The following is the actual letter sent to me by IREMIT ======================================== To our Valued Customers, We trust you read this note in good health. We are writing in reference to the on-going round of petitions for Australian banks to keep the accounts of Filipino remittance companies open. We are happy to inform you that we have joined the Australia Remittance and Currency Providers Association (ARCPA) in order to pursue this common objective.

Vigan made it to the finals!  Vote for Vigan City as one of the new 7 Wonders Cities of the World in the final voting phase!  Photo from TPB Libary

On November 23, Pinoys will again drop everything to watch the country’s pride Manny ‘Pacman’ Pacquiao battle it out with the young and hungry Chris Algieri of the US. If you are a Smart, Talk ‘N Text, and Sun Cellular subscriber, you are in for a treat. For the first time, you can watch Pacquiao’s fight live and with no commercial breaks, on your mobile device, for only P199. Pacquiao-Algieri Fight

Remittance fees being charged for money sent by Filipino workers abroad will go down. This was after a consensus was reached by world leaders at the recent G-20 summit in Australia. - ANC, Prime Time, November 20, 2014 Watch the video Remittance fees to go down on Yahoo Yahoo Philippines News. https://anc.yahoo.com/video/remittance-fees-down-234411129.html

Low, low Fares to Manila from Sydney It's time to plan for your 2015 holidays or invite friends and/or relatives to go to Manila. But you have to hurry as  Sale Period is until November 21, 2014 only or until seats last . TRAVEL PERIOD: DEC. 1, 2014 - MAR. 31, 2015 Sydney - Manila        AUD 199 ALL-IN Sydney to Manila Advertised fare is one way inclusive of 7 kg carry-on luggage allowance, AUD 55 Passenger Movement Charge, AUD 31.25 Passenger Service Charge and AUD 4 Web Admin Fee.  Fare available (from Nov. 19–21, 2014) but not on all flights or days. Fare is non refundable (subject to statutory rights).  Limited changes permitted, charges apply. Fare does not include checked-in luggage allowance which can be purchased at time of booking.

Low, low Fares to Hong Kong It's time to plan for your 2015 holidays or invite friends and/or relatives to go to Hong Kong. With the current promo from Cebu Pacific Air you can visit Hong Kong from Sydney (AUD 499) But you have to hurry as Sale Period is until November 30, 2014 only or until seats last. Round Trip Sydney - Hong Kong        AUD 499 ALL-IN Sydney- Hong kong Advertised Sydney to Hong Kong fare is for roundtrip travel, inclusive of 7kg carry-on luggage, 15 kg checked luggage, Hong Kong and Australia country specific charges, Web Admin Fee and Fuel Surcharge.  Fare is available (from Oct. 28 - Nov. 30, 2014) but not on all flights or days. Fare is non refundable (subject to statutory rights).  Limited changes permitted, charges apply. Advertised fare does not include meals which can be purchased at time of booking. 

UPDATED: July 2020 At this time of crisis, we must be smart financially. You can take a look at these financial products and take advantage of their technical and savvy features to earn rewards or even avoid fees like dishonour fees. Summary: 1. Transferwise Debit Card 👈 2. HSBC Everyday Global ( 2% cash rebate, $100 account opening bonus, 0% intl fees ) 3. ING (high interest, 0% intl fees) 4. UBank (high interest, sweep technology ( avoid dishonour fees ), best to link for Raiz and Spaceship Voyager) 5. Commonwealth Bank Diamond Rewards Card 6. Coles and Woolworths reward cards In Australia, with almost all merchants have EFTPOS (electronic funds transfer at point of sale) machines already, I and my family rarely use cash any more to buy our things. We use our debit/credit cards in combination with a loyalty card and/or discount card. In this regard, I am happy to share with you the plastic cards we keep and how we are saving using them. HSBC Everyday Global Reasons:  1. Whe...

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

From our previous blog, we shared some info regarding the imminent closure of remittance providers in Australia. If the business of most remittance providers such as iRemit and ForexWorld would closed or be affected, it is time to look for other ways. see  Filipino and other Remittance Providers in Australia to be close on 24 November 2014 From my own personal research/readings, the big four Australian banks are joining many of the world's largest banks in fighting money laundering and terrorism funding and eventually will make it difficult for Asia and the Pacific's poorest people from receiving remittances from relatives in Australia. That's basically the gist on why remittance providers will likely be closing soon. Nevertheless, I am here to discuss about WorldRemit - which has offices in UK, US, Canada and Australia - may be here to stay. I've been using WorldRemit for quite a few time already to send money from Australia to UK and the Philippines. I h...

Major banks in Australia plans to shut all remitter accounts by Monday 24 November 2014. This news is now circulating in Facebook. At first, I found it to be a hoax only but a friend shared to me a page or website from a Filipino remittance company ( https://www.forexworld.com.au ) which also says the same. For many Australians, the low-cost and fast money transfer services provided by registered remitters is the only way they can send essential funds home safely and securely. These funds are considered a lifeline to the many communities that depend on them. Hundreds of migrant communities across Australia will lose their ability to send money home to family and friends if banks continue their plans to close the accounts of remitters. The last of the major banks plans to shut all remitter accounts by Monday 24 November 2014. Without bank accounts in Australia, remitters cannot complete the transfer of their customers’ funds to destination countries, which means that...

Real Life Needs Real Plans By: Eduardo F. Jarabe - Philamlife Agent  Where is the best place to invest? In the recent interview by CNN with Mr. Michael Spencer, Deutsche Bank Chief Economist for Asia. He said, the best country to invest is in the Philippines. Philippine economy is very consistent in its growth. Together with Peru, the Philippines are among emerging economies that would become much more prominent in the next few decades. The Philippines is set to leapfrog 27 places to become the 16th largest economy by 2050, according to a prediction of international bank HSBC. The last time I attended an OFW forum, one of the questions arises was, how long will you be staying abroad to work? Majority of them answered, maybe 15 to 20 years still because they don’t have enough savings yet. I felt sad. I realized that as a Financial Planner it is my duty to inform and assist every Filipino specially OFWs to meet their financial goals. I am sharing to you Philamlife’s Financial ...

As an OFW and an OWWA member, are you already aware of the benefits and services that you are entitled to? OWWA An OWWA member-OFW is entitled to services and benefits over and above the provisions of the employment contract offer of employers or the laws of the receiving country. For an £18.00 / 25USD membership contribution (renewable every two years, or for the duration of his/her contract if its less than two years), an OWWA member is entitled to the following benefits and services: Insurance and Health-Care Benefits Life Insurance. A member is covered with life insurance for the duration of his employment contract. The coverage includes Php 100,000.00 for natural death and Php 200,000.00 for accidental death .

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Moderating greed is one of FOREX Traders dilemmas. If your trades are winning, you are sometimes tempted to hold on or tempted to close early.   The newsletter below is the actual newsletter for the Unlitrader subscription from unlitrader.com You can see the advice from our mentor, Mark So and the actual screenshot from his own trading  account. ------------------------------------------------------------------------------- Unlitrades Closed for A Majestic +1,902Pips!!! All Losses For October Recovered And Then Some! Done For The Month!!! By  Mark So  on October 31, 2014 10PM Hi All! Thanks to the FOMC and the surprise move by the BOJ today, I’m happy to say that majority of the trades have hit limits while the rest of the trades did splendidly. I’ve manually closed out all trades for a majestic +1,902Pips!!! Singletrades by comparison made a very respectable +518Pips as well which has helped recover ALL trade losses for the month of October!!!

You want to watch Filipino News but do not have TFC TV subscription? Tired of watching blurry and full of ads clips from YouTube?  Do you want to watch a recording of the latest sports events such the FIFA World cup 2014, football, basketball, rugby, etc? SBS on Demand - This is the new app I have stumbled onto, that allows Filipino News & Current Affairs. SBS on Demand You can watch recorded Filipino news like Bandila and TV Patrol through your smartphones and smart TVs. Just search for 'SBS on Demand' on Apple Store or Google Play store.