Dubai Raj (PERSONAL FINANCE)
28 December 2009 DUBAI – Abu Dhabi and Dubai are where people elect to come to live due to the benefits of tax free living, diversity of life and year long sun.
What one needs to understand about coming to work here is that, despite your circumstances, the reason why you should be employed here is because you bring skills to the table and that is what you are being compensated for.Having said this, if you are willing to take a certain salary, you can work away with minimal skills.
There is clear evidence that the increasing expat population in the UAE is fuelling demand for Western-style remuneration practices, reflecting the growing importance of benefits, long-term incentives and lifestyle products. The traditional focus here has been on basic salaries and cash allowances, but we are now experiencing an increased interest in other benefits, such as supplemental pension plans.
Source: Mercer’s Middle East Survey 2007-2008.
Currently, under the UAE Labour Law, employees are entitled to a lump sum, payable at the end of service, known as Terminal Gratuity, that falls due only when an employee leaves service.
There are essentially three elements of severance pay under the Labour Law:
* An end-of-service gratuity; Outstanding holiday pay; The costs of repatriation.
- Under Article 132, an employee is entitled to an end-of-service gratuity only if he or she has completed at least one year of continuous employment. In this case, the employer is obliged to pay the equivalent of 21 days’ wages for each of the first five years of employment, and 30 days’ wages for each additional year, provided that the total amount is no more than two years’ wages. Gratuities are calculated from the basic wage, excluding all allowances. Most companies apply a minimum service length of 12 months. Benefits are usually payable as a lump sum and are funded locally (in 50 per cent of cases) or through an offshore vehicle. In practice, employees in the free zones, such as the Jebel Ali Free Zone and the Dubai Airport Free Zone, are subject to the rules and regulations of the free zone concerned and maintain their own employment contracts. However, the Law will still apply and the provisions in the employment contract must be in accordance with the Law. Moreover, it should be noted that free zone employees are sponsored by the relevant free zones and not by
their employers.Since there is no real retirement system per se, the labour law states that an end of service benefit must be paid after a year of service.
Usually you are covered for being brought here and returning home, by means of an airline ticket. Above this, some companies pay for extra elements, including shipping of items, and tickets for the families. Obviously, if you do not return home after you finish your job, then this is not applicable. Since gratuity is calculated on an annual basis or part thereof provided that the employee has actually completed one year of employment with the employer or more, days of absence from work without pay are not included in calculating the length of service.
However, he will be entitled to end of service gratuity for fractions of a year he spent in service provided that he has completed at least one year in continuous employment.
Each and every employer within the UAE is required by law to pay service related severance gratuities to their employees, and the longer the employee has worked for a particular business the bigger the end of service gratuity payment will be.
Consequently, employers are seeking to establish structures that will assist them in meeting these end-of-service liabilities as they fall due. Because of the way in which international retirement benefits schemes legislation works, the Isle of Man is one jurisdiction that is able to give UAE employers the ability to fund for end of service benefits in a flexible, secure and tax neutral manner in a fully regulated environment
It is quite common for companies to have three or six-month probation periods written into employment contracts. Some companies may delay the residency process illegally until the probation period is up, which can make settling in difficult — no residency means then you cannot sponsor family members, buy a car or even get a bank loan.
You may also not be eligible for sick leave or annual leave during your probation period. Trade unions do not exist here. In case of a dispute between employer and employee, the Ministry of Labour and Social Affairs will initially act as an adjudicator, in an effort to resolve matters. If a party wishes to appeal any such decision it can take its case to court. Strikes and lock outs are forbidden.
Bobby Reyes – a Rusty Balderian in the making : A tale of Two OFWs in Philippine politics
Roberto “Bobby” M. Reyes, “Lolo Bobby” is a friend of mine in the OFW community. He is an OFW in U.S.A. for 22 years. He never abandoned his legal residence in the city of Sorsogon. He is now running for Governor of Sorsogon Province. “Lolo Bobby” a play in the words for “Law and Order and Less government and Opportunities equally to all” wants to serve his constituents – his long time dream.
Bobby Reyes, a journalist, book author and a community organizer decided to cast his lot, by downloading copies of the COC from the website of the Commission on Elections in the Philippines, accomplished the forms and sworn to his COC before surprised Philippine Consulate officials before dropping the COC by registered mail at the Los Angeles post office addressed to the Comelec office in the Philippines.
Joseph Lariosa in http://www.mabuhayradio.com/ wrote that Reyes, 63, was a beneficiary of a petition for a permanent residence that became current last March 2008 but he did not pick up the option to apply for a Green Card because he wanted to keep his Filipino citizenship and Philippine legal residence that will make him eligible to run for an elective office in the Philippines.
“The Immigration and Naturalization Service informed me that I could stay in the United States but it could not guarantee that I would be admitted back if I leave the country for the Philippines or a third country,” Reyes said.
If he loses, Reyes explained, “I will prepare for the next gubernatorial election in 2013. I can always get back to the United States on a ‘Business’ visa or perhaps I will let my son then petition me as a parent when I reach the late 70s. But I don’t want to spend the rest of my days in a nursing home, as I plan to spend the rest of my life promoting the 500th anniversary of the voyage of Ferdinand Magallanes in 2021. And of course write more books and teach.”
Reyes will be the like of OFW Rusty Balderian, that despite of having a good life as a successful businessman in the USA’s healthcare industry landed serving his constituents as Mayor in Tabon Tabon, Leyte. A story of a young man from a family which owned a sari sari store in his town who practically supported himself as a working student to become an optometrist and a physician.
In 2003 before he entered politics he went back to his hometown and opened a school for nursing. It was put up to help the less privileged students to attend a four-year college in nursing; no tuition fee, whatsoever is being charged to any student; use of school facilities, laboratory, computer room, fire truck, books, library, is FREE; boarding is also provided free; quality education, complete with quality and qualified Faculty staff and employment at U.S. hospitals has been pre-arranged for those who will pass the CSGFNS; and many more fringe benefits which Dr. Balderian shoulders.
Dr. Rusty Balderian (my kumpare) is now running for Congress in the 2nd District of Leyte.
As for Lolo Bobby Reyes “I would not have entered the contest if my backers and advisers did not think that I have a good chance of toppling the corrupt Establishment. But remember the adage, ‘the bigger they are, the harder they fall.’ I will capture national attention if I win and friends are saying that as governor, I will become the overall leader of the OFWs and the Overseas Filipinos, because I will still be active in Filipino community affairs in the United States, especially in Southern California.”
Lolo Bobby’s family is not new to politics in Sorsogon Province. The family of Reyeses already produced two governors (Juan S. Reyes and Teodosio Diño), a congressman (Juan S. Reyes), a constitutional delegate (Jose S. Reyes) and a municipal mayor (Jaime S. Reyes). He is also the brother of a former Sorsogon City councilor, Sylvia Reyes-Lao and Carlos M. Reyes, Sorsogon incumbent Provincial Board member.
To my friend “Lolo Bobby” and “Pareng Rusty”, Good Luck!
Family visa now linked with salary
P.K. Abdul Ghafour | Arab News
JEDDAH: The Foreign Ministry will issue permanent resident visas for wives and children of expatriate workers in the Kingdom, without considering their profession, Al-Yaum Arabic daily has reported.
“The ministry’s office in Riyadh issued such recruitment visas for three days last week and stopped it temporarily. It is expected that the ministry would resume the service next month,” a ministry source told the paper.
The news is a relief for many of the seven million expatriate workers, who are unable to bring their families on resident visas due to their profession written on their iqamas.
The Foreign Ministry and the Recruitment Office only issued permanent resident and visit visas to those in white-collar jobs such as engineers, doctors and executives. The Al-Yaum report said the ministry would only look at the financial status of the applicant. “The family visa is no more linked with profession,” the source said. He said the ministry stopped processing applications in order to implement the new criteria. “This is a great news for thousands of professionals like me who are unable to bring their wives and children to the Kingdom because of the profession in iqama,” said Shabeer Ali, a computer engineer based in Jeddah. Ali said he has been trying to bring his family to the Kingdom ever since his marriage. “Until now I could not, because they look at the profession on my iqama, which is an electrician. I had presented my Masters degree certificate in computer science attested by the Saudi Embassy, as well as my salary certificate, but they rejected my application,” he said.
He said he had never known about this problem before coming to the Kingdom.
“I know that there are thousands of expatriate workers who are highly qualified and earn good salaries but cannot bring their families because of their profession. I take this opportunity to thank the Saudi government for changing this policy and consider it a great blessing from God.” The Arabic daily said the ministry’s branches in Jeddah and Dammam have not implemented the new system as they have not been informed about the changed criteria.
Over the past three weeks, the ministry’s Riyadh office was issuing visit visas to all expatriate workers for their families without considering their profession.
K.C.M. Abdullah, a freelance journalist based in Riyadh, told Arab News that hundreds of people, including laborers, farmers and construction workers had benefited.
“Now they have stopped issuing visas to drivers and other house servants,” he pointed out. Some people claimed the visa rules were relaxed to mark the return of Crown Prince Sultan to the Kingdom after a yearlong medical trip.
Abdullah said the ministry used to accept around 800 applicants daily, adding over 1,000 people stood in the queue from early in the morning to present their applications made through the ministry’s website.
He said the revised service started a week before the Eid Al-Adha holidays.
After hearing the news of the relaxation in visa rules a large number of Indian workers approached the Indian Embassy in Riyadh and consulate in Jeddah to include names of their spouses in their passports. Indian missions are now issuing new passports after including spouse names. People who want to include the names of spouses should attach attested marriage certificates. Those who have married recently should register their marriages by producing relevant documents.
please read related entry and news item>>>>>> NO CHANGE IN FAMILY VISA RULES
There is a mathematical probability of putting one ofw in the senate:
There are 7 Million ofw’s worldwide, assuming 30% of this will be able to vote, its about 2.1 Million OFW votes. Assuming an average family size of 4 (husband, wife and two children at voting age), its now 8.4 Million votes. I am sure that we can convince our immediate family 100% to vote for a fellow-ofw. Assumig further that each of the 2.1 ofw’s with a chance to vote will target 15 other filipinos from his/her circle of relatives (parents, brothers, sisters, cousins, nephews, nieces) and circle of friends (barkada, kaklase, kapitbahay, kababata, etc) – this is equivalent to 31.5 Million votes (2.1 M x 15). The final canvass – 39.9 Million (8.4 + 31.5) votes, which i think is enough to send one “kabayan” to the senate.
Now that we are able to see the numbers, we realize that this is no longer wishful thinking, we can do this. However, we must do our share in the whole scheme of things – 15 votes from your immediate circle of relatives and friends is not a huge task – I actually think we can even target 20 to 30. Relatives are easy, friends – madami dyan nakakatikim lagi ng tsokolate, sabon, lotion at iba pa tuwing dadating ka, di pa kasali ang inuman at kainan at kunting pautang sa oras ng kagipitan, now is the time to at least ask for a small return favor. Another positive factor – communications today is very easy – email, text, cheaper long distance calls. It really doesnt matter kung nasa abroad tayo, we can still do our share in the campaign. Come to think of it, if we hit 30 target votes for each – this is around 63 Million votes, topnotcher na to sa senado.
Here is another helpful tip – every average voter will probably have 5-8 solid senators out of the required 12 in their individual preferential list. Ang balance dyan ay panakip butas na lang, just to complete the 12 allowed votes. In my experience, kadalasan 1 or 2 votes for senators ay minadali na dahil wala ng oras. Kadalasan di mo na nga matandaan kung sino yung last 2 or 3 na napili mo. Given this, it will not be that hard to tell our friends or relatives, paki sali naman yung isang manok natin, kahit doon na lang sa panapon na boto nya, para di naman masayang ang vote nya.
I’m sure after looking at the above scenarios, we can all feel positively na kaya natin to. We must do our share, this is the whole point and the assigned task for each is so easy, sa isang oras na text lang or email baka na-accomplish na natin ang share natin. Alam na natin that we need some representations at the highest level, yung taong kaisa natin, galing sa atin. However, alam naman natin ang mentality ng kadamihan, ok sana kaya lang wala naman mangyayari, kunti lang tayo, sayang lang. Now ikalat na nating ang mathematical probability na to, na we can do it and its really very easy para matauhan ang lahat ng yun lang pala yun – PWEDEEEEEEEEEEEEEEEEEEEEEE!!!!!!!!!!!!
We have been glamorized as modern day heroes, saviour of the nation, redeemer in times of economic distress. Pero hindi natin maramdaman eto and individually as an ofw wala naman tayong nakikitang prestige or glamour man lang sa mga monickers na to. The facts are pag nasa pinas tayo, sinisigawan lang tayo ng isang sekyu sa airport at tinataboy ang ating mga mahal sa buhay na parang mga hayop na umalis na at madaliin ang pagpapa-alam. Saan ba sila naghihintay pag dumadating ka, sa isang higanteng hawla, kala mo pumunta ka sa Manila Zoo, paghalik mo tuloy sa asawa mo at mga anak mo nahilamusan ka pa ng pawis nila. Pag nasa POEA ka, doon sa basement ka kukuha ng OEC, at ganun din kabangis ang asal ng mga sekyu at workers doon. Pag nagipit ka, sino ba ang nalalapitan mo sa gobyerno, mayron naman dyan pero libo libo kayong may problema, kaya wala kang priority. May programa ba tayong purely for ofw’s – I think wala, sa SSS at Pag-big at Medicare, singit lang tayo. Ang OWWA naman, aywan kung ano to, basta nagbayad tayo kasi kailangan ng OEC. Nakita nyo ba sa TV yung mga dependents natin nag-aaway-away na sa pila sa OWWA para makahiram lang ng sampung libo dahil sa nakaraang bagyong Ondoy at Pepeng. Madami tayong hinaing, maraming problema ang supposed to be heroes na alam naman natin na “lip service” lang ag binyag sa atin na to – “hero ka dyan”.
Our impact in our country is gained from our collective efforts particularly yung suma total ng ating remittances. The key word or the operative word here is “collective”. Individually, walang effect – yung $1000 na pinadala mo, walang effect but the $1000 na pinadala ng 5 Million ofw’s sa isang buwan is equivalent to $5 billion, yun ang may impact. Its about time para gamitin din natin ang ating collective power, we have this in our hands but not as individuals but as ofw’s collectively, acting as one huge, gigantic force.
Lets start with this electoral exercise, iparamdam na natin kung sino tayo, let start doing things from the position of strength, ipakita natin na we are a force to reckon with, that we can indeed make or break our nation. One OFW in the senate, this is not too much to ask for, set aside natin ang president and vice president, im sure we have our own choices. Kaya natin to, look at the numbers and look at your share in the undertaking, peanuts, no sweat. Lets not forget the operative word always, “collective”, for once, let us start being one.
Salamat po and good luck sa ating lahat………. OFW – ONE FILIPINO WORKER
From: an OFW like YOU
COMELEC List of Approved Candidates for 2010 Philippine National Election.
1) Benigno “Noynoy” Aquino III (LP)
2) Richard Gordon (Bagumbayan)
3) Ma. Ana Consuelo “Jamby” Madrigal (independent)
4) Manny Villar (NP)
5) Gilbert “Gibo” Teodoro (Lakas-Kampi-CMD)
6) Joseph Ejercito “Erap” Estrada (PMP)
7) Eddie Villanueva (Bangon Pilipinas)
8) Carlos “JC” Delos Reyes (Ang Kapatiran Party)
1) Manuel “Mar” Roxas III (LP)
2) Loren Legarda (NP)
3) Bayani Fernando (Bagumbayan)
4) Edu Manzano (Lakas-Kampi CMD)
5) Jejomar Binay (PMP)
6) Perfecto Yasay (Bangon Pilipinas)
7) Jay Sonza (KBL)
8 ) Dominador Chipeco (Ang Kapatiran)
1) Nereus Acosta (LP)
2) Sharuff Ibrahim Albani (KBL)
3) Zafrullah Alonto (Bangon)
4) Ana Theresa Baraquel (LP)
5) Jv Larion Bautista (PMP)
6) Martin Bautista (LP)
7) Silvestre Bello III (Lakas Kampi CMD)
8) Rozanno Rufino Biazon (LP)
9) Bong Revilla (Lakas Kampi CMD)
10) Henry Caunan (PDP Laban)
11) PIA Cayetano (NP)
12) Rizalito David (Ang Kapatiran)
13) Joey De Venecia (PMP)
14) Miriam Defensor Santiago (PRP)
15) Franklin Drilon (LP)
16) Juan Ponce Enrile (PMP)
17) Jinggoy Estrada (PMP)
18) Ramon Guico (Lakas Kampi CMD)
19) Teofisto Guingona III (LP)
20) Jo Aurea Imbong (Ang Kapatiran)
21) Kata Inocencio (Bangon)
22) Alexander Lacson (LP)
23) Raul Lambino (Lakas Kampi CMD)
24) Rey Langit (Lakas Kampi CMD)
25) Yasmin Lao (LP)
26) Lito Lapid (Lakas Kampi CMD)
27) Alma Lood (KBL)
28) Aplonario Lozada (PMP)
29) Regalado Maambong (KBL)
30) Fredinand “Bongbong” Marcos Jr. (NP)
31) Liza Maza (Independent)
32) Ma. Judea Millora (KBL)
33) Ramon Mitra (NP)
34) Ramoncito Ocampo (Bangon)
35) Satur Ocampo (Bangon)
36) Susan Ople (NP)
37) Sergio Osmena III (Independent)
38) JOvito Palaparan, Jr. (Independent)
39) Imelda Papin (KBL)
40) Zosimo Paredes (Ang Kapatiran)
41) Gwendolyn Pimentel (PDP Laban)
42) Rodolfo Plaza (NPC)
43) Reynaldo Princesa (Bangon)
44) Ariel Querubin (NP)
45) Ralph Recto (LP)
46) Gilbert Remulla (NP)
47) Ma. Gracia Rinoza Plazo (Ang Kapatiran)
48) Sonia Roco (LP)
49) Adrian Sison (Ang Kapatiran)
50) Vicente Sotto III (NPC)
51) Adel Tamano (NP)
Yesterday, 13 of December was the 4th Year OFWempowerment blog anniversary. I would like to offer my deep gratitude to my fellow OFWs and of course to all my readers who visits ofwempowerment blog regularly. For the past few months our stats or the number of visitors keeps climbing up as shown herein below the number of visitors for the past few weeks.
December 10, 2009 was the busiest day so far where we got 245 hits for a total views of 25,473 as of today 14 December 2009.
I hope more visitors will be able to read postings that might interest you as an Overseas Filipino Workers not only in Saudi Arabia but to all Filipino expatriates in the four corners of the globe.
To all those who leave their comments and ask for my personal advice, thank you so much for your trust, though the information is not enough but hopefully we can give more precise information in the future.
To WordPress themes and templates, Thank you so much!
To all of you, I know that a simple thank you is not enough but it is coming from the bottom of my heart. Have a great and blessed day!
OFW Empowerment Blog Stats :
Total views: 25,473
Busiest day: 245 — Thursday, December 10, 2009
|Nov 292||Nov 3160||Nov 4136||Nov 5101||Nov 699||Nov 773||Nov 8122||783||112|
|Nov 9175||Nov 10117||Nov 1197||Nov 12107||Nov 13104||Nov 1489||Nov 1581||770||110||-1.66%|
|Nov 16126||Nov 17105||Nov 18106||Nov 19103||Nov 2063||Nov 2196||Nov 2284||683||98||-11.30%|
|Nov 23119||Nov 24134||Nov 2599||Nov 2688||Nov 2770||Nov 2868||Nov 29101||679||97||-0.59%|
|Nov 30117||Dec 1144||Dec 2204||Dec 3179||Dec 4112||Dec 589||Dec 6105||950||136||+39.91%|
|Dec 7144||Dec 8178||Dec 9163||Dec 10245||Dec 11126||Dec 12115||Dec 1329||1,000||162||+19.25%|
Good news from Amnesty International.
Dear Supporter, Today is Human Rights Day – and we bring you some reasons to be cheerful. The news headlines seldom seem positive, yet looking back on 2009, we have found much to celebrate – we’d like to share a few of these highlights with you.
Thank you for all your support during the year.
FREEDOM for Guantánamo detainee. In January, President Obama announced that Guantánamo would be closed. In February, Binyam Mohamed was released. He thanked those who wrote to him, saying “I would not be home in Britain today if it were not for everyone’s support. Indeed, I might not be alive at all.” More
ACTION on dangerous arms loophole. In April, new legislation on UK arms controls came into force, closing a dangerous loophole that left UK gun-running companies free to traffic small arms and ammunition to human rights hotspots.
PROTECTION for Brazilian family. In July, we learned that a huge response from Amnesty’s Urgent Action Network had helped to bring safety for Jose Luis da Silva, Severina dos Santos Silva and their family after threats to their lives which they believe were linked to their fight for land rights. More
A NEW CHANCE for Troy Davis. In August, after years of campaigning, the US Supreme Court ruled that death row prisoner Troy Davis should have a chance to prove his innocence before the state of Georgia executes him. We expect the hearing to begin in the New Year. More
A big step towards JUSTICE in Gaza. In early November, we saw the biggest breakthrough yet in the campaign for justice for victims of the Gaza conflict. The UN General Assembly voted overwhelmingly to endorse the Goldstone Report. This calls on Israel and Hamas to investigate war crimes or face intervention by the International Criminal Court. More
GOOD NEWS from the UK government. In late November the government announced an integrated strategy to tackle all forms of violence against women, including rape, domestic violence, trafficking, and forced marriage. This is great news after five years of campaigning to stop violence against women. More
As what I have said “WE are gathered here today to be part of another history – of not just a success but hopefully a continuing activity from today – it means – WE will exert our best effort to have this important event to transpire every YEAR – thus the 2nd KACST Inter-Color Basketball Tournament is born again; and in a few minutes we will be witnessing the opening of this event.
Yet this event will not just end up here – the purpose of this tournament is to form a team called: “NUCLEUS” and this NUCLEUS Team from KACST as per our Chairman Nestor Alvarado is ready to compete in an Invitational Tourney held in the coming months.
This sports activity we have today and the succeeding days to come will be a positive sign on the lives of all concerned. The spirit of sportsmanship fostered and strengthened relationships necessitated the spirit of camaraderie among KACST management, the Islamic Center and employees. It means cooperation, togetherness and support for and among us, and at our work places.
Every participating team will play to win but will do it in the spirit of harmony, unity and goodwill. Sports embodies universal values, it is a celebration of the human spirit. We – the participants shall put aside any differences and come together as one.
We heartily convey OUR deep gratitude to the KACST Management for their valuable support especially to our Special Guest Mr. Abdullah Al-Swailim (Good Day Sir), To Director Engr. Alboiez, to ISMAEL DELA PAZ of the Islamic Center – Al Shifa, Thank you brothers for your untiring support, without you, The 2nd KACST Inter-color Basketball Tournament would never have been possible. Again our heartfelt thanks to ISLAMIC Center – Al Shifa and the management of King Abdulaziz City for Science and Technology-KACST.
The 2nd Part of our program is an Invocation to be led by …