Monday, October 10, 2016

ShopBack Singapore - Make Money While Shopping Online

What are the reasons for me not to go directly to physical stores for my needs.

1. Congestion.
2. It takes a lot of time to go through each garments/products the establishments are offering.
3. There is more discounts in online shops. (Like Groupon and Zalora)
4. Free delivery.
5. Cashback. Yes! Cashback!

I am sucker in purchasing online, so you will not see me in malls unless I am there to eat or there is emergency things to buy like gifts. I am so envy with my friends that are availing Swagbucks in US. Now, ShopBack Singapore is here to stop my enviousness. Whew!

ShopBack Singapore - Participating Merchants
ShopBack Singapore - Participating Merchants


Lazada, Groupon, Guardian and more merchants are joining the squad. Now I am looking to ShopBack with my travels through Expedia.sg.

Below are the payment proof made ShopBack Singapore made on our account.
So what are you waiting for? Join ShopBack crowd and get some real money while you are buying your stuffs online! Happy shopping!


ShopBack Singapore - Payment Proof
ShopBack Singapore - Payment Proof


Thursday, October 6, 2016

FREE (WordPress vs Blogger) or PAID Web Hosting

We were instructed to buy a domain name and register for a hosting site before we step our foot to Peng Joon's Internet Income Intensive seminar last January 2016 here in Singapore. And after that 3-day event, I am ready to grind, but my inner me is yanking that I do not need paid hosting sites to build up a new blog. I keep on thinking about it for days..and days. My husband is in full support and even my friends who have their own sites agreeing what Peng Joon taught us that we need a paid hosing site. BUT I cannot shake off the fact the mission I am in. The mission to help people in getting their own site for few bucks or no cost at all.

Then, I talked to my very close friend who have no idea about building sites, SEO and whatever. I talked to an outsider of the business. And truth slapped me to the face when she stated insights about blogging. And on that, I decided to dig deeper. While in limbo of this immensely complex world wide web, I cannot suddenly log-in on my HostJill account, send them email about it but took for almost one day for them to acknowledge my case. I take it as a sign, instantly e-mailed HostJill to refund the hosting I have paid and decided to stick to Blogger.

Why? Many well-known people in blogging world that will recommend or push you to get a hosting site, that is in fact they are affiliated with. Yes! They are earning from every signup. They will drag you the issues about uncertainty on security, reliability, storage, support and assistance and many more. And to repel those problems that may occur, go for the best companies that hosting sites, Blogger (by Google) and WordPress.

Do you think Google will allow to breach your security? Do you think Google will leave behind their own Blogger in search engine ranking? Do you think Google will compromise its name because you are not paying them? Well, think again!

And that made me decide to stick to blogger. Yes, I am talking about our blogspot accounts. Not WordPress. Why? Below are their differences:

Blogger vs WordPress.Org
We are more inclined to help people via the reviews were are taking. My husband and I, maybe like you, have been victim of a hype done by some paid bloggers to advertise/promote some businesses. (Do not get us wrong, we are not resentful towards them, we do also have offers for paid blogging and conjugally we refused) In truth, we believe more on the reviews of non-celebrity blogs than the famous bloggers.

I hope this insight will somewhat open up new ideas whenever you have the plan to build your own site.

Have a great day ahead guys!

Wednesday, August 17, 2016

Why We Do Not Buy/Invest Condo/House & Lot in Philippines For Our Own ?

Eh bakit nga ba?

2007 pa lang, I am on a hunt to buy a piece of property. Nag-scout ako ng bahay at lupa and condo, kaya masasabi ko na medyo exposed na ako to this kind of matters.

On viewing day of a certain condo sa may Taguig area. Tinanong ko yung ahente. "Paano kung nasunog, lumindol, or kung ano pa man ang mangyari at bumagsak ang building. Paano yung property? Itatayo nyo ba ulit?" She answered me back with a shocking truth about condominiums. "Nope. Ibebenta ang lupa at paghahati-hatian ng mga owners and pinagbentahan." Ang swerte mo na nun kung mag-breakeven kayo sa pagkakabili mo ng condo + association fees + yung pagkakabili mo sa kakarampot na space for garahe ng sasakyan mo + obligatory insurance + real property tax ng unit mo at common area. Oo, isama mo na ang halos kulang na Php25,000 sa installation ng Meralco and Maynilad. Meron pa! Ang transfer of title (arghhh). So from that day, nawala na sa vocabulary ko ang salitang "condo".

At isa pang tumanim sa utak ko na sinabi ng nanay ko ay "Ma, lupa. Lupa ang bilhin mo." Kaya nag-hello ako sa idea na House & Lot. Tama House and Lot. Hindi lot lang. Bakit kamo? May mga kakilala/kaibigan ako na napasubo sa mahal ng gastos nila sa pagpapatayo ng sarili nilang bahay at binalasubas pa sila ng architect and contractor nila. Andyan crack agad ang sahig at dingding, tumutulo agad ang mga pipes, at iba, after matayo yung pundasyon, iniwan na lang ng contractor. May sahig, may bubong, may dingding pero walang finishing. Kaya talaga yung iba, mababaon sa utang mapatapos lang ang "dream house" nila. Pero hindi sumagi sa isip nila na yung dream house nila ang magbibigay ng bangungot sa kanila sa walang hanggang pagbabayad ng mga nautang nilang pang-pondo.

Ngayon na alam ko na matagal na gusto ko ay bahay at lupa. Bakit di pa nga ba ako nakakabili? Ang totoo nyan...wala pa kaming budget na mag-asawa para dyan. Pero do not get me wrong. Naka-pagscout na kami and nakita na namin ang gusto naming bahay. Alam na namin ang presyo and based sa computation namin sayang ang pera. Haha.

Bakit sayang eh para sa amin naman yun? Kasi pag binili namin yun, wala na kaming pang-fund sa mga investments namin. Ayaw namin na nakatira nga kami dun sa pangarap namin na bahay pero kailangan namin magtrabaho ng 20 years just to pay it off. Ayaw nmin matulad sa iba na nung nawalan na ng trabaho eh nahinto na sa pagbabayad ng bahay..ayun na-remata ng bangko ang bahay at lupa na tanging pinag-ukulan nila ng pagod.

As of now, we are focusing on our cashcows. Investments that will work for us to fund our dream home.

Para makatulong sa inyo makapag-decide kung kaya nyo na ba bumili ng property ngayon, tanungin nyo ang sarili nyo ng ganito:
   --> Sa bahay/condo ba na gusto ko ay may ipon na ako worth 30% ng ng kabuang value property, Bakit 30% ito ay sasagot sa downpayment at may pang-buffer pa kayo kung may singilin man sa inyo na miscellaneous cost.
   --> Yung monthly na hulog ninyo ay hindi lalampas sa 30% na take-home pay po. Bakit? Di pwede na halos buong sahod mo ay pangbayad mo lang buwan-buwan. Paano ang pangkain mo? Pambayad sa bills at pamasahe mo papunta sa opsina? Sige nga?
   --> Kaya mo ba magbayad kahit mawalan ka ng trabaho bukas?(Huwag naman sana) Paano kapag nangyari yun? Bebenta mo ng palugi?

Mag-isip mabuti tayo mga kababayan kung kaya na ba bumili ng condominium/house & lot. Ito ba totong maging "dream come true" sa inyo or magbabaon sa inyo sa utang.
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