So you’ve reached one of the most important milestones in your life – buying your first home . Before you get all excited browsing through the various property marketing platforms and going to Pinterest to look for your dream theme, let’s look at the most important step that is often overlooked – financing. If you are one of the majority, you’re probably planning to apply for a BTO with your partner. That’s what we were told to do anyway; fill up the online HLE (HDB loan eligibility) and VIOLA! You can then apply for a BTO in a location that you can afford and accept, as simple as ABC right? No. Many have heard of “CPF Accrued Interest OA” – but what is this exactly? From here you can see how you can possibly end up in a dead-end scenario if you have made the wrong financial decision. No one wants to sell their HDB flat only to find out that they have to return hundreds of thousands of dollars plus accrued interest, and even if you don’t sell, to be faced with low ... » Learn More about Why you should not pay for your HDB with CPF
Total year of employment meaning in hindi
By Prisca Chaoui GENEVA: Two years have passed since the introduction of the illegal pay cuts imposed on staff in the Professional Category — and above — working for the United Nations (UN) in Geneva, following a cost-of-living survey conducted by the International Civil Service Commission (ICSC) in 2016. For this second anniversary, the UN Dispute Tribunal (UNDT), whose jurisdiction covers staff working in the UN secretariat, issued its judgment declaring the cuts legal. This was contrary to the Administrative Tribunal of the International Labor Organization (Iloat) judgment of 2019 that led to the restoration of the salaries that were prevailing before the introduction of the cuts for staff working in the agencies, namely World Intellectual Property Organization, International Labor Organization, World Health Organization, International Telecommunication Union and International Organization for Migration. This means that for a work of equal value, staff working for the ... » Learn More about UN chief remains focused on reelection while Geneva staff feel abandoned
FILIPINO seafarers have been included in the vaccine priority list to ensure their employment and safety of global supply chains. Lawyer Iris Baguilat, president of the Döhle Seafront Crewing (Manila), welcomed the decision of the Inter-Agency Task Force to give priority to seafarers (IATF) as vaccination against Covid-19 becomes mandatory for global travel. As part of an international labor force, Filipino seafarers compete with other nationalities who were already vaccinated by their respective countries to be fit to work onboard. “After a long wait, Filipino seafarers finally have the protection they deserve. Finally, all our efforts have come to fruition. Filipino seafarers are now next in line for a vaccination. Currently, the government is vaccinating citizens with comorbidities. If a Filipino seafarer has a chronic respiratory disease, hypertension, cardiovascular disease, chronic kidney disease, malignancy, diabetes mellitus, and obesity, he should sign up for the ... » Learn More about Seafarers on deck for Covid-19 jab
An unfortunate consequence of today’s mass consumerism lifestyle is that the average consumer has very little knowledge of the true impact of our buying decisions. It’s a pity but we don’t really know what goes into the product we buy and use. We can only guess at what toll was exacted upon the environment just so we could have those cute slippers with the faux fur trim. And then there’s all that plastic and packaging waste that’s choking our planet to death with every passing second. But we don’t have to stand idly by. Buying from manufacturers whose practices and beliefs align with ecological, ethical practices is an effective and satisfying way to make sure we are truly doing all we can for our precious planet. Ahead, we’ve rounded up some of the brands that you can shop and support for this Earth Day. Fashion 1. Pedro After its third consecutive year of celebrating Earth Day in 2020, Pedro launched an eco-conscious line, rePEDRO of which at least one material is ... » Learn More about Shopping green: Celebrate Earth Day with these labels that give back
Youngsters get creative as they try to sculpt sand figures during a Songkran celebration at Wat Siripong Thammanimit in Bang Khen. (Photo by Varuth Hirunyatheb) The government pledged to take care of elderly citizens on the occasion of National Elderly Day yesterday and assured Thai citizens nationwide of the country's plan to provide care for the elderly. Deputy government spokeswoman Rachada Dhnadirek said the government has factored in the country's ageing population into the national agenda and will continue to implement its senior citizen plans in order to prepare Thai society for an ageing society. "Prime Minister Prayut Chan-o-cha wants to raise people's awareness of our ageing society as the country is becoming one," she said. April 13 is the first day of Songkran in Thailand and also marks National Elderly Day when the water pouring ceremony or rod nam dam hua is held for younger people to seek blessings from their elders. People pour blessed water into a vessel ... » Learn More about PM pledges to take care of ageing on ‘Elderly Day’
THE Department of Trade and Industry (DTI) encouraged repatriated overseas Filipino workers (OFWs) to venture into agribusiness to sustain their family’s needs. Speaking at the “Agri-Negosyo Para Sa OFWs” virtual event, Rafaelita Aldaba, DTI undersecretary for Sub-Task Group on Agribusiness, highlighted agribusiness as a viable venture particularly during the coronavirus pandemic. She explained that engaging in farming can help achieve food security and provide profit to those who venture into it. The government has been working on implementing programs to assist Filipinos amid the pandemic. The JMC covers the programs, projects, services and initiatives of the DTI, Department of Agriculture, Department of Science and Technology, Technical Education and Skills Development Authority and National Economic Development Authority. “The Agri-Negosyo offers full service information to OFWs, from starting an agri-business, investment opportunities, crafting a business plan, availing ... » Learn More about Repatriated OFWs urged to venture into agribusiness
Predicting the future of work is hard when you're still in the midst of the catastrophe. It's clear though that futuristic trends are emerging having been catalysed by the Covid-19 pandemic. The big question is to what degree they'll survive the crisis? On Career 360, Howie Lim finds out from Dan Schawbel, Managing Partner of Workplace Intelligence, Workplace Researcher, and Author of New York Times bestseller, “Back to Human”. Howie Lim: Although the technology to facilitate remote works have been around for over a decade, Covid-19 has forced hundreds of millions of employers and employees worldwide to engage in a sudden massive real-time experiment with remote work arrangements. But to what extent is the pandemic-induced regime of remote work, flexible hours and AI-enabled software here to stay? Dan Schawbel: I mean Covid-19 has accelerated, amplified and prioritised a lot of the big workplace trends that have been going on for many years. We could have [started] working ... » Learn More about How long do you think the hybrid workplace will last?
“During the third wave, there are a higher number of cluster cases found in Bangkok and the outbreak has spread to several provinces faster than the previous waves,” said the centre. “This has resulted in many people cancelling their domestic trips during the Songkran holidays between April 10 to 18, affecting the projected revenue of the hospitality and guided tour industry, as well as other tourism-related businesses.” K-Research also slashed its estimate of total tourism revenue in the first half of the year by Bt130 billion -- to Bt137 billion -- after forecasting Bt267 billion in January, due to the second and third Covid-19 waves in late December and late March. “The third wave could last longer than the previous ones due to the higher number of infections and the discovery that the mutated strain of the virus can spread faster,” added the centre. “Furthermore, the economic fallout will be more serious than the previous waves as the third wave has a central hotspot in ... » Learn More about K-Research slashes tourism revenue estimates for first half of 2021 by Baht130 billion
You’ve seen the ads, or maybe had it suggested by a mortgage banker or two: take out a home equity loan, and you could be sitting on a six-digit pile of cash a few months later. Sounds too good to be true? It depends – home equity loans are one of the main advantages of owning a private property; but there are cases where it may not be entirely appropriate. Here’s how to decide whether it’s worth taking one: Caveat: In all matters of personal finance, always consult a professional – such as a wealth manager or financial planner – before deciding to take on significant loans. The following is meant to inform you of home equity loans as a financing tool only; get expert advice for the final word on whether it’s right for you. What’s a home equity loan? Sometimes called a cash-out, this is when you take out a loan that uses your property as collateral. The interest rate, just like a mortgage, tends to be lower as it’s a secured loan. But also like a mortgage, it does mean the ... » Learn More about When should you consider using a home equity loan?
BEFORE the pandemic unexpectedly hit, holidays meant a time when people went on staycations and resorts were filled with families looking to have a good time, sipping drinks by the pool or wading at the shore of a beachfront. Both foreign and domestic hospitality industries were booming since virtually everyone had easy access to accommodation discounts and promos. High spirits dwindled as the Philippine hospitality industry took a severe blow when the Covid-19 pandemic took off. Travel restrictions prevented people from booking hotels and resorts, leaving these establishments struggling for room occupancy and consequentially, stable revenue. According to Colliers, in the first half of 2020, hotel occupancy in Metro Manila fell from 71 percent to 25 percent due to a sharp decline in foreign arrivals. Moreover, a significant number of hotels closed their doors and laid off hospitality professionals and personnel. While the impact of the pandemic to the hospitality industry is ... » Learn More about Welcoming recovery: Strategies for the hospitality industry