturdays, Sundays and Official Holidays) Teuk-Geun Shi-GanSpecial Overtime Hours (Saturdays, Sundays and Official Holidays)

Teuk-Geun Jan-Eop Su-DangSpecial Overtime Pay (Saturdays, Sundays and Official Holidays) Teuk-Geun Jan- Shi-GanSpecial Overtime Hours (Saturdays, Sundays and Official Holidays)

Shim-Ya Su-Dang Night-work Differential (fall-in from 10:00PM - 6:00AM night-work) Shim-Ya Shi-GanNight-work Hours (fall-in from 10:00PM - 6:00AM night-work)Ya-Geun Su-Dang Night-work Overtime Pay (Work until 10:00 PM only)Yeo-Seong Su-Dang Woman Work Allowance (Applicable for women only)

Topic: Geup-Yeo Myeong-Se-Seo Salary Slip

By: Dave & AlwyinReviewed by: Angela, Korean Teacher of Miriam Center School

By: Sofonias Chabok Paragsa

Instructions: 1) Fill the white squares with numbers 1 to 9so that they add up to the sums shown inhighlighted squares (gray color).2) A gray color square will show one or two

numbers separated by a diagonalline.3) A number that is above the diago-nal line is the sum of the row of whitesquares to its right.4) A number that is below the diago-nal line is the sum of the column of white squares beneath it.

Two important rules: 1) There are no zeroes.2) Do not put the same number ineach sum of the row of whitesquares to its right or column be-neath it.

ACROSS1) Summer 2) to sleep4) place of origin7) beautiful9) Monday11) cooking12) fruit

DOWN1) together 3) factory5) grateful, thankful6) name7) no (with respect)8) coffee shop9) monthly salary10) Sunday

Answer to December Issue

By: Dondave Jabay

Congratulations!!!Nestor Arenas (first person who got the correct answer)&Amie Sison (2nd person person whogot the correct answer)

Answer to December Issue


10/12

LITERARY


YEAR OF THE RAT Bro. Joel Y. Tavarro

Marami sa atin ang naniniwala sa mga maling kasabihanSubalit sa mga salita ng Diyos ay halos hindi

mapakingganMga pangaral,mabuting balita at tamang katuruan

Tungo sa kabutihan para sa ating kaligtasan.

Year of the rat, panahon ba ng taghirapIsang paniniwala na kapos sa kaalaman

Kung katawan ay tamad at hindi makapag banatMalamang maghirap, mamatay na ang mata ay dilat.

Maling paniniwala hindi dapat pagtuunanHuwag panaligan ang pamahiing walang batayan

Sapagkat isa itong likha o gawa-gawa lamangMaaring kathang-isip mula sa dakilang batugan.

Paanong hindi mauubusan ang iyong pitakaKung ang laman ng isip ay puro pag aaksaya

Beer house, sugalan at babae ay madalas na iyong puntaTiyak ang bulsa ay butas, wala pang napala.

Walang habas na pag gasta at bukas ay nakatangaGawain na hangal masabi lang na may kaya

Asal talangka na minana pa noong unaHabang sa kasalukuyan nangyayari at ginagawa.

Kalimutan na ang ganitong panukalaWalang hatid na tulong isa pa ay nakakasama

Kung paniniwalaan hindi makakamtam ang biyayaKung hindi magsisikap walang maabot na pagpapala.

Panghawakan ang mga salita sa banal na kasulatan

Sapagkat si Yahweh ang ating sandiganManalig ka sa kanya at ibibigay ang pangangailanganSiya ay magpakailanmang Diyos ang hari ng sanlibutan.

BATA KA PABATA KA PABATA KA PABATA KA PA Amie Sison

Bata ka pa lang nang ika'y aming sinuportahanPagkat ang iyong Ina ay mura pa ang isipanSinalo namin ang lahat nang iyong pangangailanganMagandang kinabukasan sayo ilalaan.

Hanggang sa ako ay napunta dito sa KoreaMga pinansyal na pangangailangan sinalo ko mag-isaPag aaral at luho mo ay masuportahan kaKahit good grades na kapalit ito'y sapat na.

Naging masama ang loob ko nang ika'y naglokoMas pinili mo pa ang barkada moAt pag aaral ay itinigil moNasayang ang lahat ng naitulong ko.

Lumalayo ka sa ating pamilyaAkala mo kaya mo mag isaNakikitira sa iyong barkadaLulong sa akala mong buhay na maganda.

Pagdating nang araw magsisi ka rinSa tigas ng ulo mo di namin kayang pigilinSa murang edad mo ikaw na ay nagmamagalingSa hamon ng buhay kaya mo nang harapin.

Di pa huli para sa isang pagbabagoKung babalik ka ika'y muling tatanggapin koPagkat isa ka sa mga responsibildad koIpagdasal ko na lang ang takbo ng buhay ko.

PAKIKIPAG - RELASYON ni Rogelio P. Domingo Jr.

Kadalasan,ang pagkakaibigan ay nasusubukan sa pamamagitan ng pagkakalayo at pagiging tahimik ng isa't isa; maaaring malayo kayo sa isa't isa o di nakakapag-usap. Sa iyong pakikipagkaibigan sa Panginoon, hindi mo palaging mararamdamang malapit Siya sa iyo. "Lahat ng pakikipagrelasyon ay may panahon ng pagigingmalapit at may panahon ng pagiging malayo," at sa ating pakikipag-ugnayan sa Panginoon, kahit na gaano pa ito kalalim, ay may panahon na magiging ganoon. Dito nagiging mahirap ang ating pananampalataya.

Madaling sumampalataya sa Diyos kapag maganda ang takbo ng buhay mo---kapag pinagkakalooban kaNiya ng pagkain, mga kaibigan, pamilya, kalusugan, at masasayang sitwasyon. Pero hindi palaging kaaya-aya ang mga nangyayari sa atin. Kapag nagkagayon, paano ka sasampalataya sa Diyos? Ano ang gagawinmo kung ang Diyos ay parang isang milyong milya ang layo sa iyo?

Kapag ang Diyos ay tila malayo, puwede mong isiping nagagalit Siya sa iyo o kaya'y dinidisiplina ka dahil saisang kasalanan. Talagang pinuputol ng kasalanan ang pagka-malapit mo sa Diyos. Pinalulungkot natin angBanal na Espiritu at pinapatay natin ang apoy ng ating pakikipag- ugnayan sa Kanya dahil sa ating pagsuway, pakikipag alitan sa iba, sobrang kaabalahan, pakikipagkaibigan sa mundo, at iba pang mga kasalanan.

Ngunit kadalasan, ang pakiramdam na iniwan ka ng Diyos o nakahiwalay ka sa Kanya ay walang kinalamansa kasalanan. Ito'y isang pagsubok sa ating pananampalataya -isang pagsubok na kailangang harapin nat nglahat. Patuloy ka bang iibig, magtitiwala, susunod, at sasampalataya sa Diyos , kahit na hindi mo nararamda-man ang Kanyang presensiya o kaya'y wala kang makitang ebidensiya na may ginagawa Siyang mabuti sabuhay mo?

Halimbawang wala ngang nagawa ang Diyos para sa iyo, karapat-dapat pa rin siyang makatanggap ng papuri mula sa iyo habang buhay. Ito'y dahil sa ginawa ni Jesus sa krus para mailigtas ka. Ang Anak ng Diyos ay namatay para sa iyo! Ito ang pinakadakilang dahilan ng pananampalataya natin sa Kanya.

Ang karaniwan pagkakamali ng mga Katoliko ngayon sa pananampalataya ay maghanap ng isang karanasankaysa maghanap sa Diyos. Naghahanap sila ng isang klase ng damdamin, at kapag ito'y naganap, sa tinginnila'y sumasammpalataya na sila. Mali! Ang totoo, madalas alisin ng Diyos ang mga emosyon natin para hindi tayo umasa rito. Ang paghahanap ng isang damdamin, kahit pa ang pakiramdam ng pagiging malapit kay Cristo ay hindi pananampalataya.

Madalas para kang bata kung manalangin at ang mga dasal mo'y puro makasarili--pero sinasagot din Niyaang mga ito para malaman mong Siya'y totoo. Habang lumalago ka sa pananampalataya, unti -unti ka Niyang

tuturuang huwag umasa sa ganitong sistema.

Oo nga't nais Niyang madama mo ang Kanyang presensiya, pero mas gusto Niya ang magtiwala ka sa Kanyakaysa sa maramdaman mo Siya. Pananalig, hindi damdamin ang nakalulugod sa Diyos.

Paano ka magpupuri sa Diyos kung hindi mo naiintindihan ang nangyayari sa buhay mo at ang Diyos ay tahimik? Paano mo pananatilihin ang ugnayan mo sa Kanya kapag dumadaan ka sa isang krisis at walakayong komunikasyon? Paano ka mananatiling nakatitig kay Jesus kung ang mga mata mo ay puno ng luha?

Ang pinakamalalim na antas ng pananampalataya ay ang pagpupuri sa Diyos Kahit na tayo'y nasasaktan, pagpapasalamat sa Kanya sa gitna ng isang pagsubok, pagtitiwala sa Kanya kapag tayo'y natutukso, pag-suko sa Kanya sa gitna ng pagdurusa, at pagmamahal sa Kanya kahit na Siya'y tila malayo. Kung nadaramamong iniwan ka na ng Diyos ngunit patuloy ka pa ring nagtitiwala sa Kanya, ikaw ay sumasampalataya saKanya sa pinaka malalim na paraan.

Kamusta na kayo mga kasamahan at kaibiganDalawang taon na rin ng ang bayan ay ating nilisanSa ibang bansay nagtungo upang hanapin ang kapalaranHangarin ng bawat isa'y mapabuti ang kalagayan.

Sa TESDA noon ay nagkita-kita, naalaala n'yo pa ba?Iba't-ibang istorya ng buhay, ibinahagi sa isa't-isaWalang ibang minimithi kundi ang pamilya'y maiahon sa hirapKaya itong pagpupunyagi ay ginawa ng lubusan.

Ngayon nga ay nandito na sa dayuhang bansaPakikisama at pakikipagkaibigan ang ating sandataKalasag ay taimtim na dasal ay huwag kalimutan,Sapagkat ito ay susi tungo sa katagumpayan.

Ang bawat isa'y may kani-kanyang layunin at ambisyonHuwag lamang kaligtaan mga mahal sa buhay na ating inspirasyItuon ang isip sa trabaho para sa mga obligasyonHigit sa lahat huwag makalimot sa ating mahal na Panginoon. Kahit na abala, di dpat pabayaanKatawan ay ingatan na tangi nating puhunanGatas, bitamina, at prutas para sa mabuting kalusuganUpang malayo sa sakit at hindi dapuan.

Katuparan sa mga pangarap ngayon ay abot kamayDalangin ko sa lahat kamitin yaring tagumpayHuwag din sanang kalimutan saan man magpuntaAnuman ang iyong marating sa pakikibaka.

TESDA Batch '96 ,di dapat mawaglit sa inyong gunitaMasayang samahan at kulitan sana'y ating balikanDahil minsan ay nadama ang nakatutuwang barkadahanPangungumusta ko sa inyo, sa tula na lamang idinaan.

TESDA BATCH '96Marvin M. Babasa


11/12 SULYAPINOY JANUARY 2008 11

OUR SPONSORSDear Ramil,

Bilang Overseas Filipino, one of the most important things to learn is financial discipline. Mayroong dwang important elements ng financial discipline.

First ay ang self-discipline o disiplina sa sarili kung ano ang gagawin sa perang kinikita. Parati mong isna kaya ka pumunta sa Korea ay para bigyan ng magandang buhay ang iyong pamilya.

Ang perang inuubos mo sa iyong bisyo ay perang mailalaan mo sana sa kinabukasan nila. Masaya taykapag nakakapagpadala tayo ng malaki sa Pilipinas. Kaya lang kailangan ng plano at sistema sa pagpapadala

Planning is an important part of self discipline. Decide how much and how often youll send money to your faThis way sigurado tayong sapat at tama at darating sa tamang oras ang ating padala! The lack of a systematiplan in sending remittances is the main reason kung bakit karamihan sa atin ay hindi nakakaipon.

Second ay ang family discipline. Ito ay ang pamumuhay ayon sa nakapagkasunduang budget at pagiingat sgastos ng padalang pera. Magkano nga ba ang tamang family budget? Ganito po ang suggestion ko. Magandang pagusapan bilang isang pamilya ang current na gastusin. Kailangan pagkasunduan ang monthly expenseKung noong bago ka umalis ay nagkakasya ang monthly budget na P15,000 ay maaari lamang tumbasan ingaung nandito ka na uli sa Korea. Responsibility ng pamilya mo na mamuhay ng tama at pagkasyahin anagreed upon monthly budget. Itabi ang extra para sa savings na magagamit para sa emergency needs o speciaoccasions.

Bukod sa regular na padala ay darating din ang oras na hihingi sila ng additional money for unplannexpenses or emergencies. That is why it is very important to stay connected or to keep in close touch with yofamily. Kailangan updated ka sa mga latest tungkol sa iyong pamilya. Lalo kung may important developmerequiring financial decisions o additional na gastusin. Be involved! Ikaw ang kumikita ng pera. Kahit na malasa pamilya, you have a right and a responsibility to help your family spend that money wisely. Para di mapuang ating pinagpaguran sa wala let me share with you the secret kung paano tayo makakaipon ng sigurado. Asecret ay sa pagbabago ng relationship between income, savings and expense. Sa ngayon, chances are ganitoang formula na ginagamit natin. Incomeminus expense is equal to savings. Itinatabi lang naten ang perangnatira pagtapos tayo gumastos. Minsan ay wala pang natitira dahil ang ating expenses ay kasing laki lang nating kita. Worse ay ang ating expenses ay higit pa kaysa sa ating kita kaya tayo nagkakautang. Paano kaykung baguhin kaya natin? Incomeminus savingsis equal to expense. Yan po ang suggested formula that isGUARANTEED to help save money for your future.

Kung mayroon po kayong tanong on how to manage your finances ay maaaring mag-email [email protected] inyo namang remittance, maaari po kayong magpadala sa BPI through WooriBank at very low remittance fees and competitive exchange rates. Ang Woori Bank Hyehwadong Branchbukas kada lingo. Maaari kayong magpadala credit to your BPI, BPI Family Bank and BPInoy Savings AccoPwede ring pick up at any BPI branch, door-to-door and credit to other banks.

Ate Rose

Ni-renew po ng employer ko ang aking contractsa Korea. Hindi po ako nakapag-ipon nung unakong punta dito dahil akala ko ang maginhawangbuhay ay walang katapusan. Naubos ko po angpera sa kakainom at kaka-noraebang. Ang asawako naman po ay naubos ang aking padala sakakapunta ng mall para magshopping. Bigyan nyonaman po ako ng financial management tips parathis time ay makap-ipon naman ako para mabi-gyan ng magandang kinabukasan ang aking

pamilya.

Magandang araw po sa lahat! Salamat po sa pagtangkilik sa pahayagang ito. Simula po saisyung ito ay matutunghayan ninyo ang akingcolumn. Naisip ko pong maglabas ng ganitongcolumn sapagkat maraming mga Pilipino na hindi makauwi sa Pilipinas o makahinto sa pagtatra-baho sa ibang bansa dahil sa kanilang palagay ay di pa sapat ang kanilang naipon o perangnaitabi upang magpatuloy ng bagong buhay saPilipinas. Naisip kong masmagandang maka- pagbahagi ako ng financial management advice para sabay sabay naten maiuwi ang pangarap ngating mga pamilya. Let me share with you a letter sent by an OFW in Banwol.

Dear Ate Rose,

Sincerely,Ramil Dimaguiba

===================================


12/12

Documents

Sulyap Jan 2008 (Final)