DON'T WAIT TILL IT'S TOO LATE: A Filipino saying goes: "Daig ng maagap ang masipag." (Translation: "A proactive person wins over a hard-working person.") Many Filipinos came to UAE on visit visa — and later found a job. This qualifies them to sign up with the Overseas Workers Welfare Administration (OWWA), a government agency that looks after expat workers. It’s actually trust fund, to which membership means paying $25 (Dh91.82) every two years. This gives members basic protection, including repatriation in of emergency, such as the on-going COVID-19 pandemic.