- 5/15/2025
(Season 2, Episode 16)
Did you know that in 2024, OFWs sent a record of $38.34 billion in remittances to the Philippines?
Join us in today’s broadcast of ‘Serbisyong OWWA Syete’ as we talk about the Financial and Economic Concerns for OFWs.
Did you know that in 2024, OFWs sent a record of $38.34 billion in remittances to the Philippines?
Join us in today’s broadcast of ‘Serbisyong OWWA Syete’ as we talk about the Financial and Economic Concerns for OFWs.
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NewsTranscript
00:00Thank you for listening.
00:30Thank you for listening.
01:00Thank you for listening.
01:30Thank you for listening.
02:00Thank you for listening.
02:30Thank you for listening.
08:09So, it's important to consider the Osaka OFW before you have a utang.
08:15Okay.
08:16So, it's important to consider the Osaka OFW that you have to consider the factors.
08:23You have to worry about it.
08:25You have to work.
08:26You have to be able to pay for it.
08:28You have to pay for it.
08:29So, you have to consider the factors.
08:35Yes.
08:36Sige, kayo naghisgot naman taog utang.
08:38So, asapod ka sila possibly pwedeng mangutang.
08:41Mamay lang na makaingan din sila.
08:43Nga sakto ang proseso silang pagpangutang.
08:45Kanan nga sila ma-scam ba?
08:47Yes.
08:48So, naan naman kita yung mga kliyente nga na historia
08:51nga mudool sa itong buhatan, sa itong opisina,
08:55tungod sa ilang mga issue, anong ilang mga utang.
08:58So, isip po sa KOFW,
09:00yung arong dita ma-scam kung asa tamang utang,
09:03dapat mudool kita sa mga legit nga mga lending institution
09:07dito sa gawas,
09:09o mga bangko nga kanang naagyoy sakto
09:13o kanang klaro ang ilang terms sa ilang pagpautang
09:17sa Osaka OFW.
09:19So, dapat mo agigid o mga proseso nga naagyoy papil nga pinarmahan
09:24nga kanim o anay mong utang,
09:26o kanipod ang terms sa imong pagpautang,
09:29sa ilang pagpautang nga dito sa OFW.
09:32Kailisod nakaayo kung mautang ra sila sa kilid-kilid ra.
09:37O niya, wala kahiba nga ang interest,
09:4050% or 20% ang interest per month.
09:44O niya, kay lagi nang inahanglan man kakaayo,
09:47naratol na ka kung asa kag-ibayad,
09:49muna ang halapang utang nalang kagbisag-asa.
09:52Muna nga,
09:53before giyod mo ito,
09:54kung giingon nga,
09:55isa sa i-consider na ito,
09:56kung kaya ba ni mong bayaran,
09:58so,
10:00be mindful,
10:02giyod kung asa ka mang utang.
10:04Di ba siya, mas dako pa yung binuwan kaysa sa iyong silido?
10:07Yes.
10:08Kaysa sa iyong,
10:09mas dako pang interest ng iyong bayaran,
10:11kaysa sa iyong prinsipal.
10:13So, maunang ato ang mga OFW na,
10:16silang gihangyo na,
10:17be mindful,
10:18o giyon saon na ito,
10:20paggasto ang ito ang hard-earned money,
10:24kay usahay,
10:25makautang magudta,
10:26tungod kay,
10:27mas dako pa ang ito ang expenses
10:29compared sa ito ang monthly na ginadawat,
10:32o sa ito ang income.
10:33Mauna,
10:34kung sa lang kaya,
10:36mo ginaatong i-consider,
10:37ginaatapat,
10:38o pila lang ang swildo,
10:39o niya,
10:40given po ang imuhang expenses,
10:42matagbuwan,
10:43ang iyong ipadala,
10:44o niya,
10:45makabayad ba ka si imuhang gi-aim,
10:47na utangon,
10:48na amount.
10:49Yes.
10:50Okay.
10:51Diba siya,
10:52mauna hinunay hinungdan nga,
10:53imbis kayo na narbaho ka sa gawas,
10:55para maasenso,
10:56mahatagan,
10:57o nindot nga kinabuhi imuhang pamilya,
11:00ang pamilya,
11:01mauna hinunay problema nga mo,
11:03mauli ka,
11:04kaya ito ang nagigukod na ka dito,
11:06kasi imunggi utangan,
11:08hindi wala nakabayad.
11:09Okay.
11:10Okay.
11:11So, speaking of utang no,
11:12or loan,
11:13or lending na asagawa,
11:14so,
11:15pwede ba usabta,
11:16makaloan ang pamilya,
11:18diris Pilipinas,
11:19mamayla?
11:20Kanang loan diris sa Pilipinas,
11:22kung bisan pa o,
11:24kaning,
11:25dili through sa,
11:26o tungod kay OFW,
11:27iyong pamilya,
11:28naaramang giyong mga kalonan.
11:30So, pariha,
11:31ragi hapon ang buhaton sa pamilya,
11:33o sa OFW,
11:34kung naas sa Pilipinas,
11:36di haagid mo loan sa mga bangko,
11:38o mga legit nga,
11:40lending institution.
11:41O niya,
11:42sa OWA po,
11:43na amanggintay business loan po,
11:45niya,
11:46programa,
11:47para sa mga OFWs,
11:48o ilang pamilya,
11:49nga naadiris sa Pilipinas,
11:51pwede ragi po sila nga,
11:53mo loan,
11:54if ganahanggint sila nga,
11:55magnegosyo,
11:56apang kuwang ang ilang kapital.
12:00Okay.
12:01So, pwede ba nato palawman,
12:02mamayla,
12:03kay kasagaran,
12:04dili ikaayo,
12:05dagahan ang nangutang dito,
12:06silang host country.
12:07Kaya aside sa mahadlok sila,
12:09niya,
12:10uasad sila kaila.
12:11So, kasagaran,
12:12mga loan na na sila,
12:13inikuli na nila.
12:14So,
12:15unta yung further,
12:16niyong mga explanation,
12:17o kung saan na ito,
12:18pag-avail ang ito,
12:19ang loan program,
12:20diri sa OWA.
12:21Okay.
12:22So, ang kaling itong loan program sa OWA,
12:25particular,
12:26gudney para pang negosyo.
12:28So, dili rani kay personal loan,
12:30or salary loan,
12:31pang negosyo,
12:32gudney siya,
12:33para sa katong mga mo start up,
12:35or katong i-expand ang ilang business,
12:37apankuwang ang ilang kapital.
12:40So, partner na ito,
12:41ang Land Bank of the Philippines.
12:43So, ang minimum nga ma-loan is 500,000,
12:46up to 2 million.
12:48So, kay daku-daku naman sa gudney nga amount,
12:51so, naanagin ni collateral.
12:53So, any titled properties,
12:55ang i-collateral ani,
12:57kanang titulado,
12:58gudsiya.
12:59And then, 7.5% ang interest ani,
13:02per annum,
13:03or per year.
13:04So, payable na siya,
13:06for 2 to 7 years.
13:08Okay.
13:09So, unta yung may perks nila,
13:11kung example,
13:12mag-loan sila o niya,
13:13ngano dahil,
13:14ugmuditso na lang di ay sila sa langbang.
13:16Ngano'ng,
13:17ma-agi pa man sila o o.
13:18So, unta man na yung difference nila,
13:20if dito na sa Land Bank,
13:22and sa o o,
13:23ma-agi pa sila o o o o.
13:24Okay.
13:25So, sayod man dyan ta,
13:26kung ma-loan ta sa bangko,
13:28namanggid na yung mga CI,
13:30or credit investigation.
13:32So, syempre,
13:33kung mag-agi na na sa o o,
13:34na na mag-i-endorsement nga ihatag ang opisina,
13:37anang nga OFW.
13:39So, murag makasalig na gid ang Land Bank,
13:43gid pod,
13:44na makabayad na siya,
13:46kay na pre-evaluate naman po ni Nato sa opisina.
13:49And then,
13:50usap pa ka perks,
13:51kay mas gamay-gamay,
13:53or ubos ang interest niya,
13:56compared,
13:57kung mag-agita sa OFA ka ng OWA,
14:01kaysa kung ma-direct gid ka sa,
14:03ikaw raba,
14:04individual ni mga loan.
14:06Okay, no?
14:07Kay kasagaran,
14:08yun ba sa bangko,
14:0912 to 15 percent,
14:11ang interest niya.
14:12So,
14:13compared na to sa 7.5,
14:15dako,
14:16gigay di pa rin siya.
14:17So, sa mga gusto mang loan,
14:19sabi na sa itong mga OFW,
14:21bisita lang gid mo sa itong opisina,
14:23o,
14:24ito na yung i-explain pa ninyo,
14:26kung unsa pa gin na ang mga need ninyo na pag-aboha to.
14:29Okay?
14:30Um,
14:31mamayla,
14:32naghisgot na maghita o kwarta,
14:33no?
14:34So,
14:35lain nga pang utana,
14:36unsa may mga nagkalaing laing mga pamaagi,
14:39no?
14:40Naaman tayo gitawag na remittances.
14:41Yes.
14:42So, unsa may mga nagkalaing laing mga pamaagi
14:44sa pagpadala o kwarta ni OFW,
14:47no?
14:48Gikan nga to sa ihang job site,
14:49padulong dari sa atua,
14:50padulong silang pamilya.
14:52Sige.
14:53So, kay,
14:54kaning OFW na narbaho mang gita,
14:56no?
14:57Sa gawas,
14:58magpadaag po taong kwarta
15:00para sa atong pamilya,
15:01para panggasto nila,
15:03para sa tuition,
15:04o kaon.
15:06So, mo mga gina'y pinakarason
15:08nga nung mo abroad giyod ang OFW
15:11kaya kung naapag gina'y kita
15:13dari sa Pilipinas,
15:14nga enough
15:15para sa iyang pamilya nga nung good in taong mo abroad.
15:18But,
15:19kanilang,
15:20kung magpada langgid po taong mga remittances
15:22para sa atong mga pamilya,
15:24magamping langgid po taong sa atong mga pamaagi sa pagpada.
15:28Yes.
15:29Nagawas kong ang uban manggod
15:31is na ay agency nga sila na ang mumanage
15:34ang saan pagpada sa remittance sa
15:37usaka OFW.
15:38But, if kita mismo ang magpada
15:40nga doon sa atong pamilya sa Pilipinas,
15:43so, natin mga nagkalain-laing pamaagi
15:46na atay online bank transfer,
15:48na atay mga money service,
15:51money remittance services,
15:53and then na-up po tayong mga online remittances nga apps
15:57like kanang mga Gcash,
15:59PayPal,
16:00mga Paymaya,
16:01and then kanin sa mga money remittance services
16:05naman tayong mga Palawan Pawn Shop,
16:08Western Union,
16:09mga inga na.
16:11So, i-make sure langgid po na to nga parehaan ng mga bank transfer
16:16or kanin sa mga Gcash nga
16:18if ever ganin ay mga OTP,
16:21mga nanginahanglan o kanang validation.
16:25So, be mindful langgid po taani nga
16:28dili masayop ang OTP nga emong maklik
16:31or kanin na ay mga message nga maabot
16:34dili tamagpataka o kanang hatag
16:37o kanang dili gid po para ato sa Gcash
16:41o para sa atong nga bank nga OTP
16:43kay base nun niya o mascam na hinunta nga
16:46itong napada nga kwarta,
16:48example, 100,000 imong remittance para sa imuhang pamilya
16:52maabot na asalain nga mga kamot.
16:55So...
16:56Sakit ka ayun?
16:57Oo, sakit, good ka ayun.
16:59Ihabuan ba ya?
17:00Oo, labi na ka ng Gcash nga ka nang
17:02diba kasagaran ka rin?
17:04Ibutang ma na ang number.
17:06If ever verified,
17:08ma-send ni mo sa lahi nga number
17:12ang ka nga amount.
17:14Muna nga tarong ngayon na toog ka ng send
17:17para sa atong pamilya ang atong mga remittances.
17:20Speaking of Gcash partner,
17:22mas maayo siguro nga instead of number ang ato ang i-input,
17:26murag mas maayo siguro if ka to nalang QR code.
17:29Mas safe siya.
17:31Kaya ang i-input ng digit partner,
17:33pwede nga masayup ka.
17:34Pwede nga masayup ka.
17:35Kaya ang daku kagamot,
17:36pwede duha ka number,
17:37i-mong mapindot,
17:38tingnan na iwitao.
17:39So, mas safe siguro if QR code
17:41at least scan nalang siya.
17:42So, huwag yung masayup.
17:44Pero naagod ba yung mga instance partner,
17:46o mamayla nga masayup yun?
17:48Masayup o padala,
17:49masayup o send,
17:50ang usaka FW.
17:52So, usaka yung mga pwede nilang buhaton mamayla
17:55ka na may nana nga cases
17:56nga nasayup o padala sa FW,
17:58siya ang remittance,
18:01kaya naabot sa lain.
18:03Ang i-mong buhaton, good ana,
18:05mabalik ka sa i-mong ipadalaan
18:07sa remittance center,
18:08i-mong ihatag ang i-mong reference code
18:10para ma-trace na kung asa na siya na
18:13pada sa lain.
18:15Kaya ang tendency ng good ana,
18:17kung dilit ni mo na mabalik
18:19basen o padugay-dugay pa ka o
18:21kaning balik ana sa remittance center,
18:24basen o niya o nakuha na good food na.
18:27So, dilit na mga pangitaag paagi sa remittance center.
18:30So, kung maka-encounter mga gani o mga technical problems
18:34like ingana nga lahi ang mga padadaan sa kwarta,
18:38which is daghan na good pod ang naka-experience ana,
18:42muduol good ka balik sa remittance center nga i-mong gi padadaan
18:46para mapangitaan na yun o solusyon.
18:50So, as soon as possible,
18:52hindi natin dugay-dugay yun yun.
18:54Basen o ka to lagi maklaim na
18:56or siguro madugay, basen o ka na
18:58ang remittance na alang sila yung i-alat ba?
19:00Nga oras or like,
19:02kanilang yun ng duration,
19:04So, maunang diha na good mood
19:08ang kaimportansya
19:10sa saktong pagpili kung asa't na magpadala.
19:12Kaya once nga
19:14dilit na siya yung anak ka secured,
19:16maglisod na ka o balik.
19:18At least kung mga legit,
19:20dali rin yung mabalikan.
19:22Kaya kung ano man ginaa sila,
19:24ang pinaka safe food good nga padadaan
19:26is kanang online bank transfer.
19:28Yes.
19:30Kaya buong naman kitaan yung mga banks nga
19:32na anang magid na sila yung mga
19:34kanang terms good nga
19:36o mga pamaagi good nga
19:38kanang tested na ba?
19:40Yes.
19:42Kung bank transfer,
19:44maabot magid na.
19:46O real-time gina siya,
19:48tagsara ba yung makasinati o problem
19:50kung online nga bank transfer.
19:52Okay.
19:54Importante saan ang mga remittances
19:56sa itong mga OFW.
19:58Dako po nakaayo sila o natabang
20:00sa itong ekonomiya.
20:02Kaya basin ang uban magod ay,
20:04OFW o mananagbayad o tax.
20:06Arita sa ilang remittances.
20:08So dako po nakaayo o
20:10tawag aning
20:12tabang,
20:14impact sa ito ang ekonomiya.
20:16Okay. So karoon maghisgut na punta
20:18sa livelihood and
20:20reintegration partner.
20:22So yun sa manin nga itong
20:24pasabutan ni itong livelihood and
20:25reintegration mamayla.
20:26Sige. So in addition
20:28din sa itong remittances ganina.
20:30So kita sa nga pamilya
20:32di rin sa Pilipinas
20:34nga makadawat sa remittances
20:36sa itong mga OFWs.
20:38So ito asad na siya
20:40ang gamitong giyod sa saktong
20:42pamaagis.
20:44Nga dili makapangutan na ang
20:46osaka OFW kung
20:48ka nang muragbag upa man kung
20:50nagpadaon niya, nangayo naman po.
20:52Or
20:54muchatra, or
20:56mangumusta kung naanay
20:58kinahaglan, or maningil na,
21:00ting-remit na.
21:02At sa pamilya sa mga OFWs,
21:06dili kaya anak ratamang
21:08umusta kung ting-sweldo
21:10nating 15 o 30 na.
21:12So dapat ang atuapod nga
21:14madawat nga mga remittances
21:16ang hinaguan nga kwarta sa itong
21:18mga OFWs. Dapat
21:20tarungon gipo din na ito.
21:22Para sa pagkaon,
21:24para sa pagpa-eskwela sa mga anak,
21:26para sa inyong balay.
21:30Of course, kung kung
21:32kinahlan magintaog savings,
21:34usapod
21:36sa financial literacy
21:38para sa atong mga
21:40pamilya sa mga OFWs,
21:42first ang 50%
21:44para sa needs
21:46sa family.
21:48And then 20% para sa savings
21:50ka inkaso, ma inkaso,
21:52simba ko mauli ang OFW
21:54at least
21:56naipang bangil.
21:58Dili kata magsig kasuko ba nga ang
22:00anong ulit bisag na sakit na
22:02masuko takay nga nung na ulit.
22:04Balik pabalik ko na yun.
22:06Balik ko na yun.
22:08Balik ko na yun.
22:10Gusto lang kabuan ayun na pag-extend.
22:12Pabalik ko na da yun.
22:14And then pwede podog na kahit 10%,
22:16pod in town, pod para sa inyong leisure pod.
22:18Of course,
22:20nagisi na ng mga brief,
22:22mga pantino niya.
22:24Dili takapalit na yun.
22:26Sa ato ang kaugalingon ng kuwarta.
22:28Dapat na agi proper budgeting pod
22:30ang atong mga family
22:32sa OFWs.
22:34Labi na o kinsay mabilin.
22:36Kikasagaran mga asawa.
22:38Kikasagaran mga asawa.
22:40Kikasagaran mga asawa.
22:42Kikasagaran mga binlan
22:44Dili,
22:46Dili,
22:48ra'y waldas waldas ba ang kita sa OFW dito sa gawas.
22:50Kikasagaran mga asawa.
22:52Dili,
22:54ba yan,
22:56na dugot pawis ba yan ang ilahanggi.
22:58Hata gyan para anak ng kuwarta.
23:00not far from any other family,
23:02and let us find you more
23:05to get back to our mold.
23:10And then we go to the level of the OFW.
23:13You need to buy it.
23:15Over time for us.
23:17So, the number of gifts are paid for our own.
23:20We love it.
23:22We can do it for you.
23:24We are possibly getting getting out of the parcel
23:26but getting out of the parcel.
23:28she is also paying attention to Shopee,
23:31at least moreНу videos like that.
23:33At least they can be specific to the project
23:36to delete them.
23:37Speaking of how to do it,
23:40we have to tell the children
23:42of OFW
23:43in our own school,
23:45so the reason that we have abroad
23:50is that we are not able to do it.
23:53So we have to tell the children
23:54that it is not able to do it.
23:56It is not able to get there.
23:58Yes.
23:59Nga makapahuman.
24:00Nakita yun ni la basus mo oh gandiy akong bihaguan.
24:02Yes.
24:02Nga pasuman ako yun ni mga anak.
24:05So kaya naghisgod, madtaog ka ng swildo, mamayla.
24:08Naghisgod na taog budgetting.
24:10Naghisgod na taog ka nga proper nga pag breakdown.
24:13Ari napunta sa livelihood.
24:15Yes.
24:16So unsaka ha ang mga pwede?
24:18Ngaka ng mga small businesses ba?
24:20Nga pwedeng sugdan, sa pamilya, sa mga FW.
24:24Aka na hibili, dire sa toang country.
24:26Okay. So, some of the livelihoods that have jokes or memes that have been on Facebook,
24:33for example, some of the seamen, if they have the sea,
24:37first of all, they have to negotiate in the Philippines.
24:41They have to negotiate in the Philippines.
24:44If they have to negotiate, they have to negotiate.
24:49So, it's a good thing about these programs for the family of OFW
24:57so they can re-integrate,
24:59and they can have the re-integration of their lives.
25:04It's a good thing about the livelihood program.
25:08So, it's a good thing about the livelihood program for these OFWs.
25:13So, it's a good thing about the distressed OFWs.
25:17If we do this, we can negotiate for the United States,
25:21the country with the OFWs,
25:25or in the OFWs that it has to eat.
25:27So, it's the same as we can get our refuge,
25:31even if we can afford it,
25:34It's time to start here with the A mall.
25:38Also, I can negotiate here.
25:40could call roll on pwede kang amagsugod saka sa gagmai kala mga micro business like
25:46kaning mga peace onet mga sun and boda sun can a mga store when you know some
25:53Samba sa mga copy of ka ng mga tubig mga sari-sari store also dag konagid na
25:59og kita kong kanonai language nga na ah so wala man siguro po idako ng business
26:04ko wala nagsugod sige nag may mga so good trust the process lang yun no
26:09Yes, sir, good.
26:10Ang nakalisod,
26:11anong magnegosyo,
26:12kaya ang pagsogod,
26:13Yes.
26:13Maumaginaan siya ang pinakalisod.
26:14Kaya osahay, mag-aim,
26:15tabang,
26:15gusto ko ingon-ani na tayo.
26:17Yes, sir.
26:17Kaya osahay po,
26:18mahot dan siya,
26:19oh, motivation.
26:20Ay, wala man siya ni lambok ka roon,
26:22so,
26:22dili ang business,
26:24dili always upon.
26:25Naapon na siya yung mga downside.
26:28So, maunang,
26:28once mag-business,
26:29taato ginahuna-una.
26:31Open yun ta
26:31sa mga posibilidad
26:32para dili,
26:33tamakoan,
26:34mad discourage,
26:35madisappoint.
26:36Yes, it's a good job.
26:38It's a good job.
26:40It's a good job.
26:42The first week of business,
26:441 million dollars is a good job.
26:46Yes, it's a good job.
26:48You mentioned this,
26:50the livelihood program,
26:52the office,
26:54especially in distress
26:56FW,
26:58can you avail
27:00for a family?
27:02Or CFW?
27:04A bill, the rest,
27:06it's a good job.
27:08So, can you grant
27:10the livelihood program
27:12for distressed OFWs
27:14or it's called the Balik Pinas
27:16Balikanap Buhay Program?
27:18For distressed OFWs
27:20if you don't have a contract
27:22for the situation
27:24or for the job
27:26for the need
27:28for the job
27:30or for the job
27:32it's a good job
27:34for the job
27:36to do the job
27:38,
27:40you know,
27:42for the job
27:45and then,
27:46if you're a family member,
27:48you may have a good job
27:50This is a family, but for the distressed OFWs, the OFW is a good one.
27:58It's a good one.
28:00Yes, it's a good one.
28:02It's a good one.
28:04Okay.
28:06So, this is a sub-topic, reintegration.
28:11It's a good one.
28:13It's a good one.
28:15It's a good one, but it's a good one.
28:19What are your challenges?
28:22From there, it's a good one.
28:24The FWC is an internal challenge.
28:32Do you have any challenges?
28:34Is it the state of the FWC?
28:36Okay.
28:37So, it's a good one.
28:39It's a good one.
28:42It's a good one.
28:44It's a good one.
28:46or a lot of experiences in the world.
28:49So, it's a high food,
28:50they share their heart-to-heart.
28:53It's a good person.
28:56So, it's a good challenge in the USACA or OFW.
29:00They integrate and they integrate in the Philippines.
29:04First, it's a good way to go to the Uggpuyo
29:08to the Uggpuyo.
29:10It's a good way to go to the Uggpuyo.
29:14If you get off the plane or the Uggpuyo,
29:18it's good to be able to keep up.
29:23It's good to be able to get off the plane.
29:28Or else they want a little но.
29:31If you get off the plane or the Uggpuyo but,
29:32you should get off the plane.
29:35So, it's a good challenge that you can use
29:40to be on the Uggpuyo.
29:41But I would like to come back,
29:44I couldn't go back,
29:45I was 16 when me was your kid.
29:48How did I go back to the Philippines?
29:50For good.
29:51How did I go back?
29:53I was asked to for work,
29:55I was listening to the work,
29:56I was my age of 40.
29:58Now, I was a regular man,
30:00just wanted to work,
30:02or am I able to work.
30:05It's been a challenge to our
30:07OFWs.
30:09For me,
30:09It's not a thing to talk about our negotiation,
30:13but if you're working together,
30:16you're not gonna talk about our negotiation.
30:21It's because we're going to connect our good food
30:24with our own topic.
30:25When I'm a loan,
30:27I'm not going to pay for it.
30:29I don't know what to do.
30:31I don't know what to do.
30:33I don't know what to do.
30:35I don't know what to do.
30:37the hang of collateral yes
30:40yes
30:42so the
30:45good
30:46doggy consider
30:47an osaka of w pod
30:49naka nang inigulit niya sa
30:51pilipinas
30:52so unsao niya pagsugod o balik
30:54mawagay na pinaka-first na question
30:56niya nga unsaon maninako
30:58pagsugod o balik
31:00diri sa pilipinas
31:01so daghan naka sayod
31:03mantanga daghan nagmiss nga mga
31:05namiss nga mga celebrations
31:07like christmas
31:09mga birthday
31:10o important events
31:12nabi pa say mong mga anak
31:14wala ka pag birthday nila
31:16wala ka nga ni-graduate sila
31:17magmahog ba nga makafeel sila
31:20mura magma na out of place
31:23na kuani
31:23sumahog yun ang importante
31:26musulud yun di ha
31:27ang communication
31:28as much as possible
31:30everyday bahalag tagmubo lang
31:32mga minutes though
31:33dili yun naingon nga
31:34masunod yun na siya everyday
31:35pero at least ba
31:36naay ka nang
31:38communication yun
31:39matag
31:40every after
31:40every after two days
31:42inga na magkakaroon
31:43para dili malimot po
31:44mga anak
31:45muna eh
31:45naka-advantage po na ito
31:46karoon no
31:47kayo tungkol
31:48anak kaya ta
31:48mother na kayo ta
31:49dili nagyadlisod
31:50ang pag-communicate
31:51sa pamilya
31:52sa unukol
31:53sa unang
31:54letter pa
31:54mawala ay pa
31:56wala na mi bugas
31:57na napas mo na lang
31:59maabot
31:59o pila kaadlawan
32:01napas mo na
32:01so karoon
32:02wala nagyoy
32:03murag
32:04excuse
32:04nga nong
32:06dili maka
32:07kanang
32:08padah
32:08kaya usaba
32:09po na sa ato
32:10ang kasagaran
32:10nga welfare cases
32:11po sa opisina
32:13nga
32:13financial support
32:15support
32:15communication
32:16to the family
32:17ipapangita na ka
32:19sa imong pamilya
32:20di rin na mo
32:21di rin sa Pilipinas
32:22kaya wala na ka
32:23ni-communicate
32:24so usap po na
32:25siya
32:25nga nung wala
32:26na ninagpada
32:27so para sa itong mga
32:28FWs
32:29di po
32:29kalimitan
32:30good po
32:31na nga to
32:31ang pamilya
32:32kaya usap
32:32magig po na
32:33sa rason
32:33nga log na
32:34ni abroad
32:36ta
32:36para magig
32:37sa itong pamilya
32:38kaya if makamaintained
32:39yun ka
32:40si mong communication
32:40si mong family
32:41ang naka-advantage
32:42yan na is
32:43inig-uli ni mo
32:44dili na kay
32:44grabe
32:45ang adjustment
32:45ng bagabuhaton
32:47wala yung boundary
32:49wala yung bar years
32:50siya nga nakakoan
32:51wala yung kuan
32:52bitaw
32:53murag di ka ma-acquard
32:54sa mga bata
32:55kaya updated ka
32:56nakakita man po
32:57dun sa iyang
32:57porma
32:59and of course
33:00pagpasabot po
33:01siguro no
33:01sa mga bata
33:03ang nga ni
33:03gawas ko na
33:04kay maukini
33:05maukan na
33:05so dapat
33:06ato po silang
33:07pasabton
33:07dili kay
33:08mapuzzled lang po
33:10sila
33:10ay gano'ng
33:10nilarga man to
33:11si papa
33:11wala lagi to
33:12nanangihid
33:12o wala lagi ko
33:13kay baw
33:13ganun sa ato
33:14siya mauli
33:15so dapat
33:15ato ginangkan
33:19tubago na
33:20nga mga pangutana
33:21kaya basig
33:22puro na kwarta
33:23ba
33:23ang ituwa
33:24sa
33:24kaya nga
33:25mabiging pod
33:26un sa kadagan
33:27sa atong kwarta
33:28niya
33:28dili tama
33:28yung relasyon
33:29sa atong pamilya
33:30wag i-bili
33:31ang tanan
33:32so muna
33:33importante
33:34yun kaayong
33:35sa atong
33:36pagpanarbaho
33:37atog yung pamilya
33:38atong unahon
33:39o huna
33:40kaya maumanay
33:41yes
33:42sila magin pod
33:43ang naghatag
33:43o kusong
33:44so dili
33:45pasabot pod
33:46niya
33:46lipay na pod
33:47ka diha
33:47kalimta na
33:48po niya
33:48kung asa
33:49ka nagikan
33:50sakto ka diha
33:52pag
33:52purang
33:53lamlamlam
33:54to
33:54kaayong
33:54lamlamlam
33:55to
33:55sa
33:55kaayong
33:56no
33:56sige
33:57moralizations
33:58yes
33:59sige
33:59so
34:00based
34:01sa iamong mga
34:01challenges
34:02mam
34:02may lano nga
34:03gihisgo
34:04tanong
34:04sa kahay
34:05uban pang
34:06maayo
34:06buhatun
34:07sa ato
34:08ang
34:08OFW
34:09before
34:10siya
34:10mularga
34:11or
34:11something
34:12naasya
34:13sa
34:13gawas
34:14like
34:14ang
34:15pagpangandam
34:15dapat niya
34:17ng mga
34:17pagabuhat
34:18so
34:19kita isip
34:22sa
34:22OFW
34:23pod
34:23dapat
34:24pangandaman
34:24gipod na to
34:25ang atong
34:26kaayuhan
34:26or
34:27protection
34:28so
34:29kaya
34:29bilis
34:31sa atong
34:31gipang
34:31buhat
34:32kung
34:33kita
34:34mismo
34:34sa atong
34:35kaugaling
34:35nga
34:35dilipod
34:36ta
34:36protected
34:37o wala tayong
34:38mga
34:38insurance
34:39mga
34:39ingana
34:40so
34:40naaman tayong
34:42mga
34:42nagkalainlaing
34:43mga
34:43insurance
34:44sa
34:44government
34:45or
34:45sa
34:47ilahang
34:48company
34:49so
34:50kaya
34:51di
34:52mangin na to
34:52matagaan
34:53ng panahon
34:53na
34:53mahitabo
34:55or
34:55atong
34:56mangin
34:56tapadong
34:57like
34:58for example
34:59simba ko
35:00madisgrasya
35:01simba ko
35:01masakit
35:02o simba ko
35:03mamatay
35:04ang OFW
35:06or
35:06bisakitang
35:07dili
35:07mga
35:07OFW
35:08so
35:09importante
35:10nga
35:10nangandam
35:12ta
35:12so
35:13kung
35:13osaka
35:13OFW
35:14kinahanglan
35:16gid ka
35:16nga mo
35:17pamember
35:18gid ka
35:19sa
35:19OWA
35:19of course
35:20kay
35:21kaning
35:21OWA
35:21daghan
35:22gid
35:22o
35:22kanang
35:23aside
35:23sa mga
35:24benefits
35:24ng mga
35:25scholarship
35:25mga
35:26livelihood
35:26assistance
35:27na
35:28aputay
35:28kaning
35:29sa
35:29social
35:29benefits
35:30or
35:30kaning
35:31sa
35:31death
35:32and
35:32burial
35:32assistance
35:33so
35:34insurance
35:34ni
35:35sa
35:35osaka
35:35OFW
35:36kung
35:36magkainunsa
35:37maabtan
35:38good
35:38huwag
35:39kamatayon
35:40dito
35:41sa
35:41gawas
35:41o
35:41diri
35:42sa
35:42Pilipinas
35:43so
35:43while
35:43active
35:43pa
35:44ang
35:44OWA
35:44membership
35:45muna
35:46nga
35:46makadawat
35:46kung
35:46natural
35:47cost
35:47100,000
35:49and
35:50then
35:50kung
35:50accidental
35:51ang
35:52cost
35:52sa
35:52pagkamatay
35:52sa
35:53OFW
35:53200,000
35:54na
35:55napotay
35:55burial
35:55benefit
35:56nga
35:5620,000
35:58so
35:58dili
35:58rapod
35:59kay
35:59sa
35:59OWA
36:00na
36:00apod
36:01tayo
36:01sa
36:01kanang
36:02mga
36:02SSS
36:03pag-ibig
36:04so
36:04naamang
36:05good
36:05na
36:05so
36:06sa
36:07mga
36:07insurance
36:08sa
36:08agency
36:09or
36:09sa
36:10company
36:10so
36:11dapat
36:12nga
36:13kanang
36:13kita
36:14isip
36:14o
36:14sa
36:15OFW
36:16monitor
36:16good
36:17na
36:17to
36:17kung
36:17nahugan
36:18ba
36:18ta
36:18o
36:18SSS
36:20or
36:20ang
36:20atong
36:21pamilya
36:21atong
36:21gisaligan
36:22na
36:22maoy
36:22mo
36:23hulog
36:23sa
36:24itong
36:24mga
36:24binuan
36:26nga
36:26mga
36:28ibig
36:28o
36:28feel
36:29health
36:29na
36:30hulugan
36:30ba
36:31na
36:31siya
36:31kay
36:31naamate
36:32mga
36:32madawat
36:33ang
36:34OFW
36:35kung
36:35magkainun
36:35sa
36:35masakit
36:36or
36:36ang
36:37pamilya
36:37sa
36:37Osaka
36:38OFW
36:39na
36:40agad
36:40madawat
36:40anak
36:41na
36:41death
36:41and
36:41burial
36:42assistance
36:42if
36:43ever
36:43kanang
36:44sakto
36:45lang
36:45ang
36:45pagbayad
36:47so
36:48mo
36:48nang
36:48importante
36:49no
36:49ang
36:49pagbayad
36:50dili
36:50lang
36:50kay
36:50sa
36:51OWA
36:51kundi
36:52sa
36:52nagkalaing
36:54agency
36:55siyod
36:56kay
36:56naaligid
36:57na sila'y
36:57matabang
36:58na to
36:58once
36:59na
36:59magka
37:00problema
37:01na
37:01labi
37:01na
37:02sa
37:02gawas
37:03mga
37:04programs
37:05Miss
37:06Myla
37:06nag
37:07hizgot
37:07na
37:07manta
37:08o
37:08kanyang
37:08mga
37:09death
37:09benefit
37:10dili
37:11sa
37:11OWA
37:12Myla
37:12kung
37:12sa
37:13mga
37:13requirements
37:14kung
37:15avail
37:15ang
37:15family
37:16sa
37:16Osaka
37:16late
37:17FW
37:18kung
37:19sa
37:19mga
37:19andamon
37:20mga
37:20requirements
37:21so
37:22una
37:22anak
37:23identify
37:24sa
37:24good
37:24na
37:24to
37:24kinsa
37:24ang
37:25claimant
37:26so
37:28mga
37:29mga
37:30mga
37:31wife
37:32sa
37:32Osaka
37:33OFW
37:34or
37:34spouse
37:35sa
37:36Osaka
37:36OFW
37:37or
37:37anak
37:38and
37:38then
37:38kung
37:38single
37:39parents
37:40or
37:40single
37:41po
37:41na
37:42sa
37:42OFW
37:44na
37:44mga
37:44requirements
37:45na
37:45of course
37:46death
37:47certificate
37:47proof
37:48po
37:48na
37:49na
37:50na
37:50na
37:50sagawas
37:51good
37:51ang
37:51OFW
37:52and then proof
37:53na nakabayad po sa OWA
37:55and then proof of relationship
37:58of course sa moklaim
37:59Kaling mga kuwan
38:01Mamayla, i-consider lang na ito
38:03what if ka nang ang usaka FW
38:05is naalang siya yung ka-live-in partner
38:07So, nasa yung live-in partner, yan nasa yung anak
38:10nasa yung mga anak
38:11Kinsa man ang, saon man na pag-contest
38:14na especially kung si
38:15partner gusto pong mokuan ba
38:18Kinsa sa duha ang rightful
38:20ng klaimant
38:21Nga napag-parents
38:23Kansiderin nga dili, bayagin siya married
38:26status-wise
38:27So, ang tubagid ana, magsinabdanay
38:30So, kung live-in partner niya
38:34na ay anak
38:35So, ang anak niya
38:37or anak sa OFW manggod ang rightful
38:39klaimant, but if minor
38:41pagani ang anak sa usaka OFW
38:43ang morepresent
38:45niya is katong live-in partner
38:47sa OFW
38:48So, diligid ang live-in gud mismo
38:50ang na ay right to claim
38:52kundi ang iyang anak
38:53But, kung minor lang siya
38:54ang anak
38:55mo lang
38:56representaan lang siya
38:57sa
38:58kanang kalibin
38:59And then, of course
39:00diligid mo po na mawa
39:01ang katong sa parents
39:03So, magbuhat din sila
39:04o sharing agreement
39:05or na ay ma-waive nila
39:07kung kinsa ang mo
39:08claim
39:08Kaya di man pwede
39:10o ka nang
39:10kuwan ka nang
39:12wala ratay
39:12isupport po nga document
39:14kaya unyag kitay paninglan
39:16nga nung gihatag ni
39:18ingana
39:19So, naaragid po na
39:21yung mga lahi na po
39:22ng mga additional requirements
39:23if ingana na po
39:25medyo complicated na
39:26ang application
39:28Okay
39:28So, speaking of membership
39:30mamaylan
39:31kaya
39:31na
39:32isgutan mani mo
39:33nga ang makaklaim
39:34sa 120
39:35220
39:36is only those active
39:38nga namatay
39:40nga
39:40What if
39:41ni for good na siya
39:42o niya
39:43after 3 years
39:44di ha pa siya
39:45namatay
39:45So, naaba siya
39:46yung mga possible
39:47nga maklaim pa
39:48nga bisag
39:50inactive na siya
39:51So, naagi hapon
39:53So, kung
39:53edo ka sa AWAD
39:55wala gita ma zero
39:56Yes
39:57O, naagi hapon
39:58kaya hindi man
39:59gin matumatag
39:59may tag
40:00mo yung tag
40:01ane na lang
40:02ginisod niyng ako
40:02ang OFW
40:04ane within 2 years
40:05pero makadawat
40:05uwan hindi
40:06dilip man po na pwede
40:07So, if ever
40:08inactive na ang
40:09AWAD membership
40:10sa Osaka OFW
40:11o niya ay
40:12sa pamamatay
40:12o maabdan
40:13o kamatay yun
40:14naagi hapon
40:15tayo bereavement
40:16assistance
40:16worth 20,000 pesos
40:18So, pwede na
40:20maklaim
40:20di hapon
40:21sa rightful
40:21claimant
40:22sa Osaka OFW
40:24within 3 years
40:25from the date
40:26of death
40:27So, kanina
40:28agad ni siya
40:29ay ka ng
40:29validity
40:30Dapat i
40:31within anak
40:32nga years
40:333 years
40:34ma-apply
40:34na po
40:34din na siya
40:35Dili kayo
40:36after 20 years
40:37murag nakahinom
40:38dum ka ba
40:38Kaya ba sin
40:39karun
40:39nakakita
40:40sila
40:40ay na
40:41pa di ay
40:42murag pag
40:4319 kuan
40:43kinamatay
40:44beto
40:44nakaroon pa ka
40:45so, within
40:463 years
40:47gawa sa
40:48death and burial
40:49assistance
40:49nga sa pagkakaroon
40:50wala gin
40:51siya
40:51deadline
40:51Yes, okay
40:53Sige, sumurag taas-taas
40:54na kay atong
40:55nice
40:55butan partner
40:56and for sure
40:57na pa'y dugang
40:58pangutan na
40:59ang ato
41:00ang mga viewers
41:01nga nananaw
41:01karun
41:02apang sadili pa
41:03ato sa kinigtan
41:04aw
41:05ning hamubo
41:05nga video
41:06ato sa kinigtan
41:08ato sa kinigtan
41:08sa kinigtan
41:09ato sa kinigtan
41:09sa kinigtan
41:10sa kinigtan
41:11sa kinigtan
41:11sa kinigtan
41:11sa kinigtan
41:12sa kinigtan
41:12sa kinigtan
41:13sa kinigtan
41:14sa kinigtan
41:14sa kinigtan
41:15sa kinigtan
41:15sa kinigtan
41:16sa kinigtan
41:16sa kinigtan
41:17sa kinigtan
41:17sa kinigtan
41:18sa kinigtan
41:18sa kinigtan
41:18sa kinigtan
41:19sa kinigtan
41:20sa kinigtan
41:21sa kinigtan
41:22sa kinigtan
41:23sa kinigtan
41:24sa kinigtan
41:25sa kinigtan
41:27sa kinigtan
41:28sa kinigtan
41:28sa kinigtan
41:29sa kinigtan
41:31sa kinigtan
41:32sa kinigtan
41:32sa kinigtan
41:33sa kinigtan
41:35sa kinigtan
41:36.
41:44.
41:47.
41:53.
41:58.
41:59.
43:33Ado na baka mo'y mga pangutana?
43:36E, baka sure kung unsay angay buhaton?
43:40Aton lang hatagan o tubag o katinawan.
43:43In hisa,
43:44EPM na sa Owas 7.
43:46Okay, so Karun,
43:55andam na gita.
43:57Andam na ba ta?
43:57Andam na tumutubad.
43:58Andam na lang yun na ito atong mga kaugalingon sa mga questions.
44:03So naatay mga pipilang mga questions diri.
44:06So on say, atong unahon?
44:08Aning ato ang question?
44:10Okay.
44:12Naatay,
44:12pangutana diri,
44:13gikan kang ma'am?
44:15Shela.
44:15Okay,
44:16atong basahon,
44:17maayong hapon.
44:19OFW ko nga nauli sa Pilipinas.
44:22Pero,
44:22sa katungtoa po ko sa Qatar,
44:24akong amiga nga OFW sub,
44:26kay nangutang na ko,
44:2730,000.
44:29Kani atong 2022,
44:31pero wala akong gibayran.
44:33Nauli,
44:33napunto siya sa Pinas.
44:34Akong pangutana,
44:36makagukod pa ba kuniya diri sa Pinas?
44:38Arong makabayad siya sa iyang utang nga ko,
44:41unsang akong pwedeng buhaton.
44:43Salamat.
44:44Okay.
44:46So murag ka nil nga utang,
44:47kay murag ilahara nil.
44:48Agu-minturnal.
44:49Agu-minturnal na siya.
44:50Sa iyang friend.
44:52Or sa iyang kaubagtrabaho dito.
44:55So,
44:55ang pangutana na kung verbal rabaang ilang,
44:58pag ka nang panagsabot.
45:01So,
45:01if ever gani ka nang si Shela,
45:05nagpa-utang siya sa iyang amiga.
45:06Amiga,
45:0730,000.
45:08Oo.
45:08Onya,
45:09wala agit sila iklarong nakasulatan,
45:12nag-chatra sila,
45:14o nagtawag,
45:15o nagtabi ra dito sa gawas.
45:18Maglisod na gin siya ugukod sa iyang amiga diri sa Pilipinas.
45:21Labi kinauli na pun silang duha.
45:24Gawas kun,
45:25kanang naagit sila i-gipirmahan.
45:27Kayo mauman ay pwede nga proof na mapakita niya nga kanina,
45:30ngutanggid ni siya dito sa gawas.
45:32Onya,
45:33diha na tamo pa laban sa mga legal nga mga abiso.
45:38Sa itong mga professionals.
45:40So, kung inga na,
45:41mauna nga,
45:42itong timanan giyod nga,
45:44kung mangutang ta or magpa-utang ta dito sa gawas,
45:47dapat na agit mo'y sakto nga kasulatan.
45:50Or dito giyod mo mangutang sa mga legit.
45:55So, dili giyod,
45:56basta-basta rapod mo salig ba,
45:58nga magpa-utang raka dito.
46:00O, bisan ug-amiga, no?
46:01O, labi na dito.
46:02Ngayon ba yun na mga FO?
46:03Yes.
46:04Friendship over mga utang.
46:04Labi na dito nga,
46:06lahi man itong nga country giyod.
46:08So, once ba kita tag-Pinay,
46:09mga amiga na ginan na to.
46:10Kaya mo mga ginaykoan sa Pinoy, no?
46:12Nga, grabe gita og friendship giyod.
46:14Dali, ragit kaayot.
46:14Musalig raba gita, no?
46:16So, mauna,
46:17careful gita kayo.
46:18Bisan pagpila na mo katuig,
46:19nag-uuban diha.
46:20No, di, magutang makahibaw
46:22kung asa na siya
46:22sa sunod na po nga mga katuigan.
46:24Ya, sayang ang yung mong gihaguan.
46:26Yeah, sayang na 30,000 na po kaayot.
46:28Dako, eh.
46:29Nga asa man niya siya guk doon.
46:31For sure,
46:32na uli na siya ang Pilipinas,
46:33for sure,
46:34nagamay-gamay na po tuiahang panudlanan.
46:36So, mauna, siguro nga,
46:37kinahangla na po niya unta
46:39ang 30,000.
46:40Pero mouna,
46:41gyingon pa ni Mamayla,
46:43be careful gita,
46:44labi na,
46:45o kita ang magpautang.
46:47O kita saan ang mga utang.
46:49Careful gita na ang mga butang.
46:51Dige, gita mo siya ito.
46:52O log ka ng storya lang.
46:53Storya lang.
46:54Dapat na agit ay proof.
46:56Yes.
46:57Pinirmahan,
46:57nga mga kasulatan
46:58o kasunduan.
47:00Okay.
47:01Nakatay,
47:01ikadohang at ang utana,
47:03Mamayla, no?
47:03Gika ni Sir Chester.
47:05Good afternoon.
47:07Kabahin sa remittance,
47:08makaboot ba ang owa
47:10sa mga FWs
47:11kung pila ang ipadala
47:13ng remittance
47:14o kung kinsa
47:15ang among padalahan
47:16o kung kanusami
47:18magpadala.
47:19Salamat.
47:21Sige.
47:21Ligyan tong question.
47:23Makaboot, makahaan.
47:23Owa, no?
47:24Tulun ni ka question.
47:26Maligtuluan eh.
47:27Diligid makaboot
47:28ang owa po.
47:29Yes.
47:30Kung pilagi ipadapod
47:31sa OFW
47:32o kinsay
47:33iyang padadaan
47:34o
47:34o kanusas
47:35iya magpada.
47:37So,
47:37discretion good na
47:38sa OFW.
47:40So,
47:40sa family code po,
47:41nakinalang magid ka
47:42mupada sa iyong
47:43pamilya.
47:44So,
47:45o FW nagidunta na
47:46ang kanang maobligar
47:48nga mupadagid siya.
47:50So,
47:50di siya maghuwatog
47:51kaning
47:52reklamuhon pa siya
47:54ay sa siya magpada.
47:56But,
47:56kanang
47:56ingana nga
47:57kung pila
47:58ipadala,
47:59depende manggud na
48:00kung pila po
48:00ang need po
48:01sa pamilya.
48:02So,
48:02diligid po
48:03bakaboot ang owa
48:04kung
48:05kanang
48:06pila ipadala
48:08dapat sa OFW.
48:09Or,
48:10basin
48:10o nakulangan
48:11ni siya
48:12sa ipadala
48:12pero,
48:13ano lang yun
48:13siguro,
48:14no?
48:15Communicate
48:15lang yun ta
48:16sa labinas
48:17atong mga OFW
48:18nga.
48:18Dilig po ta
48:19mag-abusar.
48:21Kitang na
48:21as Pilipinas
48:22munang
48:22kung
48:23sila dito
48:24nagkaning
48:25tipid,
48:25magtipid lang
48:26po ta
48:26din,
48:27no?
48:27Kaya
48:27mag-gud ta
48:28kay baw
48:28sa umaabot
48:29nga panahon
48:30kung
48:30magpadayon
48:31pa ba
48:31niya,
48:32diligid na
48:32ta
48:32makasustain
48:33sa ato
48:34ang lifestyle.
48:35Pwede man
48:36po noon
48:36mo dool
48:39nga to
48:39sa agency
48:40especially
48:40kung
48:41ang
48:42O,
48:42ipalarga
48:43ang FW
48:43pinaging
48:44inaasya
48:44agency ba?
48:46So,
48:46mo lang na
48:46ito ikuan
48:47kaya naaman
48:48yung
48:48diskresyon
48:48ng agency
48:49pwede nga
48:50mangilabot
48:51sila
48:51or pwede
48:51po nga
48:52delay
48:52kaya
48:52agan
48:53lagi
48:53mo balik
48:53ta
48:54personal
48:54man
48:55good
48:55ang concern
48:55personal
48:56good
48:56siya
48:57mo lang
48:57pwede
48:58na ito
48:58ipadangat
48:59nga to
48:59sa agency
49:00ipaabot
49:00na ito
49:01kanina
49:01pertaining
49:02FW
49:02na ipagkuhang
49:03sa IAHA
49:04in terms
49:05of financial
49:05support
49:06at least
49:07man lang
49:07makal out
49:07nila
49:08ang attention
49:09sa FW
49:09maupod na
49:11sa atua
49:11naamut
49:12punta
49:13na
49:13kanina
49:14sa atuang
49:14welfare
49:14case
49:15nga
49:15kanina
49:16mo request
49:16for financial
49:17support
49:17in which
49:18nga itong
49:18buhaton
49:19hindi ka
49:19sa itong
49:19opisina
49:20ito
49:20i-endorse
49:21sa agency
49:22sa agency
49:23mag-git
49:23na mag-start
49:24indoors
49:24pwede na ito
49:25sa atuang
49:25post office
49:26sa atuang
49:26sa gawas
49:27pero maura
49:27ginilang
49:28buhaton
49:28i-call
49:28ang attention
49:29sa FW
49:30i-remind
49:31sa obligation
49:31ipaabot
49:32ang concern
49:33then ka na
49:34at least
49:37gilabi na ito
49:38at least
49:40gilabi na ito
49:41gilabi na ito
49:42siya
49:42okay
49:43nata
49:44ikatulong
49:44pangutana
49:45from
49:45sir
49:46Rolando
49:46Pugoy
49:47Traya
49:47Jr.
49:48Good
49:49PM
49:49sana matulungan
49:50kapatid ko
49:51na
49:51FW
49:52makauwi
49:53sa Pinas
49:54may sakit
49:54siya
49:54at wala
49:55pa
49:55ang sahod
49:56wala
49:57na kulang
49:59hirap
50:00siyang
50:00makontakt
50:01sa amin
50:02dahil walang
50:02pang load
50:03na ubos
50:04sige
50:05so
50:06na siya
50:07igsuon
50:08si Sir Rolando
50:09na naasa
50:11naasa
50:12gawas
50:13na makauwi
50:14sa Pinas
50:14o naasa
50:15gawas
50:15ang iyang
50:16igsuon
50:17so
50:18ang unang
50:18buhato
50:19ni mo sir
50:19muduol ka
50:20sa pinakaduol
50:21ni mo nga
50:22OWA
50:23nga office
50:24or sa atong
50:25mga
50:25OFW
50:26help desk
50:26sa mga
50:27munisipyo
50:28mo
50:29file taong
50:30request
50:30for assistance
50:32isuwat ni mo
50:33kung unsagid
50:33ang request
50:35sa inyong
50:35pamilya
50:36dapat na
50:37agid po
50:37yung mga
50:38kanang
50:39information
50:40sa OFWs
50:41nga
50:41to sa
50:42gawas
50:42para ka na
50:43ma-forward
50:44na to
50:45sa agency
50:45kung naamag
50:46ni agency
50:47then
50:47sa post office
50:50po na to
50:50dito sa
50:50OWA
50:51sa gawas
50:52so
50:52mo agigid
50:53gihapon
50:53o
50:54kanang
50:54proseso
50:55ang pagpauli
50:56sa
50:56Osaka
50:57OFW
50:57labi na
50:58kung
50:58nasakit
50:58so
50:59dili man
51:00kita
51:00ang maka
51:01decide
51:02kung fit
51:03to travel
51:03na ba
51:03na
51:04ang
51:04Osaka
51:04OFW
51:05so
51:06mas
51:06maayo
51:06itong
51:07step by
51:08step
51:08bang
51:09ito
51:09ang
51:09proseso
51:11sa
51:11iyang
51:11pag
51:12repatriate
51:13of course
51:13kaya
51:13nag-agi
51:14mag-process
51:14mag-dugay-dugay
51:15no
51:16so
51:16maunang
51:17itong
51:17naisugutan
51:18ganihan
51:18nga
51:19kitang
51:20mga
51:20OFW
51:20or
51:21nabilin
51:21kinang
51:21nga
51:22andam
51:23gita
51:24mindful
51:24gita
51:24pareha
51:25sa inganin
51:25ng mga
51:25butang
51:26kita
51:27nga
51:27pamilya
51:28gusto
51:28kita
51:28maulit
51:28da
51:29yun
51:29pero
51:32muna
51:32mag-agi
51:33kitang
51:33process
51:34so
51:34mag-dugay-dugay
51:35gyan
51:35kaya
51:35dili man
51:36abay
51:36dita
51:36yes
51:37kaya
51:37kaya
51:37naman
51:38sa assistance
51:38po
51:39so
51:39muna
51:39ang mga
51:41OFW
51:41diha
51:42karoon
51:42nga
51:42nagpaminaw
51:43so
51:44savings
51:45yun
51:45ay gina
51:45ninyo
51:46kalimti
51:46kay
51:47magkinaun
51:47sa mangani
51:48at least
51:48na ay
51:48pang-abag
51:49yes
51:50na ay
51:50pang-abag
51:51yun
51:51yes
51:52sige
51:52aduna
51:53pa ilaing
51:53pangutana
51:54kikan
51:55kay
51:55mga
51:55Mary Jane
51:56Lopez
51:56ma'am
51:57kadugay
51:58gud
51:58marilis
51:59sa death
51:59claim
51:59ng
52:00banako
52:00napatay
52:01sa
52:02Saudi
52:023
52:02months
52:033
52:04months
52:04na
52:04wala
52:05ko
52:08death
52:08claim
52:08ng
52:08banako
52:09so
52:103
52:10months
52:10na
52:10daw
52:11sige
52:11ma'am
52:11Mary Jane
52:12mo
52:13arak
52:13i-chat
52:14karoon
52:14ma'am
52:14Mary Jane
52:15ang pangutan
52:16na taga
52:16asaka
52:17ni si
52:17ma'am
52:17Mary Jane
52:18Lopez
52:19asaka
52:19siya
52:20ni
52:20file
52:20unsan
52:21nga
52:21death
52:21claim
52:21ka
52:22pun
52:22sa
52:22UWA
52:23baka
52:23nga
52:23death
52:23claim
52:24or
52:24sa
52:24SS
52:24or
52:25insurance
52:25agency
52:26so
52:27ito
52:27alam
52:28nang
52:28i-contact
52:30para
52:31mahibawaan
52:32na
52:32to
52:32unsan
52:33na
52:33status
52:33sa
52:34i-apply
52:34yan
52:35o
52:35ganas
52:35i-apply
52:36kay
52:36ka
52:37nang
52:37para
52:38ma-verify
52:39na
52:40to
52:40atuabag
52:42yun
52:42napuntay
52:42numbers
52:43ofisina
52:43pwede
52:44po
52:44ka
52:44matawag
52:45ma'am
52:45para
52:45makatabi
52:46ni
52:46mo
52:46ang
52:46in
52:47charge
52:47kasi
52:48mamay
52:48lagi
52:48hapon
52:49okay
52:50laing
52:50pangutan
52:51nagikan
52:51kang
52:52ma'am
52:52Evelyn
52:53Lojera
52:53as
52:54lang
52:54din
52:54po
52:55bago
52:55ba
52:55magbigay
52:56ng
52:57pera
52:57ang
52:57OWA
52:57scholarship
52:58kami
52:59muna
52:59ang
53:00magbabay
53:00ng
53:04so
53:05kanisiya
53:05kanang
53:07scholarship
53:08na siya
53:08or
53:08reimbursement
53:09so
53:09dependig
53:10hapon
53:10na
53:10sa
53:11sabot
53:12or
53:13if ever
53:13nakabayad
53:14na
53:14naka
53:15full
53:15payment
53:15sa tuition
53:16reimbursement
53:18ng
53:18pamaagian
53:19na
53:19but
53:19pwede
53:19mampud
53:20i-direct
53:21na mo
53:21sa school
53:21ang
53:22pagbayad
53:23sa
53:23tuition
53:24or
53:24sa
53:24assistance
53:26so
53:27pwede
53:27lagi
53:27hapon
53:27na
53:28kung
53:29dili
53:30ka
53:30mubayad
53:30i-muhang
53:31kwarta
53:32sa
53:32una
53:32dili
53:32i-reimburse
53:33then
53:34ang
53:34oa
53:34mismo
53:34ang
53:35mubayad
53:35sa
53:35school
53:36okay
53:37no
53:37lain pang
53:38pangutana
53:39gika
53:39ni ma'am
53:40idang
53:40princess
53:41ma'am
53:42kailan
53:42po
53:42ang
53:43result
53:44ng
53:44exam
53:44sa
53:45scholarship
53:45so
53:46ka to
53:46siguro
53:47niyong
53:47nahitabo
53:47no
53:48April
53:495
53:50and
53:506
53:51examination
53:51no
53:52so
53:52sa
53:52mga
53:53nangutana
53:53for
53:54sure
53:54nag
53:54huwat
53:55no
53:55kaya
53:55hapit
53:56na
53:56biyapod
53:56ang
53:56klase
53:57asa
53:57naman
53:57scholarship
53:58no
53:59so
53:59maghulat
54:00lang
54:00yun
54:03ato
54:03aray
54:04gineng
54:04ipost
54:04diha
54:05ang
54:05mga
54:05successful
54:06examinino
54:07nga
54:08nasood
54:08sa
54:08ito
54:08ang
54:08scholarship
54:09ito
54:10po
54:10na
54:10silang
54:10tawagan
54:11of
54:11course
54:11sa
54:12mga
54:12active
54:13giyo
54:13dapat
54:13inyong
54:14mga
54:14contact
54:14number
54:15nga
54:15gibotang
54:15during
54:15application
54:16and
54:17inyong
54:17email
54:18post
54:19mansad
54:20na
54:20ang
54:20mga
54:20names
54:21kung
54:21kinisa
54:21ang
54:21passers
54:22yes
54:22okay
54:23sunod
54:24nga
54:24pangutana
54:25from
54:25Josephine
54:26C
54:27Giro
54:27Diaz
54:28good
54:28p.m
54:29when
54:29manawat
54:29ang
54:30scholarship
54:30ang
54:30OWA
54:317
54:31para
54:32next
54:33school
54:33year
54:34okay
54:34so
54:35kanisiya
54:35magpaabot
54:36gihapon
54:37ginta
54:37o
54:37kanang
54:38post
54:39sa
54:39facebook
54:40page
54:41online
54:41naman
54:42ginta
54:42itong
54:42pagpanawat
54:43sa
54:43scholarship
54:43so
54:44magpaabot
54:45mga
54:45sa
54:45advice
54:46sa
54:46head
54:46office
54:47kung
54:47kanusa
54:47na
54:48mag
54:48sulod
54:49na
54:49manawat
54:50o
54:50scholarship
54:51so
54:51keep
54:52posted
54:53lang
54:53ginta
54:53kanunay
54:54kung
54:55sige
54:55tagtan
54:55out
54:56sa
54:56reels
54:56unsapan
54:57na
54:57diha
54:57apilo
54:58na to
54:58ang
54:58OWA
54:59Facebook
55:00page
55:01para
55:01lagi
55:01tayo
55:02makuha
55:02mga
55:02infos
55:03mga
55:03updates
55:04okay
55:05another
55:05question
55:06gika
55:06ni
55:07ma'am
55:07Faye
55:07Maria
55:08ugg
55:08single
55:09ang
55:09OFW
55:10niya
55:10walay
55:10single
55:11siblings
55:12para
55:14niya
55:15sa
55:15scholarship
55:15na
55:16question
55:17single
55:17ang
55:17OFW
55:18niya
55:19wala
55:19siya
55:19single
55:20siblings
55:21okay
55:21so
55:22itong
55:22scholarship
55:24para
55:26ragid
55:26sa
55:27ito
55:27immediate
55:28family
55:29no
55:29kung
55:30married
55:30si
55:30OFW
55:31niyan
55:32ay
55:32anak
55:32of course
55:33automatic
55:34ito
55:34sa
55:34anak
55:34pero
55:35kung
55:35married
55:36si
55:36OFW
55:37wala
55:38siya
55:38anak
55:38pwede
55:39ra
55:39ang
55:39iyahang
55:40igsuon
55:40basta
55:41makasupport
55:41lang
55:42sa
55:42certificate
55:44of
55:45no
55:45child
55:45mag
55:46file
55:47sila
55:47anak
55:47so
55:48if
55:48single
55:49si
55:49OFW
55:49ang
55:50iyahang
55:50wala
55:51anak
55:52kung wala
55:53y sibling
55:53so
55:54wala
55:54na
55:54wala
55:59magid
55:59daw
55:59to
55:59y sibling
56:00na
56:00single
56:01po
56:01siya
56:02so
56:03wala
56:03na
56:03siya
56:03anak
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