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	<title>Global OFW  - The Online Resource for OFWs &#187; overseas filipino workers</title>
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		<title>HALALAN 2010 TALLY OF VOTES</title>
		<link>http://www.globalofw.com/overseas-filipino-workers/halalan-2010-tally-of-votes</link>
		<comments>http://www.globalofw.com/overseas-filipino-workers/halalan-2010-tally-of-votes#comments</comments>
		<pubDate>Mon, 10 May 2010 12:26:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[overseas filipino workers]]></category>

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		<description><![CDATA[
HALALAN 2010 TALLY OF VOTES HAS BEGAN
COMELEC or the Commission On Elections  said it will release around 7 p.m. Manila, Philippines time the URL (uniform resource locator) of  its website, which will contain partial tally or electronic counts that will be  sent by PCOS or Precinct Count Optical Scan machines.
Larrazabal, one of [...]]]></description>
			<content:encoded><![CDATA[<div>
<p><strong>HALALAN 2010 TALLY OF VOTES HAS BEGAN</strong></p>
<p>COMELEC or the Commission On Elections  said it will release around 7 p.m. <strong>Manila, Philippines </strong>time the URL (uniform resource locator) of  its website, which will contain partial tally or electronic counts that will be  sent by PCOS or Precinct Count Optical Scan machines.</p>
<p>Larrazabal, one of the Comelec Commissioners said that the first &#8220;official results, but unofficial tallies&#8221;  will consist of 20% of the total votes cast from 7 a.m. to 7 p.m..</p>
<p>The succeeding results that will be fed into the URL (uniform resource locator) of  its website will come in  10% batches &#8220;so everybody will be updated.&#8221;</p>
<p>Larrazabal said the national board of canvassers will suspend  proceedings by 7 p.m. and reconvene at 10 a.m. Tuesday May 12, 2010.</p>
<p>He assured that updates on the transmission of electronic votes will  be non-stop from 7 p.m. Monday until all votes are counted. He added that the votes that will be seen on the website are  electronically sent by each PCOS machines, which is why the Comelec  calls them &#8220;unofficial tallies.&#8221;</p>
<p>As of 7 P.m. May 11, 2010 the COMELEC partial tally showed the  following results are:</p>
<p><strong>PRESIDENTIAL CANDIDATES<br />
</strong><br />
1. Aquino, Benigno III &#8220;Noynoy&#8221;:&#8230;&#8230;..13,165,343<br />
2. Estrada, Joseph &#8220;Erap&#8221;:&#8230;&#8230;&#8230;&#8230;&#8230;.8,425,937<br />
3. Villar, Manuel Jr.: &#8220;Manny&#8221; &#8230;&#8230;&#8230;&#8230;..4,739,299<br />
4. Teodoro, Gilberto Jr. &#8221; Gibo&#8221; :&#8230;&#8230;&#8230; 3,509,495<br />
5. Villanueva, Eduardo:&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;.. 985,817<br />
6. Gordon, Richard &#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;.449,592<br />
7. Perlas, Nicanor: &#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;46,732<br />
8. Madrigal, Jamby &#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;40,270<br />
9. De los Reyes, JC &#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;. 38,194</p>
<p>PARTIAL COMELEC TALLY<br />
FOR HALALAN 2010<br />
(85.8% of votes counted)</p>
<p><strong>VICE PRESIDENTIAL CANDIDATES<br />
</strong><br />
1. Binay, Jejomar: &#8220;Jojo&#8221;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;12,921,425<br />
2. Roxas, Manuel II: &#8220;Mar&#8221;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;..12,072,372<br />
3. Legarda, Loren:&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;.3,607,797<br />
4. Fernando, Bayani:&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;899,868<br />
5. Manzano, Eduardo:&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;.673,228<br />
6. Yasay, Perfecto Jr.: &#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;.317,661<br />
7. Sonza, Jose.: &#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;.55,163<br />
8. Chipeco, Dominador Jr.:&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;..45,380</p>
<p><strong>SENATORIAL CANDIDATES</strong>:</p>
<p>1 BONG REVILLA, Ramon, Jr. B. 17,023,270<br />
2 ESTRADA, Jinggoy E. 16,684,866<br />
3 DEFENSOR SANTIAGO, Miriam P. 15,231,451<br />
4 DRILON, Franklin M. 13,936,466<br />
5 ENRILE, Juan Ponce -. 13,784,821<br />
6 CAYETANO, Pilar Juliana S. 12,047,311<br />
7 MARCOS, Ferdinand, Jr. R. 11,625,583<br />
8 RECTO, Ralph G. 10,884,131<br />
9 SOTTO , Vicente III C. 10,453,859<br />
10 OSMEÑA, Sergio III D. 10,200,276<br />
11 LAPID, Manuel M. 9,607,101<br />
12 GUINGONA , Teofisto III D. 9,052,341<br />
13 HONTIVEROS-BARAQUEL, Ana 8,033,911<br />
14 BIAZON, Rozzano Rufino B. 7,594,091<br />
15 DE VENECIA, Jose III P. 7,345,969</p>
<p>Based on the COMELEC partial tally, Noynoy Aquino’s closest rival for the presidency is  former President Erap Estrada with 8,425,937 votes. He was  followed by Manny Villar Jr. with 4,739,299 votes.</p>
<p>Trailing Jejomar Binay in the partial  tally was Mar  Roxas, with 12,072,372 votes. Mar Roxas was followed by Loren Legarda with  3,607,797 votes.</p>
<p><strong>STAY TUNED TO THE LATEST TALLY OF VOTES FOR HALALAN 2010</strong>.</p>
<p><strong>GLOBALOFW.COM</strong> -<strong> &#8221; OUR HEROES, OUR <a title="OFW" href="http://www.globalofw.com" target="_blank">OFW</a>&#8217;s</strong></div>
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		</item>
		<item>
		<title>Hug A Palooza at Enchanted Kingdom</title>
		<link>http://www.globalofw.com/overseas-filipino-workers/hug-a-palooza-at-enchanted-kingdom</link>
		<comments>http://www.globalofw.com/overseas-filipino-workers/hug-a-palooza-at-enchanted-kingdom#comments</comments>
		<pubDate>Sun, 28 Feb 2010 06:28:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[overseas filipino workers]]></category>

		<guid isPermaLink="false">http://www.globalofw.com/?p=316</guid>
		<description><![CDATA[It was a meaningful day last Valentines Day because we got to spend it at Enchanted Kingdom. It&#8217;s a wonderful theme park just outside Metro Manila. If you and your family would just like to get away from all the hustles and bustles of the  fast-paced city life, its the place to go. Are [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: left;">It was a meaningful day last <strong>Valentines Day</strong> because we got to spend it at <strong>Enchanted Kingdom</strong>. It&#8217;s a wonderful theme park just outside Metro Manila. If you and your family would just like to get away from all the hustles and bustles of the  fast-paced city life, its the place to go. Are you looking forward to a family vacation that  all your family members, you would surely enjoy the many attractions Enchanted Kingdom has to offer.</p>
<p style="text-align: left;">
<p style="text-align: center;">
<div class="mceTemp mceIEcenter" style="text-align: center;">
<dl id="attachment_317" class="wp-caption  aligncenter" style="width: 426px;">
<dt class="wp-caption-dt"><a href="http://www.enchantedkingdom.ph/"><img class="size-medium wp-image-317" title="Roller Coaster" src="http://www.globalofw.com/wp-content/uploads/2010/02/Roller-Coaster-300x225.jpg" alt="Hug A Palooza at Enchanted Kingdom" width="416" height="311" /></a></dt>
<dd class="wp-caption-dd">Hug A Palooza at Enchanted Kingdom</dd>
</dl>
</div>
<p style="text-align: left;">
<p style="text-align: left;">It was the first time that Enchanted Kingdom held a <strong>Hug A Palooza event</strong> to all lovers and for the family to come together and express the love thru a simple hug. Indeed a hug goes a long way.</p>
<p style="text-align: left;">Hug your family and your special someone today.</p>
<p style="text-align: left;">Special Thanks to Mikco of <a title="Enchanted Kingdom" href="http://www.enchantedkingdom.com.ph" target="_blank">Enchanted Kingdom</a> and <a title="azrael" href="http://azraelsmerryland.blogspot.com" target="_blank">Azrael</a> for  the invite.</p>
<p style="text-align: left;">
<p style="text-align: left;">
<p style="text-align: center;">
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		<item>
		<title>OFWs and the 2010 Philippine Elections</title>
		<link>http://www.globalofw.com/overseas-filipino-workers/ofws-and-the-2010-philippine-elections</link>
		<comments>http://www.globalofw.com/overseas-filipino-workers/ofws-and-the-2010-philippine-elections#comments</comments>
		<pubDate>Sat, 02 Jan 2010 12:28:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[overseas filipino workers]]></category>
		<category><![CDATA[2010 Philippine elections]]></category>
		<category><![CDATA[ofw]]></category>
		<category><![CDATA[Ofws]]></category>

		<guid isPermaLink="false">http://www.globalofw.com/?p=268</guid>
		<description><![CDATA[This New Year, Overseas Filipino Workers or OFW&#8217;s have a chance to make a difference by voting in this year&#8217;s 2010 Philippine elections. This is the time that Ofw&#8217;s can make an impact on the Phillippine elections. Ofw&#8217;s represent a substantial number of voters that can help decide the outcome of the election. They represent [...]]]></description>
			<content:encoded><![CDATA[<p><span style="font-size: medium;">This New Year, <a title="Overseas Filipino Workers" href="http://www.globalofw.com/category/overseas-filipino-workers" target="_blank">Overseas Filipino Workers</a> or <a title="OFW" href="http://www.globalofw.com" target="_blank">OFW</a>&#8217;s have a chance to make a difference by voting in this year&#8217;s <strong>2010 Philippine elections</strong>. This is the time that <strong>Ofw</strong>&#8217;s can make an impact on the Phillippine elections. Ofw&#8217;s represent a substantial number of voters that can help decide the outcome of the election. They represent a huge community that is critical to the economy of the Philippines.</span></p>
<p><span style="font-size: medium;"><br />
</span></p>
<p><span style="font-size: medium;">Their hard work and sacrifice has help the Philippines avoid a recession amidst the global recession, the Philippines has weathered the storm because of the remittances of the millions of  <span style="text-decoration: underline;">Overseas Filipino Workers</span>. They have helped immensely our country and the economy. In this regard, it is important that the President that will be elected in the upcoming elections will be able to support and address the needs of Ofw&#8217;s and their families.</span></p>
<p><span style="font-size: medium;"><br />
</span></p>
<p><span style="font-size: medium;">This website was made to help and bring attention to the needs of the millions of Overseas Filipino Workers or <strong>Ofw</strong>&#8217;s around the world. This coming 2010 <em>Philippine elections</em>, Ofw&#8217;s have a voice and that voice is their vote. They have a chance to make a difference and voice out their opinions in the upcoming elections. Overseas Filipino Workers deserve a leader the will make a  difference in their lives and the lives of the <strong>Filipino people</strong>. Now is the time we make a change for the better.</span></p>
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<p class='technorati-tags'>Technorati Tags: <a class='technorati-link' href='http://technorati.com/tag/2010+Philippine+elections' rel='tag' target='_blank'>2010 Philippine elections</a>, <a class='technorati-link' href='http://technorati.com/tag/ofw' rel='tag' target='_blank'>ofw</a>, <a class='technorati-link' href='http://technorati.com/tag/Ofws' rel='tag' target='_blank'>Ofws</a></p>

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		<title>OFW Can Get Free Calls To Their Love Ones This Holiday Season</title>
		<link>http://www.globalofw.com/overseas-filipino-workers/ofw-can-get-free-calls-to-their-love-ones-this-holiday-season</link>
		<comments>http://www.globalofw.com/overseas-filipino-workers/ofw-can-get-free-calls-to-their-love-ones-this-holiday-season#comments</comments>
		<pubDate>Wed, 23 Dec 2009 13:45:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[overseas filipino workers]]></category>
		<category><![CDATA[ofw]]></category>

		<guid isPermaLink="false">http://www.globalofw.com/?p=264</guid>
		<description><![CDATA[During the holiday season, we tend to call our loves ones and family to ask them how they are doing and to greet them Merry Christmas and Happy New Year.  But some people and Overseas Filipino Workers (OFW) think that they have to shorten their calls to their family and loves because of the high [...]]]></description>
			<content:encoded><![CDATA[<p>During the holiday season, we tend to call our loves ones and family to ask them how they are doing and to greet them Merry Christmas and Happy New Year.  But some people and <a title="Overseas Filipino Workers" href="http://www.globalofw.com/category/overseas-filipino-workers" target="_blank"><strong>Overseas Filipino Workers</strong></a> (<a title="OFW" href="http://www.globalofw.com" target="_blank"><strong><em>OFW</em></strong></a>) think that they have to shorten their calls to their family and loves because of the high rates telecom providers charge, now they don’t have to. Ofw’s can call your love ones for free thru Skype.  What is Skype? Skype is a VOIP or Voice Over Internet Protocol application for which an Overseas Filipino Workers or <span style="text-decoration: underline;">OFW’s  can get free calls to their loves ones this holiday season</span> and  connect to their love ones, to their  family and friends for free.</p>
<p><span style="text-decoration: underline;">Skype</span> is the most popular voice communication service in the world.  It has change the way people think about calling long distance abroad and is has broken many barriers to communication. While in the past you needed to take note of the minutes and even the seconds you spend speaking on international calls, you now have a choice. You no longer need to worry about that now. You can use Skype to make PC to PC communication to call your loves and family. You pay nothing more than the monthly Internet or DSL service, which you would anyway have paid without Skype.</p>
<p>Though Skype, it has changed how people communicate with its integration of voice calls and IM (Instant Messaging) into one simple application. You can talk when you want and type when you want and you can switch between the two as you wish, easily and for free.</p>
<p><a title="Skype" href="http://www.skype.com" target="_blank">Skype</a> has excellent voice quality and video, yes that&#8217;s video so that <strong>OFW&#8217;s</strong> can not only talk to their love ones and families but also see them and hear them in real time. All you need is a computer and an internet connection and you can talk to your love ones, family and friends for hours for free.</p>
<p>With the use of Skype, Overseas Filipino Workers or <strong>Ofw&#8217;s</strong> and migrants can save thousands of dollars in their telephone bills. With it they will be able to see the faces of their love ones and family and hear their voices for free. It makes the long distance and the holidays more meaningful by bringing families and friends together no matter where they are in the world.</p>
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		<item>
		<title>How to Start a Business</title>
		<link>http://www.globalofw.com/overseas-filipino-workers/how-to-start-a-business</link>
		<comments>http://www.globalofw.com/overseas-filipino-workers/how-to-start-a-business#comments</comments>
		<pubDate>Sat, 17 Oct 2009 05:08:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[overseas filipino workers]]></category>

		<guid isPermaLink="false">http://www.globalofw.com/?p=193</guid>
		<description><![CDATA[How to start a business is one of the common questions an starting entrepreneur would ask.  Do you want to start   your business but what if you don&#8217;t have enough capital, would it still possible? Yes, it is still possible with the help of micro financing institutions. One of the most effective ways [...]]]></description>
			<content:encoded><![CDATA[<p style="font-family: Arial;"><span style="font-size: small;"><strong><img class="alignleft size-thumbnail wp-image-215" title="Sunrise in Boracay" src="http://www.globalofw.com/wp-content/uploads/2009/10/Sunrise-in-Boracay-150x150.jpg" alt="Sunrise in Boracay" width="150" height="175" />How to start a business</strong> is one of the common questions an starting entrepreneur would ask.  Do you want to<em> start   your business</em> but what if you don&#8217;t have enough capital, would it still possible? Yes, it is still possible with the help of micro financing institutions.</span><span style="font-size: small;"> One of the most effective ways to  <strong>start a business</strong> is through micro financing.<br />
</span></p>
<p style="font-family: Arial;"><span style="font-size: small;">Micro financing is one of the best ways to provide financial services to micro and small enterprises. It provides small loans to micro and small enterprises. One of the best ways to help grow a business of through the effective use of loans. </span></p>
<p style="font-family: Arial;"><span style="font-size: small;"><br />
</span></p>
<p style="font-family: Arial;"><span style="font-size: small;">The Key to getting the most  of your loans under the micro financing programs are:</span></p>
<p style="font-family: Arial;"><span style="font-size: small;">1.First check your capacity to pay a loan. You understand that the money you will loan will come from other people and it should be paid back at the agreed time of the loan.</span></p>
<p style="font-family: Arial;"><span style="font-size: small;">2. You should monitor and manage the cash flow of your business so that you will know how much money your business generates.<br />
</span></p>
<p style="font-family: Arial;"><span style="font-size: small;">3. You should also take into consideration that a loan that is paid on time gives way for you to be able to loan a larger amount of money the next time you avail of a loan. </span></p>
<p style="font-family: Arial;"><span style="font-size: small;"><br />
</span> <span style="font-size: small;">The main difference between micro financing and any loan from a bank or other financial institutions is that there is no collateral needed for a microfinance loan which makes it easier for micro and small enterprises to get the much needed funds for their business. The only requirement is the signatures of your friends or relatives. In that way the loan of one is the loan of all. </span></p>
<p style="font-family: Arial;">
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		<title>MONEY TIPS FOR OVERSEAS FILIPINO WORKERS</title>
		<link>http://www.globalofw.com/overseas-filipino-workers/money-tips-for-overseas-filipino-workers</link>
		<comments>http://www.globalofw.com/overseas-filipino-workers/money-tips-for-overseas-filipino-workers#comments</comments>
		<pubDate>Thu, 13 Aug 2009 10:33:25 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[ofw tips]]></category>
		<category><![CDATA[overseas filipino workers]]></category>
		<category><![CDATA[ofw]]></category>

		<guid isPermaLink="false">http://www.globalofw.com/?p=58</guid>
		<description><![CDATA[
Every Filipino working abroad should save and invest the hard earn money. Below are tips on how OFW&#8217;s can save and not waste their hard earned money and live the life they want in the future.


1. Every OFW should assess their income. Ofws should only invest in a property  if they have carefully planned and [...]]]></description>
			<content:encoded><![CDATA[<p style="margin: 0pt; font-family: Verdana;"><span style="font-size: medium;"><br />
Every Filipino working abroad should save and invest the hard earn money. Below are tips on how OFW&#8217;s can save and not waste their hard earned money and live the life they want in the future.</span></p>
<p style="margin: 0pt; font-family: Verdana;">
<p style="margin: 0pt; font-family: Verdana;"><span style="font-size: medium;"><br />
1. Every OFW should assess their income. Ofws should only invest in a property  if they have carefully planned and checked it if they can afford it. Overseas Filipino Workers are earning higher compared to before when they were still earning in Philippines. This is the upside of working abroad but the option to buy a property or a condominium needs careful consideration. The advantages of owning a property is that you can call it as your own, it has sentimental value especially it’s the first property the ofw bought. Also its value appreciates over time. Investing property must be a priority, if the ofw’s earnings and salary would allow it.</span></p>
<p style="margin: 0pt; font-family: Verdana;"><span style="font-size: medium;"><br />
2. Avoid spending on expensive items and luxuries. Buying material things such as expensive a watches or a brand new car, things you couldn&#8217;t afford before, is not advisable. There are stories that some Overseas Filipino Workers tend to be impulsive buyers due to the increase in income. Ofw’s sometimes ignore important things such as investing on income generating assets like bonds and government securities, which are absolutely important things to acquire for investment purposes.</span></p>
<p style="margin: 0pt; font-family: Verdana;"><span style="font-size: medium;"><br />
3. Ofw’s must spend wisely. It is unavoidable to spend on unnecessary things but ofw’s must try to control themselves when faced with that situation. They should always think of main goal and why they need to work abroad in the first place and live miles away from your loved ones. They only want to save as much money as possible so that they can to provide a comfortable life for their family back home.</span></p>
<p style="margin: 0pt; font-family: Verdana;"><span style="font-size: medium;"><br />
4. Send an appropriate amount allowance to your family. Try not to give extra money to them. This way, they are forced to organize their expenses and make them prioritize, more important importantly teach them how to fish and not just keep on giving them the fish so to speak.</span></p>
<p style="margin: 0pt; font-family: Verdana;"><span style="font-size: medium;"><br />
5. Keep your family updated. It is also crucial to be open to your family. Tell them what is happening to you, both positive and negative. Letting them know your situation will give them an idea on how they can support and inspire you, in their own little ways. The internet can provide you with free tools to communicate with your love ones for free.</span></p>
<p style="margin: 0pt; font-family: Verdana;">
<p style="margin: 0pt; font-family: Verdana;"><span style="font-size: medium;"><br />
These are just basic guidelines for Overseas Filipino Workers who truly want save their money and pursue their dreams.</span></p>
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		<title>USEFUL GUIDES FOR OVERSEAS FILIPINO WORKERS AND THEIR FAMILIES</title>
		<link>http://www.globalofw.com/overseas-filipino-workers/useful-guides-for-overseas-filipino-workers-and-their-families</link>
		<comments>http://www.globalofw.com/overseas-filipino-workers/useful-guides-for-overseas-filipino-workers-and-their-families#comments</comments>
		<pubDate>Fri, 07 Aug 2009 00:34:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[global ofw]]></category>
		<category><![CDATA[overseas filipino workers]]></category>
		<category><![CDATA[ofw]]></category>
		<category><![CDATA[ofw guides]]></category>
		<category><![CDATA[ofw remittances]]></category>
		<category><![CDATA[ofw tips]]></category>
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		<description><![CDATA[ 

Overseas Filipino Workers (OFW&#8217;s) need to set goals when they leave to work abroad. Usually, their main goal is to provide a comfortable life for their family back home but preparing for it is not easy. It takes a lot of sacrifices to be able to achieve them. The guide  below will help Overseas [...]]]></description>
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<p class="MsoNormal"><span style="font-size: medium; font-family: book antiqua,palatino;"><span style="text-decoration: underline;"><strong>Overseas Filipino Workers</strong></span> (<strong><span style="text-decoration: underline;">OFW</span>&#8217;s</strong>) need to set goals when they leave to work abroad. Usually, their main goal is to provide a comfortable life for their family back home but preparing for it is not easy. It takes a lot of sacrifices to be able to achieve them. The guide  below will help <strong>Overseas Filipino Workers</strong> to realize their goals and their dreams.lip</span></p>
<p class="MsoNormal"><span style="font-size: small; font-family: book antiqua,palatino;"><br />
</span></p>
<p><span style="font-size: small; font-family: verdana,geneva;">1. Save and invest your hard earned money. It is also good to save some money for your family&#8217;s travel to your country of work. Part of your mission is to be able to keep your family intact. This is one way of sustaining the bond of your family. This will certainly lessen your loneliness and adjustment period. Airlines today frequently offer promos for international travel. Keep yourself updated on these promos to give you an idea on how much you will need to save up for their travel and read up on them. Use the internet as your source of free resource.</span></p>
<p><span style="font-size: small; font-family: verdana,geneva;"><br />
2. Insure your Health. Purchase a health insurance to safeguard your families future. This will help protect you from high or unexpected healthcare expenses. Today, most comprehensive private health insurance programs cover the cost of routine, preventive and emergency health care procedures and doctor&#8217;s bills. Thus, you are assured that money is available to pay for those health care expenses and you can have some peace of mind knowing that your family is insured.</span></p>
<p><span style="font-size: small; font-family: verdana,geneva;">3. Be an Entrepreneur. Explore the possibility of starting your own business. Study entrepreneurship and find expos, trade fairs and seminars that will provide free information about news, trends and practical tips on starting your own business.</span></p>
<p><span style="font-size: small; font-family: verdana,geneva;"><br />
</span><span style="font-size: small; font-family: verdana,geneva;"><span style="font-size: small;">4. Put your money in a higher interest bearing investment instruments like treasury bills, bonds and other government securities. A higher interest bearing investment can prove to be a flexible concept capable of working as an investment vehicle for your future. It can earn more interest compared to a regular savings account. This is available in almost all Philippine banks. These banks recognize the growing importance to serve the needs and wants of Overseas Filipino Workers or ofw&#8217;s.</span></span></p>
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<p><span style="font-size: small; font-family: verdana,geneva;"><span style="font-size: small;">5. Continue to learn about your job. Enroll for skill-enhancement courses and programs applicable to your line of work. There is a need for Overseas Filipino Workers to find a way to improve skills through continuous learning and development. This is would help ensure your job security, increase your value to the company, and earnings.</span></span></p>
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<p><span style="font-size: small; font-family: verdana,geneva;"><span style="font-size: small;">6. Every OFW should assess their income. Ofws should only invest in a property only if they have carefully planned and check if they can afford in the long term. Overseas Filipino Workers are earning higher compared to before when they were still earning in Philippines. This is the upside of working abroad but the option to buy a property or a condominium needs careful consideration. The advantages of owning a property is that you can call it as your own, it has sentimental value especially it’s the first property the ofw bought. Also its value appreciates over time. Investing property must be a priority, if the ofw’s earnings and salary would allow it.</span></span></p>
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<p><span style="font-size: small; font-family: verdana,geneva;"><span style="font-size: small;">7.  Avoid spending on expensive items and luxuries. Buying material things such as expensive a watches or a brand new car, things you couldn&#8217;t afford before, is not advisable. There are stories that some Overseas Filipino Workers tend to be impulsive buyers due to the increase in income. Ofw’s sometimes ignore important things such as investing on income generating assets like bonds and government securities, which are absolutely important things to acquire for investment purposes.</span></span></p>
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<p><span style="font-size: small; font-family: verdana,geneva;"><span style="font-size: small;">8. Ofw’s must spend wisely. It is unavoidable to spend on unnecessary things but ofw’s must try to control themselves when faced with that situation. They should always think of main goal and why they need to work abroad in the first place and live miles away from your loved ones. They only want to save as much money as possible so that they can to provide a comfortable life for their family back home.</span></span></p>
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<p><span style="font-size: small; font-family: verdana,geneva;"><span style="font-size: small;">9. Send an appropriate amount allowance to your family. Try not to give extra money to them. This way, they are forced to organize their expenses and make them prioritize, more important importantly teach them how to fish and not just keep on giving them the fish so to speak.</span></span></p>
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<p><span style="font-size: small; font-family: verdana,geneva;"><span style="font-size: small;">10. Keep your family updated. It is also crucial to be open to your family. Tell them what is happening to you, both positive and negative. Letting them know your situation will give them an idea on how they can support and inspire you, in their own little ways. The internet can provide you with free tools to communicate with your love ones for free.</span></span></p>
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<p class="MsoNormal"><span style="font-size: small; font-family: verdana,geneva;">These are just basic guidelines for <strong>OFW&#8217;s</strong> who truly want to help themselves and make their dreams into reality.</span></p>
<p><span style="font-size: small; font-family: verdana,geneva;"> </span></p>
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