This document is a loan application form for a multi-purpose loan from the Pag-IBIG Fund, a Philippine government-run savings fund. The 3-page form collects personal and employment information from applicants and includes sections for the applicant's agreement to loan terms, promissory note, and loan guidelines. Applicants must be Pag-IBIG members making monthly contributions for at least 24 months to qualify. The form allows members to apply for loans up to 60-80% of their total savings balance for housing, education, or other purposes. It outlines the loan approval process, interest rates, payment schedules and consequences of late or non-payment.
This document discusses evaluating multimodal texts and conveying ideas through various forms of presentation. It covers linguistic landscapes, geosemiotics, different types of signs, and online landscapes. The key points are:
- Linguistic landscapes refer to the visibility and salience of languages in public/commercial signs in a given area. Geosemiotics studies the social meaning of placing signs in the world.
- There are 4 types of signs: regulatory (indicate authority), infrastructural (label things), commercial (advertise products), and transgressive (violate conventions).
- Online landscapes include platforms like YouTube and Twitter, where users can curate personalized linguistic spaces. Memes are contagious
Local and Global Communication in Multicultural SettingRyanBuer
This document outlines a lesson on local and global communication in multicultural settings. It discusses the importance of cultural awareness and sensitivity when communicating across different cultures. Specifically, it addresses determining appropriate terminology for different genders, races, and classes. It also covers adopting awareness and sensitivity to cultural differences in communicating ideas. The lesson topics include a world of diversity, the global community, cultural awareness and sensitivity, gender sensitivity, and political correctness.
This document is the preface to the official Vatican-approved National Catholic Catechism for the Philippines called the Catechism for Filipino Catholics (CFC). It explains that the CFC was developed by the Catholic Bishops' Conference of the Philippines (CBCP) to provide an effective tool for transmitting the Catholic faith to Filipinos in a way that draws from both the universal Church's catechism and the teachings of the Second Plenary Council of the Philippines, taking into account Philippine culture and situation. It addresses the need for an up-to-date catechism written specifically for Filipinos to help them live out their faith amid modern challenges. The CFC focuses on essential Catholic teachings
Evaluating messages or images of different types of texts reflecting differen...PhDEng Ruel Bongcansiso
1. The document discusses evaluating different types of texts and media messages reflecting various cultures. It addresses strategies for analyzing images, identifying cultural texts, and detecting bias in the media.
2. Key points include understanding the symbolism and communication styles of other cultures, asking questions to interpret images and identify their intended meanings and audiences, and recognizing how bias can occur through word choices, sources cited, and emphasis or omission of certain ideas.
3. Proper evaluation requires considering the context, origins, and implications of what is being communicated through both words and images.
Man can be understood from different philosophical perspectives. Some views see man as dualistic, composed of both body and spirit. Others see man as monistic, consisting of either just the spiritual or just the physical. Christianity typically views man as tripartite - with body, soul, and spirit. As a person, man is a rational being with free will and dignity. Philosophically examining the nature and composition of man can provide insights into human existence.
Local and Global Communication in Multicultural Settings TeacherRichster
This presentation discusses Communication in Multicultural set-up considering not only cultural differences, social backgrounds, biographical diverseness of every individual; but also factors that could help everyone in an intercultural communication setting.
The document defines and discusses the purpose and parts of business letters. It explains that business letters are formal written messages used to conduct business that cannot be done orally. The key parts of a business letter are identified as the heading, date line, inside address, attention line, salutation, subject line, body, complimentary closing, signature, and enclosures. The document provides examples and guidelines for writing each of these parts appropriately based on the level of formality required.
This document discusses the nature and morality of human acts. It defines human acts as actions that are consciously and freely done, requiring knowledge, freedom, and voluntariness. Human acts are distinguished from acts of man, which are actions beyond one's consciousness and control. The morality of a human act depends on its object, intention, and circumstances. Some acts are intrinsically evil regardless of intention due to their object. To determine the morality of an act, one must consider whether the object, intention, and circumstances together are good or bad.
This document discusses evaluating multimodal texts and conveying ideas through various forms of presentation. It covers linguistic landscapes, geosemiotics, different types of signs, and online landscapes. The key points are:
- Linguistic landscapes refer to the visibility and salience of languages in public/commercial signs in a given area. Geosemiotics studies the social meaning of placing signs in the world.
- There are 4 types of signs: regulatory (indicate authority), infrastructural (label things), commercial (advertise products), and transgressive (violate conventions).
- Online landscapes include platforms like YouTube and Twitter, where users can curate personalized linguistic spaces. Memes are contagious
Local and Global Communication in Multicultural SettingRyanBuer
This document outlines a lesson on local and global communication in multicultural settings. It discusses the importance of cultural awareness and sensitivity when communicating across different cultures. Specifically, it addresses determining appropriate terminology for different genders, races, and classes. It also covers adopting awareness and sensitivity to cultural differences in communicating ideas. The lesson topics include a world of diversity, the global community, cultural awareness and sensitivity, gender sensitivity, and political correctness.
This document is the preface to the official Vatican-approved National Catholic Catechism for the Philippines called the Catechism for Filipino Catholics (CFC). It explains that the CFC was developed by the Catholic Bishops' Conference of the Philippines (CBCP) to provide an effective tool for transmitting the Catholic faith to Filipinos in a way that draws from both the universal Church's catechism and the teachings of the Second Plenary Council of the Philippines, taking into account Philippine culture and situation. It addresses the need for an up-to-date catechism written specifically for Filipinos to help them live out their faith amid modern challenges. The CFC focuses on essential Catholic teachings
Evaluating messages or images of different types of texts reflecting differen...PhDEng Ruel Bongcansiso
1. The document discusses evaluating different types of texts and media messages reflecting various cultures. It addresses strategies for analyzing images, identifying cultural texts, and detecting bias in the media.
2. Key points include understanding the symbolism and communication styles of other cultures, asking questions to interpret images and identify their intended meanings and audiences, and recognizing how bias can occur through word choices, sources cited, and emphasis or omission of certain ideas.
3. Proper evaluation requires considering the context, origins, and implications of what is being communicated through both words and images.
Man can be understood from different philosophical perspectives. Some views see man as dualistic, composed of both body and spirit. Others see man as monistic, consisting of either just the spiritual or just the physical. Christianity typically views man as tripartite - with body, soul, and spirit. As a person, man is a rational being with free will and dignity. Philosophically examining the nature and composition of man can provide insights into human existence.
Local and Global Communication in Multicultural Settings TeacherRichster
This presentation discusses Communication in Multicultural set-up considering not only cultural differences, social backgrounds, biographical diverseness of every individual; but also factors that could help everyone in an intercultural communication setting.
The document defines and discusses the purpose and parts of business letters. It explains that business letters are formal written messages used to conduct business that cannot be done orally. The key parts of a business letter are identified as the heading, date line, inside address, attention line, salutation, subject line, body, complimentary closing, signature, and enclosures. The document provides examples and guidelines for writing each of these parts appropriately based on the level of formality required.
This document discusses the nature and morality of human acts. It defines human acts as actions that are consciously and freely done, requiring knowledge, freedom, and voluntariness. Human acts are distinguished from acts of man, which are actions beyond one's consciousness and control. The morality of a human act depends on its object, intention, and circumstances. Some acts are intrinsically evil regardless of intention due to their object. To determine the morality of an act, one must consider whether the object, intention, and circumstances together are good or bad.
The document discusses concepts of Filipino identity through analyzing Zialcita's essays. It explores ideas like mestizos referring to mixed origins rather than skin color. Cultural schizophrenia describes societies crushed between multiple cultures. While tensions may exist, cultures can also fuse over time. The essays examine scenarios of Central Javanese, Maranao people, and Germanic peoples to show how traditions may coexist. There is no single Asian identity given differences in languages, ethnicities, and civilizations across the vast region. Filipino identity should be understood culturally rather than based on concepts of race.
Here are the kinds of supposition for the underlined terms in each proposition:
1. "Tamarao" - Absolute supposition
2. "Tamarao" - Material supposition
3. "Pag-asa" - Logical supposition
This document describes 5 positions for dance or exercise. The 1st position involves raising the arms in a circle in front of the chest with the heels close and toes apart. The 2nd position has the arms opening to the sides below shoulder level with the feet apart sideways. The 3rd position raises one arm overhead while the other remains in the 2nd position, with one heel touching the other foot's instep.
This chapter discusses controversies and conflicting views regarding important events in Philippine history. It examines debates around the actual site of the first Catholic mass as well as the location and date of key Katipunan events like the Pagpupunit and Pasya. Regarding Rizal's alleged retraction, conflicting accounts are presented from Catholic friars and historians. While some evidence supports the retraction, such as a statement from a Spanish spy, many details remain dubious and open to question by scholars. Overall, the chapter illustrates how understandings of the past are often subject to interpretation and differing historical perspectives.
Conscience is described as our lived knowledge of good and evil, prompting us to judge our actions as morally right or wrong. It is seen as the inner core where we encounter God and recognize our moral obligations. The Bible references conscience indirectly through concepts like heart, mind, and loins. In the New Testament, conscience is portrayed as a God-given capacity for self-evaluation, a witness, and servant to our value systems. Christian theologians see conscience as the place we encounter God, with Augustine viewing it as the divine center where we are addressed by God.
This document summarizes information about the indigenous peoples of the Philippines. It discusses the various ethnic groups that are considered indigenous, including descriptions of their cultures, traditions, and geographical locations. Some of the indigenous groups mentioned are the Igorot, Mangyan, Aeta, Ifugao, Kalinga, Ibaloi, Tagbanwa, and Lumad. The document also provides background on laws and government agencies established to protect the rights and cultures of indigenous peoples in the Philippines, such as the Indigenous Peoples' Rights Act and the National Commission on Indigenous Peoples.
The document discusses the history and implementation of agrarian reform in the Philippines. It describes how [1] the implementation of agrarian reform proceeded slowly due to lack of political will, [2] the Comprehensive Agrarian Reform Law of 1988 established the Comprehensive Agrarian Reform Program to more successfully implement land reform, and [3] the law focused on redistributing land and improving social justice and economic opportunities for farmers.
This document discusses communication for work purposes. It outlines three learning outcomes related to creating clear materials, presenting ideas persuasively, and adopting audience awareness. It then provides an outline covering workplace communication, business letters, and memos. For each topic, it defines the concept and provides examples and guidelines. For workplace communication, it discusses purpose, audience, and tone. It also outlines broad categories of communication and ethics in workplace communication. For business letters, it defines the parts and formats. It also lists frequently written letter types. For memos, it discusses definitions and guidelines for writing them.
The document outlines the powers, duties, and functions of provincial governors and Sangguniang Panlalawigan (provincial boards) according to the Local Government Code of 1991 in the Philippines. It states that provincial governors are mandated to promote general welfare in their provinces through exercising executive powers and performing duties like enforcing laws, generating resources, and ensuring delivery of basic services. The governor also acts as presiding officer of the Sangguniang Panlalawigan which has legislative powers like enacting ordinances, appropriating funds, and establishing councils.
The document discusses the passage of the Rizal Law in the postwar Philippines. It began as the Rizal Bill, sponsored by Senator Claro Recto to mandate teaching the life and works of Jose Rizal in schools. Debate ensued as the Catholic Church opposed the bill. Amendments were made to gain approval, removing mandatory reading of Rizal's novels but keeping their unedited versions. Both legislative chambers ultimately approved the amended bill, which was signed into law as the Rizal Law.
Delia R. Torero authorizes her niece, Devine Grace R. Badillos, to inquire about Delia's account status and possible claims with the Philippine Public School Teachers Association on Delia's behalf. The authorization letter provides Delia's contact information and confirms she has attached a copy of her personal identification.
The document is a letter from the Isulan Central School SPED Center requesting donations from a businessman for several school projects. Specifically, the letter requests bags of cement, hollow blocks, gallons of paint, loads of sand, and ceiling fans. The donations would help establish a Reading Center, Pathway, and FAITH Garden projects for the school. The letter highlights that the school was a 2012 champion and they are preparing for the upcoming school year to continue showing the best in all aspects.
The document discusses the difference between representational and non-representational art, and how to identify the subject and content of a work of art. It explains that the subject is the visual focus or image, while the content is the meaning or message conveyed. Examples are provided of different subject matters in art, from nature and mythology to figures and landscapes.
This document outlines a rubric for evaluating digital posters on several criteria: time and work (20%), global appearance (20%), information (20%), links (20%), and technology skills (20%). For each criterion, descriptors are provided for performance levels of excellent, very good, acceptable, and need improvement, with associated point values from 4 to 1. The rubric will be used to assess elements like whether the poster was completed on time, its organization, the quality and relevance of information and links included, and correct formatting and sharing of the final poster.
UST NSTP LTS Orientation 1st Semester AY 2018-2019elaboboto
This prayer seeks wisdom, courage, and peace through acceptance of things outside one's control and trusting God's will. It asks for the serenity to accept what cannot be changed, courage to change what can, and wisdom to distinguish between the two. It also expresses wanting to enjoy life day by day and moment by moment, accepting hardships as leading to peace, and trusting that God will make all things right if one surrenders to God's will. The prayer ends by hoping for happiness in this life and eternal happiness with God.
The memorandum of agreement is between the Sangguniang Kabataan of Malayo Sur, Cortes, Bohol and the Local Basketball Referees. It outlines their agreement to hold a basketball tournament for youth development. The SK will provide the venue, funds of PHP 35,000 for referee and official honorariums, technical assistance and security. The referees will conduct the tournament according to the rules and ensure its smooth operation. The tournament aims to develop law-abiding skills and sportsmanship among the youth.
Noel Magat is submitting his resignation from Poorfoods Corporation due to family concerns requiring his immediate attention. He apologizes for not formally submitting his resignation earlier due to oversight of procedures. Magat requests consideration regarding the technical lapse and clarifies his intention to follow proper resignation procedures going forward. He remains available to assist further if needed.
Under Spanish rule, the Philippines had a centralized government with the King of Spain having absolute power. The Governor-General represented the King and had significant authority, checked by bodies like the Royal Audiencia court and visitadors who investigated abuses. Politically, the country was divided into provinces governed by alcaldes mayores or corregidors. Locally, towns were headed by gobernadorcillos and barangays by cabeza de barangays. The Spanish established a system of colonial administration that remained influential in Philippine society until independence.
This document appears to be an application form for a multi-purpose loan from the Pag-IBIG Fund, a Philippine government run savings fund. The form collects personal information from applicants like name, address, contact details, employment history. It outlines the terms of the loan like maximum amounts based on length of loan, interest rates, and penalties for late payments. Applicants must sign agreeing to payroll deductions for loan payments and assigning any benefits/payouts to the fund if they default. Guidelines at the end specify who is eligible to apply, including requirements of membership length and monthly income level.
This document is a Calamity Loan application form from Pag-IBIG Fund, a Philippine government-run savings program. The form collects personal and employment information from applicants, including name, address, date of birth, employer details, and loan purpose. Applicants agree to have their monthly loan payments deducted from their salary. If approved, the loan proceeds will be credited to the applicant's payroll account. The form also contains instructions for who is eligible to apply for the Calamity Loan.
The document discusses concepts of Filipino identity through analyzing Zialcita's essays. It explores ideas like mestizos referring to mixed origins rather than skin color. Cultural schizophrenia describes societies crushed between multiple cultures. While tensions may exist, cultures can also fuse over time. The essays examine scenarios of Central Javanese, Maranao people, and Germanic peoples to show how traditions may coexist. There is no single Asian identity given differences in languages, ethnicities, and civilizations across the vast region. Filipino identity should be understood culturally rather than based on concepts of race.
Here are the kinds of supposition for the underlined terms in each proposition:
1. "Tamarao" - Absolute supposition
2. "Tamarao" - Material supposition
3. "Pag-asa" - Logical supposition
This document describes 5 positions for dance or exercise. The 1st position involves raising the arms in a circle in front of the chest with the heels close and toes apart. The 2nd position has the arms opening to the sides below shoulder level with the feet apart sideways. The 3rd position raises one arm overhead while the other remains in the 2nd position, with one heel touching the other foot's instep.
This chapter discusses controversies and conflicting views regarding important events in Philippine history. It examines debates around the actual site of the first Catholic mass as well as the location and date of key Katipunan events like the Pagpupunit and Pasya. Regarding Rizal's alleged retraction, conflicting accounts are presented from Catholic friars and historians. While some evidence supports the retraction, such as a statement from a Spanish spy, many details remain dubious and open to question by scholars. Overall, the chapter illustrates how understandings of the past are often subject to interpretation and differing historical perspectives.
Conscience is described as our lived knowledge of good and evil, prompting us to judge our actions as morally right or wrong. It is seen as the inner core where we encounter God and recognize our moral obligations. The Bible references conscience indirectly through concepts like heart, mind, and loins. In the New Testament, conscience is portrayed as a God-given capacity for self-evaluation, a witness, and servant to our value systems. Christian theologians see conscience as the place we encounter God, with Augustine viewing it as the divine center where we are addressed by God.
This document summarizes information about the indigenous peoples of the Philippines. It discusses the various ethnic groups that are considered indigenous, including descriptions of their cultures, traditions, and geographical locations. Some of the indigenous groups mentioned are the Igorot, Mangyan, Aeta, Ifugao, Kalinga, Ibaloi, Tagbanwa, and Lumad. The document also provides background on laws and government agencies established to protect the rights and cultures of indigenous peoples in the Philippines, such as the Indigenous Peoples' Rights Act and the National Commission on Indigenous Peoples.
The document discusses the history and implementation of agrarian reform in the Philippines. It describes how [1] the implementation of agrarian reform proceeded slowly due to lack of political will, [2] the Comprehensive Agrarian Reform Law of 1988 established the Comprehensive Agrarian Reform Program to more successfully implement land reform, and [3] the law focused on redistributing land and improving social justice and economic opportunities for farmers.
This document discusses communication for work purposes. It outlines three learning outcomes related to creating clear materials, presenting ideas persuasively, and adopting audience awareness. It then provides an outline covering workplace communication, business letters, and memos. For each topic, it defines the concept and provides examples and guidelines. For workplace communication, it discusses purpose, audience, and tone. It also outlines broad categories of communication and ethics in workplace communication. For business letters, it defines the parts and formats. It also lists frequently written letter types. For memos, it discusses definitions and guidelines for writing them.
The document outlines the powers, duties, and functions of provincial governors and Sangguniang Panlalawigan (provincial boards) according to the Local Government Code of 1991 in the Philippines. It states that provincial governors are mandated to promote general welfare in their provinces through exercising executive powers and performing duties like enforcing laws, generating resources, and ensuring delivery of basic services. The governor also acts as presiding officer of the Sangguniang Panlalawigan which has legislative powers like enacting ordinances, appropriating funds, and establishing councils.
The document discusses the passage of the Rizal Law in the postwar Philippines. It began as the Rizal Bill, sponsored by Senator Claro Recto to mandate teaching the life and works of Jose Rizal in schools. Debate ensued as the Catholic Church opposed the bill. Amendments were made to gain approval, removing mandatory reading of Rizal's novels but keeping their unedited versions. Both legislative chambers ultimately approved the amended bill, which was signed into law as the Rizal Law.
Delia R. Torero authorizes her niece, Devine Grace R. Badillos, to inquire about Delia's account status and possible claims with the Philippine Public School Teachers Association on Delia's behalf. The authorization letter provides Delia's contact information and confirms she has attached a copy of her personal identification.
The document is a letter from the Isulan Central School SPED Center requesting donations from a businessman for several school projects. Specifically, the letter requests bags of cement, hollow blocks, gallons of paint, loads of sand, and ceiling fans. The donations would help establish a Reading Center, Pathway, and FAITH Garden projects for the school. The letter highlights that the school was a 2012 champion and they are preparing for the upcoming school year to continue showing the best in all aspects.
The document discusses the difference between representational and non-representational art, and how to identify the subject and content of a work of art. It explains that the subject is the visual focus or image, while the content is the meaning or message conveyed. Examples are provided of different subject matters in art, from nature and mythology to figures and landscapes.
This document outlines a rubric for evaluating digital posters on several criteria: time and work (20%), global appearance (20%), information (20%), links (20%), and technology skills (20%). For each criterion, descriptors are provided for performance levels of excellent, very good, acceptable, and need improvement, with associated point values from 4 to 1. The rubric will be used to assess elements like whether the poster was completed on time, its organization, the quality and relevance of information and links included, and correct formatting and sharing of the final poster.
UST NSTP LTS Orientation 1st Semester AY 2018-2019elaboboto
This prayer seeks wisdom, courage, and peace through acceptance of things outside one's control and trusting God's will. It asks for the serenity to accept what cannot be changed, courage to change what can, and wisdom to distinguish between the two. It also expresses wanting to enjoy life day by day and moment by moment, accepting hardships as leading to peace, and trusting that God will make all things right if one surrenders to God's will. The prayer ends by hoping for happiness in this life and eternal happiness with God.
The memorandum of agreement is between the Sangguniang Kabataan of Malayo Sur, Cortes, Bohol and the Local Basketball Referees. It outlines their agreement to hold a basketball tournament for youth development. The SK will provide the venue, funds of PHP 35,000 for referee and official honorariums, technical assistance and security. The referees will conduct the tournament according to the rules and ensure its smooth operation. The tournament aims to develop law-abiding skills and sportsmanship among the youth.
Noel Magat is submitting his resignation from Poorfoods Corporation due to family concerns requiring his immediate attention. He apologizes for not formally submitting his resignation earlier due to oversight of procedures. Magat requests consideration regarding the technical lapse and clarifies his intention to follow proper resignation procedures going forward. He remains available to assist further if needed.
Under Spanish rule, the Philippines had a centralized government with the King of Spain having absolute power. The Governor-General represented the King and had significant authority, checked by bodies like the Royal Audiencia court and visitadors who investigated abuses. Politically, the country was divided into provinces governed by alcaldes mayores or corregidors. Locally, towns were headed by gobernadorcillos and barangays by cabeza de barangays. The Spanish established a system of colonial administration that remained influential in Philippine society until independence.
This document appears to be an application form for a multi-purpose loan from the Pag-IBIG Fund, a Philippine government run savings fund. The form collects personal information from applicants like name, address, contact details, employment history. It outlines the terms of the loan like maximum amounts based on length of loan, interest rates, and penalties for late payments. Applicants must sign agreeing to payroll deductions for loan payments and assigning any benefits/payouts to the fund if they default. Guidelines at the end specify who is eligible to apply, including requirements of membership length and monthly income level.
This document is a Calamity Loan application form from Pag-IBIG Fund, a Philippine government-run savings program. The form collects personal and employment information from applicants, including name, address, date of birth, employer details, and loan purpose. Applicants agree to have their monthly loan payments deducted from their salary. If approved, the loan proceeds will be credited to the applicant's payroll account. The form also contains instructions for who is eligible to apply for the Calamity Loan.
This document is a Calamity Loan application form from Pag-IBIG Fund, a Philippine government-run savings program. The form collects personal and employment information from applicants, including name, address, date of birth, employer details, and loan purpose. Applicants agree to have their monthly loan payments deducted from their salary. If approved, the loan proceeds will be credited to the applicant's payroll account. The form also contains instructions for who is eligible to apply for the Calamity Loan.
Slf065 multi purposeloanapplicationform_v03ジョー イデラクルーズ
This document is an application form for a Multi-Purpose Loan (MPL) from Pag-IBIG Fund, a Philippine government run savings fund. The form collects personal information from the applicant such as name, address, employer details, and loan request information. It specifies the requirements to qualify for the loan including having made at least 24 monthly membership savings payments. It outlines the loan features such as maximum loan amounts, interest rates, repayment terms over 24 months and consequences of defaulting on payments. The applicant signs to authorize the loan, payroll deductions for repayment and penalties in case of issues.
Slf065 multi purposeloanapplicationform_v04_fillable_finalRamil Baduria
This document is a loan application form for a multi-purpose loan from Pag-IBIG Fund. The form collects personal information from the applicant such as name, address, contact details, employment information, and loan details. It contains agreements where the applicant authorizes salary deductions for loan payments, penalties for late payments, and allows Pag-IBIG to access credit information. The employer also agrees to salary deductions for payments. The final section is a promissory note where the applicant agrees to the loan terms and conditions such as interest rate, payment schedule, and consequences of default.
1. This document contains instructions and terms for a multi-purpose loan (MPL) from the Private Education Retirement Annuity Association Fund (PERAA Fund).
2. It provides details on eligibility, maximum loan amounts up to 75% of employee's accumulated value, repayment terms from 12-60 months depending on loan amount, and a 1.5% service charge.
3. Key requirements are a minimum of 12 monthly contributions to PERAA Fund, loan approval by the participating institution, and loan repayment through monthly payroll deductions over the term of the loan.
The document provides information on the Employees' Provident Fund scheme in India. It outlines the objectives, eligibility, benefits, contribution rates, and processes involved in the scheme. The key points are:
- The scheme aims to provide social security to employees by taking care of their retirement, medical care, housing, family obligations, and insurance needs.
- Both employees and employers contribute 12% each of wages to the provident fund every month.
- Benefits include retirement benefits, advances for purposes like housing, marriage, illness, etc.
- Annual statements of accounts are provided and nominations can be made for beneficiaries in case of death.
The document provides information on the Employees' Provident Fund scheme in India. It outlines the objectives, eligibility, benefits, contribution rates, withdrawal policies, and forms associated with the fund. Key details include:
- Employees covered enjoy social security benefits from the fund.
- Both employees and employers contribute 12% of wages to the fund each month.
- Benefits include retirement, medical care, housing, family obligations, and insurance.
- Members can withdraw up to 90% of their fund after age 54 or within a year of retirement.
The document provides information on the Employees' Provident Fund scheme in India. It outlines the objectives, eligibility, benefits, contribution rates, withdrawal policies, and forms associated with the fund. Key details include:
- Employees covered enjoy social security benefits from the fund.
- Both employees and employers contribute 12% of wages to the fund each month.
- Benefits include retirement, medical care, housing, family obligations, and insurance.
- Members can withdraw up to 90% of their fund after age 54 or within a year of retirement.
1. The document discusses the SSS Member Loan Penalty Condonation Program for Employers, which condones penalties on unremitted or delinquent loan amortizations for certain member loans if paid in full or through an approved installment plan by June 30, 2011.
2. Eligible employers must be current on employee contribution payments and may avail of the program if their employees have delinquent loans.
3. The program condones penalties but the outstanding loan principal and interest up to April 1, 2010 must still be paid. Full payment or an installment plan of up to 24 months at 3% interest can be submitted for approval.
This document provides general rules for claiming deductions and tax rebates on Form C for the financial year 2015-2016. It outlines various exemptions for allowances like house rent allowance, medical allowance, and children's education allowance. It also summarizes various deductions that can be claimed under sections 80C, 80CCC, 80CCD, 80CCE, and 80CCG of the Income Tax Act for investments, pension contributions, tuition fees, and other qualifying expenditures, subject to an overall deduction limit of Rs. 150,000. Instructions are provided on eligibility and documentation required for claiming these exemptions and deductions.
This Blog written by me attempts to discuss the features and Benefits of Employee Provident fund Scheme as a Fixed Savings instrument in terms of Applicability, Contributions, Return, Risks, Lock-in period, Liquidity, Tax Benefits, Voluntary PF and highlights the recent relief measures that the government has announced considering the current COVID-19 Pandemic
Mandate Form For Payment Of LICI Premium By ECSIndialic .in
This document provides instructions for policyholders to set up an Electronic Clearing Service (ECS) or direct debit mandate to pay life insurance premiums electronically from their bank account. Key details include:
- The form collects policy and bank account information for setting up the ECS/direct debit mandate.
- Premiums will be deducted on the 7th, 15th or 28th of each month depending on the policy commencement date. Sufficient funds must be maintained on the debit date.
- If a debit is dishonored, premiums must be paid in cash along with applicable charges by the due date.
- Policyholders must notify their bank and insurance branch at least 20-
1) Employers are statutorily required to register their factory or establishment with the Employees' State Insurance Corporation within 15 days of the Act becoming applicable. They must submit a declaration form with details about the factory.
2) Employers must also register individual employees by submitting an employee declaration form within 10 days of employment along with family photos. The branch office will assign insurance numbers and identity cards.
3) Employers must pay contributions comprising 6.5% of wages (4.75% employer share and 1.75% employee share) by the 21st of each month and submit return of contribution forms every six months.
1. The Pradhan Mantri Suraksha Bima Yojana is an accidental death and disability insurance scheme offered through participating banks that provides coverage of Rs. 2 lakh for death and Rs. 1-2 lakh for disabilities for eligible savings bank account holders between 18-70 years of age.
2. The annual premium is Rs. 12 per member deducted directly from the savings bank account, and the scheme period runs from June 1st to May 31st each year. Those eligible can enroll by giving auto-debit authorization by May 31st or August 31st in the initial year.
3. Coverage ends at age 70, closure of bank account, insufficient balance to pay premium,
Employers failing to provide tax exemptions and reliefs to employees during payroll deductions can result in employees being owed tax refunds. When filing individual tax returns, if an employee's actual tax liability is less than taxes paid, they are due a refund. Common reasons for refunds include employers not granting disability exemptions, insurance reliefs, mortgage interest deductions, or monthly personal reliefs. To apply for a refund, individuals log into the iTax portal and submit a claim along with required documents like deduction cards or certificates. Refunds are then analyzed and paid out once approved.
The document discusses the Employees' Provident Fund Act of 1952 which establishes a mandatory contributory pension fund for employees in India. The key points discussed are:
- The act created a provident fund to provide financial security for employees upon retirement or for dependents in case of death. The Employee Provident Fund Organization (EPFO) manages the fund.
- The fund consists of the Employees' Provident Fund (EPF), Employees' Pension Scheme (EPS), and Employees' Deposit-Linked Insurance (EDLI) scheme.
- 12% of an employee's salary is contributed to EPF each month by the employee and employer. A portion also goes to EPS and EDLI to provide pension
This document is an application form for the Paycheck Protection Program (PPP) loan. It collects information about the applicant business such as legal name, tax identification number, average monthly payroll costs, and number of employees. It asks the applicant to certify that the loan funds will be used to retain workers and maintain payroll. The applicant must initial boxes to confirm they meet PPP eligibility requirements. If approved, the loan amount is calculated based on 2.5 times the average monthly payroll costs.
Installment Request for Individual Incometaxman taxman
This document is an installment request form for individuals to pay state tax balances owed in monthly installments over a period not exceeding 6 months. It provides instructions for applying for an installment agreement, including calculating the monthly payment amount by dividing the total amount due by 6. It notes that approved agreements will not prevent debt collection actions like garnishing tax refunds. It also describes maintaining timely filing of returns and payments during the agreement and consequences of missed payments.
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1. FLS010
HDMF MULTI-PURPOSE
LOAN APPLICATION FORM (MPLAF)
(TO BE FILLED OUT BY APPLICANT)
(Revised 09/2006)
Type or print entries
LAST NAME FIRST NAME MIDDLE NAME MAIDEN NAME (For married women) DESIRED LOAN AMOUNT
MAX OF 60% (24-59 MOS.) MAX OF 80% (AT LEAST 120 MOS.)
MAX OF 70% (60-119 MOS.) OTHER AMOUNT, PLS. SPECIFY _______________
HOME ADDRESS (Pls. indicate complete address) GENDER
MALE
FEMALE
CIVIL STATUS
SINGLE WIDOW/ER ANNULLED
MARRIED LEGALLY SEPARATED
EMPLOYEE No.
MOTHER'S MAIDEN NAME MOBILE PHONE No. HOME TEL. No. TIN
BIRTHDATE
mm dd yyyy
BIRTHPLACE Pag-IBIG ID No. SSS/GSIS ID No.
COMPANY/EMPLOYER NAME FOR AFP EMP-SERIAL/ACCOUNT No.
FOR DECS EMP - DIV. CODE/STATION CODE/
EMPLOYEE No.
TYPE OF LOAN LOAN PURPOSECOMPANY/EMPLOYER ADDRESS (Pls. indicate complete address) OFFICE TEL. NO.
NEW
RENEWAL
PAYMENT OF
HOUSING LOAN
ARREARAGES
OTHER
HOUSING-
RELATED
NON-
HOUSING
RELATED
EMPLOYMENT HISTORY FROM DATE OF Pag-IBIG MEMBERSHIP (Use another sheet if necessary) DATE OF Pag-IBIG MEMBERSHIP
(Mo.Yr.)
NAME OF EMPLOYER ADDRESS FROM(Mo./Yr.) TO (Mo./Yr.)
APPLICATION AGREEMENT
In consideration of the loan that may be granted by virtue of this application subject to the pertinent provisions of the Implementing Rules
and Regulations of the Pag-IBIG Fund, I hereby waive my rights under R.A. No. 1405 and authorize Pag-IBIG Fund to verify/validate my
payroll account number. Furthermore, I hereby authorize my present employer
______________________________________________________________________________ or any employer with whom I may get
employed in the future, to deduct the monthly Pag-IBIG contribution and amortization due from my salary and remit the same to Pag-IBIG
Fund. If the resulting monthly net take home pay after deducting the computed monthly amortization on MPL falls below the monthly net take
home pay as required under the GAA/company policy, I authorize Pag-IBIG Fund to compute for a lower loanable amount.
Should I be classified as having an outstanding housing loan account in arrears for more than 9 months upon loan application but said
account is not yet cancelled or foreclosed, I hereby assign the proceeds of the loan to Pag-IBIG Fund and authorize the latter to apply the
said proceeds to the payment of my housing loan arrearages.
I understand that should I fail to pay the monthly amortization due, I shall be charged a penalty of 1/2% of any unpaid amount for every
month of delay.
I further authorize my employer to deduct the outstanding balance of my MPL from my retirement and/or separation pay and remit the
same to Pag-IBIG Fund. This authorization is irrevocable until such time that the said loan is fully paid.
In the event my retirement and/or separation pay is not sufficient to settle the outstanding balance of my MPL or my employer fails, for
whatever reason, to deduct the same from said retirement and/or separation pay in settlement of the outstanding balance of my MPL, I
hereby authorize Pag-IBIG Fund to apply whatever benefits are due me from the Fund to settle the said obligation.
I certify that the information given and any or all statements made herein are true and correct to the best of my knowledge and belief. I
hereby certify under pain of perjury that my signature and thumbmarks appearing herein are genuine and authentic.
This office agrees to collect the corresponding monthly
amortizations on this loan and the monthly contributions of
herein applicant through payroll deduction, together with
the employer counterpart contributions, and remit said
amounts to Pag-IBIG Fund on or before the scheduled day
of every month, for the duration that the loan remains
outstanding. However, should we deduct the monthly
amortization due from the applicant's salary but failed to
remit it on due date, this office agrees to pay the
corresponding penalties equivalent to 1/2% of any unpaid
amount for every month of delay.
_________________________________________
HEAD OF OFFICE OR AUTHORIZED REPRESENTATIVE
(Signature over printed name)
__________________________________
Signature of Applicant over Printed Name
________________________________________________
DESIGNATION
LEFT THUMBMARK OF
APPLICANT
RIGHT THUMBMARK OF
APPLICANT
______________
EMPLOYER
SSS/ GSIS NO.
_______________
AGENCY CODE
______________
BRANCH CODE
PROMISSORY NOTE
For value received, I promise to pay on due date without need of demand to the order of
Pag-IBIG Fund with principal office at the Atrium of Makati, Makati Ave., City of Makati the sum
of Pesos:
(P_______________) Philippine Currency, with the interest rate of 10.75% p. a. for the
duration of the loan.
I hereby waive notice of demand for payment and agree that any legal action, which
may arise in relation to this note, may be instituted in the proper court of Makati City.
Finally, this note shall likewise be subject to the following terms and conditions:
1. The borrower shall pay the amount of Pesos: _______________________________
(P_______________) through payroll deduction over a period of 24 months. In case of
resignation/separation from the employer, suspension from work, leave of absence
without pay, or insufficient monthly net take home pay prior to full payment of this loan,
monthly/full payments should be made directly to the Pag-IBIG Fund office where the
loan was released.
2. Payments are due on or before the ___________________ of the month starting on
_________________________ and 23 succeeding months thereafter.
3. Payments made by the borrower after due date shall be applied in the following order of
priorities: Penalties, interest, and principal.
4. A penalty of 1/2% of any unpaid amount shall be collected from the borrower for every
month of delay.
Signed in the presence of:
_________________________
Witness
(Signature over Printed Name)
_________________________
Witness
(Signature over Printed Name)
5. The borrower shall be considered in default in any of the following cases:
a. Any willful misrepresentation made by the borrower in any of the documents executed in
relation hereto.
b. Failure on the part of the borrower to pay any 3 consecutive monthly amortizations.
c. Failure of the borrower to pay any 3 consecutive monthly membership contributions.
d. Any violation made by the borrower on existing policies, rules, regulations and guidelines of
the Pag-IBIG Fund.
6. In the event of default, the outstanding loan balance, all accumulated interests and penalties
shall become due and demandable. The outstanding obligation shall be deducted from the
Total Accumulated Value (TAV) credited to the borrower at the end of the term of the loan.
However, immediate offsetting of the borrower’s outstanding loan obligation may be effected
upon occurrence of any of the following justifiable reasons and upon validation by the Fund:
Unemployment; total or partial disability, as certified by a duly licensed physician; illness of the
member-borrower or any of his immediate family member; or death of any of his immediate
family members. Under the foregoing instances, the borrower hereby authorizes the Pag-IBIG
Fund to offset the outstanding obligation against his TAV.
7. In case of membership termination prior to full payment of the loan, no claim for provident
benefit shall be paid to the borrower or his beneficiaries until after the full satisfaction of any
amount arising from this note which remains unpaid as of the date of such termination.
8. In case of falsification, misrepresentation or any similar acts committed by the borrower, Pag-
IBIG Fund shall automatically suspend his loan privileges indefinitely. The borrower shall abide
with all the applicable rules and regulations governing this lending program that Pag-IBIG Fund
may promulgate from time to time.
___________________________________
Signature of Applicant over Printed Name
THIS PORTION IS FOR Pag-IBIG FUND USE ONLY
CLAIM/HOUSING LOAN/STL VERIFICATION
PARTICULARS NONE WITH DV/CHECK NO. / APPLICATION NO. DATE FILED / DV NO. VERIFIED DATE
CLAIMS
HOUSING LOAN
MPL
LOAN APPROVAL
LOAN AMOUNT GRANTED INTEREST PREVIOUS LOAN BALANCE LOAN PROCEEDS MONTHLY AMORT
REVIEWED BY DATE APPROVED BY DATE DISAPPROVED BY DATE
THIS FORM CAN BE REPRODUCED. NOT FOR SALE
APPLICATION No.
MEMBER'S PAYROLL BANK ACCOUNT NO.
NAME OF BANK/BRANCH (Where member maintains payroll account)
IN THE EVENT OF THE APPROVAL OF MY APPLICATION FOR MULTI-PURPOSE
LOAN, I HEREBY AUTHORIZE Pag-IBIG FUND TO CREDIT MY LOAN PROCEEDS
THROUGH MY PAYROLL BANK ACCOUNT THAT I HAVE INDICATED ON THE
RIGHT PORTION.
SIGNATURE OF APPLICANT
BANK ADDRESS
2. GUIDELINES AND INSTRUCTIONS
A. Who May File
Any Pag-IBIG member who satisfies the following requirements may apply for a multi-
purpose loan (MPL):
1. The member has made at least 24 monthly contributions.
2. The monthly net take home pay requirement of government employees shall be subject to
the rules and regulations as provided for in the General Appropriations Act (GAA). On the
other hand, the monthly net take home pay of employees working with the private sector
shall be based on their respective company policies, if any.
3. Members with active Fund membership at the time of application with commitment from
both the employee and employer to continuously remit contributions at least for the term
of the loan.
4. For members who have withdrawn their membership contributions due to membership
maturity, the reckoning date of the updated 24 monthly contributions shall be the first
monthly contribution following the month the member qualified to withdraw his Pag-IBIG
contributions.
5. For members who have active contributions under both the Pag-IBIG I and Pag-IBIG II,
the membership contributions under Pag-IBIG II shall be considered to meet the required
24 monthly contributions.
6. A member with an outstanding Pag-IBIG housing loan that is not more than 9 months in
arrears and is not yet cancelled or foreclosed.
7. A member with an outstanding Pag-IBIG housing loan that is more than 9 months in
arrears but is not yet cancelled or foreclosed may be allowed to avail of an MPL, provided
that the purpose of the MPL is to update his/her housing loan arrearages. The MPL
proceeds to be applied to the housing loan arrearages shall be subject to the applicant’s
loan entitlement.
B. How to File
The applicant shall:
1. Secure the Pag-IBIG Multi-Purpose Loan Application Form (MPLAF) from any Pag-IBIG
Fund NCR/Provincial branch.
2. Accomplish 1 copy of the application form.
3. Under PACSVAL/PDDTS releasing, attach photocopy of passbook or Automated Teller
Machine (ATM) card reflecting the account name and bank account number.
4. Submit complete application, together with the required documents to any Pag-IBIG Fund
NCR/Provincial Branch. Processing of loans shall commence only upon submission of
complete documents.
C. Loan Features
1. Loan Amount
The loanable amount shall depend on the number of contributions made, based on the
following schedule:
Number of Contributions Loan Amount
24 to 59 months
60 to 119 months
At least 120 months
Up to 60% of the TAV
Up to 70% of the TAV
Up to 80% of the TAV
2. Interest
The loan shall bear an interest rate of 10.75% p. a. for the duration of the loan.
3. Manner of Release of Loan
The loan proceeds shall be released through a check payable to the borrower or shall be
credited to the borrower’s bank account through the LANDBANK’s Payroll Credit Systems
Validation (PACSVAL) and Philippine Domestic Dollar Transfer System (PDDTS)
facilities, and other similar modes of payment.
However, for MPL used as payment of housing loan arrearages, the check shall be made
payable to Pag-IBIG Fund for the account of the member-borrower.
Unclaimed checks shall be mailed to the member-borrower after 3 days from the
DV/check date
4. Loan Term
The loan shall be paid over a maximum period of 24 months, plus the applicable grace
period of 2 months for local accounts and 5 months for centralized accounts. Centralized
accounts shall refer to employers that prepare the payroll in advance, usually at the
head/central office. All other accounts not falling under the category of centralized
accounts shall be classified as local accounts.
5. Loan Payments
The loan shall be paid in equal monthly amortizations in such amounts as may fully cover
the loan obligation. For Employed Members, payments shall be made thru salary
deduction. For Voluntary Members/Individual Payors, payments shall be made through
any of the following modes: a. Over-the-counter; b. Auto-debit arrangement with banks;
c. Other mode of payment that Pag-IBIG Fund may adopt in the future.
Remittance of MPL amortizations by government and private employers shall commence
on the 3rd
month following the date on the DV/Check for local accounts and on the 6th
month for centralized accounts. It shall be in accordance with the following schedule:
First Character of Employer’s Name Due Date
A to D
E to L
M to Q
R to Z, and Numeral
10th
to 14th
day of the month
15
th
to 19
th
day of the month
20th
to 24th
day of the month
25
th
to end of the month
For Voluntary Members/Individual Payors, payments shall be remitted to the Fund on or
before the 15th
day of each month, beginning on the 3rd
month following the date on the
DV/Check.
A penalty of 1/2% of any unpaid amount shall be charged to the borrower for every month
of delay. However, for borrowers paying their loans through automatic salary deduction,
penalties shall be cancelled/reversed only upon presentation of proof that non-payment
was due to the fault of the employer. The said penalties shall then be charged against the
employer.
The member may fully pay the outstanding balance of the loan prior to loan maturity.
Should any of the following instances arise, the borrower shall pay directly to any Pag-
IBIG Fund office:
a. Separation from employer;
b. Suspension from work;
c. Leave of Absence without pay;
d. Insufficiency of take home pay
In case of separation from employer, the borrower may opt to pay thru his new employer,
after notifying the Fund of his change of employer.
6. Application of Payment
Payments made after the due date shall be applied according to the following order of
priorities:
a. Penalties
b. Interest
c. Principal
D. Loan Renewal
A borrower may renew his MPL upon payment of at least 6 amortizations. The outstanding
balance together with any accumulated interests, penalties and charges shall be deducted
from the proceeds of the new loan. In case of full payment prior to loan maturity, a borrower
shall be allowed to apply for a new loan any time.
CERTIFICATE OF NET PAY
NAME OF BORROWER
For the month of: __________________
Basic Salary ____________
Add: Allowances
________________________ ___________
________________________ ___________
________________________ ___________
________________________ ___________
________________________ ___________
________________________ ___________
Gross Monthly Income ___________
Less: Deductions
________________________ ___________
________________________ ___________
________________________ ___________
________________________ ___________
________________________ ___________
________________________ ___________
Total Deductions ___________
Net Monthly Income ___________
Issued this _______ day of ____________, 20__.
I certify under pain of perjury that the above-
mentioned information is true and correct.
______________________________________________
ACCOUNTANT/DESIGNATED OFFICER`
(Signature over printed name)
I hereby authorize ______________________________,
our Fund Coordinator or Liaison Officer to file my MPL
Application and receive the Pag-IBIG Check in my behalf.
________________________________
Signature of Applicant over Printed Name