young lucky geek

Adgitize: Payment Proof May 2011

2011-05-11T17:01:00.000-07:00

The image below is my earning proof with adgitize this May 2011 - $20.07

Read here on how to make money with your blog. Want more traffic on your website? Sign up today with Adgitize

Earning with Adgitize

2011-04-25T19:14:00.000-07:00

I have been with adgitize for 6 months now. I first signed up to become a publisher and after deciding to use my paypal earnings to advertise with adgitize, I have already earned a total of $76.87.I firmly believe that adgitize with the leadership of Mr. Ken Brown could help many beginner bloggers to market their websites/blogs. Bottom line, it increases the traffic of your blog.

How does adgitize work?

First you need to have a Paypal Account. This is where you will be receiving your Adgitize earnings. Sign up here if you still don't have a Paypal account, it's free by the way. After signing up with paypal, simply register for FREE at Adgitize.com and fill in the needed details. You need to choose ad sizes and copy the html code you want to put on your blog. These codes will show advertisers' blog logos. You can input as many blogs as you want as long as those blogs do not violate the Terms of Service by Adgitize.

How to possibly earn $18 or more per month?

Adgitize is a point based system so publishers and advertisers simply need to acquire higher points. So how it's done?

Article Points - When you publish your article or blog post (as you usually do), you earn 100 points for that day. Very simple, but make sure you have successfully inputed the rss feed of your blog.

Forum points - Get active and interact with other adgitizers as well in the forum. When you get to post 200 words per day, then you get another 100 points.

Click Points - When you're a publisher, you need to click 100 blogs to score 100 points. But when you're an advertiser, you can save precious time and effort by simple clicking 51 blog ads and still score 100 points. You can start by checking out the "blogs not clicked today" or "leaderboard" on the publishers column.

Advertiser Points - when you decided to become an advertiser, you are rewarded 100 points everyday for a month. Note though that advertising cost per month is $14.

Page Views and Ad Views - you earn points depending on the adgitize ad groups displayed on your blog. The more ads displayed and the higher your blog's traffic, the more points you get. You also get additional bonus points for page and ad views when you become an advertiser.

Bottomline? You still earn when you decided to become a member as a Publisher but the fastest way to earn more is to advertise your blog at Adgitize.

Check out my payment proofs below. I have a couple of blogs running in my adgitize account and one that is continiously showing good performance is my Food Blog - Cook this Recipe.

Adgitize Payment Proofs from December 2010 - April 2011 total of $76.87

Again, Adgitize accepts payment and pay through Paypal. Don't have a paypal account? Sign here for FREE. What are you waiting for? Get the traffic you wanted and Advertise your blog now - Adgitize - Get World Class Advertising on a Bloggers Budget!

Huge changes for a lost dog's life

2010-10-14T17:34:00.000-07:00

Yesterday morning somebody trespassed in our house! I was able to catch him in our garden, surprised! We looked at each other, it was a long staring glance, both carefully awaiting each others next move. We met eye to eye...

In the dog's eyes

And then I called mom, "There's a dog in the garden!", I shouted. Dad saw him too. His first reaction was to get him out of the house so the owner can see him, but it was raining. This dog needs shelter, he's getting cold and was trying his way inside the house.

dog lying on the doormat

dog made his way inside the house

He keeps on pushing the door, hoping to get inside...and he was successful. He even sat beside me while I was doing my online work. Sadly dad was hesitant. He doesn't want the dog entering the house so when he saw him inside, the poor dog was again forced to leave. Until he saw a familiar friend waiting right outside the door. Can she really be a friend?

Are dogs now cats bestfriend?

The cat is not really our house pet (we actually don't have any pets), but this cat seems to like hanging around outside the house so she's a familiar face already. Now, I'm not really sure if the cat welcomes the lost dog's presence, one thing's sure though, I never saw them fight! I never even heard a growl of some sort, just a quiet stare, one that is tough and the other one giving that "hopeful-paawa" look.

Few minutes after the rain stopped, dad is now determined to get rid of the lost dog. He was brought outside but since he can perfectly fit in the gate and keeps on getting in, dad has to put a wood panel right at the gate so that the little puppy has no other way to get inside. Mom, my sister and I who were at the house at that time wanted to take care of the dog, he seems to be adorable and we really missed having a dog. We kept on begging but alas, dad showed no interest. I took pictures of this lost puppy while he was outside. He was consistent with his "look", his sad eyes seems to be telling me, "Adopt me please!" But I just stood there, braving myself for a sad goodbye...

"Adopt me please!"

Can I stay at your house, please! ***sniff"""

On cue: sad song... (mmk music) As much as my heart feels for this dog at that time, he also amazes me. This is the best dog actor I have ever met! Damn, he definitely knows how to work his charm!

Patiently waiting right in front of our house

walking back and forth...the sad walk

Four hours after, I overheard dad telling my younger sister that if the puppy stayed there til evening and no signs of the owner, we will let the dog stay. Imagine my happiness! But then when dad went outside the house, the puppy is already gone!

Or so we thought! As I was about to hang my towel near the laundry area and fast preparing myself to check on him personally in the streets, I was so astounded to see him there, probably taking some rest at a tree at the other side of our house! He ran towards me probably feeling happy to have been found, again!

this is the spot where I found him

He must have entered from a small hole at the other side of the house. I was impressed! How on earth did he knew that the other side is still part of the home lot? You see, we have 2 gates actually. The other one is still waiting to be renovated as the garage part, and we just placed some galvanized iron sheets to act as gate for the meantime. Anyway, I frantically reported to mom and my sister that I've found the dog - he never left the site actually! I remember dad's words, "If he returns, then he can stay".

Who couldn't say no to him?!

When dad found out about the incident, he himself named the dog "J-Bog". Weird name huh? But the name holds a very important part for the family. Dad will be leaving the house next week for an oil project in Qatar. The name of their project, yup, it's J-Bog! So I guess this dog will kinda be an additional family member now that dad is off to a foreign land, home away from home. While this guy here is happy to have found a new home... :)

J-Bog, lost in the morning found in the evening!

Butterfly Fly Away

2010-09-23T21:40:00.000-07:00

Last few weeks, we discovered some creepy stuffs spotted inside the house near the ceiling and windows . We then realized that they were cocoons... Today, they were gone and groups of butterflies have been flying around the garden surrounding our home. Little butterflies like the picture below...

This simple creature reminded me of the song I love so much...Butterfly Fly Away!

Caterpillar in the tree

How you wonder who you'd be

Can't go far but you can always dream

Wish you may and wish you might

Don't you worry hold on tight

Promise you there will come a day

Butterfly fly away...

How do you think your money works for you?

2010-09-06T21:07:00.000-07:00

The answer to that question would best be illustrated by this animated video created by musclebeaver. Probably after watching this, you'll make some changes with the way you invest your money :) Trust me, this is cool!

How Your Money Works from MUSCLEBEAVER on Vimeo.

10 Things You Don't Know About Working From Home

2010-08-03T17:50:00.000-07:00

1. You'll suddenly realize that housewives are totally busy people -with hardly any breaks.
2. You'll be challenged not to work because your cute baby is staring at you, saying "play!".
3. You'll be asked constantly, "What do you want to eat today" by your spouse.
4. If you're not careful, that DVD collection will be your #1 distraction from work.
5. You don't remember when was the last time you took a bath/shaved.
6. You're suddenly more interested in nice looking shorts and pajamas in the mall.
7. Your cellphone isn't getting much use unlike before.
8. When you walk to the neighborhood park, pool, all you see are yayas and their wards.
9. When it rains, you're happy you're indoors and won't be going anywhere!
10. In the hot months, you're happy that you can afford an aircon for your room!
-Jomarhilario.com

So there it is --the honest good and bad. Find out how you can work from your nice bahay --even if you're already abroad

Saggi

P.S. Don't worry, this is no s-c-*a-m. I know the guy. Read this and judge for yourself.

Filipino Personal Outsourcers Trump Indian Counterparts in World Market

2010-08-03T17:31:00.000-07:00

PRESS RELEASE

Filipino Personal Outsourcers Trump Indian Counterparts in World Market
August 4,2010
by Jomar Hilario

Big Companies like outsourcing because it saves on staffing and other costs. But do you know that best selling authors like Tim Ferris' of the Four Hour Workweek Fame have personally outsourced their business and lives to Filipinos based in the Philippines?

The concept, originally made popular in Thomas Friedman's book "The World is Flat" used to be a totally Indian business. You email someone in India to write your book, create a poem, order pizza, create a report, create websites, create an apology letter to your wife for forgetting your anniversary - then order flowers for her.

Now it's the Filipino Personal Outsourcer who's very very popular in the world market as leading suppliers of intelligent personal / virtual assistants (VA) to the world's top business people. We're especially popular to the American business man as we actually understand things like "under the weather" and "barking up the wrong tree" - idioms that other cultures have a hard time understanding.

Witness American sites like Replacemyself.com which is devoted to evangelizing to top leaders in business that Filipino Virtual Assistants are the only option for them if they want to outsource personal and business matters. There was even an under-the-radar meeting in Boracay earlier this year featuring 80 international business people : the topic: Hiring Filipino VAs.

So how does one tap into this lucrative market and become a VA? To get into this business early, you can personally learn from a Filipino who's dealt with Virtual Assistants since 2006: Jomar Hilario.
How to Work From Home as a Virtual Assistant Seminar

Maxwell Hotel
August 13,2010, Friday 9am - 5pm
for details click here

To be Followed by a 2 DAY Hands On Internet Marketing Workshop (to learn the skills of Online Entrepreneurship)
Josh Internet Cafe, Fuente Osmena
August 14-15,2010, Sat-Sun 9am - 5pm
for details click here

Or email cebuworkshop@gmail.com or call (Tony) 0922-884-58-46

OFI, the new OFW?

2010-04-28T19:13:00.000-07:00

Here's an article I read recently that I want to share my readers.

The real OFW hero is also an investor in RP

While it is true that working abroad somehow gives us a passport to prosperity, it’s still just a step closer. I believe that our positive response to Sen. Manuel Villar’s call for us to go up the next level from OFW to OFI (overseas Filipino investor) will make prosperity a reality. House bills like that should be passed expediently.

Many of my friends here in Singapore, including myself, dream of putting up our own business. We are determined to help the towns where we come from gererate wealth. Brain drain only happens when we totally uproot ourselves and never go back. But there are many of us OFWs who consider this stage of our lives as only a season of learning and acquiring better skills. We dream of going back and helping our communities realize their potentials to be economically prosperous. The question for us is when. When do we go back? Apparently, this becomes the hardest question everyone of us struggles with. When things become perfect at home? No, we realize that there is no perfect timing.

So while we make it out here and figure out how to make it there again, we urge our lawmakers and our rich countrymen who are capable of creating businesses, to improve our country’s economy, so that opportunities for employment will be aplenty, and we would need foreign talents more that we need to export local ones. And all of us OFWs would go home.

While we a re called the new heroes of our economy, we don’t really feel like it. Once, a Singaporean taxi driver asked me what I was doing is Singapore. And then he went on to boast that he’s got a chicken farm in Mindoro even if he’s not a Filipino or even if he doesn’t have a Filipino wife or family, because he wanted to help our poor country. He advised me to go back and make our country wealthier. I may doubt his sincerity or scorn his bragging, but the truth is, most of us here would really like to go back and help our country become better. And see ourselves sending money from home to destitute places in Africa or to other needy places in the world. That makes for real heroism.

Who does not want to be called a hero? But most certainly, none of us OFWs feel like one. Those who generate wealth from our own resources back home are the real heroes. They are the pillars of our economy. OFWs are here today, gone tomorrow. So, may all OFWs be OFIs and be a "brain gain" for our beloved country.

Hansen Sy - Philippine Daily Inquirer — March 16, 2010

It is my hope to see all OFWs one day to become OFIs. In that way, the real prosperity begins and the road to financial freedom is just within reach.

When are you going to be a Millionaire?

2010-04-07T17:52:00.000-07:00

Hey guys, would you like to know how long it will take for you to become a Millionaire? Try this Million Pesos Calculator from Mr. Fitz Villafuerte. This can be fun or scary experience, depending on the outcome, haha...
Click here to put this Calculator on your site.
It can be an exciting eye opening too! So if you want to be a Millionaire before turning 60, better get going and get out of the rat race the soonest possible time. Don't know where to start? I suggest you start PLAYING! You say what?!! Go check this out :)

My $14 Neobux Payment Proof

2010-03-31T18:09:00.000-07:00

Start the year right with a nice payment proof from neobux. Ever since I started joining this site, my total payment has gone up to $14! They recently paid me a little bit less than $5. I know it's not much...for now! But that is because I haven't really been giving too much attention to this and doesn't have much referrals. But now that I am confident that this site really pays and it pays fast, I will soon get my hands on my future referrals and upgrades just like the one who referred Neobux to me where she was recently paid a whopping $428 dollars...yup my friends it's possible! Check below to see how.

This was the third time Neobux paid me. Join Neobux so you can earn online too! But first you need to sign up for Alertpay or Paypal for FREE! It's where you'll receive your earned dollars! It's also the first thing you need to do if you want to earn money online.

Get your FREE account with AlertPay

FINDING FREEDOM

2010-03-27T18:30:00.000-07:00

After my last tv show ended on summer of 2008, boredom gets in the way. I might have found ways to keep money coming in but my physical body wanted to do something more. It misses the stress and fun times of a typical taping day! A lot of issues has been clouding my head ever since. I miss my co-workers, the 24 hours of non-stop work, the glitz and glamour (yeah, a little), but I also feel strongly about not wanting to continue and going back in the world of entertainment. Maybe because I really don't see myself working in that environment for a long time, so why continue? I guess 4 years is enough. I want my FREEDOM, big time!

And then i just did it. I quit. But honestly, it was a difficult decision. To choose between a promising career with the biggest TV network company and finding that FREEDOM is easier said than done. A couple of shows has been offered but my passion for tv production is already questionable. I stand by my decision. I want to move on...

2010. A new pace of life begins, now in a different setting. All the past sacrifices I did when I was just starting my career has luckily been paying off. It is helping me and I’m just so grateful for making those early decisions and to have the guts to work my ass off taking those small simple steps.

A prominent TV executive has told me once, “Well, let’s see where the flow takes you….(immediately saying) ...Welcome to the company.”

And now that so many things have changed "dramatically", I’m happy for following the flow, for following my heart and my passion. For living the kind of lifestyle that I want...for FINDING FREEDOM.

Rich Dad's Cashflow Web Game now Available (beta version)

2010-03-25T00:28:00.000-07:00

Good news to all rich dad fans out there (yep, including me), finally the famous money board game (ok, second to Monopoly) CASHFLOW is finally out online!

Play the CASHFLOW game online for FREE!

The beta version of CASHFLOW The Web Game is now live and ready for you to take it for a test drive!

Playing the game is completely free – just sign in to your account on richdad.com (if you’re not registered on the Rich Dad site yet, registration is quick and free). No software download is required – play right from your internet browser. Play by yourself or with others online.

I already tried it, but haven't finished the game, unfortunately. Oh well, feeling tired got me sleepy. But hey, I will continue to play the game. It's informative and most of all, it's high tech! Choose from Cashflow 101 or 202 and you also have the option to play with people from other countries or with the computer itself.

Go to richdad.com now and sign in to play!

Go Negosyo Women's Entrepreneurship Summit

2010-03-22T01:44:00.000-07:00

I am an avid follower of Go Negosyo. I have always respected Mr. Joey Concepcion ever since I bought the first book, then newly released "50 Inspiring Stories". I admire his vision and passion for leading the Filipinos towards the path to entrepreneurship and guiding them by giving away big events like this - for free!
Last March 8 2010, I had the luxury of time to visit World Trade Center with my good friend MC. I don't feel very well that day, but since I really want to be at the event, I grabbed myself up and headed our way to hustle bustle city of Pasay. It was indeed a hot hot day!!!

Upon arriving, we were welcomed by crowds of people - human traffic at its worst! PGMA was also there, my first glimpse of her...err, no comment...

There were speakers whom I've already heard before and of course the Go Negosyo hosts themselves. I had a fun time listening to Gladys Reyes. The event also feels like a free concert! They had Ms. Pilita Corales, Pops Fernandez, Eric Santos and La Divas. I felt good seeing one of my respected entrepreneurs, Ms. Gaita Flores. It was nice seeing her upfront.

The summit was a success! I guess it was a proof that today, many more Filipinos are open to the idea of Entrepreneurship. I like that! But the most important thing is, I was able to inspire my friend more to discover her passion for business and to follow her heart. She started a soap business days after the summit.

What I did to save Php15,000 during college?

2010-02-21T16:30:00.000-08:00

Before I tell you the many ways I did to save that amount of money, do take note that these are the years 2000-2004. I did not get myself a dorm, I commute a total of 1 hour and 30 minutes (NO traffic). My allowance per day, a measly P150. I did not have a bank account, just an old squared aluminum piggy bank, was never introduced to investing, and never worked part time. I was just a plain student then. So how I did it?
Here are the ways

1. Going back, I believe the most important thing I did to have that P15,000 is to DECIDE to have it. It was one of my end goal. I promised myself that before I graduate, I should have a good amount of money to jump start in my chosen career. I was focused and determined.
2. I Budgeted my allowance. I made up a formula and made it automatic.
Allowance - Savings = School expenses
Fyi: I continued on with this formula when I started working. It was a huge help.

3. Free Ride. Commuting all the way from Laguna to Cavite everyday is no easy task. I guess I was just so lucky to have a classmate who's regularly fetched by her dad. She offered a ride and most of the time I would go home with her. It surely saved me a huge amount of transportation cost.

4. To save on food, I would just buy lunch at school and bring my own food for merienda. Sometimes, me and my class friends would just buy a heavy hotdog sandwich instead of rice and ulam.

5. During holiday season, I would see to it to set aside ALL cash gifts.

6. Spend quality time in the library. This practice saved me a lot from having to xerox truckloads of research notes. I would regularly visit our huge and comfy library and jot down all important notes I need on my assignment and research papers. I would also start drafting my notes.

7. Go to school EARLY. Would you believe if I tell you that there was a semester when my first class starts at 1pm and I'll be at school by 7am? Excited for class? Nope. I'm just making sure I'm using the money I paid for our Miscellaneous Fees. I'll come by our computer library and be surfing the net for 2-3 hours! Of course that's FREE! I must confess, I get excited surfing MTV and my fave artist official website. To save more money, I would use that chance to type all my research assignments and projects so I would not have to go to Internet shops. Plus, I really hate commuting around noon time, it's much polluted and hot.

8. Home-School-Home. You see, my day has already eaten up by my long travel time. Therefore after school, I would just prefer to leave immediately so that I could have time to do other things at home. Having a distant location from school would not permit me to stay late. Besides, going to the nearest mall at that time spells heavy traffic so I'd rather stay home and relax than going out and have all those temptations of wanting to spend.

9. SELL STUFF. I guess I really do love selling and marketing of products I believe. To earn extra money, I would sell my classmates some beverages from my dad's part time business.

10. Join CONTESTS. I proud myself for having been gifted with creative hands. So to make use of it, I would sometimes join art contests and save all the cash rewards.

Will Smith and His Success Principles

2010-02-16T01:04:00.000-08:00

Will Smith is undoubtedly one of the many successful celebrities in Hollywood. Armed with simple principles and great wisdom early in life, he simply shows us that the key to success can be reachable. Watch this inspiring video as he shares with us his Wisdom on Life!

Here are some of my favorite lines from the video:

"If you're gonna be here, then there's a necessity to make a Difference".

"You're Life will become better by making other lives better".

There's no reason to have a Plan B because it distracts you from Plan A".

and

"Attack your Fears".

My hands off to Will Smith. A gifted and talented artist.

Saving Tips for the Young Professional Pinoy

2010-02-08T20:08:00.000-08:00

SMART MONEY TALK
10 sure-fire ways to save money for the Young Professional Pinoy

These days many Young Professional Filipinos are looking for ways to save some extra money. In my observation, I realize that in one way or another majority of the people do know where to find those few extra cash but just don't have the discipline to do so. I believe that's the keyword here, in the subject of saving and investing, it takes a good amount of discipline for us to reach our goals.

So here's a list of ways Young Professional Pinoys can creatively save money.
1. FOOD
Eat less: Yup!, Eat less! Of course it doesn’t mean starving yourself, but try to stay away from junk foods, soda, alcoholic drinks, chocolates and other none nutritious food cravings we Pinoys have embraced for years. Enough of it! Start eating more home-cooked meals like fish, soups, less rice, less oil, no junk foods... less body fat and more money saved.

Bringing your own lunch pack is a great way to save. Don’t mind status symbol. Instead pride yourself in doing something good for the environment by not using styrofoam and plastics. When you bring your own food, you don't need to get out of the office to eat in fancy restaurants or fast foods, thus less temptation.

Take advantage of your company’s free drinking water. Most offices have water dispensers available within their buildings. Make sure to bring your own mugs or bottles (make it fun or stylish) and fill them up before taking your lunch and maybe after getting out of the office. Me and my former co-workers bought ourselves some really cool Starbucks mugs. It may be pricey at first glance, but in taking advantage of the free drinking water, we surely have saved lot!

But if you really want to eat out, I suggest instead of ordering a package meal with the softdrink, why not order the basic rice and ulam only, leave out the soda. Just ask for a glass of water...it's free! Imagine the savings you'll get from drinking water instead of buying sodas. Plus it's healthier!

Nothing beats growing your food. Make use of that boring empty space in your backyard and turn it into a vegetable/fruit garden.

2. TRANSPORTATION
I know a lot of yuppies out there would loved to get their own cars. But always take in mind, maintaining a car is expensive. And for me, it's not really a good idea to shell out money for a brand new car, especially f you're just starting out, even if you‘re earning a good amount of income. You gotta check your lifestyle. For a long time, our family was fortunate to have experienced owning two automobiles at the same time, but today we got rid of the cars...doing so saves us thousands of money.

Walk or Bike! I personally love to walk., especially after a heavy meal. Instead of riding a tricycle or jeep, I just walk, and I mean a long walk...especially during the night time or any lovely day. Less transportation cost, it’s healthier plus it's eco-friendly! Just make sure the road's safe :)

Drive a scooter. It’s relatively inexpensive, practical and has better gas mileage.

Take a public transportation. It’s cheaper than car maintenance, parking expenses, insurance and gas. If you however have a car already, try not to drive everyday or better yet, share it with friends for a price of course.

3. RENT
When asked, most fresh graduates would choose to work in big cities like Makati, Ortigas and QC, making those living in nearby provinces no choice but to find a place to stay. They look for a place to rent. It may be as grand as a studio type in condos, room for rent or merely a bedspace. Before going out and searching the metro, you may opt to consider living with a relative for a small paying price. Most good natured kapamilyas will take into consideration that you're just starting a career and may be kind enough to have you stay for free.

If you have a condo big enough for you, and needed to find extra money, you may want to bring in a trusted friend or colleague and have them pay you a rent.

If, however you're someone who can easily gather a group of people, why not find an apartment and just look for people who want to stay with you. The more people you bring in, the less rent you'll pay.

When the deal between you and the landlord is you have to pay for your electricity, here are some tipid electricity tips you can try.

Unplug those appliances. Save your money from being sucked by those vampires of electricity. Open up those windows and let the morning sun and air flow so you don't have to turn on the lights and fans. December-March where the air is cool is a great time to rest your aircons and fans.

Try to be like a farmer. Go to bed when the sun sets and wake up when the sun rises. Less electricity!

4. OUT OF TOWN TRAVELS
One of the major ways to cut your expense when renting a van is to travel with more people. The more people in the van, the less transportation cost.

I you wish to travel farther and needed to travel by plane, you have to get "early bird" tickets. Cebu Pacific for example recurrently holds promotion known as Piso Fare. Exclusive of tax of course, but this discounted price really saves you thousands of cash. Subscribe to their website so you can be regularly updated with their promos. They also charge lower fees when book online during Tuesdays and Wednesdays.

Thinking of a good place to travel? Start asking your friends. You may want to ask who among them lives in Puerto Galera, Baguio, Subic or Lake Sebu. They may want to invite you to visit their province. Taking a trip with them will save you lots of cash. They'll provide the accommodation and sometimes free food. You have your own tourist guide too which can save you time from asking directions.

Why not go to free parks or free concerts?! Check out your area for listings and you might just be surprise to discover some place new.

La Mesa Eco Park for example is a very affordable place your family's surely gonna enjoy. It boasts hectares of wonderfully landscaped views, a charming lake scenery, and a wide lush of green clean air. The place has been used so many times in many tv shows. I know, we‘ve used the park so many times in my past shows. So who knows you might just be lucky and be steps closer to your fave artists in action.

5. ENTERTAINMENT
With the convenience of the world wide web, we can basically get our hands off on a lot of things for free. There are hundreds of sites that offers free movie, free music, free tv shows, you can either download or watch them right on the web.

6. REST AND RECREATION
Haircut Session. If you opt to cut your hair, why not ask a good hairstylist to your home and then invite friends who also wants a piece of the stylists’ cut. Negotiate your intended price. Do the same for a spa party.

7. EDUCATION/LEARNING
Education for free. Take advantage of your company’s free workshops and seminars or subscribe to your favorite financial blogs (like this) and get updates on them. Personal Financial Blogs for example are easy to read and simple to understand but do make sure it’s from a reliable source. GoNegosyo is a good way to start. They have been conducting free seminars during exhibits...and it is never boring! You can also download free webinars and audio reports like that of Rich Dad.

Free Books! There are thousands of free downloadable e-books in cyberspace. You can also trade books with friends. Or stay longer at your fave Powerbooks store...you can read their books there for free. I do that often!

If, however you really want the tangible stuff, I recommend buying from thrift stores like Booksale and Filbars. There are hundreds of magazines and books out there that sells a lot cheaper than those from famous bookstores. I buy my fave home interior magazines there most of the time, back issues of course. Those kind of publications that doesn't necessarily have to be read up-to-dates.

8. SHOPPING
Have you seen the movie "Confessions of a Shopaholic"? It takes strong discipline from not giving in to temptations and some good old common sense. If you don't need it, don't buy it. If you think you need it, think again.

Write a grocery and shopping list. This has been an age old tip but it really is effective. It stops you from compulsive buying and purchasing unnecessary stuff. Especially if you're on tight budget, you better force yourself to stick within the budget.

Organize a SWAP MEET between your friends, co-workers or relatives. Get rid of your unwanted clothes and trade them for free!

Shop BIG. When doing your grocery shopping, get big ticket items on stuff you will use for sure and for a long time. Stuff like powder detergents, cooking oil, shampoo…

9. INTERNET
Use the internet wisely. Wouldn't it be great to pay your monthly internet bills coming from your own internet efforts...I mean there are plenty of ways we can use the net to make money! Why not try...

EBAY: The online garage sale. Sell your old stuff. I made my first 20T net income in a years time - part time. I was selling this really old CD (something I got for free) for just a mere P10, the buyer really wanted to buy that stuff, has been looking for it for a long time and paid me P200! You see, one’s trash could be someone’s treasure.

Blogger: If you have a passion for writing, why not try blogging. I have been writing in my old traditional diary for more than 10 years already, and when I stumble on to this idea of doing a blog, I immediately got hook into it. It’s a good stress buster, you get to hone your writing skill and best of all you get to meet some real cool people who shares the same passion. In creating a blog you get a chance to SHARE and INFORM people of what’s out there. Plus when time comes your blog gets enough traffic, you also enjoy earning from it in dollars.

Neobux: If there’s a reputable paid-to-click site out there, I’m sure a lot of users will agree that Neobux is the best PTC site. I was paid 4 times already. There are hundreds of PTC sites born every day, thus more and more scam sites crawling in cyberspace, so beware and do your research before investing your time and effort.

Of course in putting up online stores or trying to take a cut of income from the web, these two online “banks” would be a great help - Alertpay and Paypal.

10. COMMUNICATIONS
Use Chikka! If you're like me who's constantly in front of a computer, it's a good time to send out those replies or just catch up with friends using chikka. Instead of phone, message them thru Chikka for free!

Cut down your cellphone plans. Who knows, you might be paying more than you’re actually using. Opt for prepaid and take advantage of the promos available. Choose a network most used by your family, friends and co-workers.

Have other great saving tips in mind? Feel free to share your ideas with us!

Thoughts on INSURANCE and HOW TO BUY A PEACE OF MIND

2010-02-01T21:13:00.000-08:00

I know the title seems kind of absurd. Can we really buy a peace of mind?

That’s what Insurance companies are here for. We “buy” a plan from a reputable company and in return we get ourselves some peace of mind just in case something unexpected happens to us, our cars, our dream houses or to our jobs we thought will provide long term security.

Most of us who have been exposed to the term “insurance” have probably heard that insurance companies don’t sell products, they PROVIDE SOLUTIONS. It’s indeed one of the catchy lines insurance agents used that have brought in the added sales. Solutions to future unexpected events that might be costly or be a burden to us or to our loved ones.
Many Filipinos still doesn't have insurance policies. Maybe it's because of his lack of knowledge or know-how or maybe because of the industry’s almost “beat up” image that some people are afraid of it. Still, I strongly suggest you buy one especially when you’re just starting out and you still don't have so much expenses.

“Buying” is just a term usually used in getting yourself an insurance. But in it’s real sense, you don’t “buy”, instead you “save” on it. Meaning, you’re just giving your money to the insurance company in the hope that when you need it, you‘ll have more that what you gave. Just like depositing your cash in a bank, only this time, you won’t be able to get it back easily because terms and conditions apply. But of course, the interest is a lot higher than the bank’s.

Steps in getting an INSURANCE.
In this case, let me cite Pension Plan as an example.

1. Talk with your trusted insurance agent. Discuss your needs and study the available products presented. Each of us have different needs, one’s plan may not be suitable to others. Young people are advised to take advantage of their greatest asset which is TIME. If you're young, time is on your side. The younger you are, the lower the price installment you'll get. From there, study your budget.

2. Stuffs you need to think about (ex. Pension Plan): paying capability, paying period (you can choose between 1-10 years), maturity period, modes of payment (monthly, quarterly and semi annual), coverage of insurance benefits, plan’s features like a forfeit free, grace period, beneficiaries, interest rate (based on company’s past performance)

Fill out the form given. Do make sure you understand the conditions before signing out.

3. Be ready with your payment. If you have a good amount of cash, I suggest you pay yearly instead of monthly, quarterly or semi-annual. You’ll save money in choosing the first option. If you’re somewhat anxious in giving away your first payment to the insurance agent, there are other available payment options today like bank deposits or you can go to their branches and personally pay there. TIP! If you want to save more money when getting an insurance, why not apply to be an insurance agent yourself? Instead of having the insurance agent take the commission, you’ll get a hold of it yourself! It’s like having the 10-40% of your yearly plan payment be returned to you! Money saved err, in that case, MONEY EARNED!

4. Secure the receipts, especially if you’re still waiting for the contract. If the contract is given, take time to read and understand the term and condition, save important contact numbers. Always keep in track of your payment’s schedule to avoid delays and problems.

Cheers to your first INSURANCE PLAN!

My best and worst story on Google Adsense

2010-01-25T23:54:00.000-08:00

Good News first: I received this letter from Google adsense during the later part of 2009. I was really thrilled. I just proven myself that Google Adense really works, and it pays! Here's a picture of the letter.

Bad News: Days after, I received an email that my google adsense account has been disabled! WTF! Their reason? Invalid clicks...

I know, I felt bad...really bad. But what the heck! There are hundreds of ads just like google adsense out there on cyberspace... I learned a lot from this and I wouldn't let this ruin my positive outlook on internet marketing...I'm moving on... :)

My Top 10 for 2010

2010-01-10T23:34:00.000-08:00

Top 10 Financial Must Do's

These are the things and thoughts that will keep me busy throughout the year

1. Start another online business, this time selling a particular product I will be attending to from home. Check!

2. Engage myself to 2-3 major investments (health and wellness area).** two down!

3. Create more blogs Check!
4. Find a mentor in cyberspace Check!
5. Open a Unionbank Eon Visa Electron
6. Become a Ruby Director!
7. Create more multiple streams of income Check!
8. Open a dollar account (will have to wait for lower dollar rates before
purchasing dollars)
9. Set aside good amount for my sister's needs.
10. Give 5% annual income to charity Check!

Top 10 Must See Places

I really want to travel outside the country this year...I can if I want to...but there are things I needed to prioritize first... international travel will happen!

This year I need to focus on business travels...leisure and business combined...say, smart travel ayt?!

1. Manila Ocean Park Check
2. Lake Sebu Check!
3. Sagada
4. Bicol
5. World Trade Center Check!
6. Star City
7. Tagaytay
8. Batangas
9. Tiendesitas
10.Divisoria

Top 10 Must-Haves

I love things! This 2010, I will have these things...they will be my faithful companion as I walk my way to the "good life".
1. Planner Check!
2. Meditation cds Check!
3. Headphone Check!
4. New phone Check!
5. New closet cabinet check!
6. Easel
7. a good fit Cardigan
8. hiking shoes...Merrell

9. Northface backpack Check!
10. boyfriend?!! lol

good shoes take you to good places...

Top 10 Must See Movies

I don't care if I would watch them in movie theaters or simply on the couch...what's important is I should feel excited watching :P

1. New Moon (I know...I'm such a loser, I failed to watch this movie in the big screen last year! Jeezz..thanks to my brother who kept on promising me he'll give a copy of this movie...) Check!
2. Eclipse Check!
3. Iron Man 2 Check!
3. Salt Check!
4. Harry Potter and the Deathly Hallows Part 1
5. Step up 3-D Check
6. The Chronicles of Narnia
7. Prince of Persia
8. Alice in Wonderland Check!
9. Dear John (another masterpiece from Nicholas Sparks)
10. The Back-Up Plan

Go Negosyo Women Entrepreneurship Summit

2010-01-09T18:37:00.000-08:00

After my visit to Go Negosyo Youth Entrepreneurship Summit last year, it's good to know that GoNegosyo will start the year with another inspiring get together this time for women entrepreneurs.

Babae, Tagumpay Ka ng Bayan!

WOMEN ENTREPRENEURSHIP SUMMIT

Babae, Tagumpay Ka ng Bayan!

DATE: MARCH 8, 2010 (Monday) – International Women’s Day

VENUE: World Trade Center, Halls B and C

ATTENDEES: 15,000 women and men

§ Microentrepreneurs, clients of microfinance institutions

§ Government representatives/employees

§ Students and members of academe

§ Go Negosyo network of mentors and partners/sponsors

§ Banks, financing institutions

§ Non-government organizations

§ Media

BRIEF DESCRIPTION:

Go Negosyo Women Entrepreneurship Summit: Babae, Tagumpay Ka ng Bayan! is a one-day, free-admission event which aims to:

§ Inspire attitude change and inculcate the enterprising mindset among attendees

§ highlight the stories of micro and small entrepreneurs – especially the women – who were able to overcome poverty and achieve success despite obstacles and hardship in life

§ recognize not only entrepreneurs but also the numerous stakeholders – government agencies, non-government organizations, corporations, academe, and other sectors – who are involved with entrepreneurship development

§ tackle the main issues and concerns that concern women, including but not limited to:

o Women’s rights

o Philippine environment (social, political, economic)

o Family life and work balance

VENUE SET-UP:

1. STAGE AND PLENARY AREA which can seat approx 3,000

2. BLEACHER SETTING/SEATING FOR “TAGUMPAY” ENTREPRENEURS

3. BOOTHS AND EXHIBITS classified or zoned under the following categories:

a. Health and wellness

b. Beauty

c. Fashion

d. Etc.

4. TWO (2) SEMINAR ROOMS within the venue

a. Seminar room A: Negosem topics (mindsetting for women across ages/backgrounds, spotting business opportunities, marketing & product development, financial literacy)

b. Seminar room B: Industry-specific business opportunities (direct-selling, franchising, businesses in health and wellness, beauty, etc.)

For more information, call Ideal Events at (02) 431-3694 or Go Negosyo at (02) 637-9229. E-mail us at womensummit@gonegosyo.net.

My First Stock Certificate

2010-01-07T17:01:00.000-08:00

My aunt finally gave me my first stock certificate from a Multi-Purpose Cooperative situated in Southern Mindanao. I own 40 shares of it at P100 per share. Yeah I know it's not that big but I bought these stocks way back 2006. Given all the project plans of this company, for sure it's price per share will go up in no time!

I'm also using this every time a friend wants to loan from me. So I don't need to directly use my cash. I'm earning 3% interest per month. It's like I'm beginning to act like a bank...small simple steps, keep on learning and we're on our way for bigger transactions and better investments. :)

Include Alertpay and Paypal in your Online Business

2010-01-05T23:13:00.000-08:00

If you intend to try MAKING MONEY ONLINE, then you'll be needing these two online banking giants. Partner with them as they will play a big role in growing your business to be made available to almost everyone in cyberspace. Who wouldn't love that, it's FAST and EASY!

Alertpay is very much like an online "bank". After signing up you can send, receive, withraw and earn money via online transactions. Like Paypal, Alertpay's services has also been widely used in many online stores. You can choose from 3 types of accounts: personal account, premium account, secured account. To learn more about alertpay, click on this banner...
Get your FREE account with AlertPay

Paypal is an e-commerce business allowing payments and money transfers to be made through the Internet. PayPal serves as an electronic alternative to traditional paper methods such as cheques and money orders. In addition, Ebay users worldwide rely heavily on Paypal. To sign up or know more about Paypal, simply click on its banner.

***Sign up to Alertpay and Paypal! It's the first thing you need to know if you want to MAKE MONEY ONLINE!***

My Vision Boards

2010-01-05T14:40:00.000-08:00

I see (or want to see) myself living a life full of inspiration, love and continuous learning. A life that is always giving hope and always carrying a positive outlook on every situation. A meaningful journey with good close friends, set of new acquaintances and a loving, happy family that is always there to support all of my endeavors. A chance to become a good mother...a loving wife...a proud Filipino citizen...smart and adventurous traveler, a strong but charitable business person...a respected artist, and best of all a good server for God's mission.

Furthermore, I love to acquire a property at the Hamilo Coast in Batangas (one of my dream Paradise), have a fun and relaxing moment in Boracay to appreciate the smooth white sand and clear blue water. Experience a meet and greet moment with Jennifer Lopez who inspires me to look good and feel beautiful...I want to have her abs too :) Grand Canal is a must see, but I guess Venetian Macau is more feasible. To own one of my dream business - a large Furniture Company showcasing the art of Filipino culture using indigenous materials - eco green, that is! I want to add a Children's Foundation to my list of "babies" and to be actively involve in many UNICEF projects. I would be glad to help Balben Family Cove reach its full potential and to be appreciated by more people - foreign and local.

Thank you dear God for granting my wishes :)
Arigato! Merci! Kamsa Hamnida! Gracias! Salamat!! Thank you, Thank you!!!

My First Charm Bracelet

2010-01-01T19:46:00.000-08:00

December 29, 2009

Together with my dearest friends Ava and MC, I bought a personalized Charm Bracelet at Charms and Crystals in Festival Mall Alabang. At first, I was just curious to go inside the shop and try to grab some info on how to invite more luck (sneaky!). Admittedly, I am firm believer of Positive Thinking, Feng Shui Energy and Law of Attraction. I have no plans on buying anything from the shop but somehow, I got so curious on a lot of things that are on display and I ended up buying 2 things - a charm bracelet and a laughing buddha as a gift to my family. The bracelet is priced at P1,800 while I bought the buddha for P800. According to the feng shui practitioners in the store, all the charms came all the way from Tibet and has been initially blessed by monks. The girl who talked to me was kind enough to give us a lot of information especially on our KUA no. She adds that those born in the Year of the Pig will be gifted with many opportunities this year of the Metal Tiger. I feel blessed...as always!

(fyi: the other bracelet is a gift from a cousin)

WANT TO KNOW SOME 26 ANCIENT SECRETS OF THE ORIENT? DISCOVER MORE FENG SHUI SECRETS HERE...

BE RICH! Rich Dad Asia™, Live in Manila 2009!

2009-11-14T00:24:00.000-08:00

BE RICH!

Learn the secret of how the rich get richer and how YOU can get rich too!

The most IN-DEMAND WORKSHOP in Asia based on the best-selling book “Rich Dad, Poor Dad” is now within your reach. The most-awaited life-changing workshop seminar entitled RICH DAD ASIA™ LIVE IN MANILA 2009 will be held on November 30, 2009 at the Manila Diamond Hotel from 8:00a.m. to 6:00p.m.

This one day “hands-on” workshop will take you through the process of starting from The Rat Race to the Fast Track, where the rich play their game, so you can learn to be financially free to work less and yet earn more! It won’t even matter how much or how little money you have to invest or what little education you have. The workshop will help you attain your dream house, dream car, business, and life style without forcing you to spend lesser time with your loved ones and sacrificing your own body’s need to rest. No more weeks of staying up late working for meager overtime pay! Say goodbye to being over-worked and under-paid. Make your dreams come true instead!

This seminar will teach you how to TAKE CHARGE OF YOUR FINANCES and open your mind on how to make the choices you want with whoever or whatever you want and whenever you wish. The seminar will open your eyes on the differences and similarities of how money is made by the Poor, Middle Income and The Rich and how the Rich spend to be Richer and take advantage of their financial mindset.

The seminar will discuss:

• How you can work less and yet make more money.

• How you can make MONEY while you are on holidays or on the golf course or on vacation etc.

• How to use other people's money to make you richer.

• What type of debt is good and what type is bad.

• How to fill up your personal balance sheet.

• How you can make money in a bad market and in a good market.

• When is the time you make money, when you buy or sell?

• How to use other people's time to make you richer.

• Why your home can be your liability instead of an asset.

• What your CPA or your banker did not tell you.

• Why middle income people are loading up with liability without knowing about it.

• Simple rules of the thumb to differentiate between Asset and Liability.

• What type of income the Rich go for that the Poor don't.

• What the Rich do that the poor don't.

• What the Rich know that the poor don't know

• What type of education the Rich have that the poor and middle income doesn't have.

• What types of Investment vehicles the Rich use to made them Richer everyday.

This workshop won’t be just like the usual seminars that leave you overloaded with information on theories and principles that are hard to practice in real life. Instead, the speaker, Rich Dad Asia™ and Multi-millionaire, Bellum Tan himself will teach you how to stop working for money and instead let your money start working for you -- so you can have all the time you want with your loved ones and with the things that you really love to do.

Bellum Tan is the CEO of Rich Dad’s Training (S.E.A.) Pte Ltd. He as over 30 years experience in operating a group of companies and have successfully applied Rich Dad™ concepts of investment to attain Financial Freedom. He will teach the participants the right mindset necessary to obtain their financial goals and give them a chance to benefit personally by tapping into his wealth knowledge and experience.

Bellum Tan met Robert Kiyosaki (creator of Rich Dad Poor Dad) in 1992 and has since then practiced everything he learned from Robert Kiyosaki actively investing in real estate in the early '90 and today has gone into investing with Robert Kiyosaki and his team in providing seed funding for a few companies that have successfully gone public. Now, Bellum Tan is classified as a Level-5 Investor as defined in Robert Kiyosaki's book "CASHFLOW® Quadrant". He has mastered his investment skills through businesses, real estate and venture capital funding and has even created "The Singapore Strategy" for CASHFLOW® 101. He shared this strategy with Rich dad’s Organization in Phoenix, Arizona, where he surprised everyone during the "Strategic Conference Seminar" with the millions of dollars created as a result.

CASHFLOW® 101 was created for people starting off from the left of the CASHFLOW® Quadrant: the 'E' & 'S' side ('Employee' and 'Self-Employed'). However, Robert Kiyosaki classified Bellum Tan's strategy as coming from ' B ' and ' I ' side of the Quadrant ('Business' and 'Investor'). In doing so, Bellum Tan brought participants of CASHFLOW® 101 to a higher level, and taught them how to invest from the right side of the quadrant, the side of the rich. Cashflow Technologies and Robert Kiyosaki have appointed and authorized him to conduct CASHFLOW® Seminars and Workshops in Asia teaching the Rich Dad concept.

Playing CASHFLOW® 101 with Bellum Tan will challenge your current financial knowledge and skills in a simulated financial environment, challenging your existing assumptions about financial prudence. It will open your eyes and mind to new ways of looking at things. It will challenge your presumptions on growing your money and will trigger ideas on multiplying your money and your wealth. It will let you know what to do when unfamiliar opportunities come knocking on your door. It will let you pick up tips on analyzing business and amazing ideas on safer ways to handle stocks and shares, and see if these work.

Bellum Tan will not only share his life experiences in developing his multi-million business empire with you. He will let you have a “feel” of what it is like in real life with the use of the CASHFLOW® 101 - the most powerful financial education board game that will be used to demonstrate to you the financial choices you will encounter in real life. CASHFLOW® 101 is a faithful simulation game—a mirror reflection of the real life behavior of the rich, middle income and poor. He will train you instantly on the habits of the rich and on how to play the game of Money for real in our life, using the different vehicles of the Rich like businesses, real estate and stocks/option to reap us 30% - 1000% to infinite return annually. In this simulation, you can begin from as little as $2,500 per year to reach $1 million in less than 10 years. You can further accelerate it further by being more aggressive.

So practice using leverage and see the impact. If you have worked hard for money, then open your eyes to the ways to make your money work hard for you too. Attend the seminar and understand real estate jargons and things if these are foreign to you. Savor the excitement of making a sound financial decision which brings in a huge windfall. Relish the joy and peace that comes from achieving wealth and financial strength when you achieve it. Then after the workshop, you can relate all your simulated experiences to the real financial world. Stretch your reality, and shift your mindset, change your context, and change your content. In this seminar you will see that being Rich and Financial Free is not that difficult after all.

For ticket reservations please contact Laurus Enterprises at (02) 902-0918, 211-6505, 0917-840-8880, 0922-890-8880, or visit 5/F Builder’s Center Building, 170 Salcedo St., Legaspi Village, Makati City, , email BeRich[at]laurusph.com or log on to www.laurusph.com.