Tuesday, March 24, 2015

POEA Online Application: How to Get Your OEC (Balik Manggagawa Online)

Are you an OFW who needs your Overseas Employment Certificate (OEC)? 

You can get it online with the new Balik Manggagawa Online processing System. That's right: it's a bit similar to the in-demand POEA online that a lot of OFWs wanted to have in the past. 

I, for one, am happy about this improvement. My parents are OFWs, and usually when they have their vacation here in the Philippines, one whole day is dedicated to getting their OEC. So, if they can get their OEC conveniently, they have more time to spend with us and bond, right? 

balik manggagawa online processing

Are you eligible to get your OEC online?

You should be an OFW who is on vacation, rehired, or returning to the same employer, and with existing record in the POEA database.

If you're not eligible, you still need to go to a POEA branch to process your OEC for you.

1. Go to the Balik Manggagawa official website. 

The website is at https://www.bmonline.ph/

2. Sign up for a new account. 

Since you're a new member, you need to sign up for a new account. 

Saturday, March 21, 2015

#AskAlingMarta - Can You Invest With Your Income?

Today, we'll talk about a reader's query below: 


With this, we can see that there are two main questions:

- how to increase income; and,
- how to start investing.

For this, I'd advise you to first set up a monthly budget - why is it that in some months, "kulang" ang income mo while in some months, "sakto" lang? Gaano kakulang? 

Sometimes, the case may be because we're not keeping a budget, we tend to spend and spend early while we have the money, without knowing how much we spend and before we know it, kulang na pala ang pera. 

In the end, instead of having more money at the end of the month, 

we have more month while our money's ended already. 

Before looking for a second source of income, have you considered if you can upgrade your income with your current job in terms of a promotion?

For a second income source, you can look online. Here are some of my income sources to earn money online.

You're right in deciding not to join pyramid scams. Hindi lang mawawala pera mo, mawawala pa ang friends mo :( Making money by deceiving others is downright unacceptable. 

Regarding your investment question, of course you can get started with investing! 

Work on increasing your income or decreasing your expenses first, by getting a budget and sticking to it. 

After this, find out your reasons for investing. Invest for a goal. 


You weren't able to give me figures, so I couldn't give you an accurate projection, but if you started saving at least P1,00 a month, you only need to do this for 5 months before you can start with the initial investment of P5,000. 

If you need me to help you get started in opening an account, send me an email once again and let's meet! 

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Do you have an #AskAlingMarta question? Email me at liannemarthamlaroya@gmail.com to send in your queries.

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Want to: 
- get FREE life insurance proposal - to financially protect your family;  
- get FREE VUL proposal - to financially protect your family and invest to make your money work for you so you can reach your target goal; 
- open a mutual fund account - to make your money grow and increase in value over time? 

Let me help you. Simply fill out this form. 

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Want to get started managing your money/budgeting/investing? Contact me, your trusted financial advisor, through the following: 

Email: liannemarthamlaroya@gmail.com
Twitter: @MsLianneLaroya
Mobile: 0916 737 8741

We can even meet personally for a FREE financial planning session! Let me know so we can finalize a schedule that works. No obligation to do anything - except maybe share what you learned with your friends! :)

If you find this post helpful, please SHARE it to your friends. Who knows, you might help them by educating them. :) Thank you, wonderful people!

Live wisely,








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Wednesday, March 18, 2015

You Have Something To Ask? - #AskAlingMartha

Why #AskAlingMarta? 

When I was in college, some of my classmates would jokingly call me "Aling Marta" because of my second name, Martha. 

I also get to receive a lot of emails everyday. 

Yesterday, when I was answering an email query, I thought to myself, "Wait, this question seems a bit familiar since most of the emails I get are in the same nature. What if I publish this answer so that people who are thinking the same thing can also get their answer?" 

I felt like these two concepts got together, went on a date, got to know each other for a number of years, conducted a loving ceremony and then gave birth to what we now know as #AskAlingMarta. 

You know I also have an awesome sense of humor: saying #AlingMarta just makes me laugh a lot. 

(This is what Aling Marta looks like...) 



So every Saturday morning, I'll answer one email query and publish the answer here at TheWiseLiving.com. 

If you don't want your name to be published along with your query, it's okay, we won't disclose it. :) 

Let's go! 

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Do you have something to ask? Send me an email at liannemarthamlaroya@gmail.com and I'd be happy to help you!

-----

Want to get started managing your money/budgeting/investing? Contact me, your trusted financial advisor, through the following: 

Email: liannemarthamlaroya@gmail.com
Twitter: @MsLianneLaroya
Mobile: 0916 737 8741

And we can even meet personally for a FREE financial planning session! Let me know so we can finalize a schedule that works.

If you find this post helpful, please SHARE it to your friends. Who knows, you might help them by educating them. :) Thank you, wonderful people!

Live wisely,






Enter your email address to receive FREE budgeting tips, investing updates, self development advice, freelancing tricks and life-winning techniques - all effective, all FREE and all straight to your inbox!