Rebenson B. Recaña, SULYAPINOY Chief Edi- levels concerning the EPS and entertainment sec-
tor; Elizer M. Penaranda, SULYAPINOY Feature tors. The Focused Group Discussion is one of the
Editor together with the Philippine Migrant Work- effective ways to gather factual inputs to be in-
ers Association - Incheon Chapter (PMWAK) cluded in the report.
officers: Aldrin D. Igana, president; Joey Noble-
jas, vice-president; and other EPS group repre-
sentatives seriously collaborated and discussed
the various problems that may intervene and
affect the working condition of the EPS sector
from the pre-departure up to the re-hiring period
of the worker. The group came up with the output H yehwadong, Dec 16, 2007 - The Filipino
EPS Workers Association (FEWA) has
concluded its first fundraising campaign to subsidize
as presented on the table. (Refer to page 5)
Focused Group Discussion: LABATT Cruz presides as participants Fr. Glenn Giovanni B. Jaron, MSP, former the organization’s mission, which emphasizes vol-
listen - Fr. Glenn Giovanni Jaron, MSP; Fr. Alvin Parantar, MSP; unteerism, and public service. In conjunction, the
Pastor Jones Galang; Pastor Zeppelin Canlas; Pastor Nicolas chaplain of Hyehwa-dong Filipino Catholic Com-
Cepe Sr.; Rev. Frank Hernando; Sr. Lucia Olalia, SJBP; Prof. munity didn’t hesitate to give comments on the event also culminated the year as FEWAnians cele-
Emely Dicolen-Abagat, Ph.D.; and other representatives. previous working partnership between the NGOs brated a cheerful Christmas Party.
and the Philippine Embassy since he served the
I TAEWON, SEOUL — Philippine Overseas
Labor Office (POLO) held a focused group
discussion on current problems and issues of Fili-
Filipino Community in South Korea for almost 10
years. He said, “No man is an island. Before, the
The “holiday party” was a great chance to mingle
mixed with some genuine fun and camaraderie.
Approximately 30 attendees enjoyed the quite feast,
NGOs didn’t trust the Philippine Embassy and
pino EPS workers and entertainers at the Philippine exciting parlor games and prizes.
vice-versa, until former Ambassador Villacorte
Embassy last December 9, 2007.
showed his concern which prompted him to sup-
Labor attaché, Atty. Delmer R. Cruz together Among the highlights of the occasion were the
port the advocacy of the NGOs.”
with his POLO staff, presided the forum and dis- Awarding of Certificate of Recognition to SULYAPI-
“Also, mutual trust is very necessary for the
cussed on pointers, recalls, issues and concerns NOY Board of Publication and its Editorial Staff,
Philippine government and the NGOs to become
about Employment Permit System and entertainers. exchange gifts, and the much-awaited raffle draw.
a more powerful and effective forces in helping
Representatives from different sectors of the
out our fellow kababayans,” the priest concluded.
Filipino community such as religious groups, NGOs, Winners were the following: Yeye Duarte,
Former Ambassador Susan O. Castrence
entertainers’ and EPS workers’ representatives Avelino Casion Jr, and Jim Cayetano who received
created a committee within the embassy headed
have participated the event and came up with differ- KRW 1,000,000; KRW 600,000; and KRW 300,000
by Labatt Cruz together with Consul General Juan
ent interventions which focused on every worker’s respectively. Ten consolation prizes are also given
Dayang, OWWA Senior Welfare Officer Elizabeth
living and respective working conditions. away during the draw.
Marie R. Estrada, and Welfare Officer Esperanza
FEWA officers and members: Loreto H. Agustin,
Cobarrubias to come up with the report and rec-
president; Aquilino J. Juanites Jr., board member;
ommendations from both operational and policy
M ore than two years have passed after the Fili- MAAWA naman
pino migrant workers in Korea expressed strong kayo sa AMIN!
opposition to the Bilateral Social Security Agreement Hwag nyo naman
MGA BAYANI! Your
FUTURE & SECURITY
between the Philippines and South Korea. kami gawing is my PRIORITY!
Different sectors, especially the EPS workers, joined GATASAN!
the campaign by gathering signatures to show their rejec-
tion of the Bilateral Agreement signed by the Philippine
Foreign Affairs Secretary, Alberto G. Romulo and the
Minister of the Korean Ministry of Foreign Affairs and
Trade (MOFAT), Ban Ki-Moon. Until today, the position
of the EPS workers remains the same - refusal to com-
promise.
Under the Bilateral Agreement, the EPS workers are
now entitled to social security benefits such as retirement,
disability, accident, and death insurance as part of the
benefits program of the Social Security System (SSS).
As a result, the worker’s monthly NPS contribution which
is supposedly to be claimed by them in lump sum after
the end of their contract is now impossible since the said
contribution shall be forwarded to social security
agency’s account. While those workers whose contract
are not under Employment Permit System cannot also
claim the said benefits as they shall also be covered
under the Korean National Pension System (NPS).
Moreover, this measure could eventually lead to corruption. The money
which is the fruit of the EPS workers’ years of hard labor can become an easy
target for some greedy government officials in the Philippines, particularly in
the social security agency. There are also speculations claiming that if this
money 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- T he Focused Group Discussion which brought out the problems on the
workers under the Employment Permit System (EPS) and among enter-
tainers has given Philippine Overseas Labor Office (POLO) Labor Attaché Atty.
ers in working and waiting for their well-deserved benefits may just end up in
frustration and grief. Delmer R. Cruz the opportunity to report the disappointing result on the number
of passers of the last EPS-Korean Language Test (KLT) held in May of 2007.
The workers do not only have the right to be informed and consulted but,
We are asking why it happened for a lot of applicants are waiting to be included
more importantly, they have the right to make decisions on issues concerning
in the roster of jobseekers under the EPS program in Korea.
the status of their NPS contribution and other labor-related issues. The Korean Language Test or KLT has been implemented in the Philippines
The workers’ right to decide where to allocate their contribution and bene- thru the Philippine Overseas and Employment Agency in September 2005. In
fits granted by the NPS of Korea should be upheld. The Philippine govern- the year-end report of the agency, Director Nimfa De Guzman of the Gov't.
ment should realize how miserable is the life of an OFW and how necessary Placement Branch of the POEA told SULYAPINOY that there were a total of
is the NPS in the reestablishment of their economic condition upon returning 19,807 workers deployed to Korea since the Memorandum of Understanding
back. (MOU) between the Department of Labor and Employment of the Philippines
On the other hand, the Korean government should not allow the NPS and the Ministry of Labor of the Republic of Korea was ratified in 2004.
contributions and benefits to be sent into the hands of some corrupt officials. However, it is unlikely noticeable that the last KLT in the Philippines was held
As Sangsu Lee of the Ministry of Labor of Korea expressed during last year’s eight months ago. KLT takers and even our officials have queried and pre-
celebration of International Migrants’ Day, he wished that the migrant workers sumed that those who were not able to get the passing score will be qualified to
can go back home with “a big smile on their faces.” The Korean government work in minor sectors like construction, agriculture, fisheries and livestock. Many
should make sure their decisions do not betray their intentions for the migrant Koreans and foreign workers are avoiding such industries for they are quite
workers. difficult, have few exemptions from labor rights and even hazardous to health. In
effect, the Philippine Embassy has requested an additional of $100 from the
Ministry of Labor of Korea as hazard pay for those who would like to take the
risk. Unfortunately the request was not granted.
EDITORIAL Also, the foreign workers’ dean of the Ministry of Korea has noticed the fre-
STAFF quent transfer of workplace among Filipino workers and too much assertive on
our labor rights by which many Korean employers were discouraged. But we’re
just using our labor rights as promulgated by the MOL for our protection. The
Editor-in-Chief: Rebenson B. Recaña Managing Editor: Dondave Jabay MOL has the record of the increasing number of physically and even sexually
News Editor: Edward A. Castro Feature Editor: Elizer M. Peñaranda abused workers; records show that there are abusive employers.
Literary Editor: Amie Sison Graphics: Wayne D. Manabat
For this year, POLO has been vocal about the remaking of the matrix for the
Circulation Managers: Alwyin A. Casiño, Aquilino J. Juanites Jr. EPS workers. It is good to start the New Year with new resolutions for the Fili-
Contributors: POLO Office; Hong Hee-Chang; Angela; Rogelio P. Domingo Jr.; pino migrant workers.
Joe Y. Tavarro; Marvin M. Babasa We are optimistic as we look forward for these new resolutions to help im-
Layout: blythe Cartoonist: Alden C. Balgos prove the working as well as the living conditions of the EPS workers from pre-
Consultant: Fr. Alvin Parantar, MSP employment periods most likely in sending workers for minor sectors up to the
Office Address: 115-9 Songbuk-gu, Songbuk-dong, Seoul Korea re-hiring periods which includes benefits and insurances. These resolutions will
Editorial Address: OK AIRTEL VISION ASIA, Vision Bldg. # 85-3, Hyehwa- serve as prevention to all EPS workers from engaging into any types of work-
dong, Jongno-gu, Seoul, Korea (in front of the Hyehwa-dong
Catholic Church, Line 4 (Blue) Exit # 1 Tel. No. 02-744-0066 related hazards and eventually may change our misunderstood vulnerable
image into highly commendable and very competitive Filipino workers.
problems. Unfortunately his employer out of anger unfolds its promises. The end of the year is also a Realistic - We've only got so many hours in the day,
“released” him out. Until in August last year, after great time to reflect on 2007. It is the best time to so let us make our goals realistic based on what re-
losing the work permit due to three “releases” he review the holistic aspect of our life. sources and tools we've got on hand. To be realistic, a
decided to run back home and reapply for EPS in goal must represent an objective towards which we
Korea this year. Being the somewhat pessimistic person that I am, I are both willing and able to work. A goal can be both
usually tend to focus on what went wrong in the high and realistic; we are the only one who can decide
And Edwin, a BS Engineering graduate from Bula- previous year. But I realized it was also good to of how high our goal should be.
can has no work experience also in manufacturing think about what went right as well -- how God
company. Like Boyet, he was not exposed to manu- showed His faithfulness to me. Now, as I start Timely - A goal should be grounded within a time
facturing type of work. He used to design buildings setting up my goals and resolutions, I am inviting all frame. Without time frame tied to it there's no sense of
and bridges in metro Manila. But in Busan, he was of you to do the same too. urgency. Since these are New Year's resolutions, set
exposed to grinding metal parts in a shipyard for he goals that you can reach utmost within the next 12
worked for a metal fabrication company. He was I suggest writing down a list on how God have been months. Giving ourselves “deadlines" of sorts will help
used to the “pali” system and worked for long hours. good to you in 2007. In the family, health, work, us figure out where and when we should be while
Also, he patiently treated his co-workers well de- business, friendship, community, love affair, and tracking our progress.
spite of the vulgar words like “sikya” and “shibal”. others -- let’s think of ways on how God showed (continue to next page)
A ccording 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 many
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 fresh
start. Ventures begun now may not yield fast returns, but opportunities will come for people who are well prepared and resourceful. The best way
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 an Earth 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, sociable and
family-oriented. They have broad interests and strong ability in adapting to the environment and able to react adequately to any changes. They are gifted in many
ways 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 every-
thing 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 definitely lies
on our own attitude and will. The Year of the Rat doesn’t have the magic or power to make them happen for us. We are the one who can decide and nurture these
positive challenges to make our life different as we go along throughout the year.
외국인근로자 고용 업체를 위한 (You cannot reduce the current salary of the worker by using this minimum wage regulation).
최저임금액 Ex. 1: If the company already reduced the working hours (from 44 hrs. to 40 hrs.), the minimum wage should be:
원 시간
- 3,770 x 209원 = 787,930
(Minimum Wage Rate)
- 3,770Won x 209 hrs = 787,930 Won
시간급: 3,770원 (8시간 기준 일급 30,160원) • 예시 이후 근로시간이 단축되는 경우 월 최저임금
2) ’08.7.1 ( )
Hourly Rate: KW 3,770 Won per hour (8-hour Ex. 2: If the company will reduce the working hours after July 1, 2008 (monthly minimum wage)
standard daily rate: KW 30,160 Won)
- 단축전 원 시간 원
: 3,770 x 226 = 852,020
5. 진행자 : 근로자 52 Saturdays x 4 hours/Saturday = 208 hours (Half of 8 hours, for Sat. working days)
208 hours/ 8 hours x 1 day = 26 days
- 고용주가 재고용에 동의한외국인 근로자는 365 days - 26 days = 339 days
다음 서류를 구비하여 본국으로 돌아갑니다. 339 days/year ÷ 12 months/year = 28.25 days/month
28.25 days/month x 8 hours/day = 226 hours/month
1. Re-employment Application Form
Ways of computing Minimum Wage
2. CCVI 1)Minimum Wage/month = 226hours/month.x rate/hour
-근로자는 한국에서 출국한 날을 기준으로 1개 2)Minimun Wage/day = 8 hours/day x rate/hour
월 후에 한국에 재입국할 수 있으며, 한국에 재
3)Minimum Wage/month= 28.25 days/month (average working days/month) x rate/day
용주의 폐업이나 고용주의 임금 미지불 둥 불가 Three Years Re-Employment when the worker applies for Visa.
3. At the POEA, proceed to BALIK MANGAGAWA
피한 경우는 제외)
System Procedure section.
참고: 2007년 6월 1일 부터 실효
• 기타 자새한 내용은 노동부 홈페이지 1. An employer has to renew labor contract within
(www.molab.go.kr) 30-90 days prior to expiration of worker’s VISA.
• 원클릭가이드 외국인을 참조하시 거나 노
2.The employer applies for worker’s Visa, within two SULYAPINOY called up both HRD-Korea and
(2) weeks upon application and if approved, a Cer- POLO and confirmed that the rumor about the cancel-
동부 종합상담센터 (국번없이 1350)로 문
tificate of Confirmation of Visa Issuance (CCVI) is lation of the Re-Hire Program for EPS is NOT TRUE.
의하시기 바랍니다.
issued by the Immigration Office. In some cases, Fr. Alvin Parantar, Chaplain of the HFCC, warned
• 더욱 자세한 내용은 고용지원센터 only a Secret Control Number is given to the em- the community that there may be some groups that
1588-1919로 문의하시기 바랍니다. ployer. Only the CCVI or he Secret Number is initiated a misinformation campaign to pursue their
required by the Korean Embassy in the Philippines, agenda. Beware!
안녕하세요!
안녕하세요! Hello everyone! we can’t find the object because that is a simple sentence.
I made another sentence as below.
I am 홍희창 (Hong Hee-Chang). It’s my pleasure and honor to share basic Korean les- Ex2) 나는 사과를 먹습니다.
sons to you. Currently, I am teaching Korean language at Miriam center and it’s my honor G1 G2 G3
to extend my teaching service to other foreign workers in Korea especially to those people
who will receive and read the SULYAPINOY newsletter. This sentence consists of three groups of words. G1 is the
subject. It has 는. G3 is the verb. We can find 다 in that
From this month, I will start basic Korean topics. But before we start, let’s talk first about 한 group. And G2 is the object. Because, it has 를.
국어 (Korean Language). I think you tried to study Korean since you came here but many
Now, you can find the S, O, and V. If you have a diction-
times you gave up. Maybe because 한국어 is not easy to study along. Also, maybe you
ary, you can also look for its meaning.
don’t have enough time to study because every day or night you are working. And actually,
you don’t have enough time to talk with Korean people.
Let’s practice…
Let’s try again! Now, we have a great chance to study 한국 in SULYAPINOY newsletter.
당신은 필리핀사람입니다.
You can study with me. Maybe a few months later, you can read and understand Korean. I am sure you can do it because
나는 회사원입니다.
every student in my class at Miriam center had showed me a positive trend that they can do it and actually they did it. So I
believe in you too. 우리는 당신을 사랑합니다.
나는 바나나를 좋아합니다.
Now it’s time to start. Our first lesson is about “안녕하세요” and “감사합니다”. “안녕하세요” is like ‘hello’. And it
저것을 주십시오.
includes “How are you?” When you meet somebody like your Boss, friends, say “안녕하세요”. You meet a co-workers
이것은 무엇입니까?
in the company, say “안녕하세요”.
Another necessary expression is “감사합니다”. It means “thank you”. When somebody gave you a kindness or helpful Can you find the subject, object, and verb? How is
acts or words, please say 감사합니다. It is the best way to say or show your gratitude in Korean. the 한국어 (Korean Language)? It is so simple.
You can do it. I believe in you!
A greeting is very important in Korea. If you don’t say hello or thank you, Korean may think that you don’t have a good
manner. Don’t be shy to say “안녕하세요” and “감사합니다”. Now, I will give you another assignment. Choose a
short article or short story with your own choice at
Our second lesson is how to look for a subject, object, and verb in a Korean sentence. It is very easy. So don’t be afraid. It newspapers, books, or internet, and then find the S,
is so simple. Let`s try. O, and V. I think you can do it.
Korean sentence consists of group of words. And each group consists of two parts. The first part is the meaning part and
the second part is the grammar part. So if you know some Korean letters, you can find them easily. See you next time! 다음시간에 만나요!
만나요!
Ex1) 나는 학생입니다. Group 1 : 나 is the meaning part and 는 is the grammar part.
Group1 Group2 Group 2 : 학생 is the meaning part and 입니다 is the grammar part.
Let’s start with a verb. Finding verb is very simple. At the end of a sentence, you can find ‘-다’, ‘까’, or ‘요’. The word JANUARY FEBRUARY
group which includes that letter is the verb of a sentence. And usually the last group of words is the verb. In the example
above, 학생입니다 is a verb. Is it easy? 3 - Eduardo Teodoro III 2 - Precy Villaveza
Bernardo Bautista 4 - Rebenson Recana
Next is finding the subject. It is also very easy. The subject is usually first or second group in a sentence. In this group,
4 - Cristina Pugay 6 - Glicerio Libunao
maybe you can find 은, 는, 이, and 가. If one of them is in the group of word, definitely that is the subject of a sentence.
5 - Noel Galang Jovencio Araquel
But sometimes you can’t find them in a sentence because Korean doesn’t like to say subject especially in speaking. In the
6 - Dierde Empeso 7 - Daizy Paez
example above, 나는 is the subject. Johnny Quidilig 8 - Perry Como
8 - Edwin Pepito Juanito Abellera
Dear Readers: Geraldine Dizon 10 - Wowie Barrion
12 - Helen Ordonez 11 - Revie Joy Recana
SULYAPINOY is launching its donation program dubbed as HELP US TO HELP YOU due 16 - Melvin Fonseca 12 - Reynaldo Selin
to the following reasons and objectives: 17 - Jemma Caiteno Bernabe Rivera
31 - Rowena Manaig 13 - Renato Villegas
19 - Annabelle Salcedo
1. Inadequate financial sponsors to support its monthly printing expenses. 20 - Nilo Firme
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.
DISCLAIMER
Different opinions are encourage to stimulate mem-
In this connection, SULYAPINOY is asking your generous support to this program. You ber input and involvement. SULYAPINOYs role is
can give your donation of any amount at SULYAPINOY distribution area or at its office at to provide information that permits FEWA members
OK AIRTEL VISION ASIA (in front of Hyehwa Catholic Church) and Woori Bank during to develop informed opinions on subjects that will
Sundays from 10:00 AM to 5:00 PM. If you have questions please contact (010-9294- affect their status as migrant workers and, in some
instances, their personal lives. FEWA does not
4365 / 010-5143-1628)or email at sulyap_chiefeditor@hotmail.com, hold itself responsible for statements made
sulyap_sports@hotmail.com, or ajuanites@yahoo.com. by any contributor. Statements or opinions
expressed in SULYAPINOY reflect the views of
Thank you to your constant support. SULYAPINOY is wishing you the best the author(s) and not the official policy of FEWA
unless so stated.
throughout the year!
특근수당Teuk-Geun Su-Dang Special Overtime Pay (Saturdays, Sundays and Official Holidays)
특근시간Teuk-Geun Shi-Gan Special Overtime Hours (Saturdays, Sundays and Official Holidays)
특근잔업수당Teuk-Geun Jan-Eop Su-Dang Special Overtime Pay (Saturdays, Sundays and Official Holidays)
특근잔업시간Teuk-Geun Jan- Shi-Gan Special Overtime Hours (Saturdays, Sundays and Official Holidays)
야근수당 Ya-Geun Su-Dang Night-work Overtime Pay (Work until 10:00 PM only)
여성수당 Yeo-Seong Su-Dang Woman Work Allowance (Applicable for women only)
BATA KA PA Paano ka magpupuri sa Diyos kung hindi mo naiintindihan ang nangyayari sa buhay mo at ang Diyos ay
Amie Sison tahimik? Paano mo pananatilihin ang ugnayan mo sa Kanya kapag dumadaan ka sa isang krisis at wala
kayong komunikasyon? Paano ka mananatiling nakatitig kay Jesus kung ang mga mata mo ay puno ng luha?
Bata ka pa lang nang ika'y aming sinuportahan
Pagkat ang iyong Ina ay mura pa ang isipan Ang pinakamalalim na antas ng pananampalataya ay ang pagpupuri sa Diyos Kahit na tayo'y nasasaktan,
Sinalo namin ang lahat nang iyong pangangailangan pagpapasalamat sa Kanya sa gitna ng isang pagsubok, pagtitiwala sa Kanya kapag tayo'y natutukso, pag-
Magandang kinabukasan sayo ilalaan. suko sa Kanya sa gitna ng pagdurusa, at pagmamahal sa Kanya kahit na Siya'y tila malayo. Kung nadarama
mong iniwan ka na ng Diyos ngunit patuloy ka pa ring nagtitiwala sa Kanya, ikaw ay sumasampalataya sa
Hanggang sa ako ay napunta dito sa Korea Kanya sa pinaka malalim na paraan.
Mga pinansyal na pangangailangan sinalo ko mag-isa
Pag aaral at luho mo ay masuportahan ka
Kahit good grades na kapalit ito'y sapat na. Ang bawat isa'y may kani-kanyang layunin at ambisyon
TESDA BATCH '96 Huwag lamang kaligtaan mga mahal sa buhay na ating inspirasyon
Naging masama ang loob ko nang ika'y nagloko Marvin M. Babasa Ituon ang isip sa trabaho para sa mga obligasyon
Mas pinili mo pa ang barkada mo Higit sa lahat huwag makalimot sa ating mahal na Panginoon.
At pag aaral ay itinigil mo
Kamusta na kayo mga kasamahan at kaibigan
Nasayang ang lahat ng naitulong ko.
Dalawang taon na rin ng ang bayan ay ating nilisan Kahit na abala, di dpat pabayaan
Lumalayo ka sa ating pamilya Sa ibang bansa’y nagtungo upang hanapin ang kapalaran Katawan ay ingatan na tangi nating puhunan
Akala mo kaya mo mag isa Hangarin ng bawat isa'y mapabuti ang kalagayan. Gatas, bitamina, at prutas para sa mabuting kalusugan
Nakikitira sa iyong barkada Upang malayo sa sakit at hindi dapuan.
Lulong sa akala mong buhay na maganda. Sa TESDA noon ay nagkita-kita, naalaala n'yo pa ba?
Pagdating nang araw magsisi ka rin
Iba't-ibang istorya ng buhay, ibinahagi sa isa't-isa Katuparan sa mga pangarap ngayon ay abot kamay
Sa tigas ng ulo mo di namin kayang pigilin Walang ibang minimithi kundi ang pamilya'y maiahon sa hirap Dalangin ko sa lahat kamitin yaring tagumpay
Sa murang edad mo ikaw na ay nagmamagaling Kaya itong pagpupunyagi ay ginawa ng lubusan. Huwag din sanang kalimutan saan man magpunta
Sa hamon ng buhay kaya mo nang harapin. Anuman ang iyong marating sa pakikibaka.
Ngayon nga ay nandito na sa dayuhang bansa
Di pa huli para sa isang pagbabago Pakikisama at pakikipagkaibigan ang ating sandata TESDA Batch '96 ,di dapat mawaglit sa inyong gunita
Kung babalik ka ika'y muling tatanggapin ko Kalasag ay taimtim na dasal ay huwag kalimutan, Masayang samahan at kulitan sana'y ating balikan
Pagkat isa ka sa mga responsibildad ko
Sapagkat ito ay susi tungo sa katagumpayan. Dahil minsan ay nadama ang nakatutuwang barkadahan
Ipagdasal ko na lang ang takbo ng buhay ko.
Pangungumusta ko sa inyo, sa tula na lamang idinaan.
Bilang Overseas Filipino, one of the most important things to learn is financial discipline. Mayroong dala-
wang important elements ng financial discipline.
First ay ang self-discipline o disiplina sa sarili kung ano ang gagawin sa perang kinikita. Parati mong isipin
na 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 tayo
kapag nakakapagpadala tayo ng malaki sa Pilipinas. Kaya lang kailangan ng plano at sistema sa pagpapadala.
Magandang araw po sa lahat! Salamat po sa
Planning is an important part of self discipline. Decide how much and how often you’ll send money to your family.
pagtangkilik sa pahayagang ito. Simula po sa This way sigurado tayong sapat at tama at darating sa tamang oras ang ating padala! The lack of a systematic
isyung ito ay matutunghayan ninyo ang aking plan in sending remittances is the main reason kung bakit karamihan sa atin ay hindi nakakaipon.
column. Naisip ko pong maglabas ng ganitong Second ay ang family discipline. Ito ay ang pamumuhay ayon sa nakapagkasunduang budget at pagiingat sa
column sapagkat maraming mga Pilipino na hindi gastos ng padalang pera. Magkano nga ba ang tamang family budget? Ganito po ang suggestion ko. Magan-
makauwi sa Pilipinas o makahinto sa pagtatra- dang pagusapan bilang isang pamilya ang current na gastusin. Kailangan pagkasunduan ang monthly expenses.
baho sa ibang bansa dahil sa kanilang palagay Kung noong bago ka umalis ay nagkakasya ang monthly budget na P15,000 ay maaari lamang tumbasan ito
ay di pa sapat ang kanilang naipon o perang ngaung nandito ka na uli sa Korea. Responsibility ng pamilya mo na mamuhay ng tama at pagkasyahin ang
naitabi upang magpatuloy ng bagong buhay sa agreed upon monthly budget. Itabi ang extra para sa savings na magagamit para sa emergency needs o special
Pilipinas. Naisip kong masmagandang maka- occasions.
pagbahagi ako ng financial management advice Bukod sa regular na padala ay darating din ang oras na hihingi sila ng additional money for unplanned
para sabay sabay naten maiuwi ang pangarap ng expenses or emergencies. That is why it is very important to stay connected or to keep in close touch with your
ating mga pamilya. Let me share with you a letter family. Kailangan updated ka sa mga latest tungkol sa iyong pamilya. Lalo kung may important developments
requiring financial decisions o additional na gastusin. Be involved! Ikaw ang kumikita ng pera. Kahit na malayo ka
sent by an OFW in Banwol.
sa pamilya, you have a right and a responsibility to help your family spend that money wisely. Para di mapunta
=================================== ang ating pinagpaguran sa wala let me share with you the secret kung paano tayo makakaipon ng sigurado. Ang
Dear Ate Rose, secret ay sa pagbabago ng relationship between income, savings and expense. Sa ngayon, chances are ganito
ang formula na ginagamit natin. Income minus expense is equal to savings. Itinatabi lang naten ang perang
Ni-renew po ng employer ko ang aking contract natira pagtapos tayo gumastos. Minsan ay wala pang natitira dahil ang ating expenses ay kasing laki lang ng
sa Korea. Hindi po ako nakapag-ipon nung una ating kita. Worse ay ang ating expenses ay higit pa kaysa sa ating kita kaya tayo nagkakautang. Paano kaya
kong punta dito dahil akala ko ang maginhawang kung baguhin kaya natin? Income minus savings is equal to expense. Yan po ang suggested formula that is
buhay ay walang katapusan. Naubos ko po ang GUARANTEED to help save money for your future.
pera sa kakainom at kaka-noraebang. Ang asawa Kung mayroon po kayong tanong on how to manage your finances ay maaaring mag-email sa
ko naman po ay naubos ang aking padala sa rsgeronimo@hotmail.com. Sa inyo namang remittance, maaari po kayong magpadala sa BPI through Woori
Bank at very low remittance fees and competitive exchange rates. Ang Woori Bank Hyehwadong Branch ay
kakapunta ng mall para magshopping. Bigyan nyo
bukas kada lingo. Maaari kayong magpadala credit to your BPI, BPI Family Bank and BPInoy Savings Account.
naman po ako ng financial management tips para
Pwede ring pick up at any BPI branch, door-to-door and credit to other banks.
this time ay makap-ipon naman ako para mabi- Ate Rose
gyan ng magandang kinabukasan ang aking
pamilya.
Sincerely,
Ramil Dimaguiba
JOIN
NOW!
Membership Forms are available
at the FEWA Office
(during Sundays)
115-9 Songbuk-gu, Songbuk-dong, Seoul, Korea or at OK
Vision Airtel and
Woori Bank Hyehwa-dong Branch