When Can a Member Withdraw the Savings in HDMF

If there’s a time for planting seeds and waiting the seedlings to grow as matured plants or trees bearing fruits and seeds, there’s also a season of harvesting its fruits and seeds in which we can sow again or share and invest to others.

But in the case of a member of who has savings (compulsory or voluntary) with Pag-IBIG, a member may withdraw his/her total Pag-IBIG savings (provident benefits claim) upon occurrence of any of the following:

  1.  Membership maturity after 20 years of continuous membership. The member must have remitted at least 240 monthly membership contributions with the Fund.
  2. Members who registered in 2010, under RS 9679 has the option to withdraw their savings after 15 years of continuous membership.
  3. Retirement. The member shall be compulsorily retired upon reaching age 65. He may however, opt to retire upon the occurrence of any of the following:  – Actual retirement from the SSS, the GSIS or a separate employer provident/retirement plan, provided the member is least 45 years.  – Upon reaching age 60.
  4. Permanent and Total Disability or Insanity.
  5. Separation from the service due to health reason.
  6. Permanent departure from the country.
  7. Upon death of the member, where his legal heirs shall receive his TAV plus an additional Death Benefit Grant equivalent to this TAV or P6,000, whichever is lower.

SOURCE: http://www.pagibigfund.gov.ph/faqpdf/Provident%20Savings%20FAQs[August%202014].pdf / http://www.pagibigfund.gov.ph/home_pdf/RA9679.pdf

GET A DIFFERENT HIGH WITH SANTÉ BARLEY GRASS!

Sole distributor of pure and organic wellness products in the Philippines, Santé International, Inc., proves it only takes a small capital and a determined initiative to sustain your health and improve one’s wealth.

Many of its successful distributors nationwide who just purchased the Santé Pure Barley Pack worth P3,998 are now all thinking of continuously increasing their monthly earnings or eyeing a well-off early retirement.

One high-flier who confessed growing up in difficult life, ran away from home at a young age of 14 and experienced severe hunger, danger and depression on the street recalls how Santé changed his points of view.

Nagbago po ang lahat ng makilala ko ang Sante. Bumuti po ang aking paggawi, gumanda ang aking pananaw sa buhay at nagsimula po ulit akong mangarap. Katulad ng Santé gusto ko rin makatulong sa iba na nawawalan ng pag-asa. Salamat po talaga!” exclaims grateful Joel V. Luyong, a member of the company’s Executive Millionaires Circle (EMC).

“We believe that true leadership and accomplishment entail helping others achieve their own hopes and aspirations,” says Jesus Joey Marcelo, Chief Executive Officer of Santé International, Inc.

The successful direct marketing company boosts its members’ entrepreneurial spirit through business development classes, leadership trainings and teamwork enhancement initiatives. Through these efforts, Santé is confident that its people are well-trained to use and market their products.

“Confidence comes from discipline and training. I gained mine from Sante,” declares Jonathan D. Ledesma, a proud member of EMC. 

Start easy

To be part of Santé, one needs immersion by using its exceptional products and experience the health benefits it can give through the Pure Barley Pack. Next is to make a name list of those whom you want to share the goodness of barley with, either sick relatives or health-conscious friends.

“So far, these (Santé products) are the most saleable products that I have ever marketed,” exclaims Leonardo G. Atlas, Jr., a member of EMC who also serve as mentor for new stakeholders. “I am living my dreams and not just living my life, now that Im with Sante.”

Because of Santé’s strong business plan, future members will not worry attaining the similar success of the early starters.

There are at least 5 ways by which a Sante distributor can earn bonuses from their own purchases, their downlines, and their downlines’ purchases.

How do members get their commissions? “In three convenient ways: wire transfer, commission checks and e-money or League Wallet,” explains Paul Caluag, Director for Network Development of Santé International, Inc.

Once a distributor, members will have their personal business website to manage their dealings and transactions; AirLoad Distributorship to sell almost all kinds of load for mobile phones, online games and Internet usage; and various discounts for scholarship, training and hotel certificates.

On top of these, members who show dedication and excellence in marketing may avail of the car allowance program and an internal promo called “Byaheng Milyonaryo,” a free travel package to Asia, Europe or North America.

Aspiring members who live outside Manila may visit any of the 89 Santé branches that are widely distributed in many areas nationwide.

Indeed, there are many competitive direct marketing companies in the country, but not all members can see the principle of security, effectiveness of product, compensation package and technology to do business and eventually succeed.

This is also the reason why “Kuya” Kim Atienza only chooses Santé to support his everyday life being a television host, weatherman and sportsman. “Santé is not only a network marketing company, the potency of its products care for its people and the community,” enounces Atienza.

For more about Santé International, Inc., visit www.santebarley.com.