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IREMIT Australia Writes To Their Customers To Ensure The Survival of Australian Remittance Service Providers

The following is the actual letter sent to me by IREMIT


To our Valued Customers,

We trust you read this note in good health.

We are writing in reference to the on-going round of petitions for Australian banks to keep the accounts of Filipino remittance companies open. We are happy to inform you that we have joined the Australia Remittance and Currency Providers Association (ARCPA) in order to pursue this common objective.

Vote for Vigan City as one of the new 7 Wonders Cities of the World

Vigan made it to the finals! 

Vote for Vigan City as one of the new 7 Wonders Cities of the World in the final voting phase! 

Pacquiao - Algieri Fight Live Streaming

On November 23, Pinoys will again drop everything to watch the country’s pride Manny ‘Pacman’ Pacquiao battle it out with the young and hungry Chris Algieri of the US.

If you are a Smart, Talk ‘N Text, and Sun Cellular subscriber, you are in for a treat. For the first time, you can watch Pacquiao’s fight live and with no commercial breaks, on your mobile device, for only P199.

Australia and other G20 Countries Cut Remittance Fees

Remittance fees being charged for money sent by Filipino workers abroad will go down. This was after a consensus was reached by world leaders at the recent G-20 summit in Australia.

- ANC, Prime Time, November 20, 2014

Watch the video Remittance fees to go down on Yahoo Yahoo Philippines News.

Low, low Fares to Manila

Low, low Fares to Manila from Sydney

It's time to plan for your 2015 holidays or invite friends and/or relatives to go to Manila.
But you have to hurry as Sale Period is until November 21, 2014 only or until seats last.

TRAVEL PERIOD: DEC. 1, 2014 - MAR. 31, 2015

Sydney - Manila

       AUD 199 ALL-IN

Sydney to Manila
Advertised fare is one way inclusive of 7 kg carry-on luggage allowance, AUD 55 Passenger Movement Charge, AUD 31.25 Passenger Service Charge and AUD 4 Web Admin Fee. 

Fare available (from Nov. 19–21, 2014) but not on all flights or days. Fare is non refundable (subject to statutory rights). 

Limited changes permitted, charges apply. Fare does not include checked-in luggage allowance which can be purchased at time of booking.

Low, low Fares to Hong Kong

Low, low Fares to Hong Kong

It's time to plan for your 2015 holidays or invite friends and/or relatives to go to Hong Kong. With the current promo from Cebu Pacific Air you can visit Hong Kong from Sydney (AUD 499)

But you have to hurry as Sale Period is until November 30, 2014 only or until seats last.

Round Trip Sydney - Hong Kong

       AUD 499 ALL-IN

Sydney- Hong kong
Advertised Sydney to Hong Kong fare is for roundtrip travel, inclusive of 7kg carry-on luggage, 15 kg checked luggage, Hong Kong and Australia country specific charges, Web Admin Fee and Fuel Surcharge. 

Fare is available (from Oct. 28 - Nov. 30, 2014) but not on all flights or days. Fare is non refundable (subject to statutory rights). 

Limited changes permitted, charges apply. Advertised fare does not include meals which can be purchased at time of booking. 

The Plastic Cards I keep and How I am Saving Using Them

UPDATED: 28 May 2020


1. HSBC Everyday Global (2% cash rebate, $100 account opening bonus, 0% intl fees)
2. ING (high interest, 0% intl fees)
3. UBank (high interest, sweep technology, best to link for Raiz and Spaceship Voyager)
4. Commonwealth Bank Diamond Rewards Card
5. Coles and Woolworths reward cards

In Australia, with almost all merchants have EFTPOS (electronic funds transfer at point of sale) machines already, I and my family rarely use cash any more to buy our things.
We use our debit/credit cards in combination with a loyalty card and/or discount card.

In this regard, I am happy to share with you the plastic cards we keep and how we are saving using them.

HSBC Everyday Global


 1. When you deposit at least $2,000

     - $100 Bonus (must deposit  at least $2,000 it for 3 consecutive months, within 6 months of opening your Everyday Global Account)

     - Earn 2% cashback on tap and pay under $100

2. International transaction fees = $0. I use this when travelling overseas.
  • $0 Monthly account fee
  • $0 Transaction fees
  • $0 ATM fees charged by HSBC Australia

ING Orange Everyday Card

The following are the current features of this card:

Earn $50 by Sending Money through OrbitRemit

OrbitRemit is just again of the remittance providers that you can use to send money internationally including the Philippines.
They have an ongoing promotion where you can earn $50. Invite your friends to join OrbitRemit and they will pay you cash straight to your bank account. For every three (3) friends that successfully complete a payment, they will pay you $50 . The more friends that join, the more money you earn. 
You can start by visiting OrbitRemit  here.

Sending Money Internationally via WorldRemit

From our previous blog, we shared some info regarding the imminent closure of remittance providers in Australia. If the business of most remittance providers such as iRemit and ForexWorld would closed or be affected, it is time to look for other ways.
see Filipino and other Remittance Providers in Australia to be close on 24 November 2014

From my own personal research/readings, the big four Australian banks are joining many of the world's largest banks in fighting money laundering and terrorism funding and eventually will make it difficult for Asia and the Pacific's poorest people from receiving remittances from relatives in Australia.

That's basically the gist on why remittance providers will likely be closing soon.

Nevertheless, I am here to discuss about WorldRemit - which has offices in UK, US, Canada and Australia - may be here to stay.

I've been using WorldRemit for quite a few time already to send money from Australia to UK and the Philippines.
I have some relatives on both countries and there are some occasions that I need to send money to them.

Some things I like about WorldRemit are:

1. ZERO transaction fee for your 1st money transfer

Filipino and other Remittance Providers in Australia to be closed on 24 November 2014

Major banks in Australia plans to shut all remitter accounts by Monday 24 November 2014.

This news is now circulating in Facebook. At first, I found it to be a hoax only but a friend shared to me a page or website from a Filipino remittance company ( which also says the same.

For many Australians, the low-cost and fast money transfer services provided by registered remitters is the only way they can send essential funds home safely and securely. These funds are considered a lifeline to the many communities that depend on them.

Hundreds of migrant communities across Australia will lose their ability to send money home to family and friends if banks continue their plans to close the accounts of remitters. The last of the major banks plans to shut all remitter accounts by Monday 24 November 2014.

Without bank accounts in Australia, remitters cannot complete the transfer of their customers’ funds to destination countries, which means that millions of Australians will no longer be able to support their families and communities overseas.

If you normally send money to The Philippines, Vietnam, Nepal, India, Bangladesh, Pakistan, Fiji, Samoa, Somalia, Colombia, Peru and many other countries, your service will soon be affected.

FAQs Kung Paano mag-migrate sa Australia

The following blog about immigration FAQs to Australia, is a bit outdated already but it is still valid and useful. With the permission and consent of the real author, we decided to post it here. 

May 2013 - Habang sinusulat ko to ay katatapos lang ng eleksyon sa Pinas. Election 2013, gandang pakingan no. Pero gaya ng mga resulta ng mga nagdaang eleksyon.

Marami ang disappointed. May mga nahalal na hindi karapat dapat at ang dapat ay hindi nahalal.
So anong kinalaman nito sa FAQ?

Aba, napakalapit ng koneksyon nito. Dahil marami ang hindi nagustuhan ang resulta.
Marami ang nagtatanong saken kung pano makalayas sa Pinas at makapagmigrate dito.

Hindi ko sila masisi kasi ganon din ako nung Election 2010.
Hindi ko nagustuhan ang resulta kaya dun ako napaisip na tuluyan ng magmigrate at heto nako ngayon sa Australia.

Bago pa maganap ang halalan, marami ng nagtatanong saken dati kung pano makalayas sa Pinas, pero inaasahan ko na mas dadami magtatanong saken ngayon kaya gagawa na lang ako ng FAQ.
Siguro kung maniningil ako sa mga nagtatanong saken kung pano makapagmigrate sa Australia ay mayaman nako.
Pero hindi ako taong bayaran :P
Kaya sinasabi ko lahat ng impormasyon na alam ko ng libre, para matulungan sila.
Napakamahal ng bayad sa agent, pandagdag na lang nila sa mga gastusin nila yun.

At bago pa kayo mabore sa mga pinagdadaldal ko, sige na nga umpisahan ko na.
Teka hindi pa pala, itong mga nakasulat dito ay “IN A NUTSHELL” lamang.
Ano naman ibig sabihin ng “IN A NUTSHELL”?
Kung nakakita ka na ng shell ng mani o kahit anong nut, NUTSHELL tawag dun, alam mo yung panlabas na anyo ng nut sa pamamagitan ng shell nya, pero hindi mo alam kung ano itsura nung nasa loob.

Ganon din ang FAQ na ito, somehow may idea ka na pano magmigrate sa AU dahil masasagot nito ang mga basic na tanong pero hindi mo pa rin alam ang kabuuan o kaloob-loobang detalye kung pano magmigrate.

Kaya naging “IN A NUTSHELL” gets?
ok game.

Q1. Pano ka nakapagmigrate sa Australia? Pano ginawa mo?
A1. Napakalawak ng tanong na to, so malawak din ang sagot ko. Ang sinasagot ko
“magpunta ka dito tapos click mo yung Finding a Visa nandyan na lahat ng kasagutan sa tanong mo, sagutan mo lang ng tama yung mga pinapapili sayo”

Malawak na tanong, malawak na sagot.

Q2. Magkano show money?
A2. Wala pong show money na kailangan sa pagmigrate sa Australia UNLESS mag-aaply ka ng state sponsorship na nagrerequire ng show money.

Q3. Ano naman ang state sponsorship?
A3. From the word itself, state sponsor, yung isang state ay iisponsoran ka para makapagmigrate sa AU. Ang Australia ay mayroong 8 State. New South Wales, Queensland, Victoria, Australian Capital Territory, Tasmania, South Australia, Western Australia, Northern Territory.
May mga list of skills sila na hinahanap at willing silang magsponsor sa mga taong may skill na kailangan nila.
Kada state, iba ibang skill ang kailangan, iba ibang proseso ng pag sponsor, iba ibang patakaran, yung iba may bayad, yung iba wala. Nasa sa iyo na yun kung san ka nababagay at kung san kailangan ang skill mo.

Q4. Matagal ba prosessing?
A4. Depende. Kung mabilis ka magpasa ng mga papeles na kailangan nila at mabilis ka rin makapasa sa IELTS at pasado ka rin agad sa Medical Checkup ay natural mabilis lang din ang prosessing. Nasa sa inyo yan kung babagalan mo o bibilisan mo. Pero para magka-idea kayo sa timeline. Ganito yan.

1 – Skill Assessment (3mos)
2 – IELTS (after 2 wks ata may result na)
3 – State Sponsor (3mos) Optional, pwedeng meron pwedeng wala
4 – Skill Select , depende, kung mataas pts mo, 70 above ay maari kang ma-invite agad.
5 – Kung ang inaplyan mo ay 189 Skilled Migration, depende rin 8mos – 2yrs
6 – Kung 190 State Sponsored, 1-2 Months lang.

Q5. Magkano nagastos nyo?
A5. Malaki :D
Pero depende yan kung ilang beses ka mag take ng IELTS at hindi ka makapasa-pasa gaya ko, e lalaki ang gastos mo.
Kung mag state sponsor ka pa na may bayad, another gastos na naman yan.
Ipapa notaryo mo pa mga dokumento mo, gastos ulit yan. So para may idea ka ulit ito ililista ko para sayo.

As of this writing ito mga bayad.
1. Skill Assesment – 400AUD
2. IELTS -9,000PHP (roundoff ko na)
3. Notaryo – 80-300 per document, depende sa abugado. Mas mura siguro sa abugadong tumatangap ng labada tuwing linggo.
4. State Sponsorship – 400AUD, may mga state na walang bayad so optional din to.
5. Visa application charge – as of this writing nasa
“1st instalment – 3060 Australian Dollars (AUD3060)”
Marami nagtatanog kung kailangan pa nila yung 2nd installment bayaran. Ang sagot po ay hindi na, magbabayad ka lang kung hindi marunong mag English ang partner mo. No joke. 1st installment lang binayaran ko.

In a nutshell yan ang babayaran, kung maka sampung take ka ng IELTS, 90K na diba, so depende ang gastos, nasa sa iyo yun.
Paki-compute na lang ang total, tinatamad ako e.

Q6. Madali lang ba magsama ng family?
A6. Oo naman, pag nag-apply ka dapat isama mo na family mo, kung gusto mo gumastos ng malaki, mag-apply kayo ng hiwa-hiwalay :D

Update: Nagmahal na ang visa fees, may bayad na kada pamilya. Tingnan dito.

Q7. Kailangan ba talaga mag IELTS?
A7. Pwede naman hindi ka mag IELTS, pero dapat may US, UK passport ka. So mamili ka na lang kung IELTS o kuha ka ng passport nila. In short, kailangan mong mag IELTS, walang lusot dun.

Q8. Madali ba makahanap ng work dyan?
A8. Aba assuming ka masyado ha, wala ka pa ngang visa nagtatanong ka na agad ng work. Kumuha ka muna ng visa. Pero ang sagot dyan ay depende. Lahat ng bagay ay depende, kung ang skill mo ay napaka-rare at 1 in a million lang dito sa Australia ay madali ka makakahanap ng work. Pero kadalasan mga 3 months bago makahanap ng work ang bagong migrant. Importante kasi sa kanila ang local experience.

Q9. Pero pano ka magkaka-experience kung walang mag hire?
A9. Maari kang maghanap muna ng trabaho na hindi mo field, odd jobs baga, at dahil dun, magkakaroon ka na ng local experience para makalipat sa work na gusto mo. Tyagaan lang.

Q10. Pwede bako mag Tourist muna tapos dyan na lang hahanap ng work?
A10. Umi-istyle ka ha, hindi po Singapore ang Australia. Walang papansin sayo kung Tourist Visa ka lang tapos maghahanap ka ng trabaho. Kumuha ng tamang visa.

Q11. Mahal ba cost of living dyan?
A11. Ayan ka na naman e, masyado mong pinoproblema ang hindi pa problema. Pero ang sagot ulit dyan ay depende.
Kung magastos kang tao e kahit gano pa kalaki sahod mo, kulang pa rin, kung matipid ka naman kahit gano kaliit, kasya. Pero oo nga mahal nga dito :P

*Note: Dadagdagan ko to pag may naalala akong mga katanungan sa akin na wala dito.
Kung may tanong kayo na wala dito, pakilagay sa comment para sagutin ko at maisama ko dito.

*Note2: Pag natulungan kayo ng FAQ na to, ilibre nyo na lang ako ng siomai pag-uwi ko sa Pinas.
Miss na miss ko na ang lasa ng siomai house at ang kanilang yelo na may gulaman este gulaman na may yelo.

Real Life Needs Real Plans

Real Life Needs Real Plans
By: Eduardo F. Jarabe - Philamlife Agent

 Where is the best place to invest?

In the recent interview by CNN with Mr. Michael Spencer, Deutsche Bank Chief Economist for Asia. He said, the best country to invest is in the Philippines. Philippine economy is very consistent in its growth. Together with Peru, the Philippines are among emerging economies that would become much more prominent in the next few decades. The Philippines is set to leapfrog 27 places to become the 16th largest economy by 2050, according to a prediction of international bank HSBC.

The last time I attended an OFW forum, one of the questions arises was, how long will you be staying abroad to work? Majority of them answered, maybe 15 to 20 years still because they don’t have enough savings yet. I felt sad. I realized that as a Financial Planner it is my duty to inform and assist every Filipino specially OFWs to meet their financial goals. I am sharing to you Philamlife’s Financial Planning Program through its Unit Link Products that can gives you high potential earnings through long-term investment.

Benefits and Services for OWWA Member-OFWs

As an OFW and an OWWA member, are you already aware of the benefits and services that you are entitled to?

An OWWA member-OFW is entitled to services and benefits over and above the provisions of the employment contract offer of employers or the laws of the receiving country. For an £18.00 / 25USD membership contribution (renewable every two years, or for the duration of his/her contract if its less than two years), an OWWA member is entitled to the following benefits and services:

Insurance and Health-Care Benefits
Life Insurance. A member is covered with life insurance for the duration of his employment contract. The coverage includes Php 100,000.00 for natural death and Php 200,000.00 for accidental death.

FOREX Traders Dilemma - Moderating Greed

Moderating greed is one of FOREX Traders dilemmas. If your trades are winning, you are sometimes tempted to hold on or tempted to close early.  The newsletter below is the actual newsletter for the Unlitrader subscription from

You can see the advice from our mentor, Mark So and the actual screenshot from his own trading account.

Unlitrades Closed for A Majestic +1,902Pips!!! All Losses For October Recovered And Then Some! Done For The Month!!!

Hi All!
Thanks to the FOMC and the surprise move by the BOJ today, I’m happy to say that majority of the trades have hit limits while the rest of the trades did splendidly. I’ve manually closed out all trades for a majestic +1,902Pips!!! Singletrades by comparison made a very respectable +518Pips as well which has helped recover ALL trade losses for the month of October!!!

Watch clear recordings of Filipino News like Bandila and TV Patrol, movies and sports events via SBS on Demand

You want to watch Filipino News but do not have TFC TV subscription? Tired of watching blurry and full of ads clips from YouTube? 

Do you want to watch a recording of the latest sports events such the FIFA World cup 2014, football, basketball, rugby, etc?

SBS on Demand - This is the new app I have stumbled onto, that allows Filipino News & Current Affairs.

SBS on Demand
You can watch recorded Filipino news like Bandila and TV Patrol through your smartphones and smart TVs. Just search for 'SBS on Demand' on Apple Store or Google Play store.


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