| Thursday, May 08, 2008 |
| extra money |
i just couldn’t resist the offer of one of my trusted credit card company yesterday. they offered me a Manager’s Check with just a very small interest. and so i grabbed it, it’s instant extra money for me. though i still don’t know where to use it, hahaha. maybe i’ll use it to pay off some extra debts on my other cards, so as to update my balance and not have a bad credit credit cards.
or, a good idea would be to lend it to my Dad’s Lending Business so it will earn more interest, much more than i’ll be charged with the card. so that will be additional income huh. i just hope my Dad won’t give it to people with bad credit loans records. or else, my money will go down the drain.
whatever, i’ll just see what i will do with that extra money once i get hold of that MC.Labels: life |
posted by apple @ 11:14 PM  |
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| Monday, March 24, 2008 |
| Blog advertising |
i guess the latest in online advertising now is through blogging. you’ll get everything you look for in a just a snap of a finger. and both advertisers and bloggers get what they want in this kind of advertisement.
and guess what, i’m one of these people now. i get paid to blog anything and everything that i like. are you wondering how to advertise on blogs? it will simply connects advertisers with bloggers. advertisers can pay qualified bloggers to write opinion posts with links back to the advertiser’s site. i think this is really effective as bloggers share their experience and views on different products of the advertisers. and in this growing world of online blogging, this is just the perfect place to advertise your products.
so if you want to advertise something, why don’t you try this blog advertising. and if you are like me, a blogger, don’t you want to blog for money? earning while doing what you love most, blogging!Labels: life |
| posted by apple @ 9:51 PM |
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| Monday, March 03, 2008 |
| missing our 'house' |
before hubby and i got married, we've decided to get one of the housing loans offered by my company. it was supposed to be finished only months after our wedding date. but some problems came up with the developers and it wasn't finished until i became pregnant.
so for obvious reasons, my parents didn't allow us to transfer to our house because of my condition. besides, it's a little farther from where we are staying (my parents' house) so we all decided to stay until i gave birth. but we were already paying for the mortgages and all that time.
and after giving birth, we found it harder to leave my parents' house. yeah, talk about convenience huh. we didn't have a nanny because i chose not to hire one, i'm afraid of the horror stories around. then i went back to work which made it impossible to live on our own. then my parents got so attached with my son that it will break their hearts if we'll leave. a lot of reasons, really, that we've decided to just sell the house to my Tita. it was really sad on our part, but in a way happy because we are now free of monthly mortgages. =)
but in the near future, we are still deciding to purchase a house of our own. of course i want to live on our own, where i can be the only queen! and that will bring us back to paying mortgages and all the expenses.
and since our finances are limited now, need to know how much we can afford for this. good thing i found out this free mortgage quote in the web. totally no obligation, and they can even consider a lot of factors in their quotation. so this will definitely be a big help as we prepare for our major investment soon.Labels: life |
| posted by apple @ 3:35 AM |
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| i hate viruses! |
i think my laptop acquired a virus again, damn! i was alerted by my anti-virus software when i opened my thumb drive awhile ago. and guess what, the thumb drive was used by hubby in his PC, which means that his computer is infected too! waaah!
aside from the inconvenience that virus could bring, i learned from the life lock reviews that certain viruses can be used by hackers to corrupt files and get needed information. oh my, that's a big security risk!
and reading more of this lifelock reviews, i realized how fast and easy these hackers can steal your identity. with the latest technology now, nothing is impossible. so i think it's better to be safe than sorry. best to invest in something that will guarantee the safety of your identity and all your confidential information.
so better check this particular lifelock review as they are offering discounted rate in guarding your identity and life in general. and i don't think you can go wrong because they are offering 1 million guarantee in protecting your name. isn't that a terrific deal?
anyway, back to the laptop and virus, i think i need to do another round of formatting just to get rid of that virus, and be safe from identity theft.Labels: life |
| posted by apple @ 2:04 AM |
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| Sunday, March 02, 2008 |
| shopaholic? |
yes i am! and i plan to stay that way, hahaha. though i'm trying to control myself a little now because we're trying to increase our savings for bigger purchases.
so since i can't control it much, i just limit my purchases to sale and discounted prices. it's cheaper that way, yet still satisfying that urge, hehe. and one thing i'm really looking forward this month is the black friday sale! oh, i can't wait for the huge discounts they are giving out on so many participating stores. and what's really great is that almost all my favorite stores are there. and since i'm at times guilty when i shop for myself but feel all the reasons to do when it's for lil boy, i always check on babies "r" us and toys "r" us first! and i really get excited on cutie items and cheap tags huh. next items on the shopping list are for me and hubby of course!
and aside from all these discounts, it's online so i really don't need to check on these items physically and fall in long lines just to pay them. how convenient is that! c'mon shopaholic girls, check out the site and be a member of their email list so you can be informed when they post their ads.Labels: life |
| posted by apple @ 11:32 PM |
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| Saturday, March 01, 2008 |
| the gambler in me |
yes, i love gambling! but not professionally, we just do it for fun. though at times, there's real money involved to make it more exciting.
we've been playing cards eversince i was a kid, i'm always part of the "Black Jack" or "Lucky 9" games in my family during reunions. and would you believe that we were playing "Pusoy Dos" with my college barkada even during class hours, while profs were boringly discussing their lessons, hahaha! that's how addict we were, though no money involved because it was just really for fun and to 'maximize' time, hehe.
now, in our modern world, i miss that addiction that's why i'm on the look-out for the best online games in town. as there are a LOT, i tell you, need to find some sites who do online casino reviews. and i found it! i like it here because all the best casinos are classified per kind, so i can easily choose one that i like. and of course, who can resist bonuses? that's why i'm looking for the casino with best bonuses in this site.
i'll definitely share these sites to my 'gambling' friends so we can bring back that old addiction, haha.Labels: life |
| posted by apple @ 2:53 AM |
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| "debt threat" |
debt is really threatening, especially if you have more than you can handle. i guess all people have debts one way or another. lucky are those who are totally debt-free.
i have debts, lots of it actually. but i believe i'm a resposible payer, i don't want missing a payment, i hate interests and late charges! i don't want their agents reminding me about my dues and all. and most of all, i don't want to be blacklisted with bad credit.
but what is really the problem with debt? problem arises when you can't control it anymore, when you can't manage your finances well, and when you can't find where the money for payment will come from. but i believe this didn't develop overnight, it was a long unright process. you just realize the problem when you are deep into it already. so sad and unfortunate, right?
i know one who's into that problem right now. that's why i was telling her to seek financial advise because debts won't never go away if you just take them for granted. remember, interest counts daily! i guess it would be better to make certain arrangements with your debtors, than just ignore them at all. you can compromise and come up with certain agreements, like you paying him an amount which you are capable of. i'm sure the debtor will like it that way, than not getting anything back from you. there are a lot of ways in debt management, you just have to know what's suited for you.
once you've managed your debts, then a llittle control and being responsible, you'll surely bounce back into your normal life happy and worry-free.Labels: life |
| posted by apple @ 12:16 AM |
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| Friday, February 29, 2008 |
| call center problems |
since i was blogging how famous call center job is in our country, i suddenly remembered one 'tragedy' that a friend told me.
she has a friend working in a not-so-nice call center company. and knowing call center agents, most of them wear their headset almost 7 hours a day. and i guess the company didn't provide them personal headset units then, since they were just starting that time. and because it was obviously unhygienic, the friend unfortunately developed ear infection. because of this, her hearing was affected which made her lose her job!
don't you think it's unfair? she got that infection because of her job, then suddenly, she'll just be separated from work because she can't performed her job effectively anymore. and what did she get, just her last pay, no more, no less!
i guess she really has to do something about it. it was unjust and plain inconsiderate. i think she really needs to research more on this so she'll know what legal actions to take. and i better tell her to check on the net about the possible claims she can get from that personal injury. nothing to lose really, because you don't need to pay them when you don’t win the case. thanked god for these companies, ready to help even if they are not always 100% compensated. so she better try it and fight for her right. she deserves to be given something other than her regular pay, don't you agree?
i hope these companies will learn their lesson well and provide a healthy working area to all the employees.Labels: life |
| posted by apple @ 2:51 AM |
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| Thursday, February 28, 2008 |
| my credit cards |
who can resist credit cards? not me! my 1st credit card was when i was in college, it was an extension from my dad. i used it for my car's gasoline and some shopping, at my dad's expense. when i started working, banks just won't stop sending me pre-approved cards, and i kept on accepting them. haha.
until i realized that i almost maximized all of them. and all my salaries were going straight to banks for payment. so when i finally had that exra money, i paid most of them and just maintained 1 for emergency purposes.
but that was before, now i have a lot again. haha. i really can't resist whenever i received a credit card on my mail. i wonder what's their criteria on giving out pre-approved cards.
but i've read that credit card market has tightened their lending criteria now. blame it on people who don't know how to use it responsively. and i believe that these banks have their own 'blacklist' so they'll know who to approve and not. because it will definitely be their loss once a cardholder doesn't pay.
i had a friend who abandoned her debts because she didn't have money to pay for it anymore. so now, there are legal suits filed against her now. and for sure, she's included in the blacklist. i was telling her to just loan from other banks with lower interest rates so she can pay all her obligations and spare her from legal cases. or she can apply for those homeowner loans available. atleaast you can pay it in installment for a maximum of 30 years. you just really have to budget your money wisely so you can pay everything in order.
credit cards are really tempting, it's just a matter of self-control and being responsible.Labels: life |
| posted by apple @ 12:04 AM |
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| Wednesday, February 27, 2008 |
| casino again |
as i've blogged about my casino experience before and how we missed going to casinos, we are now planning to go to a casino in Tagaytay when we stay for a vacation at our house there. i guess that's a better and cheaper alternative to a real casino feel. we have to iron out plans soon as i'm pretty excited about the entire trip. and this time, it'll be with my family and 2 best friends only. so it'll surely be fun!
but for now, i have to content myself in finding the best casino online in the online casino list. i need to satisfy my urge and excitement and play all i want online first. besides, i think i need to practice with all those casino games so i'll be pretty sure to bring home money when i play in real casino. hahaha.
what's great about this is that they have online casino review so you're sure that you can find here
the best online casinos in town.
so go on and play with me. it's fun i tell you.Labels: life |
| posted by apple @ 10:29 PM |
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| proper training |
when i was still working in a telecommunications company before, we had a LOT of trainings. the management really allot a big budget for the training courses of all their employees. because they know how important these not only to the people but to the whole company as well.
with proper training, you'll surely get your people on the right track. and this will eventually merit your business. and now that i have my own business, i'm trying to recall all these trainings again, as well as review all collaterals before. and of course, the wonderful world of internet has a lot to offer. as i was searching on the web, i chanced upon a site offering effective sales training. not only that, they have courses like writing proposals and telephone techniques. these 2 things are really beneficial to my party shop business because i mostly communicate through phone only, and i usually close deals through my proposals. so i really need to know the right technique to do it.
with proper training, i'm confident that i'll go a long way ahead.
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| posted by apple @ 8:57 PM |
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| Tuesday, February 26, 2008 |
| my website |
as most of you know, my party shop business has its own website. and i'm really happy i bought one. it surely boosted my sales and got a lot of exposure in the internet world.
for me, all pros-no cons really! and it's cheap huh, you'll never expect that having your own "house" in the e-world is that affordable. but of course, you need to find the best web host because there are a lot around. the best option is to check web hosting choice. they have a lot of best web host to choose from, and they even provide learning area for first timers, so you wouldn't really go wrong.
go get one and let me know your site.
 Labels: life |
| posted by apple @ 9:23 PM |
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| call centers |
call centers are everywhere in our country. i guess almost 50% of newly grads are working in call centers now. but not only newly-grads but some professionals as well. i have a lot of friends who are call center agents, even my brother is. and i know that they are earning big time in this kind of work.
but why is telemarketing really booming now in our country? i guess we Filipinos are effective in communicating, answering queries, closing sales and everything in between. and i know how important these things are in a company.
having worked in a telecommunication company before, i just know how hard it is to sell and satisfy your customer's needs. there are a lot of kinds of customers, and you need to adjust to all of their individual needs. a certain product or strategy that worked for a customer may not work for another customer. that's why it's really necessary to have competent people to handle such concerns.
and since there are a lot of companies now to choose from, you must know which is really the best. a company not only concerned about quantity or the number of closed deals, but the quality of the service as well. because a customer will always go back to the companies with best customer service. and the agents must know when and how to follow-up with clients, talk about lead generation.
so it's really not that easy, as some people may think. it's really a job you really have to train and work hard for, just to satisfy your customers. so hats off to all our agents. =)Labels: life |
| posted by apple @ 6:00 PM |
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| i got approved! |
yipee, i'm so happy. i'm finally with PayPerPost. i got their email approval awhile ago and i immediately checked on my opportunities. oh god, there are a LOT, i tell you.
as some of my friends told me, PPP has a lot of available opportunites for bloggers. that's why i really wanted to join even before. the problem was, i didn't have that much time to spare for blogging as i had my hands tied on my family, work and business.
but now that i'm a WAHM (work at home mom), i definitely would visit PPP's site everyday. i love the idea that you can choose topics that you want to blog, not like in other sites where you are assigned certain topics even if sometimes, you really can't relate. atleast with them, you can just get the topics which are personally related to you.
and if still, you aren't convinced, go check their site and see for yourself. and once you've decided to be a member, don't forget to include a disclosure policy on your blog, you can get one at word of mouth ethics.
so to all my friends who are not members yet, c'mon and join me in this happy and 'worthy' world of blogging. i'm sure you too will have lots of fun.
 Labels: life |
| posted by apple @ 1:44 PM |
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| Sunday, February 24, 2008 |
| casino |
it was in 1996 when i first entered a "real" casino. that was when we went to the USA and visited Las Vegas.
whoa, what a place i tell you. everywhere you look, casinos everywhere.
unfortunately, i was below 21 then so i wasn't allowed to play 'real casino' or any betting game yet. so i just stayed all day all night with slot machines. and sip on free drinks while watching my brothers and parents playing on different games around.
oh i really would love to go back there. and i promise myself that when we go back to US, will definitely visit Vegas again..
but thanked god for technology, i need not wait for that time anymore before i can play slot machines again. they are now available ONLINE!!! yes, need not go that far and spend that much. i can just visit their site at online casino and voila, play all you want.
and since i'm old enough, i can play whatever game i want, haha. but of course, i would always love the good old slot machines like this in the online casino.
and what else is better than earning 'money' while playing. =)Labels: life |
| posted by apple @ 9:55 PM |
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| Wednesday, October 10, 2007 |
| online payments |
Having a website for my party shop business is really a great help in promoting my services. But being able to accept online payments from my clients will surely boost my business more. That’s why I’m happy to finally chance upon this great website which can help me accept credit card payments. This way, it will save time and effort for both me and my clients. We don’t need to meet up anymore just to hand over the payments for my party services.
Being a busy mom and party owner myself, I love doing businesses online also. And it’s definitely very convenient to do everything with just a click on your computer, from inquiry to payment. So for all business minded people out there, it’s time to think about your client’s convenience, so better fill up this application form and expect online payments coming your way.
For more info and details, please click their site and find the link that will best suit your business, there’s one for every kind.Labels: life |
| posted by apple @ 12:15 AM |
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| Tuesday, October 09, 2007 |
| Blogvertise |
Everybody is into blogging! So I guess it wouldn’t hurt if I join the wagon. =)
I’ve tried several online opportunities before, but it was so hard to reach their certain quota. Good thing there’s now this easy online blogging, such as http://www.blogsvertise.com/.
I’ve registered in other blogging sites also, but I guess http://www.blogsvertise.com/ has the easiest and fastest process, because my application was approved in less than a minute. So now, I’m on my way to happy blogging!
So for all of you bloggers who haven’t joined the crazy and happy world of blogging, please visit http://www.blogsvertise.com/, and you’re sure to getting that "extra" while doing what you love most. =)Labels: life |
| posted by apple @ 6:20 PM |
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