Ikaw ba ay myembro o naghuhulog sa Pag-IBIG? Sa episode na ito, alamin kung pwede pa bang ma-access ang mga serbisyo at mapakinabangan ang mga benepisyo mula sa ahensya ngayong nasa Australia ka na.

Sa episode na ito, ipapaliwanag ng finance brokers na sina Vee Perez at Maria Papa ang halaga ng credit score sa pag-aapply ng loan sa mga bangko at lenders sa Australia.

From food and handicrafts to personal care and specialty items, there are many opportunities for Filipino-made products. But before sending any product, how do you know if your business is ready for export? - Mula pagkain at handicrafts hanggang personal care at specialty items, maraming oportunidad para sa mga produktong gawang Pinoy. Pero bago magpadala ng produkto, paano malalaman kung export-ready na ang iyong negosyo?

Whenever there is a typhoon, earthquake, or disaster, we often hear the term “State of Calamity.” But what is it, how is it different from the state of emergency in Australia, and how can we get help from the government? - Tuwing may bagyo, lindol, o sakuna, madalas nating marinig ang “State of Calamity.” Pero ano ito, paano ito iba sa state of emergency sa Australia, at paano makakakuha ng tulong mula sa gobyerno?

In Filipino culture, conversations about death are often avoided. However, despite superstitions and beliefs, Dr Jaime Lopez, a funeral consultant in Sydney, explains why it is important to prepare for one’s passing. - Sa kulturang Pilipino, madalas na iniiwasan ang usapin tungkol sa kamatayan. Ngunit sa kabila ng mga pamahiin at paniniwala, ipinaliwanag ng Dr Jaime Lopez, isang funeral consultant sa Sydney kung bakit mahalagang paghandaan ang sariling pagpanaw.

For many Australians, owning a home is a major goal, but navigating the home loan process can be confusing. Mortgage broker Vee Perez says that understanding your borrowing capacity, credit score, and the different ways to apply for a home loan is crucial for a successful outcome. - Sa episode na ito aalamin natin ang mga hakbang sa pag-aapply ng home loan sa mga bangko at lenders sa Australia. Ibabahagi ng mortgage broker na si Vee Perez and ilang gabay mula sa pag-unawa ng borrowing capacity hanggang sa approval process.

In this episode of "Pano Ba?", we break down what Estate Tax is and how Filipinos overseas can manage their obligations, with tips and guidance from Philippine Tax Whiz Mon Abrea. - Napamanahan ka ba ng lupa, bahay, negosyo at iba pang ari-arian ng isang mahal sa buhay mula sa Pilipinas? Alamin kung ano ang estate tax na kaakibat nito at paano ito asikasuhin sa tulong ng tax expert na si Mon Abrea.

In the digital age, your password is more than just a key to your accounts, it’s the gatekeeper of your personal identity, finances, and private information. Yet studies show that nearly half of Australians still rely on weak or repeated passwords, leaving them vulnerable to hackers and cyberattacks. In this episode, we speak with Cyber Security Specialist Ron Precilla, who shares practical tips on how you can protect your online accounts and stay safe in the digital world. - Paulit-ulit ba ang gamit mong password? Baka isa ka na sa mga tinatarget ng cyber criminals ngayon. Pakinggan ang payo ng Cyber Security Specialist na si Ron Precilla kung paano mapo-protektahan ang iyong mga account online.

Tired of renting? Saved up enough for a deposit and thinking it’s time to buy your own place? Mortgage broker Vee Perez shares practical tips on how to take your first steps into the property market and what you need to know when buying a home in Australia. - Para sa maraming naninirahan sa Australia, isa sa pinakamalaking pangarap ay ang magkaroon ng sariling bahay. Sa isang panayam, ibinahagi ni Vee Perez, isang mortgage broker, ang mga pangunahing dapat malaman ng mga gustong bumili ng bahay dito sa Australia.

Electronic vehicles (EVs) rely heavily on advanced battery technology, which, while efficient, can sometimes pose a fire risk if not handled properly. Here are some effective ways to avoid fires caused by EV batteries. - Sa pagtaas ng paggamit ng electric vehicles (EVs), e-bikes, at e-scooters sa Australia at sa buong mundo, dumarami rin ang insidente ng sunog at aksidente na dulot ng baterya. Ayon sa mga eksperto, mahalagang malaman ang tamang pag-aalaga at pag-iingat upang maiwasan ang panganib.

The Working With Children Check (WWCC) is a vital safeguard for anyone working or volunteering with children in Australia. This guide explains how to apply in NSW, the documents required, and the latest legal reforms designed to strengthen protections and ensure the safety of children nationwide. - Sa episode na ito, pag-uusapan natin ang Working With Children Check o WWCC. Pakinggan ang gabay kung paano mag-apply, ano ang kailangan, at ang mga bagong batas na nagpapalakas ng proteksyon para sa mga bata dito sa Australia.

All Filipinos traveling to and from the Philippines, as well as foreign crew members and passengers, are required to register or update their information in the eTravel System. Here’s a guide to the free application to help avoid some hassles upon arrival at the airport. - Lahat ng Pilipinong bibiyahe palabas at pabalik ng Pilipinas, pati na ang mga dayuhang crew members at pasahero, ay kailangang magrehistro o mag-update ng impormasyon sa eTravel System. Narito ang gabay sa libreng aplikasyon para makaiwas sa ilang hassle pagdating sa airport.

It’s common for people in Australia to have more than one job to meet daily living expenses. But when tax season comes around, it’s important to understand the correct process for declaring income from multiple employers to avoid problems, penalties, or unexpected charges from the ATO (Australian Taxation Office). - Karaniwan sa mga nasa Australia ang may higit sa isang trabaho para mapunan ang pang-araw-araw na gastusin. Ngunit kapag tax season na, mahalagang alam mo ang tamang proseso sa pagdeklara ng kita mula sa maraming employer para maiwasan ang problema, penalties, o biglaang bayarin sa ATO.

If you are working or earning an income, it’s important to know how to file your tax return in Australia to ensure you receive the correct refund or pay the right amount of tax. Hear our guide featuring registered accountants explaining which expenses you can claim. - Kung nagtatrabaho ka o may kita, importante malaman kung pano mag-lodge ng tax return sa Australia para makuha mo ang tamang refund o mabayaran mo ang tamang buwis. Pakinggan ang gabay mua sa ilang registered accountants sa kung ano ang mga gastos na puwede mong i-claim.

Confused about how to use your middle name in Australia? In this episode, Solicitor Tom Baena will share valuable insights and practical guidance on how to navigate naming conventions, helping you avoid potential pitfalls. - Nalilito ka ba kung paano gamitin ang middle name mo sa Australia? Sa episode na ito, ibinahagi ni Solicitor Tom Baena ng mahahalagang kaalaman at praktikal na gabay tungkol sa tamang paggamit ng pangalan sa mga dokumento.

In Australia, debt collection is a regulated process designed to ensure fairness for both creditors and debtors. If you're struggling with debt and dealing with a debt collector, understanding your rights and obligations can help you navigate the situation effectively. - Sa Australia, ang pangongolekta ng utang ay isang reguladong proseso. Kung nahihirapan ka sa pagbabayad ng utang at may kinakaharap kang debt collector, makatutulong na maunawaan ang iyong mga karapatan at responsibilidad upang mas maayos mong malagpasan ang sitwasyon.

Have you ever considered starting a business in the Philippines while you're still based here in Australia? Franchising is a business model that allows you to operate under an established brand—using their name, products, and proven system. Here’s a quick guide from the Philippine Franchise Association to help you get started and earn from this opportunity. - Napag-isipan mo na bang magnegosyo sa Pilipinas habang nandito ka sa Australia? Ang franchising ay isang business model kung saan binibigyan ka ng karapatang gamitin ang pangalan, produkto, at sistema ng isang existing na negosyo. Narito ang mga gabay mula sa Philippine Franchise Association para kumita mula dito.

Australia continues to show strong interest in investing in the Philippines, particularly in the fields of mining and renewable energy. Under the strengthened economic ties between the two countries, Mon Abrea, Chief Tax Advisor of the Asian Consulting Group, identified opportunities for those who wish to invest. - Patuloy na nagpapakita ng matibay na interes sa pag-iinvest sa Pilipinas and Australia, partikular sa larangan ng mining at renewable energy. Sa ilalim ng pinalakas na ugnayang pang-ekonomiya ng dalawang bansa tinukoy ng Chief Tax Advisor ng Asian Consulting Group na si Mon Abrea ang mga oportunidad para sa mga nais mamuhunan.

Have you come across the terms Protection Orders and Restraining Orders? What do they mean, and what legal process does a domestic violence victim undergo after reporting to the authorities? Here’s a guide and explanation from family lawyer Atty. Jesil Cajes. - Narinig mo na ba ang terminong Protection Orders at Restraining Orders? Ano ang mga ito ano ang legal na proseso na pinagdaraanan ng isang biktima ng domestic violence matapos magsumbong sa mga awtoridad. Narito ang gabay at paliwanag mula kay family lawyer Atty. Jesil Cajes.

The elections have kicked off in Australia and the Philippines! In this episode, we’ll discuss the new online voting system for overseas Filipino voters – how to do it, when, and how it differs from the voting process in Australia. - Umarangkada na ang halalan sa Australia at sa Pilipinas! Sa episode na ito, pag-uusapan natin ang bagong online voting system para sa overseas Filipino voters – paano ito gawin, kailan, at ano ang kaibahan sa pagboto sa Australia.