1. Decide on your business activity

The first step is to identify the type of business you want to start. The UAE’s Department of Economic Development (DED) offers a comprehensive list of over 2,000 permissible business activities. From e-commerce and food services to consulting and trading, the options are diverse. Your chosen activity will determine the type of license required.

2. Choose a business structure

Deciding on the business structure is crucial, as it affects ownership, liabilities, and legal requirements. Common options include:

• Sole proprietorship

• Limited Liability Company (LLC)

• Branch of a foreign company

For expatriates, an LLC is a popular choice due to its ability to have 100% foreign ownership in most activities since recent reforms.

3. Select the right location

The UAE offers two primary options for setting up a business:

Mainland: Provides access to the local UAE market and allows for broader business activities.

Free Zone: Offers tax exemptions, 100% ownership, and simplified processes but limits operations to free zones and international markets unless a distributor is hired.

Research the best option based on your business model and target audience.

4. Obtain necessary licenses

You must apply for a business license based on your activity and location. Common types include:

• Commercial License: For trading activities.

• Professional License: For service-based businesses.

• Industrial License: For manufacturing businesses.

Submit the required documents, including your passport, visa, trade name approval, and tenancy contract (if applicable).

5. Register your business

Once your documents are approved, register your business with the DED or the relevant free zone authority. This step includes reserving a trade name, obtaining initial approval, and paying registration fees.

6. Open a corporate bank account

After business registration, open a corporate bank account in the UAE to manage finances. Choose a bank that offers services aligned with your business needs, such as international transactions, low maintenance fees, or SME-focused banking solutions.

7. Market your business

Launching your business at the start of the year is a great opportunity to align marketing campaigns with the “new year, new beginnings” sentiment. Use social media, partnerships, and promotions to build awareness and attract customers.

Tips for success

Plan your finances: Budget for initial setup costs, including licensing fees, office space, and marketing.

Network: Join UAE-based business groups, attend networking events, and engage with other entrepreneurs to build valuable connections.

Stay compliant: Ensure timely renewals of licenses and permits to avoid penalties.

Leverage support: Utilize government initiatives like the Mohammed Bin Rashid Innovation Fund and Dubai SME programs for financial and advisory support.

The post How to start a small business in the UAE: Legalities and tips for success appeared first on The Global Filipino Magazine.

Key updates for OFWs:

• The minimum Monthly Salary Credit (MSC) for land-based OFW members will rise to ₱8,000, while the maximum MSC is capped at ₱20,000.

• Contributions falling between ₱20,000 and ₱35,000 will be allocated to the Mandatory Provident Fund (MPF), allowing members to grow their funds through investments.

Breakdown of contributions:

• The updated 15% contribution rate applies to the MSC, with OFWs being responsible for the entire amount as voluntary members.

• For instance, an OFW with a declared monthly income of ₱20,000 will now contribute ₱3,000 monthly under the SSS program. Any contributions exceeding ₱20,000 will be directed to the MPF.

ECP inclusion for self-employed members:

Since September 2020, self-employed members, including OFWs, have been included under the Employees’ Compensation Program (ECP), which offers additional protection for work-related contingencies. Employers contribute ₱10 to ₱30 per employee, depending on the MSC, while self-employed members shoulder the ECP contributions themselves.

Guidance for OFWs:

The SSS advises members who have already prepaid their 2025 contributions to settle any shortfalls to comply with the new minimum MSC. Members are encouraged to review their contributions and take advantage of the investment opportunities under the MPF program.

The post SSS contribution hike affects OFWs: What you need to know appeared first on The Global Filipino Magazine.

Confirm your eligibility

• You must be an active OFW with a valid work visa or employment contract.
  
• If you are an undocumented worker or no longer under an employer’s sponsorship, consult the Philippine Overseas Labor Office (POLO) for guidance.

Prepare the required documents

Ensure you have the following:

• Valid Passport (original and photocopy).

• UAE Residence Visa (showing employment status, original, and photocopy).

• Employment Contract (authenticated by POLO or UAE authorities, if applicable).

• Recent Passport-Size Photo (1-2 copies).

Payment for membership renewal

The OWWA membership fee is USD 25 (approx. AED 92, depending on the exchange rate). This can be paid online or at designated locations.

Visit a POLO-OWWA Office

There are two main POLO-OWWA offices in the UAE:

• Philippine Consulate General in Dubai

• Philippine Embassy in Abu Dhabi

Steps at POLO-OWWA office:

• Visit the POLO-OWWA office nearest you.

• Request an OWWA membership renewal form.

• Fill out the form completely and attach your supporting documents.

• Submit the form and documents for verification.

• Pay the membership fee at the designated counter.

Online renewal option

If you cannot visit the office in person, you can renew online:

Steps for Online Renewal:

• Visit the OWWA Mobile App (available for iOS and Android).

• Create an account or log in if you already have one.

• Select the Renew Membership option.

• Upload scanned copies of the required documents.

• Proceed to payment via:

• Debit/Credit Card

• Online Banking

• Other authorized online payment methods.

Wait for confirmation

After payment, you will receive a confirmation email or message regarding your updated membership status. You can also verify your membership status through the OWWA Mobile App.

Receive your official receipt

Ensure you receive an official receipt for your payment, whether online or in-person, as proof of your renewed membership.

The post Step-by-step guide to renew your OWWA membership in the UAE appeared first on The Global Filipino Magazine.

Key details on online voting

Filipino overseas voters, specifically those registered at one of the 76 designated posts facilitating online voting, can participate in electing Senators and Party-List Representatives during the 30-day overseas voting period from April 13 to May 12, 2025. The voting will close at 3:00 P.M. UAE Time (7:00 P.M. Philippine Standard Time) on May 12.

To participate, voters must pre-enroll via the COMELEC Voting Portal, which opens on February 27, 2025, and runs until May 12, 2025, before the closing of polls.

What is online voting?

Online voting allows voters to cast their ballots through the Online Voting and Counting System (OVCS), using any internet-connected device, such as smartphones, laptops, desktops, or tablets, regardless of the operating system. The OVCS is also accessible via standard web browsers like Chrome, Firefox, Safari, or Edge.

For voters facing technological challenges or difficulties, the consulate will provide OVCS kiosks on-site, allowing voters to cast their votes in person from April 13 to May 12 during embassy working hours.

Pre-enrollment process

To participate, overseas voters must follow these steps:

Access the COMELEC Voting Portal and click the “register to vote” link.

Fill out the required forms and complete the identification process by submitting front and back images of a valid ID and performing a live photo capture.

After validation, voters will receive a confirmation to access the voting portal during the official voting period.

Test voting & actual voting

COMELEC will offer a test voting platform to help voters familiarize themselves with the process, using test credentials and email/mobile access. When the voting period begins, voters will use the actual voting website to cast their official votes.

This groundbreaking move, in line with Republic Act No. 9189 as amended by Republic Act No. 10590, is expected to significantly increase voter turnout among OFWs by providing more convenient voting methods.

The post Filipinos abroad can vote online for the first time in 2025 elections: Enrollment begins February appeared first on The Global Filipino Magazine.

What is the Golden Visa for educators?

The Golden Visa offers a renewable 10-year residency for qualified educators, allowing them to live and work in Dubai while also sponsoring their family members. This visa is part of an initiative to attract and retain top talent in the education sector.

Who is eligible for the Golden Visa?

Educators from various levels of education in Dubai may be eligible based on their achievements and contributions to raising educational standards. The eligible groups include:

• Principals and leaders of private schools

• Managers of private early childhood centers (ECCs)

• Academic heads of higher education institutions licensed by KHDA

• Teachers from private schools and ECCs in Dubai

• Full-time faculty members at KHDA-licensed higher education institutions

Eligibility is determined by factors such as academic achievements, innovation in education, and contributions to student success.

Key steps to apply for a Golden Visa

1. Nomination by Your Institution

The first step to securing a Golden Visa is being nominated by your school or university. Here’s how the process works:

Talk to your institution’s head: Express your interest in applying for a Golden Visa. They will assess your eligibility and, if you meet the criteria, submit your nomination to the KHDA.

Prepare supporting documents: Depending on your role (teacher, principal, or academic head), you’ll need to submit documents such as award certificates, testimonials, evidence of community work, and proof of student success.

2. Internal and KHDA Review

Once your nomination is submitted:

Internal review: Your institution will form a review committee to ensure you meet the Golden Visa requirements.

KHDA submission: If approved by your institution, your application will be submitted to the KHDA for review through their online platform.

KHDA review: The KHDA will evaluate your application and inform you of the outcome.

3. Apply for the Visa

Once your nomination is approved:

Submit your visa application: You will receive instructions on how to apply for the Golden Visa through the General Directorate of Residency and Foreigners Affairs (GDRFA) in Dubai.

Cover visa costs: Unless your institution agrees to cover the cost, you will be responsible for the visa fees.

Wait for processing: The visa application process typically takes around 45 working days after all required documents are submitted.

Eligibility Criteria for Principals, ECC Managers, and Academic Heads

For leadership roles in education, the criteria include:

• Holding an advanced degree (e.g., PhD, professional doctorate, or master’s).

• Demonstrating improvements in your institution’s rating, maintaining a “Good” or higher rating.

• Contributions to research, student success, and community initiatives.

Eligibility Criteria for Teachers and Faculty Members

• Teachers and faculty members need to meet the following:

• Holding advanced degrees or relevant qualifications.

• Demonstrating professional excellence through student success and positive feedback.

• Contributing to research and supporting key student groups, such as Emirati students and students of determination.

• Receiving national or international recognition through awards.

Required documents

To support your application, you may need to submit:

KHDA school rating reports (for principals).

Award certificates and research publications.

Testimonials from students, parents, and staff.

Evidence of community involvement and improved student outcomes.

Recommendation letters from the board of governors.

When can you apply?

The application process opens on October 15, 2024, with schools and universities able to nominate eligible educators. Nominations will be accepted from mid-October until mid-December each year, providing a window for teachers and academic leaders to apply.

By following these steps and ensuring that you meet the eligibility criteria, you can secure the prestigious Golden Visa and enjoy the benefits of long-term residency in Dubai.

Disclaimer: The information in this article is sourced from Gulf News and is subject to updates from the relevant authorities.

The post How Dubai educators can secure a 10-year Golden Visa starting this October appeared first on The Global Filipino Magazine.

For this election, OFWs can vote in two specific categories: Senators and Party-List Representatives, ensuring representation for Filipinos abroad in shaping the future of the country.

This privilege for overseas Filipinos is based on Republic Act No. 9189, as amended by Republic Act No. 10590, which allows Filipinos abroad to cast their ballots in national elections. Although new voter registration closed on September 30, 2024, those who are already registered as overseas voters will be able to participate in the 2025 elections.

A notable change for the 2025 elections is the adoption of internet voting, which is expected to significantly increase voter accessibility and turnout. The Commission on Elections (COMELEC) has expressed optimism that this innovation will allow more overseas voters to participate easily, without needing to visit embassies or consulates. According to reports, a successful internet voting test was conducted in 2023, paving the way for this method to be implemented in 2025

COMELEC also shared that the convenience of internet voting is particularly vital for OFWs who are spread across different time zones and remote locations, allowing them to participate without any logistical challenges. This modernization is aimed at enhancing democratic participation among Filipinos living abroad​.

If you’re a registered overseas voter, make sure your registration is still active and stay tuned for specific instructions from your local Philippine consulate or embassy regarding the voting process. Internet voting instructions and other election-related updates will be provided through official channels leading up to the election.

For those based in the UAE, here are the details of the nearest Philippine diplomatic offices:

Philippine Consulate General in Dubai: Villa No. 234-851, Beirut Street, Al Qusais 3, Dubai, UAE.

Philippine Embassy in Abu Dhabi: Embassy of the Republic of the Philippines, Al Bateen, Street No. 8, Villa No. 8, Abu Dhabi, UAE.

The post How overseas Filipinos can vote in the 2025 Philippine elections appeared first on The Global Filipino Magazine.

Hala, a joint venture between Dubai’s Roads and Transport Authority (RTA) and Careem, has launched this service to enhance the passenger experience. Hala CEO Khaled Nuseibeh stated, “WhatsApp allows us to reach a wider audience and engage with its large user base in the city.” This 24/7 service offers a simple way to hail a taxi, without needing to use any apps.

Here’s how you can book a taxi on WhatsApp in just a few steps:

Step-by-Step Guide to Book a Taxi on WhatsApp:
Start a Chat: Message ‘Hi’ to 800 HALATAXI (4252 8294). This will initiate the booking process with Hala’s automated chatbot.

Provide Location: The chatbot will ask for your current location to assign a nearby taxi.

Confirmation: You will receive a booking confirmation, including details about the driver (captain) and the estimated time of arrival.

Real-Time Updates: Once booked, you will receive real-time updates, including a live tracking link, so you can monitor the status of your taxi.

Share Journey: The tracking link can be shared with friends or family, allowing them to follow your journey for added safety and convenience.

Payment: When you reach your destination, you can pay by card or cash.

With 24,000 drivers and a fleet of 12,000 cars, Hala continues to innovate the way Dubai residents and visitors move around the city, offering both WhatsApp bookings and their traditional Careem app option.

The post No app needed: How to book a taxi in Dubai via WhatsApp with Hala appeared first on The Global Filipino Magazine.

1. Freelancing Online

Leverage your skills in fields like graphic design, writing, virtual assistance, or programming to offer freelance services on platforms like Upwork, Fiverr, or Freelancer. Attract clients searching for your specific expertise.

2. Content Creation and Affiliate Marketing

Starting a blog around a niche you’re passionate about, such as travel, cooking, or finance, can be a lucrative venture. Once your blog gains traction, you can monetize it through affiliate marketing, where you earn a commission for promoting products or services.

Follow popular OFW content creators like Engr. Loyd Arago, Rechel in Dubai, John the Raket Engineer to learn more.

3. Online Selling

Tap into e-commerce by selling products online. Whether it’s Filipino goods, handmade crafts, or dropshipping products, you can create a store on platforms like Amazon, Shopee, Lazada, or even your own website. Advertise by promoting on social media where you can ask your friends and even some famous influencers to support you.

 4. Starting a YouTube Channel

Create a YouTube channel focused on topics you’re knowledgeable about, such as life as an OFW, cooking tutorials, or financial advice. Use SEO strategies like keyword optimization in your video titles, descriptions, and tags to reach a wider audience. Consider using phrases like “OFW life abroad” or “easy Filipino recipes” to attract viewers.

 5. Refer a friend to Taptap Send

One of the easiest ways to earn extra cash as an OFW is by taking advantage of the referral fees offered by top remittance app Taptap Send. This remittance service allows you to send money to the Philippines easily through GCash and other banks, with zero fees and great exchange rates.

Through their refer-a-friend program, you can earn 40 AED with every successful referral so you can earn cash really fast just by inviting friends and family to use the service.  Each time someone signs up using your promo code and makes their first transaction, both you and your friend receive a bonus.  Share your promo code on social media, OFW forums, or your blog, using SEO-friendly phrases like “best remittance service for OFWs” or “low-fee money transfers to the Philippines” to increase visibility.

About Taptap Send

Taptap Send is an international remittance service that enables people to send money quickly and affordably to their loved ones back home. With a user-friendly app and competitive rates, Taptap Send is revolutionizing the way money is transferred across borders. The service is currently available in over 20 countries and continues to expand its footprint globally.

Taptap Send (DIFC) Limited is authorized and regulated by the Dubai Financial Services Authority (DFSA) for the provision of money services. Address: Unit GA-00-SZ-L1-RT-208, Gate Avenue, DIFC, UAE

The post Top 5 tips to earn extra income for OFWs appeared first on The Global Filipino Magazine.

Pinas Cargo, a leading Dubai-based cargo company, has shared its cut-off schedule for sea cargo shipments to ensure your balikbayan boxes arrive before Christmas. Here’s the cut-off schedule you need to keep in mind:

• Manila Areas: Cut-off on or before October 10, 2024 (Estimated delivery by December 20, 2024)

• Luzon Areas (except inter-islands): Cut-off on or before October 5, 2024 (Estimated delivery by December 20, 2024)

• Visayas, Mindanao, & Luzon Inter-Islands: Cut-off on or before September 10, 2024 (Estimated delivery by December 20, 2024)
  Prohibited Items in Balikbayan Boxes

When sending balikbayan boxes, it’s essential to avoid including prohibited items such as illegal drugs, firearms, flammable materials, pornographic content, counterfeit goods, pirated media, endangered species, perishable foods, excessive alcohol and tobacco, and large amounts of undeclared currency. Adhering to these guidelines helps prevent legal issues and ensures the safe arrival of your boxes.

Dos and don’ts when sending balikbayan boxes

Dos: Check the list of prohibited items, pack your items securely, label your box clearly, declare the value of your items, keep an inventory, seal your box properly, and use reputable shipping companies.

Don’ts: Avoid overpacking your box, sending prohibited items, including excessive quantities of certain goods, shipping expired food products, using unmarked boxes, including sharp objects without proper packing, and mixing perishable with non-perishable items.

The post When should you ship your balikbayan box to ensure it arrives before Christmas? appeared first on The Global Filipino Magazine.

Under these regulations, if you receive an unsolicited call, you can report it to the appropriate authority. For instance, calls related to banking should be reported to the Central Bank, while those concerning investments should go to the Securities and Commodities Authority (SCA). If the caller uses a personal mobile number for marketing purposes, the complaint should be directed to the Telecommunications and Digital Government Regulatory Authority (TDRA). “If someone is using their personal mobile number to call you to market their goods, then you have to report to TDRA,” explained Mohammad Al Ramsi, deputy director-general of the telecommunications sector at TDRA.

To make it easier, you can report violators using a simple SMS. Just type “REPORT” followed by the phone number (e.g., “REPORT 05XXXXXXX”) and send it to 1012.

The new rules also restrict telemarketers from calling outside the hours of 9 am to 6 pm and prevent them from calling the same person multiple times a day. Companies must obtain prior approval for telemarketing activities and provide comprehensive training to their marketers. Failure to comply with these regulations can result in fines ranging from AED 5,000 to AED 150,000, depending on the violation’s nature and frequency.

Khalid Al Mahmoud, director of the Licensing Department at the SCA, encouraged consumers to report unsolicited calls directly on the SCA’s website or via email. “Penalties will be applied if there is a breach of the law,” he said.

These measures are part of the UAE’s efforts to protect consumer privacy and reduce the nuisance of cold calls. The Ministry of Economy is also overseeing the “do-not-call registry” (DNCR), a tool to ensure that residents who opt out do not receive telemarketing calls. Safeya Hashem Al Safi, acting assistant undersecretary for the commercial control and governance sector at the Ministry of Economy, emphasized, “We aim to prevent bothersome marketing calls and ensure companies follow proper guidelines.”

So, if you’re tired of receiving cold calls, know that the UAE government has put in place clear steps to help protect your privacy and peace of mind.

The post Did you know you can now file complaints against unwanted cold calls in the UAE? appeared first on The Global Filipino Magazine.