Why the Silver Fern Visa is the best pathway today


Due to the recent changes to the Skilled Migrant Category (SMC), the Silver Fern Visa is perhaps the quickest pathway to enter New Zealand and gain a visa to allow you to legally look for a job, provided you have the skills that the country wants.

This visa targets the 28-35 age group, which I believe is the perfect time to hit the “reset” button to one’s career. If you come too early, you might not have the necessary skillset and experience. If you come too late, then the opportunity for you to pivot and adapt to a different career or industry historically lessens as you approach middle age.

The average processing time of this visa is around 25 days, wherein you will provide evidence of your health, character, qualifications and work experience. This is relatively fast compared to the conventional path of the SMC which has around a one year wait before you could even set foot to the country.

Once you are issued with a Silver Fern Visa, you are now given 9 months to look for the skilled job that matches your experience and qualifications. If all the stars align and you get a job offer, you can eventually lodge your residence onshore, which again will be easier and faster than doing it offshore. The new threshold of 160 points is already unreachable for most people, at least with a Silver Fern you are inside the country, be able to earn NZ dollars and can begin to explore your options. Some Filipinos go through the long and complicated process of SMC only to find out once they are here, they cannot find a job in their profession.

For me, the advantage of going through this process is you get to enter the country relatively quickly, throw your hat in the ring and be able to gauge yourself against the New Zealand job market without spending a lot of money. (Read related: The truth about student visas) This is also different from the working holiday visa as you are not limited to only 3 months work.

I would say once you hit the 6th month of your visa, you will already be able to tell if New Zealand is really for you and your family. You will be exposed to the climate, housing, and culture to the level that ordinary tourists wouldn’t. What some smart Filipinos do is to file a long leave with their existing company in the Philippines (if you can) to mitigate the risks of failing to land a skilled job. Sabi nila, at least may Plan B at babalikan ka pa.

In the end, there is no point staying in a country if you cannot gain long-term employment that will pay for your needs and wants, so the Silver Fern is just the perfect avenue to put yourself in that position. If you return to the Philippines after your trip, you can treat it as a reconnaissance mission and possibly try again later using a different pathway. But it is not a losing cause – you gain more knowledge about the country because there are some stuff you will only find out once you are physically here instead of only reading about it on the internet.

Interested? Make sure you apply using fast broadband internet as visa applications open online on November 3 at 5am Manila Time (10am NZ Time). Have your Visa/Mastercard credit/debit card ready for around a P10,140 peso swipe (subject to change). The 300 slots are filled within seconds.

Addendum: For restricted occupations like nurses, you need to secure New Zealand registration first BEFORE applying for this visa.

Implications of latest policy changes

Last October 11, Immigration New Zealand implemented radical changes to the Skilled Migrant Category, Parent Category and the way it evaluates its English Language requirements. If you have been invited to apply prior to this date, the old rules will still apply to you. If not and interested to apply for residency, read on to learn how this affects you.

The biggest change is the selection of EOIs of only 160 points or more, which was raised from the previous 140 points. What this means is essentially pulling the plug on the residence hope of most international students, which had been flooding the New Zealand job market in recent years. Everybody saw this coming when Immigration Minister Michael Woodhouse said this on live TV. From a policy standpoint, what I see the NZ government is doing is essentially raising the bar for its skilled intake and only allowing immigrants who will not only pay more in tax money than the average Kiwi, but not compete with the locals for low to medium skilled labour. There is also mounting political pressure to decongest Auckland due to the housing crisis.

This is a profile of an individual or family with above 160 points:

  • 10 years or more of work experience in an area of government identified shortage
  • A recognised graduate or post graduate qualification related to the above
  • A skilled New Zealand job offer outside of Auckland (annual salary of 70k or above would indicate the level of skill)
  • Perhaps a partner who also works and passes the English requirement

If you fall to the above criteria then I don’t see any problem gaining residence if the paperwork is right. If you don’t, the only way around it would be to gain more experience in a comparative labour market, or gain higher qualifications. I will discuss this later on a separate article.

As for the English language requirement, Immigration NZ from October 12 would only accept IELTS score of 6.5 above on all bands (nurses and other professions might need higher) – reading, speaking, writing and listening. They’ve also added other alternatives like TOEFL and similar English tests. When I applied for residency eight years ago, I only presented my certificate of medium of instruction from UP Diliman. This has changed.

Frankly if you fall in the profile I mentioned above, I don’t see anyone not getting this score. I would recommend taking this test before lodging your EOI. You can review and retake it in case you fail to reach the minimum points. Please note there is an expiry of these certifications so time it accordingly.

For stopping the parent category, it is quite understandable from the position of the NZ government as most of these older folks coming into NZ contribute nothing economically and puts a serious strain to the public health system. Family reunification has been one of the values of Kiwi society but the current economic climate warrants this temporary halt.






How to enter New Zealand as a Filipino


Since I started this blog, I have been asked several times about the different pathways to legally enter New Zealand. I would like to begin that all information is on the official immigration website and what I will enumerate is a mere summary of the most common pathways that Filipinos take to START living and working in New Zealand. Please note that this is not immigration advice but a bird’s eyeview of the NZ immigration system as of this date, and is subject to change anytime.

1. Skilled Migrant Category Residence Visa

This is the “ultimate end goal” among Filipinos 55 years old and under, wanting to live and work in New Zealand. It works on a points-based system based on your age, qualifications, work experience and skilled job offer. It goes without saying that you must be healthy, have no criminal convictions and fluent in English. This is a process that normally takes anywhere between 1-2 years from Expression of Interest to the stamping of your resident visa on your passport.

2. Essential Skills Work Visa

If you have the skills that New Zealand needs and your employer proves to immigration that no kiwi is available to do the job then you might be entitled to get this visa. You will undergo a process called “labour market testing” except for accredited employers authorised by immigration. Karamihan sa mga kababayan natin na nagtatrabaho sa Christchurch rebuild ay ito ang way of entry.

3. Student Visa

Contrary to what immigration advisers might say, this is the most expensive and riskiest visa to take as I explained before.  This is the option most Filipinos presently take if they don’t qualify for the points threshold of a Resident Visa. It allows you to work part time for 20 hours every week and full-time during school breaks. With this visa, you take a course to study and depending on the level you MIGHT be eligible for a Post Study Work Visa to allow you to stay in the country and look for work. But make sure you have loads of money upwards of 1 million pesos (that you might not recoup) if you decide to take this route.

4. Silver Fern Job Search Visa

For highly skilled young people (20-35 years old) wanting to come in and look for work. There is a quota of 300 slots each year so you have to get in quick. This is a better option than entering via Student Visa in my opinion.

5. Working Holiday Visa

A recent new visa for Filipinos, aged 18-30 to allow you to work 3 months for a single employer. For this reason, this is a good option only if your primary reason is tour and see the country. Nonetheless, it allows you to enter the country and legally seek work.

6. Work Visa based on partnership

Take note there is no fiance visa like in the US. A certificate of marriage wouldn’t suffice either. Ideally, you have to be living with your partner (can be a same boy or a girl) for 12 months or more before applying for this visa, and there are enough documents to prove financial interdependence (e.g. joint bank accounts, tenancy agreement, etc.) to be eligible for this visa. So searching dating sites for a kiwi boyfriend or girlfriend is a no go.

7. Visitor Visa

There are some incredible stories from Filipinos who were on a visitor visa but were able to get a job and permanent residence but these are VERY RARE, usually coming from the older crowd who arrived pre-2000. Still, getting a visitor visa is a relatively low risk move to allow you to see the country and possibly meet employers without spending heaps of cash. But at the end of the day, you would still need a work visa as above to sign and take a job offer.

8. Enterpreneur Work Visa

I haven’t met a Filipino who went via this route. In case you’re interested, you need at least $100,000 NZD or 3.5M pesos to invest and start a business here.

There you go. As you can see, there is no one-size-fits-all approach to starting your New Zealand dream. What works for Pedro will not necessarily work for Juan. But in the end, take responsibility for your own actions and not play the “victim card” when things don’t go your way. Do your own research that applies to your own situation and take that calculated risk.

Tips on how to ace your Kiwi interviews


When you are called for an interview, your chances of nailing the job is now down to usually 3 people, instead of the common 200 to 1 odds of being shortlisted.

Preparation is utmost importance, as it is a make-or-break situation, where you can showcase your communication skills and other qualities that make you the “right fit” for the role. Being on both sides of the hiring fence (interviewer and interviewee) in the past, here are my tips to ace an interview in a New Zealand context:

  1. Come to the interview fresh by scouting the location a day or two beforehand as you don’t want to be rushing to the company’s office the last minute. Instead, arrive at least 15 minutes early to allow you to relax and settle.
  2. It is usually advised to come in “smart casual” attire but this entirely depends on the type of role you are applying. I would say it is better to be overdressed than underdressed for an interview. Personally, I’ve always wore business attire in all my interviews.
  3. Most Kiwi interviews begin with usual pleasantries to break the ice. Common starter questions would be to ask you how your weekend was, the weather, etc. This would be a good opportunity to discuss your knowledge of Kiwi culture – try to steer the conversation to the last All Blacks game or current New Zealand events. Remember it is important to give an image that you are one of them, rather than be seen as a foreigner or outsider.
  4. Kiwi employers are known to structure their interviews by asking behavioural questions, as most HR people believe that past action is the best predictor of future action. In answering a question let’s say “Name one moment in your professional career that you faced adversity and tell us how you responded to it” – the way you frame your answer would be using the so-called STAR response technique. First, give a specific Situation, then narrate the Task you set out to do, the Action you did, and finally the give the Result of that action. An example response could be: “Our retail store used to have a difficult customer that wanted to return an expensive purchase. Of course, nobody wants to have an angry customer walk out, more so lose a big sale. I started to ask a series of questions to find out the reasons why he was angry. As it turned out, he actually purchased the wrong product for his specific needs. After recommending a different product, he was happy to shell out a hundred more dollars to get a better product. It was a win-win situation for both parties – a customer walking out happy and a higher sale for the company.”
  5. After the interview, you will then be given an opportunity to ask questions to your potential employer. Use this time to get to know the company beyond what the advertisement says, and also by asking questions you express your genuine interest for the role you are applying for. Example questions could be – how would my performance be measured in this role? If hired, what can I learn from the company? How would you describe the culture of this organisation?

If in the end, you don’t get the job, always extend a thank you note perhaps by email or postal letter for giving you a chance to be interviewed. This kind gesture keeps the door open for future opportunities. There was one occasion wherein I didn’t get the role but because I kept in touch and showed my eagerness, I was considered for a different role in the organisation later on.

The Truth about Student Visas

Due to immigration rules tightening, many Filipinos are now opting to study in New Zealand. In fact, latest official figures showed that the Philippines is leading with a 72% increase of student visa arrivals from the previous year.

It seems that the recent upsurge had been caused by some dodgy agents in the country advertising the student visa as a relatively “easy” pathway or simply by people who jumped on the bandwagon without doing their homework.

Example of a deceptive Filipino consultant advertising their “Study in NZ” services on Facebook

Of course, student visa as an “easy” pathway is very far from the truth. Remember that when you apply for a student visa you sign on a piece of paper that your “statement of purpose” is to study and leave the country when your visa expires.

Immigration NZ nor the NZ government does not promise or guarantee any jobs, more so permanent residency when you decide to go down the student visa path. You are allowed to study, in some cases work part-time, but at the end of the day, the agreement is that you pack your bags once your study is over. This is all written in black and white.

Pero sa hirap ng buhay sa atin, some pinoys do take their chances and hop on a plane to study with a hope of securing work, any work, which in the case of NZ does not apply. This is quite different from the Middle East or Singapore in that if your objective is permanent residency, it has to be skilled work that is in line with your experience and field of study and that New Zealand has a demand for those skills.

In other words, you have to bring something special to the table before they let you in. No Mcdo managers, factory hands, call center agents or kitchen staff because they have plenty of those people already.

They say “no guts, no glory.” And I agree. Despite all the gloom and doom in the global economy nowadays I still think the rewards outweigh the risks in taking such endeavor. But you also need to assess your odds and prepare accordingly to increase your chances of success.

studying in nz

First, the student visa would be the costliest pathway one can take and you need to be financially prepared. Conservatively, you will be spending over 1 million pesos per year in tuition fees and living costs. Remember that no amount of part-time work (limited to 20 hours per week) will be able to sustain yourself in NZ. If you have to borrow this amount of money, it will take years to recoup even if you end up finding a NZ job.

Secondly, you need to choose a field of study that has to be in an area of your specialization already. Case in point – no sense taking a business course when your undergraduate degree is nursing and you are looking for nursing job.

Third and finally, the skills has to be there for you to compete in the present job market. The course that you will study is just an “icing on the cake” that will let you inside the country so you can job hunt. But in the final analysis, the offer will only come if you can truly add value to the company you are applying for. Frankly, how many comes out of college and be able to hit the ground running? Real skills takes several years to develop, and that’s why Kiwi employers value experience over degrees. It is also important to note that less than 15% of Kiwis hold university degrees and this is not necessarily a bad thing. Most of them learned on the job and have worked their way up. Practicality and improvisation is inherent in Kiwi culture and oftentimes classroom “theories” are dismissed. To learn more, read about the term “number 8 wire” and its origins.

Academic achievement is not highly valued here (unlike the UK or US) and that is why I have reservations on recommending the student visa path. But if you have money to burn and game for adventure then taking the plunge is definitely worth it.

Where to settle in New Zealand


When you apply as a Skilled Migrant to New Zealand, one of the questions normally asked by immigration is your choice of destination. This is an important part of the assessment process wherein the case officer measures up your knowledge and familiarity of the region as this is an indicator of your capability to settle.

In recent years, there have been steps to incentivise migration to places outside of Auckland but ultimately, the decision of settlement city will depend on the employment opportunities in your field. For Filipinos, the top three cities is centered on the most populated regions – Auckland, Wellington and Christchurch. For this article, I will breakdown the pros and cons of living in each city, having spent significant time on each.


PROS: 2 million+ population offers greater employment opportunities. Busiest airport offers international connectivity for businesses. Most main offices of NZ companies are based here.

CONS: Housing shortage causing high cost of rent and living expenses. Places too spread apart and poor public transport requires you to buy a car, often one for you and your partner. Crime and burglary are statistically higher.


PROS: Compact city centre, virtually any point is walkable. Average salary is statistically higher. Centre of government where jobs are more stable. More international flavour with cultural events all year round. Bus and train network more reliable.

CONS: One of the windiest cities in the world. Lower population of around 300,000 offers less jobs. Also less choices/range in commercial establishments.


PROS: Earthquake rebuild opens more jobs, albeit temporary, particularly in the construction industry. Canterbury Skill Shortage could be a window of opportunity for some Filipinos. Gateway city to the South Island which is the most picturesque part of New Zealand.

CONS: Snowfall, extreme cold during winter means heating costs are higher. Still experiencing housing shortage due to recent earthquakes. I wouldn’t say it has fully recovered.

Other cities to consider:

HAMILTON: Fastest growing city, one hour drive from Auckland but rents are cheaper.

NEW PLYMOUTH: Highest salaries in the oil and gas industries, currently experiencing positive growth.

QUEENSTOWN: Tourism capital of New Zealand. Particularly attractive for those in the hospitality industry (i.e. chefs)


Why the Working Holiday Visa is nothing more than a money making scheme


In less than 24 hours, 100 places will again open for young Filipinos wanting to stay in New Zealand for 12 months. More information about the requirements can be found here.

There had been recent excitement over New Zealand Immigration offering the Working Holiday Visa to Filipino Citizens and some even claim that this is the “easiest pathway” to New Zealand.

However, it is important to note that this is a TEMPORARY visa and the expectation is that you will RETURN to the Philippines once the visa period ceases.

There are three major caveats with regard to this visa:

  1. The target age group of this visa of 18-30 years old is also the group of people with the highest unemployment rate in the country. Government estimates 20% or 1 out of 5 young kiwis have no jobs. Being allowed to work is one thing but actually securing work is another thing.
  2. Part-time, fixed-term work is hard to find. Usually 3 months temporary work can be found in far-flung farms doing fruit-picking and other labour intensive jobs. Not only is it back breaking work, but it is usually paid minimum wage of $14.75 per hour (or $12 after tax) that is not enough to sustain your living costs here.
  3. Immigration requires that you need to have $4,200 to meet your living costs. But as above, if you are unable to find a job, there is no way you are living here with that sort of money. I would say you need to have at least $200/week to survive in the city centres. Multiply that 52 weeks in one year and you would need $10,400 (around P331,000) for the whole duration of your visa. The present reality is that there are heaps of long-term unemployed in New Zealand (some spanning multiple years) living off taxpayer subsidies. Look into the jobs and careers section of the Trade Me forums and there is plenty of discussion about that.

Knowing these facts, the working holiday visa would be more suited for someone who is:

  1. Boy/girl with wealthy parents who can finance their holiday.
  2. Those seeking first world training and a bit of overseas experience and then come back to the Philippines to use this to benefit their careers.
  3. Those who can avail of free accommodation from relatives/friends and spend this time for reunion and bonding.

If you are looking to stay permanently in New Zealand and have the skills that New Zealand wants, you better be looking at the Silver Fern Visa or the Residence Visa – Skilled Migrant Category.

The working holiday visa is called as such because it is really meant for young people doing their holiday with a chance to earn a bit of money on the side if they are lucky. If you are to apply for a work permit after your visa expires, you will go under the same tedious process (i.e. proving that there is no Kiwi for the role) like everyone else but not on equal footing, as you have already spent heaps after one year.

Truth be told, this is actually an opportunity for New Zealand not only to boost their tourism revenue but also supply the remote, low populated regions with cheap, youthful and energetic labour on a seasonal basis.






Why Working in Retail is a Good First Job


When I first arrived in New Zealand, my first job was a part-time computer salesperson for a local retailer to “get the ball rolling” so to speak. At that time, it was not ideal for me but quickly realized that it was a tremendous learning opportunity that allowed me to transition to kiwi life more smoothly and here are some of the reasons.

  1. You’ll learn the most basic business skill – selling something.

Businesses sell goods and services with a perceived value to the customer. In the same way, when you are looking for jobs, you are essentially selling yourself to employers. You articulate your features and benefits, solutions to problems the employer might have or differentiate your value from the competitors. When you are on the sales floor, you quickly learn these things in order to move products. Aside from job hunting, having selling and customer service skills are valuable if ever you decide to become an entrepreneur later on.

  1. You get to practice your Kiwi English.

There are nuances to the way Kiwis speak English and what better way to practice it than doing it everyday by talking to Kiwi customers! Correct Kiwi greetings, the handshake, how to build rapport, telling stories, listening and closing the sale will get you used to the culture and language in no time.

  1. You learn how not to get ripped off.

By working in retail, you get to understand how business in New Zealand works and how they structure their pricing and profit margins. You will then have an idea when it is the right time to buy things or how to negotiate for a lower price.

  1. You meet people and widen your network.

When I worked for retail, I met an average of 15 new people everyday. As I mentioned with previous articles, this gives you a very good network opportunity not only beneficial to job hunting but also when you need access to certain services (tradies for example) or if you are seeking activity partners like additional players for basketball games.

You will realise that there are always openings in Retail and applying usually entails just filling up a one page form. The reason being is that it caters to young people in university that usually come and go. It won’t pay much, but as above, you will learn those essential skills during your early settlement days in New Zealand.

Find out if your skill is “in demand” in 10 seconds

In a previous post, I’ve warned to be wary of NZ’s “skill shortage” lists. Sa panimula, magandang malaman ito sapagkat ito ang basehan ng immigration para bigyan kayo ng “bonus points” upang madagdagan ang inyong tsansang mapili sa EOI pool – ang unang hakbang tungo sa NZ residency.

Pero malungkot man sabihin, madami sa kababayan natin ang naliligaw ng landas sapagkat pagdating nila sa NZ, ang sinasabing “skill shortage” ay hindi pala totoo kapag nagsimula na silang maghanap ng trabaho.

Dapat natin tandaan na ang mga trabaho para sa migrante ay hindi nanggagaling sa gobyerno kung hindi sa mga pribadong kumpanya base sa demand for goods and services.

Mahalagang maintindihan na ang service sector ng New Zealand ang bumubuo sa 63% ng kabuuang ekonomiya nito – HINDI manufacturing o primary industry (gatas at agrikultura) na madalas ma-associate natin sa isang bansa katulad ng New Zealand.

Snapshot of the Economic sectors from Statistics NZ

In the bigger scheme of things, kahit pasok ka pa sa immigration points at mabigyan ng visa, sa huli, ang trabaho na naaayon sa iyong karunungan at karanasan ang magbibigay sa inyo ng kabuhayan at overall satisfaction sa pag settle.

Gawin ang apat na hakbang ito para malaman simula’t sapul kung ang inyong trabaho or skills ay “in demand” sa New Zealand:

  1. Pumunta sa www.seek.co.nz, ang leading job website ng mga kiwi.
  2. Ilagay sa “keywords” ang inyong major job title, alternative job titles or di kaya core skills. Halimbawa sa ibaba, pwede i-type ang “network administrator” o kaya “systems administrator”. Pwede rin i-specify ang mga associated keywords/buzzwords sa inyong industriya tulad ng “cisco” or “sharepoint.”
  3. Click “more options” at i-tick ang “full time” sa work type sapagkat ito ang requirement ng immigration sa pag approve ng residency then click “Seek.”
  4. Kung may lalabas sa search results na sampo o pataas na bilang ng full-time, permanent vacancies sa buong New Zealand, congratulations dahil masasabi mo na maganda ang pagasa mo makahanap ng trabaho dito.Kung hindi naman, huwag malungkot dahil at least hindi ka magsasayang ng oras at limpak limpak na salapi para lang mauwi sa wala ang pagpunta mo dito.

    Pwede ka mag-aral ulit, mag upskill at maghanap ng career alternatives na mas aayon sa New Zealand job market.

Self-assessment of job or skill demand

Six unconventional methods for job hunting in New Zealand for immigrants


Kapag ang job vacancy ay umabot na sa job boards tulad ng Seek o Trade Me, it is often too late dahil siguradong dadagsain na ito ng mga applications mula sa loob at labas ng bansa. Bukod sa mga skilled migrants from all over the world wanting to take a crack at New Zealand, binabaha ang job sites ng madaming CV mula sa mga kumukuha ng unemployment benefit o kahit yung mga taong may trabaho na pero naghahanap ng ibang trabaho.

Dahil you got hundreds, sometimes thousands throwing themselves at employers, nagiging spoiled ang mga New Zealand employers. Parang magandang babae na maraming nanliligaw so they can take their time up to a month before deciding, ask trivial interview questions and make the job application process complicated than necessary.

1. Get a phone book or search through google and start ringing or door knocking businesses and ask if they have anything going.

Kausapin ang manager o may ari ng negosyo for a minute of their time. Pwede tawagan o mas mainam bisitahin. Ang mga office building dito ay walang security guards na maaaring humarang sa iyo. Pinapakita nito ang initiative at enthusiasm ng aplikante. Mapapakita mo rin na fluent ka mag ingles. Kahit walang bakante, maaaring matandaan ka nila sa susunod na magkaroon ng opening.

2. Go to Kiwi parties

Believe it or not, marami akong kilala na nakakita ng trabaho sa ganitong paraan. Sapagkat relaxed at non-threatening ang environment ng mga party, at kadalasan you are vouched by common friends, mas madali mag open up ang mga tao that will lead to opportunities. Hindi ba’t mas madali makapagpalagayang loob ang isang tao kapag may kasalong alak sa usapan? There are two things that Kiwis hold very dear – rugby and alcohol – so use these two to your advantage.

3. Let everyone know you are looking, even to strangers.

Balikan natin ang konsepto ng “village mentality.” Get off your computer, talk to people in the gym, coffee shop, supermarket or even the church. For sure, someone knows somebody who knows of a job somewhere. This search for human connection is more powerful that merely spreading around a piece of paper or electronic file.

4. Offer your services for cheap (or even free)

Halimbawa marunong ka manahi or mag graphics design, pwede mo ito iadvertise sa supermarket job boards o di kaya sa trade me under “services”. Ang mga serbisyo tulad nito ay hindi mura sa New Zealand at pwede mo babaan ang singil mo just to break into the market. Not only is this a chance for you to earn a bit of cash but to meet more people which can offer new leads. It also showcases your talent for free. Kung matuwa sila sa serbisyo mo, maaari mo pa sila maging Kiwi reference sa inaaplyan mong trabaho.

5. Iwasan ang recruitment agencies

Hindi ko nilalahat but generally, they are a waste of time. Kadalasan sila ang pasimuno ng pekeng job ads upang makakolekta lamang ng mga CV. They primarily work for companies to get a hefty commission for every new hire so they tend to choose on the safe side (i.e. kiwi-born and raised).

6. Attend conferences or join professional organisations

Fields like education, engineering or ICT have trade shows that have good potential for you to meet and network among the primary movers of the industry. These professional organizations however, have expensive membership fees which might not be a wise decision sa simula especially if you are jobless. But be on the lookout for free seminars or “information nights” that you should take advantage of.