Pinoy Australia Information Forum

> @dvd17 said: > Hi, ano po options on sending your BM things to AU? May similar services ba like balikbayan boxes? you can try seven seas worldwide din, my online quote, different box sizes saka door to door.

Rummy also contributes to emotional intelligence. In competitive play, maintaining composure, reading opponents, managing frustration, and making rational decisions instead of emotional ones are essential. This helps players develop emotional control, empathy, and the ability to handle pressure—key components of emotional intelligence [visit here](https://cardrummy.io/ "visit here"). Over time, this translates into better relationships, more effective communication, and the ability to handle conflicts with maturity and grace.

A Complete Guide to Using the Pag-IBIG Salary Loan Calculator and Finding Your SSS Number Online Managing finances and government loan applications can be overwhelming, especially if you’re a first-time borrower or not fully familiar with the process. Thankfully, TechyKick provides valuable tools and guides to make things easier. Whether you’re looking to apply for a Pag-IBIG multi-purpose loan or trying to retrieve your Social Security System (SSS) number, TechyKick has you covered. This comprehensive guide will walk you through the benefits and steps of using the Pag-IBIG Salary Loan Calculator, as well as how to recover your SSS number quickly and easily online. What Is the Pag-IBIG Salary Loan? The Pag-IBIG Multi-Purpose Loan, commonly referred to as a salary loan, is a financial program offered by the Home Development Mutual Fund (HDMF), or Pag-IBIG Fund, in the Philippines. It is designed to help active members meet short-term financial needs such as medical expenses, home repair, tuition fees, or business capital. The amount you can borrow largely depends on your Total Accumulated Value (TAV), which includes your monthly contributions and dividends earned over time. However, one of the biggest questions applicants have is: How much can I borrow and how much will I pay monthly? That’s where the Pag-IBIG Salary Loan Calculator comes in. What Is the Pag-IBIG Salary Loan Calculator? The Pag-IBIG Salary Loan Calculator provided by TechyKick is an interactive and easy-to-use tool that helps you estimate: How much you are eligible to borrow Monthly repayment amount based on loan term Estimated interest over the loan duration Total amount payable By simply inputting your desired loan amount, interest rate, and repayment period, the calculator automatically displays how much you’ll need to pay each month. This helps you plan your finances better and make informed decisions before submitting your loan application. Key Features of the Calculator User-Friendly Interface: The tool is built for simplicity. No complex formulas or technical jargon—just input and get results instantly. Instant Results: Enter your details, and within seconds, the calculator generates accurate repayment figures. Realistic Projections: It factors in interest and repayment duration so that you know the actual cost of your loan. Accessible Anytime: You can use the calculator online anytime you want without logging in or downloading an app. Who Can Use It? Any Pag-IBIG member planning to apply for a multi-purpose loan can benefit from this tool. It's especially useful for: First-time applicants OFWs planning their finances Employees wanting to check eligibility Members comparing Pag-IBIG loan options with other financial institutions How to Use the Pag-IBIG Salary Loan Calculator Using the calculator is incredibly simple. Here’s a step-by-step process: Visit the TechyKick Page: Go to the Pag-IBIG Salary Loan Calculator page. Enter the Loan Amount: Input the amount you plan to borrow. Select the Term: Choose how many months you want to repay the loan. Interest Rate: The default interest rate is typically set around 10.5% per year. Click Calculate: The calculator will instantly show your monthly amortization, total interest, and total payment. Understanding the Results Let’s say you want to borrow ₱30,000 and repay it over 24 months at an annual interest rate of 10.5%. The calculator will show your estimated monthly payment, which might be around ₱1,400–₱1,500 depending on the exact computation. This helps you determine whether the loan fits within your monthly budget. Pag-IBIG Loan Eligibility Requirements Before using the calculator, ensure you meet the following basic qualifications: Must have at least 24 monthly savings (contributions) Must be an active Pag-IBIG member with at least one contribution within the last six months Has sufficient proof of income (payslip, job contract, etc.) Has no existing Pag-IBIG loan default Required Documents To apply for the loan, prepare the following documents: Valid government-issued ID (e.g., Passport, UMID) Payslips for the last month or certificate of employment with compensation Duly accomplished Multi-Purpose Loan Application Form If employed, the employer must certify your application Where to Apply Once you’ve calculated your potential loan and are ready to proceed, you can submit your application at the nearest Pag-IBIG branch. Some applications may also be completed through your HR department or online portals, depending on your employer’s setup with Pag-IBIG. Fund Disbursement and Repayment Loan approval and release typically take 3–5 working days if all documents are complete. Once approved, you can receive the funds via bank crediting or check. Repayment is usually made through salary deduction or direct bank payment. Why You Should Know Your SSS Number Now let’s shift to another equally important matter: your SSS number. Your SSS number is a critical identifier for accessing government benefits in the Philippines. Whether you’re applying for a loan, claiming benefits, or creating an online account, your SSS number is a must-have. However, it’s not uncommon for people to forget or lose it. Fortunately, TechyKick also offers a helpful guide on [how to know SSS number](https://techykick.com/10-ways-to-find-your-lost-or-forgotten-sss-number/ "how to know SSS number"), especially for those who’ve lost their physical records or never registered online. How to Know SSS Number Online Here are some quick methods outlined on the TechyKick site: Via My.SSS Account: If you’ve registered online, just log in and your SSS number will appear on your profile dashboard. Through Email or Text Inquiry: You can send an email request to the SSS or inquire through their hotline using your full name and date of birth. Check Old Documents: Look for your number in old SSS receipts, payslips, or loan forms. Visit SSS Branch: As a last resort, visit the nearest SSS branch with a valid ID to retrieve your number in person. Having your SSS number accessible is vital for claiming benefits, applying for salary loans, retirement, and more. Make sure you keep a digital and printed copy once you recover it. Final Thoughts TechyKick offers simple yet powerful tools for every Filipino navigating government services. From the Pag-IBIG Salary Loan Calculator that helps you estimate your monthly payments and total loan cost, to detailed guides like how to know SSS number, the platform is built to make your life easier. Whether you’re planning a loan or trying to access your government credentials, a few minutes on TechyKick can save you hours of confusion and stress. Explore the site today and take control of your finances with

> @Tala024 said: > My husband intends to sponsor us through a 482 SE visa, but my 2-year-old daughter is currently in her fourth month of treatment for primary complex. Her pediatrician has informed us that she’s improving and shows no symptoms, though she needs to complete the full six-month course of medication. > > Could this impact her visa application, or is there a possibility it might delay the process? > > Personal opinion, since 482 visa is a temporary visa not covered by Medicare, possible na less strict sila with medical. Though best to complete the remaining months of medication for peace of mind din, kasi mahal ang medical costs in AU.

If you're struggling to land interviews, the issue might not be your skills but how they're presented. Many job seekers in the UAE have seen real results by working with [professional cv writers dubai](https://hirecvwriters.ae/ "professional cv writers dubai") who specialize in crafting resumes that meet regional and employer expectations.

@Cassey trying my luck, gusto ko lang po mag seek advice. I received my LOD na suitable for immigration. Naka indicate po dun yung recent work experience ko-1 year only here in NZ then yung past experience ko in middle east naka lagay din po sa LOD hospital name at kung how long ako ngwork pero meron nakametion na "additional claims were submitted but did not meet ANMAC professional reference assessment requirements" kc po naka blocked ang server ng dati kong hospital hindi sila makareply sa ANMAC using working email ngbigay ng other proof at explanation letter ang nursing charge ko. Ask ko lang po can I claim points sa EOI dun sa middle east ko kahit ganun po ang naka indicate sa LOD ko? Thank you.

Anyone who have tried sending from Bendigo Bank to BPI? How many days po siya usually?

Hello guys! We finally arrived here in Melbourne! :) We are currently and slowly settling down. I just want to ask, are there any filipino arts community or art group here in Melbourne? Your advise would be appreciated! Thank you guys!

Good day po, May experience or alam po ba kayo na courier na pwedi magpadala ng gadgets (cellphones and laptop to be exact)? Thanks in advance sa sasagot ! 🥰

Hello po. May I know if you pushed through with this plan? We're planning to do the same just to get a feel of the area, bawas anxiety rin. Thank you po.

> @batman said: > Who is working in a government office in AU? Are PR allowed to work in government offices or you need to a be an AU citizen? Im working in a QLD govt entity. PR here and permanent role from being a contractor