Filipinos still prefer to carry cash rather than using their debit cards to make a purchase. For the few (like me) who insist on paying using debit, credit or even cellphone wallet at the counter, here are tips that are helpful to manage such transactions:

photo credit: craiova (SXC)

Register for online banking systems. Almost all major [...]

photo credit: scataudo (SXC)

A freelancer in the job marketplace has to think of himself as a product or service: he should be able to package himself in such a way that he is easily noticed by the potential clients. There are more and more people getting into freelance jobs full time or part time and [...]

Freelancing is similar to a corporate job which is geared to climbing up the ladder towards management. If you have tried your hands in being the rank-and-file employee, then being a supervisor, then being a manager – freelancing jobs is very much similar in that degree. Freelancing starts with competing with a big crowd of [...]

photo credit: DaleEu (SXC)

I have tried my hands learning Java, Visual Basic, Perl, C, C++ and other programming languages but I still consider Visual Basic as the fastest way for me to develop databases. If you are in a corporate setting who needs databases written out, then Visual Basic is the way to go. When [...]

Unlike an employed job, freelance is more like having a batch of jobs to juggle and then nothingness. It is like a roller coaster ride to the top – where you earn a great deal and to the bottom – where you get all the time to sleep and eat and earn nothing.

photo credit: hopee [...]

Windows SP3 is now officially released! Although it has already been around for its beta stage, now the robust operating system that powers more than half the world over (and almost all of the Philippines). The new service pack can be downloaded from the Microsoft download center at no cost.
You can download the whole service [...]

Don’t lose hope when a buyer decides to put you up on a low rating! Being given a low rating for your latest job does not mean that you will not be able to get freelance jobs in the same freelance company in the future. Giving up on a single job means accepting defeat on [...]

Several times I have experienced losing cash to unscrupulous individuals. When I was still employed with a company, I have experienced losing a month’s worth paycheck for about three times. In one of those instances when I lost my wallet to a group of pickpocket criminals while crossing a busy street, I lost a significant [...]

UPDATED: February 18, 2009
The Payoneer virtual bank account is NOT yet offered to all cardholders. This facility is currently under pilot stage where few selected account holders were invited to take part in this new service that will be out soon. To learn more about Payoneer, click to my experience on receiving my Payoneer card.

Here [...]

I tried to compare the exchange rates of Paypal and Payoneer to check which of these give better exchange rate. Payoneer puts on a 1 to 3% currency conversion fee as dictated by Mastercard, while Paypal puts on a 2.5% currency conversion rate on top of their wholesale exchange rate.
I got into my personal accounts [...]