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President Rodrigo Duterte has approved the release of funds worth PHP3.78 billion for low-income households in areas under the enhanced community quarantine (ECQ), an official from the Department of the Interior and Local Government (DILG) said on Thursday.


In a message to reporters, DILG Undersecretary Jonathan Malaya said this includes PHP2.72 billion for Laguna and PHP700 million for Bataan.
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These two provinces were placed under the strictest quarantine status on Aug. 6 and 8, respectively.

Meanwhile, the National Capital Region will also receive a PHP368 million supplemental budget for the grant of the financial assistance.

DILG Secretary Eduardo Año earlier sought a supplemental budget of PHP278 million to ensure that all qualified recipients in the NCR will receive the national government’s financial assistance.

The Department of Budget and Management (DBM) earlier released an initial PHP10.8 billion for the grant of cash aid to qualified recipients in Metro Manila, which is under ECQ from Aug. 6 to 20.

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Local government units (LGUs) in Metro Manila started the cash aid distribution on Wednesday. Under the guidelines on aid distribution set by the DILG, Department of Social Welfare and Development and Department of National Defense, they have 15 days to complete the aid distribution process and must ensure that health and safety protocols are being observed.


Each qualified resident in ECQ areas will receive cash assistance of PHP1,000 each or up to a maximum of PHP4,000 per family.

Duterte OKs over ₱3-B ECQ cash aid for NCR, Laguna, Bataan


The quarantine classification in Laguna province and the cities of Iloilo and Cagayan de Oro have been downgraded from the strictest enhanced community quarantine (ECQ) to the more relaxed modified ECQ (MECQ), Malacañang announced Friday.


This developed after President Rodrigo Duterte approved the Inter-Agency Task Force for the Management of Emerging Infectious Diseases’ (IATF-EID) recommendation to place these areas under MECQ from Aug. 16 to 31, Presidential Spokesperson Harry Roque said in a press statement.
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“President Rodrigo Roa Duterte approved the recommendation of the Inter-Agency Task Force to de-escalate the classification of Laguna, Iloilo City and Cagayan de Oro City from Enhanced Community Quarantine to Modified Enhanced Community Quarantine beginning August 16 until August 31, 2021,” Roque, also acting as IATF-EID spokesperson, said.


Meanwhile, the ECQ status in Metro Manila and Bataan will be retained until Aug. 20 and 22, respectively, Roque said.


MECQ

Other places such as Bulacan, Aklan, Apayao will be placed under MECQ from Aug. 16 to 31, Roque said.

Bulacan and Aklan were initially under general community quarantine (GCQ) “with heightened restrictions” from Aug. 1 to 15.

Apayao, on the other hand, was supposed to be under regular GCQ from Aug. 1 to 31.

Roque said the provinces of Iloilo, Cavite, Rizal, and Iloilo, as well as the cities of Lucena, Lapu-Lapu, Mandaue, and Cebu, will remain under MECQ until the end of the month.


GCQ with heightened restrictions

Quezon and Batangas will also stay under GCQ with heightened restrictions until Aug. 31, Roque said.

Other areas that will remain under GCQ with heightened restrictions include Ilocos Sur, Cagayan, Naga City, Bacolod City, Capiz, Negros Oriental, Zamboanga del Sur; Misamis Oriental, Davao City, Davao del Norte, Davao Occidental, Davao de Oro, and Butuan City.

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Antique and Cebu province will also be under GCQ with heightened restrictions beginning Aug. 16, Roque said.

The quarantine status in Antique has been elevated from modified GCQ, while the quarantine level in Cebu has been de-escalated from MECQ.


GCQ sans restrictions

The GCQ classification without restrictions will be retained in Baguio City, Santiago City, Quirino, Isabela, Nueva Vizcaya, Puerto Princesa, Guimaras, Negros Occidental, Zamboanga Sibugay, Zamboanga City, Zamboanga del Norte, Davao Oriental, Davao del Sur, General Santos City, Sultan Kudarat, Sarangani, North Cotabato, and South Cotabato.

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Agusan del Norte, Agusan del Sur, Surigao del Norte, Surigao del Sur, Dinagat Islands, and Cotabato City will also remain under the regular GCQ.

The rest of the country will stay under MGCQ until Aug. 31, Roque said.

Laguna, Iloilo City, CDO downgraded to MECQ Aug 16-31 - Malacañang

sss death claim requirements 2022 how long is the processing of sss death claim sss death claim online application who can claim sss death claim what happens to the sss death benefit when the primary beneficiary dies sss death claim form 2022 sss death claim requirements 2021 sss death claim form sample

Here is a list of the requirements that beneficiaries should prepare in applying for a Social Security System (SSS) Death Claim.


One of the benefits that Social Security System (SSS)  members are entitled to is a death claim. It is given to primary beneficiaries of the deceased member or the secondary beneficiaries in the absence of the former.

Related: How to Apply for SSS Housing Loan (Eligibility & Requirements)

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For SSS members who have paid not less than 36 monthly contributions, their beneficiaries may be granted the claim through a monthly pension.


For SSS members who have not reached 36 monthly contributions, their primary beneficiaries may avail the claim through a lump sum amount.



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There are SSS Death Benefit requirements that beneficiaries should prepare in applying for the claim. Based on the SSS’ official website, beneficiaries should comply with the following:
  • Death Claim Application (SSS Form DDR-1);
  • Affidavit of Death Benefit, if a claimant is a secondary beneficary (SSS Form CLD-1.3A)
  • Filer’s Affidavit (Sinumpaang Sanaysay)
  • Other Affidavit, whichever is applicable
    • Joint Affidavit of Two Disinterested Persons, if the claimant is legal heir or designated beneficiary (SSS Form CLD-1.3)
    • Application for Appointment as Representative Payeee, if claimant is guardian (SSS Form CLD-15)

  • Report of Death (SSS Form BPN-105), if death is work-related
  • Claimant’s photo, signature form and valid IDs
  • If the claimant is a spouse of the deceased, marriage certificate and birth certificates of minor children (duly certified by LCR/NSO)
  • If single, the deceased member’s birth certificate and marriage certificate of parents (duly certified by LCR/NSO)
  • Certified true copy of deceased member’s death certificate
    • certified/issued by LCR/NSO, if the member died in the Philippines
    • issued by vital statistics/census office or equivalent agency and certified by the Philippine Embassy/Consultant, if the member died abroad

  • For pension – Single savings account passbook or ATM card with validated deposit slip or Cash Card Enrollment Form (photocopy and presentation of original for validation)



According to the Social Security System, the office may request for other documents aside from the SSS Death Benefit requirements stated above.



Acknowledgement: This article is sponsored by Usapang Hanapbuhay.

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SSS Death Claim Process (Requirements & Eligibility)


Here is a list of the identification cards (IDs) accepted in applying for the said loan offer of the Social Security System (SSS).


One of the government agencies that has several loan offers for its members is the Social Security System. More commonly called as the SSS, it got not only benefits and exclusive privileges for its members but as well as loan offers.

One of the loan offers is the salary loan. It is a multi-purpose cash loan offer that can help you in making ends meet, paying for the utility bills, coping with medical emergencies, paying for the tuition fees, traveling, etc.

Related: List Of Requirements For Salary Loan Application 

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Who are eligible to apply for the said SSS loan offer?

The Social Security System has set a few eligibility qualifications in applying for its salary loan offer. To be eligible to apply for it, the applicant must be:


  • an active employed, self-employed, or voluntary member of the SSS
  • not older than 64 years old
  • free from receiving the SSS final benefits
  • free from committing fraud against the SSS

Do you want to know how much you can borrow under the said loan offer? You may visit this page for an idea – How Much Is Loanable Amount Under SSS Salary Loan.



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In applying for the SSS Salary Loan, a member must prepare a duly-accomplished loan application form, an SSS digitized ID, and two (2) valid IDs. Here is a list of the IDs accepted in applying for this loan offer:



  • Unexpired Driver’s License
  • Professional Regulation Commission (PRC) ID card
  • Passport
  • Postal ID
  • School or Company ID
  • Tax Identification Number (TIN) card
  • Seaman’s Book
  • Membership card issued by private companies
  • Overseas Worker Welfare Administration card
  • Senior Citizens card
  • Voter’s Identification card/Affidavit/Certificate of Registration
  • ATM card

Are you interested to apply? Visit How To Apply For SSS Salary Loan


Acknowledgement: This article is sponsored by Usapang Hanapbuhay.

Bisitahin ang Usapang Hanapbuhay Facebook Group para sa iba pang tips at mga diskarte sa pera!


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List of IDs Accepted for SSS Salary Loan


Here is a full list of the requirements in applying for a salary loan to the Social Security System (SSS) .


Members of the Social Security System or more commonly known as SSS, an insurance program that was created through the Republic Act No. 8282 in 1997, are entitled to a lot of privileges.

These privileges include loans, claims, and other benefits. Most of the members who can benefit these are employees of private companies and establishments.

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Among the loans that the Social Security System offers to its members is the SSS Salary Loan. It is open to members who have paid at least 36 monthly contributions and have compiled the requirements.


According to the Social Security System, the SSS loan requirements differs depending on who will file the application for a loan – it could be the member-borrower, an authorized representative, or the employer/company the member is working at.



Here is a full list of the SSS loan requirements depending on who will file the application:


If the member-borrower is the one who will file the application:
  • Duly Filled-up Member Loan Application Form
  • SSS Digitized ID or E-6 with any two valid IDs (One of the IDs should come with a recent photo)

If an authorized representative will file the application for the member-borrower:
  • Member-borrower’s duly accomplished Member Loan Application
  • Authorized Representative’s SS card or any two valid IDs both with signature and at least one with photo
  • Letter of Authority (LOA) signed by both the member-borrower and member-borrower’s authorized representative
  • Member-borrower’s SS card or any two valid IDs both with signature and at least one with photo



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If an employer or an authorized representative of a company will file the loan application for the member-borrower:
  • Member-borrower’s duly accomplished Member Loan Application
  • Authorized Company Representative (ACR) card issued by SSS
  • Letter of Authority (LOA) from the employer and any two (2) valid IDs both with signature and at least one with photo
  • Member-borrower’s SS card or in its absence, Application for SS card (SS Form E-6) acknowledgment stub and any two valid Ids both with signature and at least one with a photo.



Are you interested to apply? Visit How To Apply For SSS Salary Loan


Acknowledgement: This article is sponsored by Usapang Hanapbuhay.

Bisitahin ang Usapang Hanapbuhay Facebook Group para sa iba pang tips at mga diskarte sa pera!


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List of SSS Loan Requirements


Did you know that you can have your own home with the help of SSS Housing Loan?



Buying a home in the Philippines isn’t as hard as real estate prices might make it seem! Property prices are generally in the millions, but people hardly pay for the value of a home in one go. So, don’t worry if you don’t have millions in your bank account yet because you can still purchase a home through financing.

In fact, the government even has programs to help people purchase homes. One of which is through the Social Security System (SSS). In this guide, we’ll show you how to apply for an SSS housing loan.

RELATED: SSS offers new loan penalty condonation program

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What is financing, exactly? Simply put, it’s when an individual goes to a financial institution like SSS to take out a loan. The individual pays a downpayment and SSS shoulders most of the property’s cost on purchase. Then, the individual pays back SSS over time and with interest.



How to apply for an SSS housing loan

SSS offers four kinds of home loans: 


  • Direct Housing Loan Facility for Workers’ Organization Members
  • Direct Housing Loan Facility for Overseas Filipino Workers
  • Housing Loan for Repairs or Improvements,
  • Assumption of Mortgage

Each type of home loan caters to specific needs and has a different application process. But, if you’re interested in buying a home, then focus on the first two. This is because you can use them to finance any of the following: 
  • The construction of a new house on a lot you already own
  • The purchase of a lot and the construction of a new house on it
  • The purchase of a house and lot, condominium, or townhouse
  • For both loans, the maximum loanable amount is Php 2 million and payable in either 5, 10, or 15 years. 



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The interest will be based on the loan amount. These are the interest rates SSS applies to their loans:
  • Over Php 450,000.00 up to Php 1,000,000.00 9% interest
  • Over Php 1,000,000.00 up to Php 1,500,000.00 10% interest
  • Over Php 1,500,000.00 up to Php 2,000,000.00 11% interest


1. Direct Housing Loan Facility for Workers’ Organization Members

The Direct Housing Loan Facility for Workers’ Organization Members (WOMs) caters to people in the private sector. To qualify, you need to be employed and a member of any of the workers’ organizations accredited by the Department of Labor and Employment (DOLE), the Securities and Exchange Commission (SEC), or the Cooperative Development Authority.

Workers who are also members of any trade union center, federation, national union, chapter, or independent union as defined in Book V of the Labor code of the Philippines can avail of this housing loan. 

If you’re interested on how to apply for an SSS housing loan through this method, here are the criteria for eligibility and document requirements: 

Direct Housing Loan Facility for Workers’ Organization Members Eligibility Requirements

To be eligible you must meet these criteria:
  • Member is a bonafide member of a registered workers’ organization in the private sector;
  • Member must be a member of the SSS;
  • Member has at least 36 months premium contribution and 24 continuous contributions in a period prior to application
  • Member should not be more than 60 years old at the time of application and must be insurable. Members age 60 years at time of application will have a maximum loan term of 5 years
  • Member was not previously granted an SSS housing loan
  • Member has not been granted final SSS benefits
  • Member and spouse is updated in the payment of their other SSS loan(s), if any
  • The spouse of an existing borrower may still qualify for an SSS housing loan if the loan of the existing borrower was obtained prior to the date of marriage and the loan is not delinquent.

Direct Housing Loan Facility for Workers’ Organization Members Requirements

Original copy of: 
  1. Mortgagor’s Application for Housing Loan with 1” x 1” ID pictures of Principal Applicant and Spouse
  2. Certificate of Loan Eligibility – (P100 Service Fee)
  3. Certification of Membership from the workers’ organization
  4. Employer’s Certification
  5. Latest two (2) months pay slip duly certified by the employer
  6. Deed of Sale or Contract to Sell with Statement of latest balance (for purchase of lot or house and lot)
  7. Confirmation of Completion and Appraisal from Home Guaranty Corporation accredited appraisal companies
  8. Certificate of Acceptance and Occupancy duly signed by the borrower if house is 100% complete at the time of the loan filing
Original and photocopy of:
  1. Latest income tax return together with Form W-2 and Confirmation Receipt of Payment
  2. Owner’s copy of the Original/Transfer Certificate of Title/Condominium Certificate of Title
  3. Latest Property Tax Declaration and latest Realty Tax Receipt
Other requirements:
  1. Lot Plan with Vicinity Map duly signed and sealed by a registered Surveyor or Geodetic Engineer (Blue Print)
  2. Building plans/specifications/picture of the house (Blue Print)
  3. A set of twelve (12) postdated checks covering twelve (12) monthly installments and shall be repeated every twelve (12) months thereafter until the loan is fully paid
  4. Tax Mapping/Subdivision Plan
  5.  Application Fee – ½ of 1% of loan amount or P500 whichever is higher but not to exceed P3,000.00 to be deducted from the first loan release.
  6. Inspection Fee – P500

2. Direct Housing Loan Facility for Overseas Filipino Workers

The Direct Housing Loan Facility for Overseas Filipino Workers (OFWs) is like the first kind of loan except it caters to OFWs instead WOMs. To qualify for the home loan as an OFW, you have to fall under one of the following:
  • Currently working in another country with a contract processed by the Philippine Overseas Employment Authority (POEA) or authenticated by a foreign embassy
  • Awaiting deployment or renewal of an employee contract
  • A Filipino national who is now a citizen or immigrant of a foreign country with the intent to buy a home for their family still residing in the Philippines
  •  A long-term overseas resident Filipino with intent to avail a housing package for themself for retirement, for their visits to the Philippines, or for their extended families
  • Note that for OFWs awaiting deployment or renewal of contract, the loan can only be made upon renewal or employment. 

If you’re interested on how to apply for an SSS housing loan through this method, here are the criteria for eligibility and document requirements.

Direct Housing Loan Facility for Overseas Filipino Workers Eligibility Requirements

To be eligible you must meet these criteria:
  • Member is a certified Overseas Filipino Worker;
  • Member is a voluntary OFW member of SSS;
  • Member has at least 36 months contribution and 24 continuous contributions in the period prior to application
  • Member should not be more than 60 years old at the time of application and must be insurable. Members age 60 years at time of application will have a maximum loan term of 5 years
  • Member was not previously granted an SSS housing loan
  • Member has not been granted final SSS benefits
  • Borrower and spouse is updated in the payment of their other SSS loan(s), if any

The spouses of an existing borrower may still qualify for an SSS housing loan if the loan of the existing borrower was obtained prior to the date of marriage and the loan is not delinquent.

Direct Housing Loan Facility for Overseas Filipino Workers Requirements

Original copy of: 
  1. Mortgagor’s Application for Housing Loan with 1” x 1” ID pictures of Principal Applicant and Spouse
  2. Certificate of Loan Eligibility – (P100 Service Fee)
  3. Certification of Membership from the workers’ organization
  4. Employer’s Certification
  5. Latest two (2) months pay slip duly certified by the employer
  6. Deed of Sale or Contract to Sell with Statement of latest balance (for purchase of lot or house and lot)
  7. Confirmation of Completion and Appraisal from Home Guaranty Corporation accredited appraisal companies
  8. Certificate of Acceptance and Occupancy duly signed by the borrower if house is 100% complete at the time of the loan filing
Original and photocopy of:
  1. Latest Contract of Employment and latest Employer’s Certification duly authenticated by Phil. Consulate
  2. Owner’s copy of the TCT/OCT/CCT
  3. Certified true copy of TCT/OCT/CCT issued by the Register of Deeds
  4. Latest Property Tax Declaration and Realty Tax Receipt
Other requirements:
  1. Lot plan with vicinity map duly signed and sealed by Registered Surveyor or Geodetic Engineer (Blue Print)
  2. Building plans/specifications/picture of the house (Blue Print)
  3. A set of twelve (12) postdated checks covering twelve (12) monthly installments and shall be repeated every twelve (12) months thereafter until the loan is fully paid
  4. Tax Mapping/Subdivision Plan
  5. Affidavit of Undertaking to continue paying monthly SSS premium contributions for the duration of housing loan
  6. Application Fee – ½ of 1% of loan amount or P500 whichever is higher but not to exceed P3,000.00 to be deducted from the first loan release.
  7. Inspection Fee – P500

To apply, you can file your application at your nearest SSS cluster branch or at the Housing and Business Loans Department, 5/F, SSS Bldg., East Avenue, Diliman, Quezon City.



Are You Ready For An SSS Housing Loan?

Getting an SSS housing loan can help you attain your first home. Remember that whether it’s with SSS, Pag-IBIG, or a bank, a loan is still debt. Make sure you’re financially mature and ready to pay off the loan. But don’t feel intimidated.

If you are ready, make sure to find the perfect home for you. Remember, while SSS can finance a maximum of Php 2 million only, you can still go for properties above that amount. What’s important is you can take on the costs of the property.  You may check out SSS loan calculator so you can better understand the total costs that you’ll need to pay off.

For more details on how to apply for an SSS Housing Loan, visit www.sss.gov.ph.

Acknowledgement: This article is sponsored by Usapang Hanapbuhay.

Bisitahin ang Usapang Hanapbuhay Facebook Group para sa iba pang tips at mga diskarte sa pera!


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Guide to SSS Housing Loan Application (Requirements & Eligibility)

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Where dreams and coffee meet. ☕


This new café along Aguinaldo Highway near Olivares Plaza is so chic and makes us want to "tambay" for coffee and good food. Coffee & Dreams just recently opened a few months ago and now buzzing in Tagaytay City.


Last Monday, I went here together with We Are Tagaytay and Team Kain Tayo MNL to see what's inside Coffee & Dreams.

Coffee & Dreams facade and parking area

At our arrival to the café, we noticed the huge signage of "Perfume Depot" on its façade. Apparently, Coffee & Dreams and Seventenna Scents are brands by the same owner.


Upon entry, you will be welcomed by the classy-looking ambiance full of different perfumes to your front and by the aroma of coffee to your left side.


Of course, they checked our temperature and asked us to sign for contact tracing as per COVID-19 health and safety protocol. Social distancing is observed inside. They even put signages and prints on the floor for those who will line-up to order.


Some of their tables have dividers and mostly have 2 chairs on opposite sides to avoid direct contact to each other. This is to keep you safe while you enjoy dining in.


THE LOCATION

Inside Coffee & Dreams

Upon entering this coffee shop, you will notice the awesome interior of the whole place. Unlike other coffee shops that usually have rustic vibe, Coffee & Dreams feature an elegant ambiance to its visitors. The whole place is painted white with a touch of gold to it.

Chic and classy ambiance

The café also boasts its chic decors and furniture. The lighting is just perfect for your IG-worthy photos and didn't I mention the coffee cup-shaped chair and the hanging circular chair to complete your insta-feed?

There are power outlets on each corners of the shop for your gadgets. There are also dreamcatchers all over the place to remind us of good dreams. For me, this kind of place is where you can sit for hours while having a sip of your favorite coffee.


THE COFFEE & OTHER DRINKS

Coffee & Dreams refreshing drinks

Speaking of coffee, this one has a lot for us to try! First, let's talk about their Coffee & Dreams Signature drink. This one perfectly compliments each flavor in one drink. We tried the Frozen Blend one and we all loved it.


We also love their version of Salted Caramel and Mocha Frozen Blends. For the kids, you can let them have non-coffee based coolers such as Vanilla Lemonade, Strawberry Lychee Lemonade and Chocolate Charm Signature.

They serve cold drinks on these plastic cups but for those who love hot coffee, you will also love their mugs and cups! It will only make you want to bring home the mug.


And oh, they also have skilled barista who can make these nice coffee art!

See the drinks menu below:


Coffee & Dreams Menu


THE UNLIMITED COFFEE

Yup, you got it right! You can have a sip of their unlimited brewed coffee from 10:30AM to 12nn ; 4PM to 6PM on weekdays & 8AM to 10AM ; 4PM to 6PM on weekends!


THE PIZZA, PASTAS AND PASTRIES

Coffee & Dreams food

For their food, we cannot just get anyone miss any of these yummies. First of, we tried their one of their signature pizzas. It was meaty, cheesy and soothingly yummy. We were ready for pizza no. 2 when we realized there was more food we can try. Hahaha!


For their pasta, we liked the way how they cooked their Lasagna and Baked Mac. Both were so cheesy - melts in the mouth. They are both partnered with garlic bread on the side.

Of course, for desserts, we cannot miss to try a few slices of their cakes. We got Blueberry Cheesecake, Mango Signature Cake and their very own Coffee Mocha Cake.

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For breakfast lovers, no worries! Coffee & Dreams also serves all-day breakfast. We got to try their platters of Boneless Bangus, Longganisa and our favorite, Dreamers Breakfast!

The bangus and longgnisa are both served with rice, scrambled egg, lettuce, tomatoes and cucumber on the side. Both are perfect with their own vinegar sauce.


Whilst, the Dreamers Breakfast is stacked with American-style breakfast having a scrambled egg, sausage, bacon and toasted bread with the same veggies on the side. 

See the menu below:



HOW TO GET TO COFFEE & DREAMS

It's easy to find Coffee & Dreams in Tagaytay. You just have to reach Olivares Plaza. The café is just a few meters away from it. It's next to Chinabank.

If you are coming from Manila and took a bus ride from Pasay, you will pass Aguinaldo Highway, drop off Fora Mall or Olivares Plaza then take a walk back to Coffee & Dreams. There are also PUJs and tricycles-for-hire that take this way to Olivares in Tagaytay.

For those who are bringing their vehicle, there's a limited parking space in front of the cafe.


Coffee & Dreams

Address: 1315 Emilio Aguinaldo Highway, Olivares Plaza, Silang Junction South, Tagaytay City
Business Hours: Mondays 2PM to 9PM, Tuesday to Fridays 10AM to 9PM, Weekends 8AM to 9PM
Facebook: Coffee & Dreams





IMPORTANT NOTE: The rates, contact details and other information indicated in this post are accurate from the time of writing but may change without IMFWJ's notice. Should you know the updated information, please message us on Facebook.

WHERE TO STAY IN TAGAYTAY:

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COFFEE & DREAMS: IG-worthy café in Tagaytay that serves unlimited brewed coffee

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