My story of getting straggle of the SSS MATERNITY BENIFITS for 1 and Half months

I would like to apologize for posting this article, but to tell our story and the struggle of getting the maternity benefits, so that other people may not experience this scenario in the future.

IN THE HOSPITAL

My wife and I rushed to the Mariano Marcos Memorial Hospital and Medical Center - BATAC CITY, due to high blood pressure of my wife while last session of check up to our doctor in laoag, we had to go rush to the hospital to deliver the baby immediately, as the doctor command us to hurry up that afternoon, our baby was born @ 5:00 PM, 2025. The operation was successful, and we have a healthy baby in the incubator. She is only 8 months in the womb, but miraculously, she is good, with no other physical problems like a missing hand, and so on. Anyway, our doctor decided to deliver the baby through a Cesarean operation. We've stayed in the hospital for 10 to 12 days, and I'm the watcher. I feel that these days, a lot of mixed emotions from easiest to hardest and happiest to loneliest, but I can't give you the story behind that mix of emotions for 12 days for personal reasons. 

FINANCIAL HELP & HOSPITAL BILLS

CONGRESSMAN BARBA helped us with 15,000 pesos, even if I was not from Batac and I would not be able to get any, but they still gave, and I call that grace from God. 

Sando Marcos, with DSWD's help, with 5,000 pesos, I should get a higher amount when I get back to Laoag to submit the paper bills before I pay, but because we are running out of time, we pay the bill first, which it should not be, but it's ok. Our bills get lower with PhilHealth with a 75,758-peso discount. We paid the private doctor for 68,000 pesos, which is almost $1,200. Our real hospital bill was 137,651.61 pesos ($2,414). The Total of 205,651.61 pesos without Philhealth

This is the sample bill from the hospital. I forgot to take a picture of my wife's hospital bill because we were actually in a hurry at the time, but they have the same bill paper as my wife's, the difference is that my wife's bill is higher than the bill of my baby

 

THE GENEROSITY OF THE CHURCH

Our pastor from Gates of Praise helped us with a financial amount, as well as the ushering ministry, with more money. All of the help from the church was a blessing, because we were looking for more money at that time, and we completed the amount we needed to pay the doctor on time.

BEFORE THE ADMISSION

We do not have any room left in the PUBLIC, we only have 2 options that time, stay outside and wait for the other patience to go home in the morning or get some room in the Semi-private room, I choose the semi-private because I thinks it’s the right decision, and it is good for both of us because that’s were going to stay and the baby will be in the other building with air conditioner too.

WHAT'S THE HARDEST?

The hardest was when I know we don’t have enough money left and I know were still staying and we need more money for food outside, even though were receiving meals in the lunch time and evening it’s not enough for both of us as they only give 1 meal that time, we lately know that we can have two meals when were going home then, it’s not awareness but the stupidity of the people there. 

You know, when you don’t have money left in your pocket and you still have a few days to stay, you must call your sibling to borrow. If they lend you money, it’s great, but if it’s not the time for them to lend, then you have a bad day.

THE LAST PART AND THE MATERNITY BENEFITS

When we got home that night, I’m tired, that all I can say I was tired and exited to go home because grandma is waiting for us, In the morning I process everything like all of it from medical cert to real copy of the ultrasound which is never needed to submit, I lately known when the SSS officer talk to me to submit does papers to scan and submit it online and the website ask me for 2 things only that it was not in the papers that I already get, anyways it’s ok, but first what they need is the BANK DETAILS of my wife, I was in trouble many times when they rejected it for some I think 5 times for 1 month because they answer our e-mail as a follow up every 5 days.

So this is what happen why I’m rejected for that long, first you have to make sure that your bank accounts are Updated like your Cp number, Last name or surname when you get married if you’re a women, something like that, because the SSS will make sure that the account was correct, they are going to ask the bank branch if everything is updated or true, I mean correct. Another is the way you get the picture you submitted, while holding the account details, must be correct.

So finally, after 1 month of correcting details in the bank, our Disbursement account was approved by SSS.

I thought that’s it, I just need to wait for the money to appear in the bank account of my wife, but I was wrong, after 2 weeks without knowing that is when I recently again discovered that you need to apply for the MATERNITY BENEFITS, Grrrrwwww!!!!

So, this is what happens when you’re not attentive to details online, what’s more, with illiterate people?

Application submitted, You have to find the APPLY FOR MATERNITY BENIFITS on your SSS acount online, I put the date of the delivery, then some more details, last the Certified True Copy of the Certificate of Live Birth from the hospital and then a copy with seal from registral office of Batac city and along with the Official receipt, You only have 2 papers to submit, but I again I was rejected for many times I think 4 times this time, because if some errors like wrong date of delivery, wrong papers submitted, Incomplete details, they will not accept it even how you pray, if you send it wrong, your still wrong, I should ask for the seal or tag and OR before we get home that day but it’s was night how could I be that fast? And I was not well informed by the SSS, I mean, this is the problem of SSS officials or government employees, they don’t care about you, just make sure you do it by yourself correctly. The last submission was correct, so I was finally approved.

After 5 days of waiting, we only got 14,800 pesos, that’s it, it's not worth it, but I think you also have to make sure that you regularly pay your SSS contribution, complete every year, maybe you will then get higher benefits.

This is what to submit below is the Official Receipt. You have to scan the documents in continuous, including the OR below

Most Popular Jobs in the UAE: Top Careers in High Demand

The UAE is one of the world’s most dynamic job markets, attracting professionals from all over the globe. With a thriving economy, tax-free salaries, and a strong demand for skilled workers, numerous industries are experiencing significant growth. Whether you're looking to start a career or switch fields, here are some of the most popular and in-demand jobs in the UAE.

1. Technology & IT

The UAE is rapidly embracing digital transformation, making tech jobs some of the most sought-after roles. Companies, startups, and government initiatives are all driving demand for skilled IT professionals.

🔹 Software Developers – With the rise of fintech, e-commerce, and AI-driven solutions, skilled developers are in high demand.

🔹 Cybersecurity Experts – As digital threats increase, businesses need professionals to protect their networks.

🔹 Data Analysts & AI Specialists – Data is the new oil, and experts who can analyze and leverage it are highly valued.

2. Finance & Banking

Dubai and Abu Dhabi are major financial hubs in the Middle East, creating a need for top finance professionals.

🔹 Financial Analysts – Companies rely on analysts to make strategic investment decisions.

🔹 Accountants & Auditors – Businesses require skilled accountants to manage financial records and compliance.

🔹 Investment Bankers – The UAE’s growing investment sector offers lucrative opportunities for finance experts.

3. Healthcare

With an expanding population and a focus on high-quality medical services, the healthcare sector is booming.

🔹 Doctors & Specialists – Cardiologists, orthopedic surgeons, and dentists are among the most in-demand professionals.

🔹 Nurses – Qualified nurses are essential for hospitals and clinics across the country.

🔹 Pharmacists – The UAE’s healthcare regulations require trained pharmacists in retail and hospital settings.

4. Construction & Engineering

The UAE is renowned for its ambitious infrastructure projects, ranging from skyscrapers to smart cities, which have created a high demand for engineers.

🔹 Civil Engineers – Responsible for large-scale projects like roads, bridges, and buildings.

🔹 Project Managers – Needed to oversee construction projects from start to finish.

🔹 Architects – With cities like Dubai constantly evolving, innovative architects are highly valued.

5. Marketing & Digital Media

The digital revolution has made marketing and media professionals essential for businesses.

🔹 Social Media Managers – Brands need professionals to manage their online presence.

🔹 Digital Marketing Specialists – SEO, PPC, and content marketing experts are in high demand.

🔹 Content Creators – The UAE’s influencer and media scene is thriving, creating opportunities for creative professionals.

6. Hospitality & Tourism

As a global tourist destination, the UAE offers countless opportunities in hospitality and tourism.

🔹 Hotel Managers – Luxury hotels need experienced managers to maintain world-class service.

🔹 Chefs – The UAE's diverse food scene is always in need of talented chefs.

🔹 Travel Consultants – With millions of visitors each year, travel agencies require skilled professionals.

7. Real Estate

The UAE’s booming property market makes real estate one of the most lucrative industries.

🔹 Real Estate Agents – Selling luxury apartments and villas is a high-earning career for skilled agents.

🔹 Property Managers – Managing residential and commercial properties is a key role in this sector.

8. Retail & Sales

With Dubai being a global shopping destination, retail professionals are always in demand.

🔹 Sales Executives – Retailers need skilled salespeople to boost revenue.

🔹 Customer Service Representatives – Businesses prioritize top-notch customer service.

Final Thoughts

The UAE job market offers opportunities in diverse industries, making it a hotspot for professionals worldwide. Whether you're in tech, healthcare, finance, or hospitality, there’s a demand for skilled workers across sectors.

Are you considering working in the UAE? Let us know in the comments!

Understanding the Iqama ID in Saudi Arabia: A Complete Guide

Saudi Arabia is home to millions of expatriates who live and work in the country. One of the most important documents for any foreign resident in the Kingdom is the Iqama ID. This residency permit is essential for legal stay, employment, and access to various services. In this blog post, we will cover everything you need to know about the Iqama ID—its purpose, benefits, and important regulations.

What is the Iqama ID?

The Iqama is an official residency permit issued by the Saudi Arabian government to foreign workers and their dependents. It serves as proof of legal residence and work authorization in the country. The Iqama is typically sponsored by an employer or a family member.

Key Purposes of the Iqama ID

1. Legal Residency Permit

The Iqama acts as an official identification document for expatriates, proving their legal stay in Saudi Arabia. Without a valid Iqama, foreign residents can face fines, deportation, or other legal consequences.

2. Work Authorization

For expatriates working in Saudi Arabia, the Iqama is linked to their employer (also known as the Kafeel or sponsor). It confirms their right to work under the specific terms of their visa. Changing jobs requires Iqama transfer approval from both employers and the Saudi Ministry of Human Resources.

3. Banking & Financial Services

- To access banking services, expatriates must provide their Iqama ID. It is required for:

- Opening a bank account

- Applying for loans, credit cards, and mortgages

- Receiving salary payments (via Wage Protection System - WPS)

4. Healthcare & Insurance

Every resident in Saudi Arabia must have medical insurance linked to their Iqama. This enables them to receive medical care at hospitals and clinics. Expats cannot renew their Iqama without valid health insurance.

5. Travel & Visa Processing

A valid Iqama is required to:

Apply for an exit/re-entry visa when traveling outside Saudi Arabia

Sponsor family members for residency

Apply for visas to visit other Gulf Cooperation Council (GCC) countries

6. Driving & Vehicle Registration

To drive legally in Saudi Arabia, expatriates must:

Obtain a Saudi driving license, which requires a valid Iqama

Register a vehicle under their name using their Iqama ID

Pay traffic fines and insurance fees linked to their Iqama

7. Government & Digital Services (Absher Portal)

The Absher platform, an online government portal, is linked to the Iqama and allows residents to:

Renew their Iqama

Pay fines and traffic violations

Apply for family visit visas

Check residency status and employment contracts

Iqama Validity & Renewal

Iqama is usually valid for one or two years, depending on the employer’s contract.

It must be renewed before expiration to avoid fines and penalties.

Employers are responsible for renewing the Iqama for their workers.

Expats can check their Iqama status through the Absher platform.

Iqama Expiry Penalties

If an Iqama expires and is not renewed, the following penalties apply:

First offense: SAR 500 fine

Second offense: SAR 1,000 fine

Third offense: Possible deportation

Final Thoughts

The Iqama ID is the most important document for expatriates in Saudi Arabia. It is required for everything from legal residence to banking, healthcare, and travel. Keeping your Iqama valid and up to date ensures a smooth stay in the Kingdom.

If you're a new expat in Saudi Arabia, make sure to check your Iqama status regularly and keep a copy with you at all times. Have any questions about Iqama regulations? Let us know in the comments!

Does the Philippines Become Poor When the Dollar Rises?

Introduction

The value of the US dollar affects economies worldwide, including the Philippines. Whenever the dollar strengthens against the Philippine peso, many people wonder: Does make the country poorer? To answer this, we need to understand how exchange rates impact different sectors of the economy.

Understanding Exchange Rates

Exchange rates determine how much one country’s currency is worth compared to another’s. When the US dollar rises against the Philippine peso, it means you need more pesos to buy the same amount of dollars. For example, if the exchange rate goes from ₱55 = $1 to ₱60 = $1, the peso has weakened, and the dollar has strengthened.

This change happens due to factors like:

Global trade – demand for the US dollar increases when investors see it as a safe currency.

Inflation rates – higher inflation in the Philippines compared to the US can weaken the peso.

Interest rates – when US interest rates rise, investors move their money to the US, increasing the demand for dollars.

Now, let’s explore how a stronger dollar affects the Philippine economy.

Effects on the Philippine Economy

1. Imports vs. Exports

A stronger dollar makes imported goods more expensive. The Philippines imports a lot of products, including oil, food, and raw materials. When the peso weakens, businesses pay more for these goods, leading to higher prices for consumers (inflation).

On the other hand, Philippine exports become cheaper for foreign buyers, which can boost industries like business process outsourcing (BPO), electronics, and agriculture. This can create more jobs and economic activity.

2. OFW Remittances

Millions of Filipinos work abroad and send money back home. When the dollar is strong, remittances from Overseas Filipino Workers (OFWs) are worth more in pesos, increasing the purchasing power of their families. This can boost spending in the local economy.

For example, if an OFW sends $1,000 per month, at an exchange rate of ₱55/$1, their family receives ₱55,000. But if the rate rises to ₱60/$1, they get ₱60,000—a significant increase.

3. Foreign Debt Payments

The Philippines has loans from international lenders, and many of these are denominated in US dollars. When the dollar strengthens, the government needs more pesos to pay off the same debt, which can strain national finances.

If too much money goes toward debt repayment, there’s less available for infrastructure, healthcare, and other essential services.

4. Inflation and Cost of Living

A weaker peso means higher prices for fuel, food, and other essentials. Since the Philippines imports a lot of goods, businesses pass on the extra costs to consumers. This leads to inflation, reducing the purchasing power of ordinary Filipinos.

For example:

A gallon of gasoline that costs $4 would be ₱220 at ₱55/$1 but ₱240 at ₱60/$1.

Imported goods like gadgets, cars, and medicines also become more expensive.

Does the Philippines Become Poorer When the Dollar Rises?

The impact of a rising dollar is complex—some sectors benefit, while others struggle. Here’s a balanced view:

Positive effects: OFW families and export industries gain from a weaker peso.

Negative effects: Higher prices for imported goods and increased debt payments hurt consumers and the government.

If inflation rises too much, the poor and middle class suffer the most, as their daily expenses become harder to afford. However, if the government and businesses manage these economic shifts wisely—by boosting local production and diversifying income sources—the Philippines can adapt and remain stable despite currency fluctuations.

Conclusion

A rising dollar doesn’t automatically mi make the Philippines poor, but it does create winners and losers in the economy. The key is economic resilience—strong policies, financial planning, and investment in local industries can help the country navigate currency changes.

What are your thoughts? Have you felt the effects of a stronger dollar in your daily life? Let’s discuss this in the comments!

Chocolate Hills: A Perfect Destination for Nature Lovers

The Chocolate Hills in Bohol, Philippines, is one of the country’s most famous natural attractions. With over 1,200 cone-shaped hills stretching across the towns of Carmen, Sagbayan, and Batuan, this geological wonder captivates visitors with its unique beauty. If you are a nature lover, the Chocolate Hills should be at the top of your travel bucket list.

A Natural Wonder Like No Other

Unlike any other landscape, the Chocolate Hills offer a breathtaking view of rolling, symmetrical mounds resembling chocolate drops when the grass covering them turns brown during the dry season. This one-of-a-kind natural formation is believed to have been created through the uplift and erosion of coral limestone over millions of years.

Perfect for Outdoor Enthusiasts

For those who love the outdoors and adventure, the Chocolate Hills and its surroundings offer exciting activities:

Hiking and Trekking – A climb up the Chocolate Hills Complex viewing deck in Carmen rewards visitors with a 360-degree panoramic view of the hills. Another great spot is Sagbayan Peak, where you can enjoy the scenery from a different perspective.

Adventure Activities – For thrill-seekers, the Chocolate Hills Adventure Park (CHAP) offers ziplining, bike zip, and obstacle courses, all set against the backdrop of the beautiful hills.

Photography and Nature Walks – If you enjoy capturing the beauty of nature, the Chocolate Hills provide a perfect setting for stunning landscape photography. The area is also rich in flora and fauna, making it ideal for nature walks and birdwatching.

A Destination for All Seasons

The best time to visit Chocolate Hills is during the dry season (November to May) when the hills take on their signature chocolate-brown color. However, visiting during the rainy season (June to October) also offers a unique charm, as the hills turn a lush green, creating a different but equally stunning view.

How to Get There

Chocolate Hills is easily accessible from Tagbilaran City, the capital of Bohol. From Tagbilaran, you can take a bus, or van, or rent a private vehicle to reach the Chocolate Hills Complex in Carmen, which is about 55 km away and takes around 1.5 to 2 hours to reach.

For nature lovers, the Chocolate Hills of Bohol is a dream destination. Its breathtaking landscapes, outdoor activities, and unique geological wonder make it an unforgettable place to explore. Whether you're a traveler seeking adventure, a photographer capturing nature’s beauty, or simply a tourist wanting to experience one of the Philippines' greatest natural treasures, Chocolate Hills is a must-visit destination.

How to Get to Chocolate Hills (Bohol) from Manila or Other Countries

Visiting the Chocolate Hills in Bohol is easy, whether you're coming from Manila or an international destination. Here’s a step-by-step guide on how to get there.

1. Flying to Bohol from Manila or Other Countries

From Manila to Bohol

• The fastest way to get to Bohol from Manila is by plane.
• Book a direct flight from Manila (Ninoy Aquino International Airport - NAIA) to Bohol-Panglao International Airport (TAG).
• Flight duration: 1 hour 30 minutes.
• Airlines: Philippine Airlines, Cebu Pacific, AirAsia.

From Other Countries to Bohol

If you're coming from other countries, here are two common routes:

A. Via Manila

1. Book an international flight to Manila (NAIA).
2. Take a domestic flight from Manila to Bohol (1.5 hours).

B. Via Cebu (Best Alternative for International Travelers)

1. Book an international flight to Cebu (Mactan-Cebu International Airport - CEB).
2. Take a fast ferry from Cebu to Bohol (Tagbilaran City Port) – around 2 hours.
3. From Tagbilaran, travel to the Chocolate Hills (1.5 to 2 hours by car or bus).

2. From Bohol-Panglao International Airport to Chocolate Hills

Once you arrive in Bohol, you have several options to reach the Chocolate Hills in Carmen:

• Private Car or Van Rental – The most convenient option. Travel time: 1.5 to 2 hours.
• Bus or Public Van (V-Hire) – Go to the Dao Integrated Bus Terminal in Tagbilaran and take a bus or van bound for Carmen. Fare: ₱100–₱150 ($2–$3).
• Join a Tour Package – Many travel agencies offer Bohol countryside tours that include Chocolate Hills, Tarsier Sanctuary, Loboc River Cruise, and more. Prices range from ₱1,500–₱2,500 ($27–$45) per person.

3. From Cebu to Bohol (Alternative Route)

If you're in Cebu, follow these steps:

1. Take a ferry from Cebu to Tagbilaran City, Bohol (2 hours). Ferry operators: OceanJet, SuperCat, Weesam Express. Fare: ₱500–₱1,000 ($9–$18), depending on class.
2. From Tagbilaran Port, follow the same transport options as above (bus, van, car rental, or tour).

Getting to the Chocolate Hills is simple, whether you're traveling from Manila, Cebu, or another country. With flights, ferries, and local transport available, this natural wonder is easily accessible for every traveler.

Would you like recommendations for accommodations or tour packages in Bohol?

Ilocos Norte's Booming Tourism Industry Attracts Interest from Norwegian Cruise Ships

Why do Norwegian cruise ships keep coming to Ilocos Norte?

Norwegian cruise ships frequently visit Ilocos Norte, particularly docking at the Port of Currimao, due to the region's rich cultural heritage, historical significance, and the economic benefits that cruise tourism brings to local communities.

Cultural and Historical Attractions: Ilocos Norte offers a variety of attractions that appeal to international tourists. For instance, Norwegian Cruise Line's Ilocos Norte Culinary & Heritage Tour includes visits to significant sites such as a 17th-century church in Badoc, the Juan Luna Shrine, and the Ferdinand E. Marcos Presidential Center in Batac. These excursions provide passengers with immersive experiences in the local culture and history.

Economic Impact: The arrival of cruise ships has a positive effect on the local economy. Tour operator Angel Lao reported that in the first two months of the year, over 6,000 international cruise passengers visited the Ilocos Region. This influx supports local businesses, creates jobs, and boosts the livelihoods of micro, small, and medium enterprises. The presence of tourists leads to increased demand for services such as guided tours, transportation, and dining, directly benefiting the community.

Strategic Itinerary Planning: Ilocos Norte's location makes it an attractive stop for cruise itineraries. For example, the MV Norwegian Sky included Currimao in its 13-day voyage from Singapore to Keelung, Taiwan, with stops in other Philippine destinations like Puerto Princesa and Boracay. This strategic inclusion allows passengers to experience diverse attractions within the Philippines, enhancing the overall appeal of the cruise.

In summary, Norwegian cruise ships continue to visit Ilocos Norte due to the region's compelling tourist attractions, the economic advantages for local communities, and its strategic position within Southeast Asian cruise routes.

Do they like the place?

While specific feedback from Norwegian Cruise Line passengers regarding their experiences in Ilocos Norte is not readily available, the inclusion of the Ilocos Norte Culinary & Heritage Tour in NCL's shore excursion offerings suggests that the region provides attractions that are appealing to cruise passengers. This tour features visits to significant historical sites and offers samples of local delicacies, indicating a curated experience designed to showcase the area's cultural richness. From: ncl.com

The continued inclusion of Ilocos Norte in NCL's itineraries implies a positive reception from guests, as cruise lines typically adjust their destinations based on passenger satisfaction and demand.

Are there any other nationalities on the ship?

Yes, Norwegian Cruise Line (NCL) ships host a diverse range of nationalities among both passengers and crew members.

Passenger Demographics:

NCL attracts guests from various countries, with a significant portion hailing from the United States. The cruise industry sees about half of its global passengers coming from the U.S. milkenreview.org

However, NCL's international itineraries, such as those visiting Ilocos Norte in the Philippines, draw travelers from around the world, including Europe, Asia, and other regions. This mix results in a multicultural environment on board.

Crew Composition:

The crew on NCL ships is notably international. A substantial number of shipboard team members come from the Philippines, comprising almost half of the workforce across NCL's fleet. Additionally, many crew members are recruited from countries like India, Southeast Asia, Eastern Europe, and former Soviet republics. milkenreview.org

This diverse crew brings a wide range of cultural backgrounds and languages to the ship's operations.

In summary, NCL cruises are characterized by a rich tapestry of nationalities among both passengers and crew, fostering a vibrant and inclusive atmosphere on board.

 

Do you recommend it / Any issues?

Norwegian Cruise Line (NCL) offers various cruise experiences that cater to various traveler preferences. Their "Freestyle Cruising" concept provides a relaxed atmosphere with no set dining times, allowing guests to enjoy a flexible schedule. NCL is known for its vibrant entertainment options, including Broadway-style shows, and a variety of dining venues. This makes it a popular choice for families and those seeking a laid-back cruise experience. nypost.com

However, recent reviews have highlighted some areas of concern. Passengers have noted issues such as overcrowding, with reports of long lines for various activities and services. Some guests have also mentioned that certain ships in the fleet feel outdated, despite refurbishments. Additionally, there have been comments about organizational challenges, particularly concerning excursions. cruisecritic.com

Regarding specific destinations like Ilocos Norte in the Philippines, NCL has included ports such as Currimao in its itineraries. For instance, a Norwegian cruise ship with 2,376 passengers and 1,970 crew members from different countries docked at the Port of Currimao, offering passengers the opportunity to explore local attractions and culture. gmanetwork.com

In summary, if you value flexible dining, diverse entertainment, and a family-friendly environment, NCL could be a suitable choice.

It’s the best place for Tourist

Ilocos Norte is a highly recommended destination for tourists seeking a blend of natural beauty, historical landmarks, and cultural experiences. Located approximately 400 kilometers north of Manila, this province offers a variety of attractions that cater to diverse interests.

Natural Attractions:

Saud Beach: Renowned for its pristine white sands and clear waters, Saud Beach provides a tranquil setting ideal for relaxation and swimming. tripadvisor.com

Kapurpurawan Rock Formation: This unique geological structure offers stunning views of the sea and sky, making it a perfect spot for photography and nature appreciation. tripadvisor.com

Pagudpud Beaches: Areas like Blue Lagoon and Panzzian Beach are praised for their unspoiled beauty and peaceful ambiance, offering a serene retreat away from crowded tourist spots. reddit.com

Historical and Cultural Sites:

Paoay Church (St. Augustine's Church): A UNESCO World Heritage Site, this 17th-century church is celebrated for its distinct architecture and historical significance. guidetothephilippines.ph

Malacañang of the North: This presidential museum offers insights into the region's political history and provides panoramic views of Paoay Lake. guidetothephilippines.ph

Adventure and Outdoor Activities:

La Paz and Paoay Sand Dunes: These natural formations offer thrilling activities such as sandboarding and 4x4 rides, attracting adventure enthusiasts. guidetothephilippines.ph

Visitor Feedback:

Tourists often highlight the province's serene environment, contrasting it with more commercialized destinations. One traveler described Pagudpud as "peaceful... a far cry from the hustle and bustle of Boracay," emphasizing its unspoiled beaches and inviting countryside charm. tripadvisor.com.ph

Recommendations:

To fully experience Ilocos Norte's offerings, a stay of at least four to five days is advisable. This duration allows visitors to explore its diverse attractions at a comfortable pace.wanderwisdom.com

In summary, Ilocos Norte's combination of natural wonders, historical sites, and cultural richness makes it a compelling destination for travelers seeking both relaxation and adventure.

What's the latest update?

The fourth cruise ship this year 2025, Norwegian Sky, docked at the Currimao Port, bringing 1,914 guests and 863 crew members to Ilocos Norte! 

Tourists explored Paoay, Batac City, Laoag City, and Badoc, renting local vans and tricycles, providing a boost to local transport operators. From iconic landmarks to authentic Ilocano experiences, this visit brought vibrant energy to our communities.

A wave of opportunity for local businesses—restaurants, souvenir shops, and service providers—benefited greatly, proving how tourism uplifts livelihoods.

The latest pics of the visitors just yesterday

PAOAY CHURCH in Paoay Ilocos norte

Arrival of the Ship passengers

So this is the CRUISE SHIP

They eat a lot and also tried to make EMPANADA in Batac City

The only Asian couples join the trip

And other Museum In Ilocos norte

 

Travelers must know this: EMERALD REWARDS, what is this in BDO unibank?

What are emerald rewards from BDO rewards?

 BDO Rewards Emerald is a tier of the BDO Rewards Program, which is designed to provide rewards and exclusive benefits to BDO (Banco de Oro) cardholders. This program allows customers to earn points through eligible transactions on their BDO credit cards, and the points can be redeemed for a range of items, discounts, or services. 

Key Features of BDO Rewards Emerald Tier:

 Earn Points

Cardholders accumulate reward points from purchases and transactions made using their BDO credit card. 

Exclusive Benefits

The Emerald tier provides cardholders with exclusive offers such as premium rewards, priority customer service, or specially tailored promotions. 

Redemption Options

Points can often be redeemed for travel perks, merchandise, vouchers, and even discounts on future transactions.

Tiered Rewards

System Usually, higher tiers (like Emerald) offer better rewards, incentives, or more options for redemption compared to lower levels. The Emerald tier is part of a broader system that allows frequent users of BDO credit cards to receive extra rewards and exclusive deals. It’s important to check the specific terms or the BDO Rewards Program brochure for full details, as the offerings may vary depending on regions and the type of BDO card being used. 

Emerald Rewards is a premium tier or special category within the BDO Rewards program that offers enhanced benefits and exclusive privileges to loyal BDO cardholders. Typically, programs like this provide advantages such as higher point-earning rates, bonus rewards, access to special promotions, and exclusive deals with partner merchants. The exact benefits, eligibility criteria, and terms can vary over time, so it's best to check the latest details directly with BDO or on their official website for the most current information.

How can I get points?

Based on recent information from BDO’s rewards program, you can earn points for the Emerald Rewards (and other tiers) primarily through everyday transactions using your BDO credit or debit cards.

Here are some common ways to accumulate points:

Card Usage: Earn points by using your BDO card for purchases at various merchants—both online and in-store.

Bill Payments: Paying bills through your BDO online banking or mobile app often awards points.

Promotional Offers: Look out for special promotions or partner deals where you can earn bonus points.

Everyday Banking: Some regular banking transactions, such as fund transfers or other qualifying activities, might also earn you points.

Since the exact methods and point multipliers can change over time, it’s a good idea to review the latest details on BDO’s official website or contact their customer service for the most up-to-date information on how to earn points for the Emerald Rewards program.

I have it on my app but even if I use my Kabayan debit card I don't get any points

If you're not receiving points on your Kabayan debit card despite using it for transactions, there could be several reasons for this issue.

Here's a list of things to check and steps to resolve the issue:

1.    Eligibility for Points

Ensure that your Kabayan debit card is enrolled in the BDO Rewards program. Some cards may not automatically earn points if they're not linked to this special program, even if you're using them for regular transactions.

Verify Your Tier: If your card is part of the Emerald Rewards or a different rewards tier, ensure that you've met the eligibility criteria (minimum spending threshold, etc.) for earning points.

2.    Check Terms & Conditions

Make sure you're meeting the specific terms for earning points. Some transactions may be excluded (e.g., balance transfers, ATM withdrawals, or using the card for non-merchant transactions might not earn points).If there are ongoing special promotions, you may need to activate them or opt-in before earning bonus points.

3.    Transaction Types

Confirm that the purchases you're making are eligible for reward points. Usually, retail purchases, bill payments, and online shopping will earn points, but certain fees or non-merchants (like ATM withdrawals) may be excluded. - **Transaction Frequency**: Sometimes, a specific number of purchases or a spending threshold may be required within a billing cycle before points are awarded.

4.     App Settings/Issues

Ensure that your BDO mobile banking app is updated. Occasionally, syncing issues may cause reward points to be reflected later or not at all. Check if you're logged into the correct account on the app associated with your debit card. It’s possible that there’s a technical issue with your account, and BDO support will be able to check whether your card is correctly enrolled in the rewards program.

5.    BDO Rewards System Update

There may be times when point allocation faces delays or system issues. Sometimes, points might take a few business days to reflect on your app

1.    Check your BDO account details and confirm that your Kabayan Debit Card is registered for the rewards program with the correct rewards designation.

2.    Review receipt/transaction details, make sure you kept receipts of transactions for which points were supposed to be earned, and check with BDO if they're eligible.

3.    Contact Customer Support, If the issue persists, you can call or visit a local branch to explain the situation and have them investigate your rewards points. If after these checks you’re still not receiving points, BDO’s customer service team will be able to assist further with any technical faults or eligibility issues.

Would you recommend BDO Unibank to me?

BDO Unibank is one of the largest banks in the Philippines, offering a wide range of financial products and services. In 2020, it was recognized as the highest-rated bank by Filipino clients in a Reader's Digest survey on customer satisfaction, receiving multiple awards in various categories. bdo.com.ph

However, customer experiences appear to be mixed. Some online reviews highlight concerns about customer service and account security. For instance, BDO Unibank has an average rating of 1.7 out of 5 based on 58 customer reviews on Pissed Consumer, with common complaints about customer service and support. bdo-unibank.pissedconsumer.com

The BDO Kabayan Savings account is designed primarily for overseas Filipinos and their beneficiaries. According to BDO, account holders can earn BDO Rewards points for every qualified remittance received and for maintaining a certain balance in their account. bdo.com.ph

Given your experience of not receiving points despite using your Kabayan debit card, it's possible that only specific transactions, such as qualified remittances and maintaining a certain balance, are eligible for earning points. Purchases made directly with the debit card may not qualify. For clarity on which transactions earn rewards and to address your concerns, it's advisable to contact BDO's customer service directly or visit a local branch.

In summary, while BDO Unibank offers a comprehensive range of services and has received notable accolades, individual experiences vary. It's important to assess whether their offerings align with your specific banking needs and expectations.

When was Emerald's reward started?

The BDO Rewards program was first introduced in 2005 and reintroduced in 2008. philstar.com

However, specific information regarding the launch date of the Emerald tier within the BDO Rewards program is not readily available in the provided sources.

Is emerald reward only available in the Philippines?

The BDO Rewards program, including the Emerald tier, is primarily designed for BDO Unibank account holders in the Philippines. To participate, individuals must maintain a personal peso or dollar savings or checking account with BDO. While the program is tailored for clients within the Philippines, overseas clients can access their accounts and manage certain aspects through BDO's online platforms. However, the full benefits and redemption options of the BDO Rewards program are mainly accessible within the Philippines

What can I say more about protecting our bank accounts?

Protecting your bank account from fraud and unauthorized access is crucial. Here are some essential tips to enhance your account security:

Use Strong, Unique Passwords: Create complex passwords that combine uppercase and lowercase letters, numbers, and special characters. Avoid using easily guessable information like birthdays or common words. Regularly update your passwords and ensure each of your accounts has a unique one. discover.com

Enable Two-Factor Authentication (2FA): Activate 2FA on your bank accounts to add an extra layer of security. This requires a second form of verification, such as a one-time code sent to your phone, making unauthorized access more difficult. discover.com

Be Cautious with Public Wi-Fi: Avoid accessing your bank accounts over public Wi-Fi networks, as they can be less secure and more susceptible to hacking. If necessary, use a Virtual Private Network (VPN) to encrypt your connection. discover.com

Monitor Your Accounts Regularly: Frequently review your bank statements and account activity to spot any unauthorized transactions promptly. Early detection is key to addressing potential fraud. focusdatasolutions.com

Beware of Phishing Attempts: Be vigilant about unsolicited communications asking for your personal or financial information. Verify the authenticity of emails or messages before clicking on links or providing details. bettermoneyhabits.bankofamerica.com

Keep Your Software Updated: Regularly update your devices' operating systems and applications to protect against known vulnerabilities that hackers might exploit. discover.com

Secure Personal Information Offline: Shred sensitive documents before disposal and avoid sharing personal information over the phone unless you can verify the recipient's identity. queenstownbank.com

By implementing these practices, you can significantly reduce the risk of unauthorized access to your bank accounts and protect your financial well-being.

 

 

 

 

Which JOLLIBEE BRANCH has the best and quality service in ILOCOS NORTE? for tourist must go and try

Yesterday po nagpunta po ako ng BATAC kasi may kukunin po akong food display at nagutom po ako, so nakita ko po si Jollibee dito po iyan sa batac, and ang kinain ko po doon is yong AMAZING ALOHA CHAMP Jr. (Burger) yung may pineapple po na burger, and nagulat po ako kasi yung COKE ZERO nila wala po siyang ice, I think it's not because coke zero siya hindi siya sweet so hindi nila nilalagyan ng ice, I think para sulit yung isang baso ng coke, pasensya na kasi medyo na thirst ako so humigop ako ng konti, yung burger na binili ko makapal po, masarap tsaka yung fatty po ay tunay na pork meat, tsaka makapal po yung burger, have you also noticed na yung uniform nila kung makikita niyo po pinicturan ko po sila one time, kung makikita niyo kakaiba, hindi po yung uniform nila na dati or yung usual parang pinalitan po yung kulay meron na po siyang kulay blue, tsaka orange.

Ito po yung itsura ng sa labas ng Jollibee dito sa batac, Along the highway from Laoag and the road, is going split to the market northern part and yung straight road niya is to manila if galing po kayo ng Laoag, but if galing po ng Manila or somewhere south you can see this Jollibee branch after the crossing with stop light and MMMSU medical building, don’t mind the Macdonald’s there just fast by.

Kung makikita niyo po sa picture talaga namang inubos ko lahat yung pagkain ko wala po akong tinira kasi napakasarap po niya meron din po palang video.

Kung gusto niyo ako mag rate ng burger, kung ano ang mas masarap, mas sulit po yung dito sa Batac, kasi po ano pure po yung mga nilagay nilang fatty tsaka po hindi po nila tinipid sa lettuce kasi sa laoag branch iba po, mas maliliit po yung mga nilalagay nilang sahog like tomatoes, lettuce so I will always choose BATAC pa rin po.

Bali nagmeryenda lang naman po ako kasi napagod po ako sa biyahe na galing po ako ng BACARRA kung alam niyo po yung distance I think mga 40 km.

Kumpleto ang fast food chain dito po sa amin sa ilocos norte, meron pong McDonald’s, Jollibee, Dunkin' donut, Mr. donut, Ang wala lang dito is yong DOMINO pizza, Subway, at Burger king. You can comment po below ano pa yong wala, marami pa po atang wala, well in the future we can have it hear, so better be updated.

The business here in Ilocos Norte is booming, I noticed that there are a lot of establishments going on already, as well as the roads being widened, and bypasses are also around.

I would rather choose or I would go to a restaurant, avoid fast food chain kasi po medyo unhealthy po talaga yung mga foods sa fast food chain pero dahil kanina sa biyahe ko nagutom ako and I cannot see any restaurant to eat so I better go into fast food, I don’t recommend it anyway but if we're talking about the best JOLLIBE is.

I don't like McDonald’s because their sauce is too sour and it's like I don't feel the sweetness or the taste na must better siya kay Jollibee, I would rate Jollibee Laoag 9. 5 out of 10 and Jollibee Batac with 9. 8, McDonald's are 8. 5 and the rest is 6. 0 below,

If we're talking about the kindness and politeness of people on the staff I would rather choose Jollibee Batac, because one time I experienced the Jollibee Laoag branch at the heart of Laoag, near Puregold there was this one young staff that talked to me in a bad way, and another Jollibee in Robinson San Nicolas, I don't recommend when it comes to work behaviors because these young workers are just playing around and it's like they don't know what's their job is, you cannot compare Jollibee Batac to this branches because they are kind and smiley, they always smile and talk so nicely, Very professional also.

When you come to visit Ilocos Norte please be my follower and I will guide you or tour you all around Ilocos Norte, Because I already go to those places for tourists. Thank you for reading my articles see you soon to my next blog.

This FRIED CHICKEN Stall in Laoag Market has a delicious taste that i can't forget (May Napakasarap na fried chicken sa Laoag)

Ito yung masarap na fried chicken dito sa Laoag Market Street Food, lagi ko po siyang pinupuntahan para bumili kahit isa lang pwede po, worth php20 murang mura, kahit na mura po siya masarap po siya sa fried chicken ng Jollibee, I don't know what's the business name, bawal po kasi picturan siya, ayaw niya, and kung makikita niyo po yung mga pinicturan kung fried chicken,  mga ganito lang po yung portion niya.

Ang maganda sa fried chicken niya is napakalutong, I think ito yung mga dapat ano tinatangkilik ng mga pilipino para yung mga maliliit na negosyo ay lumaki, marami rin naman po silang nagbebenta doon sa gilid-gilid pero ito talaga yung naiiba po ang lasa or yung nag-stand out ng lasa at saka itsura, napaka crispy po niya, tsaka hindi siya nakakaumay.

Madali lang po siyang hanapin dito sa may gilid, dito sa left side ng bakers ph basta po pag nakapunta po kayo dito sa laoag market pupunta lang po kayo ng northern part doon po sa may malapit na china bank, ME shopping mall. Everyday po bukas yung tindahan niya from 8: 00 a. M. To 5: 00 p. M.

Kahit maliit na business wag po nating ititigil, I think you have to stay doon sa kung saan ka masaya or kung saan yung pinakagusto mong gawin, ang mahalaga lang naman is may kitain tayo sa araw-araw na gastusin.

You know what, I also want to sell fried chicken in the street because I need more income for my business but I see that there are so many sellers of fried chicken out there. Maybe, I need to find out and see the other business that is suited to me, and the one I love the most, Jesus will help you to find out, I mean to see and Jesus will help you to provide the things that you need in every day of your life, and if you're always pushing what is God doesn't want you to do then you will be hard up to make it because it's not his will, I’m saying this because there are also unprepared businesses, I mean there are people I know that when they see something new it's like “Oh that’s amazing, I want to copy that”, in business you have to plan and you have to think about it before you will be going to start a business because, number one you need money to fund your business, and selling fried chicken is not that expensive so for the people who want to start a business you have to try selling fried chicken or anything that you can be deep fried in the street or in the home.

As a road trip traveler I noticed that, napakarami ng mga food stalls marami ng restaurants kahit saan ka magpunta dito sa pilipinas may mga kainan, talaga namang napakagaling ng pilipino sa pagkain, kaya dahan-dahan po tayo sa pagkain ng mga mamantika lalo na po sa mga deep fried.
I don't think na meron po itong business permit or anything na permit to operate kasi ano siya na namu-move, yung food cart po siya na may gulong pero kung ano naman naka-stock na siya sa daan or sa isang area na free, like it's permanent na naka-display na yung tindahan mo dun, then you have to submit you permits or requirements to the local government, so you’ll be secured to make money not troubles.

Malay mo no sa pagtitinda mo ng fried chicken sa street naka pagtapos ka ng pag-aaral, or yung mga kapatid mo or kung may anak ka naman mapagtapos mo sila sa high school or college, makakaipon ka pa rin naman, kaya mo pa ring ipunin yung isang Milyon, basta masipag ka tsaka matiyaga, push lang ng push and do not copy the idea of others just the originality of yours po.

HONG KONG Travel Guide 2025, The Peak Tram, Foods, And the Nature - One of the most visited place in HONG KONG

HONG KONG TRAVEL GUIDE, kailangan niyo po ng valid passport, sufficient funds, proof of onward or return transportation, and you can visit Hongkong for up to 6 months without visa, Ganun po sa Hongkong talagang tatanungin nila or kailangan niyo po talaga ng sufficient funds kasi po pag kayo po ay na-stranded or nawalan ng pera doon siguradong hindi na kayo makakabalik, kasi pati po yung return transportation niyo, ticket, or papers titignan po nila lahat iyon.

Sa Entry requirements naman po syempre kailangan niyo pa ng passport at least one month pass your intended stay tapos yun po proof of an ward or return transportation, funds cover you stay without working locally, kapag nagtrabaho po kayo doon na tourist lang naman hahanapin po kayo ng pulis tsaka isusumbong kayo nung may-ari kung kayo po ay nag-apply or pwede rin po yung pag nag-work kayo sa kalsada hindi rin po pwede bawal po, nagbebenta ng kung ano-ano bawal din.

Sa visa requirements naman po pag gusto niyo po ng mag-stay longer work study or travel for business you need a visa, doon na po makikita na magtatagal po kayo at pag working naman required po talaga iyon specially po sa mga gustong mag-aral, yung mga kayang i-afford.
Pwede rin niyo pong I-check po yung SAR government website for more information and visa requirements

Gusto ko rin pong mag-aware, dahil po sa HONGKONG meron din pong mga Mandurokot especially in crowded places marami din po doon parang pilipinas din lang, at sa France kung nagpunta na po kayo ng France pero hindi pa pa ako napunta ng France yung mga ano magnanakaw kasi po meron ding mga mahihirap, huwag po kayong masyadong nagdadala ng maraming gadgets talagang ano is notch po nila yan.

Be careful of people who approach you in a bars, kasi po doon sa mga bars syempre lasing na kayo marami na kayong na-inom at saka kung ano-ano na yung nasasabi mo at nakakasalamuha, hindi mo alam na pwede kang buhatin papuntang hotel or kunan ka ng litrato na medyo nakikita na yung mga ano mo, private parts mga ganun.

Don't accept drinks, food, gums, or cigarettes from strangers or new friends kasi hindi natin alam kung ano yung mga nilagay nila doon sa pagkain, sa drinks mo pwede kang mahilo tapos kung ano-ano na ang masamang gagawin sayo 'di ba tsaka ano din po don't leave food or drinks unattended kasi syempre kung ayaw ka ng tao doon baka may ilagay na poison or kung ano-ano 'di ba, bago ka palang sa lugar huwag masyadong magtiwala muna, you have to observe the place before you trust everyone.

Getting around and use the HONG KONG mobility app (Travel app) to plan your journey using public transport yun yung ano apps sa phone mo pwede mong i-download para makita mo yung mga public transportation para sa pupuntahan mong mga lugar.
The app provides information such as transport roots fairs journey time and real-time traffic conditions,
Talagang napakaganda po dito.
Alam niyo ba ang Hongkong nakakaranas din siya ng mga typhoons every year, they also experience around six typhoons a year average most of them are just mild lang naman and meron din silang app providers for weather warnings about typhoon and rains or thunderstorm. Napaka-modern din nila sa mga apps tsaka awareness.

Pag may nakita kayong mga mga pilipino pwede rin kayong magtanong tanong kung saan pupunta or saan makikita yung lugar na gusto niyong puntahan kasi yung mga pilipino mababait din naman sila dito, wag lang yong medyu alanganin ang mukha kasi baka manloloko din.

Just aware of the stranger people like mga white, ibang kulay ng skins yung mga mapuputi, pati maiitim just in case pero hindi naman lahat, basta sa mga Filipino lang po kayo lalapit pero kung marunong naman kayo mag mandarin or Chinese or gusto niyo talagang makipag-friend sa mga Chinese or Hongkonger pwede rin naman po makipag-usap.

Isa sa mga bawal na bawal dito yung mga ano nakikita ka na umiihi sa streets, or nagngangal ng chewing gum tapos itatapon mo lang kung saan saan, nag-sisigarilyo sa daan bawal lahat po iyon pati po yung nakahubad ka bawal din po, makikita po kayo sa CCTV nila agad aaction ang mga naka light blue shirts hehe.

Tips para sa mag - tatravel sa HONG KONG i think gumamit na lang ka po kayo ng debit card or credit card yung mga cards na meron kayo na galing pilipinas gamitin niyo na lang po yan, mas mabilis mas madali, kasi tinatanggap po nila lahat na mastercards tsaka Visa card, Cashless naman po doon and uso po yong I tap mo lang ang card mo.

Napakadali pong maglakbay dito or mag-travel kasi Hongkong is easy, and maliit lang po siya parang kasing liit lang po niya ng Singapore pera mas maliit pa ata ito.

Sa mga Backpackers po, talagang DIY po tsaka wala po akong ginamit na kahit anong agency guide, pwede rin po pero ano gagamit pa pa rin po kayo ng maraming pera. Bahala po kayo pero mas madali lang po yon kasya sarili mo ang gagawa.

Pinakamagandang months para mag-travel sa hong kong is think october and december po or pwede rin pong january to february.

Lastly po huwag na huwag po kayong magvi-video sa mga ano pulis at saka mga government buildings bawal na bawal po pala iyon, so iwasan po natin na picturan or i-video yung mga area na yun lalo na po sa mga pulis kasi kukunin po nila yung mga gadgets na ginamit niyo tsaka de-delete po lahat mga files na nasa cellphone or nasa video cam, alala diba uulitin mo ngayom ag pag lalakbay mo sa Hongkong if nangyari yon sayo. Anyway, hindi naman nangyari yon sa akin I just heard it from someone.
Ayan salamat po at sana po may natutunan po kayo sa aking blog or guide para maiwasan po ang mga maling gawain or mga hindi magandang pangyayari. Happy travel po.

Itong mga pag kain na ito ako talaga na INLOVE so try this is Hongkong subrang sarap ng mga sabaw.