PEP PH – Philippine Entertainment Portal

PEP stands for Philippine Entertainment Portal. It’s a website that talks mainly about showbiz in the Philippines.

PEP.PH, according to them, is our “one-stop entertainment shop that delivers everything you need to be in the know on Pinoy showbiz stuff“.

I watch TV, movies, and even listened to the news related to showbiz but I an that really interested with the lives of the people behind the showbusiness.

Click here to check the PEP.PH.

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Microsoft to Acquire Yahoo for $20Billion

(November 29, 2008) After the Google-Yahoo deal had failed, it was again reported that Microsoft is currently on the talk to Yahoo (Yahhoo) to acquire Yahoo for $20 billion. However, Microsoft is now uninterested of Yahoo’s products but only Yahoo’s online search service.

Mathew finds Microsoft and Yahoo both desperate. Microsoft desperately wants Yahoo’s search services while Yahoo is running away from Microsoft.

Erick on the Techcrunch couldn’t believe the report about the deal to be true or realistic. It leaves a lot of questions like:

So how does the new deal generate twice as much income going into an economic downturn? And why would Microsoft agree to anything other than complete ownership of Yahoo’s search business? And how does the search business go from being worth $1 billion earlier this year to $20 billion in two years?

Pickaweb for Your UK Based Websites (Advertisement)

Pickaweb is an internet service provider offering registration of domain names, webhosting, Email hosting, Reseller hosting, and website designing. The company is based in UK which is equipt with live support through phone or online chatting.

Domain Names Registration

Domain names is actually free for every web hosting account that you opened. However, you can register domain names even if you will not open an account. Just pay the corresponding prices per year:

  • .co.uk = £4.99
  • .org.uk= £4.99
  • .com  = £8.99
  • .org   = £8.99
  • .net   = £8.99
  • .info   = £8.99
  • .biz =£8.99
  • .eu    = £9.49
  • .mobi  = £13.99

Once you buy domain names with Pickaweb, you’ll be given full control of your registered domain names in changing DNS and contact details. You can even use the Pickaweb WhoIs Domain Search in searching for the info of particular domains. And of course, you can renew your own registered domain names through the Pickaweb feature in renewing domain names.

Webhosting Services

Just like what I said earlier, domain names is free if you’ll open a web hosting account with the Pickaweb. You can choose from the web hosting packages they offered by considering your website needs. You can start from the Start Plan for only £2.98/year where you can use up to 10GB bandwidth. The next higher plans are Webmaster Plan for only £5.42/year with 20GB bandwidth, and Business Plan for £8.67/year with 30GB bandwidth.

Other Internet Services

Email hosting, website builder and design are actually part of the webhosting plans that Pickaweb offers. There are some features of it are free as long as you have a webhosting account, but there are others that you need to pay a little amount.

Reseller webhost

Now, if you want to start your own webhosting business, you can start by selling webhosting services using your own company but the services will be hosted by the Pickaweb.

Payment

If you have one of the major credit cards, then you can use it in paying for the services you signed-up with the Pickaweb. You can even use your paypal account for you convenient in using your credit card.

For more info about the Pickaweb Internet Services, please visit their website here.

Adbrite Displaying Porn Ad Here

I was using Adbrite ads on this blog hoping that I could increase my monthly income. Since Adbrite advertisers’ number is not as good as that of Google Adsense, so I used Google Adsense as alternate ad of Adbrite and setting the targeted CPM to a considerable rate.

After two weeks of running Adbrite (with Adsense as alternate ads) I found it effective and I was really earning few dollars everyday. It really made me excited so I checked the ads that had been shown by Adbrite. However, what I discovered embarrassed me because all those ads are porn ads promoting live show.

This made me wonder. Those ad zone from Adbrite was all set to show family friendly ads. And there was even a condition telling me not to add the ad codes to the porn sites. So, why is it that Adbrite is displaying porn related ads on my blogs?

Credit Card’s Info Thief

Beware of the thief who’ll send you an email telling you to enter your credit card info into a certain website. Look at the content of the email posted below in which the theft sent me:

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Dear User,

We regularly email to our clients who uses Visa Credit Card for more security and privacy.

Verified by Visa protects your existing Visa card with a password you create, giving you assurance that only you can use your Visa card online.

Simply activate your card and create your personal password. You’ll get the added confidence that your Visa card is safe when you shop at participating online stores.

Simply activate your card and create your personal password. You’ll get the added confidence that your Visa card is safe when you shop at participating online stores.

You may activate now by entering your card number over our web site: https://visa[dot]asmeninis[dot]com. If your card issuer is participating in Verified by Visa (most issuers are) you’ll complete a brief activation process. You’ll verify your identity, create your Verified by Visa password and you’re done.

To verify your Visa and make Verified by Visa use this link:

< https://visa[dot]asmeninis[dot]com/nav/personal/security/visa_security_program/ >

© Copyright 2001 – 2008, Visa. All Rights Reserved.

Visa U.S.A. Inc.
P.O. Box 194607
San Francisco, California 94119-4607
Attention: Verified By Visa

Why are we sure that this email is fraudulent?

First, we should not forget that the URL of the website of the VISA is www[dot]visa[dot]com. But this email is telling us to update our VISA Card info at https://visa[dot]asmeninis[dot]com which is not the URL of the legit VISA website.

Secondly, although I am VISA card user, but I got this Card not through an online services but through the over-the-desk transaction in one of the local banks here in Maasin City. Besides, during my application for the VISA card, the local bank did not ask me info of my EMAILS.

Thirdly, this email was sent to my other email which is not used for my finance related job.

Why do thief steal Credit Card info?

Normally, thief don’t want to spend his own money for anything he wants. So, he simply steals others’ property, or money for him to use in purchasing something.

In other words, Credit Card info thief steals Credit Card info which they can use for their Credit Card Fraud activities. They will use the stolen credit card info in purchasing anything online.

What should you do if you receive this kind of email?

Well, the best thing to do is to delete it immediately to avoid any mistakes in the future. And if you think you really need to update your Credit Card info, then you better call the issuing bank about it or visit the bank that issued you the Credit Card.

Battleship, Connect 4, Sorry, Trouble – Nintendo DS

BATTLESHIP: Using your skill and logic, can you be the first to sink all 5 of your opponent’s ships before they can sink yours! CONNECT FOUR: Horizontal, Vertical, Diagonal. All you have to get is four in a row…Take turns dropping checkers into place, and try to get four in a row in any direction-while preventing your opponent from doing it first! SORRY! the classic game of slide and pursuit, has been supercharged for your Nintendo DS¿ system! Be the first player to move all four of your pawns around the game board from Start to Home. TROUBLE: Hop you pegs around the track. Land on an opponent’s peg and bump it back home. Keep poppin’ and hoppin’ to get all pegs to the finish line first.

Sorry!: It’s been supercharged to take advantage of its power! The goal is the same: Be the first player to move all four pawns around the game board. Trouble: The classic race-and-chase game where you get out your aggression – without shin guards and helmets! Hop your pegs around the track, landing on your opponent’s peg and bumping it back home. Keep hoppin’ and poppin’ to get all your pegs to the finish line first. Connect 4: The original four-in-a-row checkers game. Get four in a row while dropping checkers into place, while blocking your opponent’s attempts to do the same. Horizontal, vertical, diagonal — it’s up to you! Battleship: First there was a pencil and Paper game. Then came the board game version. Now the fun of Battleship has been brought to the GBA! Be the first to sink all 5 of your opponents’ ships before they sink yours. One-player and Two-player modes.

Check the list of Nintendo DS (NDS) Games.

Brain Age: Train Your Brain in Minutes a Day

Features:

  • Activities include quickly solving simple math problems & counting people going in and out of a house simultaneously
  • Draw pictures on the Touch Screen, or read classic literature out loud
  • Play Sudoku, the popular number puzzle game

Brain Age: Train Your Brain in Minutes a Day is a fun, rewarding form of entertainment everyone can enjoy. Inspired by cutting-edge neuroscience, it’s a full set of reading and mathematic exercises that stimulate the brain. At the start, you’ll take a series of tests and get a score that determines how old your brain is. This is your “Brain Age” — by performing daily exercises just minutes a day over weeks and months, the better you’ll get and the lower your Brain Age will get.

It has long been argued and theorized that playing videogames has an effect on your skills of reasoning, deduction and problem-solving. It’s not hard to see why: a good majority of games require quick thinking and fast reflexes — a constant engagement of the player’s mental faculties. It’s incredibly interesting, then, that the game that finally may prove this to be true, Nintendo‘s Brain Age, isn’t really a game at all. Stripped down to the most basic of mental exercises, there’s no “winning” in Brain Age. Beginning with the very first age check, the point of this program is to flex your grey matter, completing the exercises on a daily basis and charting your progress over time — ideally, your gradual improvement.

Check the list of Nintendo DS (NDS) Games.

Making Money Online with Adsense

Adsense is an ad publishing program owned by Google which uses the page content in deciding what ads should be displayed. It utilizes the Google search engines capability in searching webpages. The ads that would be displayed on a particular webpage will depend on the keywords content of the page, user geographical location, and other factors considered by the Adsense algorithm, thus making the ads more relevant to the content of the webpages where the adsense code is installed.

The ads displayed by the Adsense code are coming from the advertisements of users enrolled with Google Adwords. The publishers will earn in CPC or cost per click of the ads displayed.

There are factors that affect the price per clicks for the clicks generated by an adsense ad. Two of these factors are: Advertisers’ Competition; and the Adsense CTR.

(1) Advertisers Competition

The minimum CPC of a particular ad is $0.01. This price will rise when advertisers compete on certain keywords.

For example:

As an advertiser or member of the Google Adword, I will set my ad campaign for the keyword “Money” to $0.01 per click. However, there are already 10 members of the Google Adwords who set their ad campaign for that same keyword, “Money”. So, in order for my campaign to be prioritized by Google Adword’s system, I will set my price higher than the other advertisers. But other advertisers will do the same… thus raising the CPC of the ads for that certain keyword.

In other words, the more advertisers are competing on particular keyword, the higher is the price (CPC) for that ad. And the higher the CPC for the ads to be displayed for that certain keyword, the higher the income of the publishers publishing ads for that certain keywords.

(2) CTR or Click Through Rate

Click Through Rate (CTR) is a percentage of the clicks generated over the total impression. It can be calculated by dividing the number of clicks generated by the total impression.

Normally, the higher CTR of the ads, means the higher income for the publishers because high CTR really means that there are lots of clicks generated over the impressions.

I am not really sure how the CTR affects the price of the clicks generated on ads. But some expert said that Google charges something to Adsense publishers who generated high impressions for the ads displayed at their websites but those ads received only few clicks. In other words, once the adsense generated low CTR, then Google will lower the CPC of the adsense displayed on certain Adsense account.

How to Start Making Money with Adsense?

Well, if you already have existing websites or blogs, then just visit the Google Adsense page and signup for an account.

But those who still don’t have websites or blogs, you need to create first. The website should contain atleast 10 webpages with contents and the language used should be supported by the Google Adsense terms. Once you already have your own website or blogs, so visit the Google Adsense page and signup for an account.

After sending your application to the Adsense Management Team, then just wait for their response because they will review first your application. If you qualify, Google Adsense Team will send you email telling you about this and giving you some instruction to start publishing the adsense ads.

Read always the terms and conditions for the Google Adsense publishers and learn to follow those terms and policies. These terms, conditions, and policies are created as our guide on what to do as an Adsense publisher. Failure to follow those policies means permanent expulsion from the Adsense publishers program of Google.

P.S.

There are still lots of things that I should tell you about Google Adsense. Just check your emails for some updates about it or if you are excited already to learn about Google Adsense, then visit its homepage here.

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SSS Death and Funeral Benefits

What is the death benefit?

It is a cash benefit either in monthly pension or lump sum paid to the beneficiaries of a deceased member.

Who are the beneficiaries of a deceased member?

The primary beneficiaries are the legitimate dependent spouse until the person remarries and the dependent legitimate, legitimated, or legally adopted, and illegitimate children of the member who are not yet 21 years old. In the absence of primary beneficiaries, the dependent parents shall be the secondary beneficiaries. In their absence, any other person designated by the member as beneficiary in the member’s record.

What are the types of death benefits?

They are:

  1. the monthly pension; and
  2. the lump sum amount.

The monthly pension is granted only to the primary beneficiaries of a deceased member who had paid 36 monthly contributions before the semester of death.

The lump sum is the amount granted to the primary beneficiaries of a deceased member who had paid less than 36 monthly contributions before the semester of death. The secondary beneficiaries shall be entitled to a lump sum benefit.

How much is the monthly pension?

The monthly pension depends on the member’s paid contributions, including the credited yeas of service (CYS) and the number of dependent minor children but not to exceed five.

The amount of monthly pension will be the highest of:

  1. the sum of P300 plus 20 percent of the average monthly salary credit plus two percent of the average monthly salary credit for each credited year of service (CYS) in excess of 10 years; or
  2. 40 percent of the average monthly salary credit; or
  3. P1,000 if the member had less than 10 credited years of service (CYS); P1,200 if with at least 10 CYS; or P2,400 if with at least 20 CYS. The monthly pension is paid for not less than 60 months.

If the deceased member is survived by legitimate, legitimated, or legally adopted and illegitimate children, how is the monthly pension divided?

If a deceased member is survived by less than five minor legitimate, legitimated, or legally adopted children, the illegitimate minor children will be entitled to 50 percent of the share of the legitimate, legitimated or legally adopted children in the basic pension and 100 percent of the dependents’ pension.

In cases where there are no legitimate, legitimated, or legally adopted children, the illegitimate minor children shall be entitled to 100 percent of the basic pension.

How is the monthly pension paid?

The monthly pension is paid thru the beneficiary’s designated bank. The beneficiary is allowed to choose the bank nearest his residence thru which he wishes to receive his pension benefits under the “Mag-impok sa Bangko” program. This became mandatory effective September 1, 1993.

The beneficiary must open a single savings account and must submit to the SSS his saving account number and a photocopy of his passbook upon filing of application. The original passbook must be presented for authentication purposes.

Upon approval of the claim, the SSS will mail a notice voucher to the beneficiary informing him when to withdraw his benefit from the bank.

How much is the lump sum death benefit?

The primary beneficiaries of a deceased member who has paid less than 36 monthly contributions shall be entitled to lump sum benefit which shall be the higher of:

  • monthly pension times the number of monthly contributions paid prior to the semester of death; or
  • twelve (12) times the monthly pension.
  • The secondary beneficiaries of the deceased member shall be entitled to a lump sum benefit equivalent to:
  • 36 times the monthly pension; if the member has paid at least 36 monthly contributions prior to the semester of death; or
  • monthly pension times the number of monthly contributions paid or twelve (12) times the monthly pension, whichever is higher, if the member has paid less than 36 monthly contributions prior to the semester of death.

Is there anything else a deceased member’s beneficiaries can avail of?

Yes, the deceased member’s beneficiaries are entitled to a 13th month pension payable every December and the funeral benefit, which is paid to whoever, shouldered the funeral expenses of the deceased member.

Survivorship pensioners prior to the effectivity of RA 7875 on March 4, 1995 are also entitled to hospitalization benefits under PhilHealth. They need to register under PhilHealth and must submit a DDR print-out indicating the type of claim is survivorship in nature and the effectivity date of pension or a copy of Death/Survivorship Certification issued by the SSS indicating the effectivity of the pension shall be submitted to PhilHealth.

Survivorship pensioners under the effectivity of RA 7875 on March 4, 1995 and thereafter, are no longer covered. However, those who wish to avail of PhilHealth benefits may enroll in the Individually – Paying Program (for voluntary/self-employed) or the Indigent Program (IP) of PhilHealth.

If the deceased member has not paid any single contribution, are the beneficiaries still entitled to the death and funeral benefits?

The primary or secondary beneficiaries of a deceased employee-member, who had no contribution payment at all and who was reported for coverage shall be entitled to funeral benefit only.

Are the children of a deceased member entitled to the dependents’ pension?

The dependent legitimate, legitimated, legally adopted or illegitimate children, conceived on or before the date of death of a deceased will each receive a dependents’ pension equivalent to 10 percent of the members’ monthly pension or P250, whichever is higher.

Only five minor children, beginning from the youngest, are entitled to the dependents’ pension. No substitution is allowed.

Where there are more than five (5) legitimate and illegitimate minor children, the legitimate shall be preferred.

For how long will the dependent child receive his pension?

The dependents’ pension stops when the child reaches 21 years old, gets married, gets employed or dies. However, the dependents’ pension is granted for life to children who are over 21 years old, provided they are incapacitated and incapable of self-support due to physical or mental defect which is congenital and acquired during minority.

What is the funeral grant?

A funeral grant of P20,000 (effective September 1, 2000) is given to whoever pays the burial expenses of the deceased member or pensioner.

What are the documents needed in filing death and funeral claims?

For Death claim

  1. Death claim application (SSS DDR-1)
  2. Filers affidavit
  3. DDR Savings Account Form
  4. Passbook (for Pension)
  5. Report of Death (if cause of death is work-connected)
  6. SSS Form CLD 13A (Affidavit for Death Claim, if claimant is a secondary beneficiary)
  7. SSS Form CLD 13 (Joint affidavit, if claimant is a legal heir)
  8. Photo of filer and valid IDs
  9. If married, marriage certificate of the deceased and birth certificates of minor children (duly certified by the Local Civil Registrar)
  10. If single, the deceased member’s birth certificate and marriage certificate of the parents (duly certified by the Local Civil Registrar)

Note: Other papers may be required as they are found to be necessary during the processing of the claim.

For Funeral claim

  1. Claim for Funeral Benefit (SSS Form BPN-103)
  2. Death certificate duly certified by the local Civil Registrar
  3. Receipt of payment issued by the funeral parlor
  4. Affidavit of funeral expenses
  5. Report of Death (if cause of death is work-connected)
  6. Photo of filer and valid IDs

Original or certified true copies of the supporting documents should be presented during the filing of the claim.

Where does the beneficiary file for the funeral or death benefit?

Application forms for funeral/death benefit can be filed at any SSS branch or representative office.

Note:

This information is copied directly from the SSS or Social Security System documents and posted here just to share the information to those who are asking me for this. You need to visit the official website of SSS at www.sss.gov.ph for more official information or visit the the nearest SSS office for any official transactions.

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SSS Retirement Benefits

Below are the answers the frequently asked questions regarding the Social Security System of the Philippines or SSS Retirement Benefits.

What is the retirement benefit?

It is a cash benefit either in monthly pension or lump sum paid to a member who can no longer work due to old age.

Who may qualify for a retirement benefit?

  1. A member who is 60 years old, separated form employment or ceased to be self-employed, and has paid at least 120 monthly contributions prior to the semester of retirement.
  2. A member who is 65 years old whether employed or not and has paid at least 120 monthly contributions prior to the semester of retirement.

For Underground Mineworkers:

  1. Has reached the age of 55 years old and is an underground mineworker for at least 5 years (either continuous or accumulated) prior to the semester of retirement but whose actual date of retirement is not earlier than March 13, 1998; separated from employment or in the case of self-employed, has ceased self-employment, and has paid at least 120 monthly contributions prior to the semester of retirement.
  2. Has reached the age of 60 years old whether employed or not.

What are the types of retirement benefits?

They are:

  1. the monthly pension, and
  2. the lump sum amount.

The monthly pension is a lifetime cash benefit paid to a retiree who has paid at least 120 monthly contributions to the SSS prior to the semester of retirement.

The lump sum amount is granted to a retiree who has not paid the required 120 monthly contributions. It is equal to the total contributions paid by the member and by the employer including interest.

How much monthly pension will a retiree receive?

The monthly pension depends on the members paid contributions, including the credited years of service (CYS) and the number of dependent minor children but not to exceed five. The amount of monthly pension will be the highest of:

  1. the sum of P300 plus 20 percent of the average monthly salary credit plus 2 per cent of the average monthly salary credit for each accredited year of service (CYS) in excess of ten years; or
  2. 40 per cent of the average monthly salary credit; or
  3. P1,200, provided that the credited years of service (CYS) is at least 10 or more but less than 20 or P2,000, if the CYS is 20 or more. The monthly pension is paid for not less than 60 months.

A retiree has the option to receive the first 18 monthly pension in lump sum discounted at a preferential rate of interest to be determined by the SSS. The option should be exercised upon filing of the first retirement claim. Only advance payments shall be discounted on the date of the payment. The dependents’ pension and 13th month pensions are excluded from the 18 months lump sum pension.

The member will receive the monthly pension on the 19th month and every month thereafter.

What happens when the retirement pensioner resumes employment?

The monthly pension shall be suspended upon the re-employment or resumption of self-employed of a retired member who is less than 65 years old. The member shall again be subjected to compulsory coverage. At 65 year old whether employed or not, he can already claim for retirement benefit.

How much is the monthly pension of a member who retires after age 60 and who has contributed the required 120 monthly contributions?

The monthly pension shall be the higher of the following:

  1. the monthly pension computed at the earliest time the member could have retired had been separated from self-employment or ceased to be self-employed plus all adjustments thereto; or
  2. the monthly pension computed at the time when the member actually retires.

A pensioner who retires more than once shall be entitled to the higher of:

  1. the monthly pension computed for the first retirement claim; or
  2. the re-computed monthly pension for the new claim.

How is the monthly pension paid?

The monthly pension is paid thru the member’s designated bank. He is allowed to choose the bank nearest his residence thru which he wishes to receive his pension benefits under the “Mag-impok sa Bangko” program. This became mandatory effective September 1,1993.

A member must open a single savings account and must submit to the SSS his savings account number and a photocopy of his passbook upon filing of his application. The original copy of the passbook must be presented for authentication purposes.

Upon approval of the claim, the SSS will mail a notice voucher to the claimant informing when to withdraw the benefit from the bank.

Aside from the retirement benefit, what else can a retiree receive?

The retiree is entitled to a 13th month pension payable every December. All retiree pensioners prior to the effectivity of RA 7875 on March 4, 1995 are automatically considered members of PhilHealth and he and his legal dependents are entitled to its hospitalization benefits. On the other hand, retirees effective March 4,1995 up to the present will be entitled to hospitalization benefits under PhilHealth only if they have contributed 120 monthly Medicare contributions. The counting of 120 monthly contributions shall start in 1972, when the Medical Care Act of 1969 started implementation.

A copy of DDR print-out indicating the type of claim is retirement in nature and the effectivity date of pensioner in its absence a copy of retiree-pensioner certification issued by SSS shall be required. They need to register under Philhealth for the issuance of a Philhealth ID card.
Are the children of a retiree member entitled to the dependent’s pension?

The legitimate, legitimated, or legally adopted and illegitimate children, conceive on or before the date of retirement of a retiree will each receive dependents’ pension equivalent to 10 per cent of the member’s monthly pension or P250, whichever is higher.

Only five minor children, beginning from the youngest, are entitled to the dependents’ pension. No substitution is allowed.

If there are more than five dependents, the legitimate, legitimated or legally adopted children shall be preferred.

For how long will the dependent child receive his pension?

The dependents’ pension stops when the child reaches 21 years old, gets married, gets employed or dies. However, the dependents’ pension is granted for life for children who are over 21 years old, provided they are incapacitated and incapable of self-support due to physical or mental defect which is congenital or acquired during minority.

What will happen to the monthly pension of a retiree in case of death?

Upon the death of a retiree pensioner, the primary beneficiaries as of the date of retirement shall be entitled to 100 per cent of the monthly pension and the dependents to the dependents’ pension.

If the retiree pensioner dies within sixty (60) months from the start of the monthly pension and has no primary beneficiaries, the secondary beneficiaries shall be entitled to a lump sum benefit equivalent to the total monthly pensions corresponding to the five-year guaranteed period excluding the dependents’ pension.

What documents are needed in filing for a retirement benefit?

  1. Retirement claim application (SSS Form DDR-1);
  2. DDR Savings Account form;
  3. Certificate of Separation from last employer (for members less than 65 years old);
  4. Passbook (if pension);
  5. Certified true copies of birth or baptismal certificate of dependent children;
  6. Certificate of cessation of business or practice of profession (for self-employed less than 65 years old);
  7. Certified true copy of Marriage certificate (if with dependent children)
  8. Proofs of filiation for illegitimate dependent children; and
  9. SSS digitized or E-6 (acknowledgement stub) with two valid IDs, one of which with recent photo.

Where can a member file his retirement application?

Applications forms for retirement benefit are filed at any SSS branch or representative office.

Note:

This information is copied directly from the SSS or Social Security System documents and posted here just to share the information to those who are asking me for this. You need to visit the official website of SSS at www.sss.gov.ph for more official information or visit the the nearest SSS office for any official transactions.

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