Browsing Category: "Home and Finance"

Letting Go of My First Ever Blog and Migrating the Contents

Living in Korea through independent visa a few years back means I am not allowed to work and without source income it means I can’t send money home.  My family is my sole responsibility with the help of J’s laptop which I am allowed to use when he is at work I searched for ways to work and earn money at home. I found several blogs that teach me how to earn money online, I tried paid to click sites but the earning isn’t promising and then I found out that it is possible to earn money online by only writing about myself and my daily life and this thing was called blogging. I created my first blog at blogger.com, a free blogging platform and was able to buy my first domain a year after.

Mentioning about it, my very first domain will bid goodbye soon since I am not planning not to renew it anymore. It’s very regretting because the blog I have to let go has traffic, ranking and thousands of its pages has been indexed by Google. It’s very saddening too but I have to let go of it since maintaining a lot of blogs today isn’t a great idea when I can’t update them all. I have already planned to republished the article in my other blogs according to niche, I have already moved some personal post about living in Korea (2009-2014) over here, so if you’ll notice my archives here there are old posts added in them. I have a lot of personal posts on that blog since it was my first ever domain and my first ever blog in the web, that’s where I post everything about daily living in Korea before this blog came.

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Business is Down: Broken Printer (Paper Jam Problem)

Nothing much happening over here after my aunt’s burial, the water supply is becoming more scarce and the water pumps are drying. The nearby water station can’t supply enough water anymore to their customers so some people are running towards us to buy drinking water, my mother didn’t stop getting purified water in town because we use it for drinking too.

The printer I have bought last year for my family was broken, the paper suddenly jammed and it stopped printing after it prints more than one hundred pieces of program for clan reunion. My family brought it to the repair shop but was told that the printer has 50% chance to be repaired, the repair man could open it and try to fix but we have to pay ₱500 either it is fix or not for his labor so my mother brought home the printer unfix. The repairman suspected that the sensor was broken and if a sensor was need to changed he advised  my family just to buy a new printer because the broken part will cost a brand new printer, he also added that Brother printers are good but they sucks in some aspects, most of the Brother printer brought in his shop has the same issue.

We accept program making and printing and the program for the grand reunion was the first one this year, it wasn’t that profitable but a little something is better than nothing.  We earned ₱1,000 for this transaction but I didn’t get hold any of it since we have bills to pay, it was summer time and the fields are dry so my father can’t plant rice grains in the small field he is minding.

So today, our one source of income at home is dead and it will only resume when we buy a new printer. I have told my family that I can’t shoulder the cost of a new printer again since I have bought the previous one, it is going to be their turn to buy a new one this time which I think is just fair since they’re the one who collect the earnings from printing and program making.

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Attending Direct Selling Annual Convention

Attending event isn’t really cup of my tea I preferred staying home to watch movie or read online but my mother and sister persisted that I should come with them when a direct selling group they were affiliated hosted an annual event. My father has prior engagement too at the same time so I ended up going with them then I won’t be left alone at home doing nothing while everyone is enjoying and eating good food.

Personality Development Demonstration

The annual event was held in beach resort but not everyone could just go there unannounced since you must buy a ticket before the event. The ticket cost ₱200 ($4.33) and it covers food stub for the catered food and the ticket too will give a participants a chance to win a Samsung smartphone in a raffle.

The event was divided in two parts, the first part was Personality Development with Ms. Odiongan Candidates, the candidates ramp one by one and they were included during makeup tutorial and demonstration hosted by Ever Bilena’s representatives headed by Ms. Angelique Marañon the direct sales supervisor for South Luzon, the second part was the proper program, games, giving of gifts and freebies, raffles and announcing of the top sellers, I won a bag as consolation prize in the raffle and few make up freebies from games and answering a question that was asked.

Careline Makeup

Other than Ever Bilena’s representatives, representatives from MSE were also present to introduce their new line of cosmetics which is San san makeup and one person also gives information how to use Maxi Peel properly, then afterwards they offered over 40% discount in San San’s makeup with a chance to win prizes, the makeups can only be bought in cash. We bought one set and when my mother is already getting ready to left since there is only one prize left to be given and people are already leaving, her name was called for the last prize which is single burner stove.

The event was very successful and I learn proper makeup application from Ever Bilena representatives, I will  write about it in a separate post.

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Applying for a Cooperative Loan

The other day someone came to our house for CI process, it was from a cooperative.  My mother loaned an amount so we could pay some bills, it wasn’t a great idea but that’s the only way to get emergency money. The CI person happened to be my father’s batch mate in school and he asked how many children my parents has, then he mistaken me as the youngest daughter and was surprised when my mother told him I am already married so he blurted out why I married early and married first before my sister so I told him I am almost thirty and I am the eldest daughter which I think shocked him that he has to asked my age twice to confirm if I am not joking about my age. LOL

Contract, Business, Document, Sign, Deal, Legal

[Photo courtesy of Picsues/pixabay.com]

Anyway, my mother was an old member of the cooperative but it was been almost two years since the last time she loaned from them after I told her to stop borrowing and my father lost his job subsequently but just recently she applied for a new loan but the cooperative subtracted the debt that my mother made from their grocery store a few years back as well as the gallons that were used in retailing water so she only received half of the money she loaned.

The loan is payable in six months but you have to pay installments weekly. If you are an old member a CI process is still needed if it was been a long time since your last loan from the cooperative, they have to investigate if the member is able to pay the loan within allotted time. Their policy changes, since the cooperative is now asking for a collateral items maybe many of the members were not able to pay their loan on time.

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My Payoneer Card is Blocked

If there is one email that will make you fell in your chair that is an email from your credit/debit card company that your account has been compromised and blocked. I was shocked today when I received an email from Payoneer Customer support that my card has been temporarily blocked because of an attempt to charge my card from large online supermarket in the UK. Maybe the hacker purchased a huge amount of items or groceries but since my card has only a measly one hundred dollars in it, it maybe alerted the system.

Payoneer is a financial services business that provides online money transfer and e-commerce payment services. Payoneer is a registered Member Service Provider (MSP) of MasterCard worldwide. The company is headquartered in New York City with R&D offices in Tel Aviv, Israel. – https://en.wikipedia.org/wiki/Payoneer

Payoneer Card

Living in Korea in independent visa a few years ago I never had a chance to work nor open my own bank account, and since there’s isn’t a way for me to withdraw my online earnings in Paypal to a Korean bank account and it has been disturbing to J to send money to his paypal account and to his bank account, I have searched method how can I withdraw and used some of my earnings in Paypal. That’s how I found out about Payoneer, and since then Payoneer became a big help to me, I was able to buy things and gadgets from my own money and I have never had a problem using Payoneer card abroad, I can use it to shop online or withdraw money in ATM machines worldwide with Mastercard logo in them.

Well, I have no idea how the hacker stole my card number and other details stored in it, the last time I have used it online was to renew domains in Godaddy last month. My Payoneer card is near on expiring in a few months and it should be renew soon but with my situation right now, financially and emotionally unstable I am .

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Goodbye Blogging?

More of my blogs will bid goodbye before the year ends. It’s sad not to renew them since they have page ranks but I have no choice I can’t pay the renewal fee anymore, it is getting expensive to renew the domains and blog opportunities are getting scarce these days. I have only earned about $20 for the month of November and it isn’t even enough for my internet load expenses, how much more domains renewals?

Upon updating the site metrics I have found that most blogs and websites went down, the domain authority dropped tremendously which is not a good sign for bloggers since it is a very important measurement in websites popularity after updates on page ranking was stopped by Google.

Blogging

Well, I don’t know what I should do now since I can’t design blog themes anymore, the internet speed isn’t good enough to constantly reload a website while designing it, it requires a strong internet connection to upload images repetitively, and there isn’t an order for new theme designs anyway since earning through blogging is very slow making the bloggers can’t afford to buy personalized theme for their blogs.  It’s true that a lot of my blogger friends quit blogging and look for regular job; I guess I must do the same but with the number of unemployed graduates in our town my chance of finding a work without a connection is slim. I guess I should start accepting laundry task from neighbors or learn carpentry skills huh?

Maybe in a few months, or a year I’ll be gone in blogging world and the internet and I’ll be just at home looking at the ceiling and counting lizards. Even so, all I pray is to have food in our table enable us to survive living.

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Home-Based Business: Buying and Selling

Buy and sell business is profitable if you have loyal customers who know how to pay without giving you a severe headache when their due date for payment came.

When the internet connection is good, browsing on shopping portals online became my habit since the products were loaded immediately.  A week ago, while looking for dresses I have found a sale on clothing and  I have informed my mother about it, and I was told if I have budget for it I could buy few and we could sell them in higher price. So I have ordered 8 short dresses to start with, when they arrived the other day, my mother and sister brought them to prospected client, three of the dresses where immediately taken and another one were taken separately so there is still four dresses in our care, hopefully we could sell them too.

F.101 Short Dresses

The dresses were not bought as cash by the people who took them; they are one month to pay so I have to wait a month before I could get the payments. I have been planning to do buy and sell business when I have enough capital to start with it because I cannot forever depend on my father’s care since working online isn’t good anymore, lots of bloggers copied me too for being a link broker so the trade is really slow.

My mother suggested that buying and selling appliances, gadgets and other electronic devices will be profitable since most consumers wanted to own this things, but I need ample amount of money to start on that trade, all I can do right now is to sell few dresses in affordable amount and hopefully it works well without being copied by our neighbors.

Well, maybe if I got lucky and won in a lottery I will be able to build a clothes and beauty products shop in front of our house, since my Uncle has no plan yet to use his lot.

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Earning Extra Cash from Home Through Printing

Earning money from home is possible if you know how to work with it. My family is accepting research, photocopying, typing and printing job at home. I think it helps that I worked in internet providing company with internet shop a long time ago where my sister stays at my work during lunch break and there are times I let her work with me or as substitute when I am not feeling well and she has no class schedule in school.

When I sent home my old sluggish laptop, they bought a cheap printer to accept photocopying, typing and printing jobs.  The earning per day isn’t big, there are times there is and there are times there’s none.  It is expected because our house isn’t in town nor in front of a school, people who need things to be photocopied or printed just came when they need it. The earnings which is sure is the $2-3 earnings per week from printing service program for the church beside us and the same amount monthly for the electric cooperative in our barangay.  Isn’t big but it is one of the business that we though nobody can copy since not everyone knew how to do it.

Brother DCP-J100 Printer

The old cheap printer they bought is already worn out, there are times it stops printing and you have to hit the printer hard so it will run. When we left South Korea, I have send J’s printer home, they were able to use and have the ink converted to CISS but it didn’t take long because the cartridge stop working, it was initially dried up when it arrives to them and someone they knew just made a way to fix it but since the cartridge is only available in Korea the printer became useless. It was just left in the corner to collect dust.

When I am able to earn enough money online to buy a printer and I found a huge savings from an online portal, I bought a new printer to be use in our small business so there will no pain in the ass when the old printer stops, and my sister will not refill a lot anymore. The printer I purchased online is Brother DCP-J100 Multi-function printer, at first we thought it can copied legal size paper since it has 200-400% reducer but it turns out it only caters A4 size paper. The printer is CISS ready and by passing the close printer error is easy.

Well so far, within almost a month since we bought the printer we already earned almost $10, quite small but a little something is a blessing and it is better than nothing, isn’t it?  This little something is helpful to buy small things especially when my father doesn’t have a job. If your house is in town and near a school you can do this business too and surely your earnings is much bigger than what we earned at home. You might earned $10 per day or more if your location is good.

So far this is the home-based business that our neighbors can’t copy yet, but who knows in the future.

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Protected: Home-Based Business: Dealing with Copycats

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Future Plans, Do I Have One?

Our father asked us what our plan is for the future. He is encouraging us to find work so we could support ourselves. He said he is not getting any younger so he cannot support us forever. He was out of job for almost a month and he just recently got a one week stint.  I would like to work but I can’t get a job in town, first nobody will hire me because they thought I am already rich, second the jobs that are only available in town is being a saleslady that has a minimal salary of ₱2,000.00 monthly ($44.44) which is just enough for everyday fare or maybe it is not even enough.  It is the same for my younger sister, she couldn’t find a decent job that will allow here to earn and save money, she tried to apply to a government office but in the end those applicant with strong backer or long experience were the one hired.  I’ve searched for jobs abroad and I found out there is an age limit of 29 or 30 years old to work in a factory and even if they hire exceeding the age limit the applicant should have an ample experience or already an ex-abroad or have already work abroad before so this option is crossed out in my lists.

Anyway, my sister can try to work abroad since she is younger but she needs ample money to do it since we live in the province and she must stay in Manila to find a good agency, and it doesn’t just end there because she has to pay huge placement fee that cost $$$$ -$$$$ before she can get the job and work abroad, medical fees and etc. are not included in that fee so it is really going to be hard for us to support her if she decided to work overseas. There are some agencies that offer no placement fee jobs but it will mean you will pay that amount every month and if you are only earning $$$-$$$ per month, you have to work like a slave so you could pay your agency in six months or one year. No wonder most of my relatives who work abroad were not able to save money or have their house finished, because their salary isn’t enough.

Depression

Here is my plan, to jump off the bridge when nobody is looking around.

So what is my plan? I don’t know I have nowhere else to go, if I was only a man I could maybe do carpentry jobs or work as a driver then drink all night to drown myself with liquor. I really have no plan for my future because I am tired of living, I’ll just maybe excitedly wait for the day I have to go and leave this cruel word. Well with the blogging industry going down, I am earning less than or a little more than $100 a month on my work online and but it isn’t enough to save since sometimes there is no earnings and then I have a motorcycle loan and I have to buy internet load that cost $34 per month. So I guess I will just live with that amount until I grow old, until earning online is possible. My father is pushing us because he is anxiously thinking what would be our life when he can’t work anymore, nobody is going to help us (his children) unlike if we have a stable job or already have our own family we are not going to be alone to overcome life and its trials, and he will not be scared for us.

Well, I’ve planned to return to school this second semester to take up education units but I don’t think I am ready to see my old instructors and professors, they’re just going to ask me how am I doing and where’s J. I have thought too, what is it for? Why I have to take education units when I know I won’t going to need it, when I don’t have a plan for the future.

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