The Lady Programmer

At first glance $1/hour payout for a freelance data entry provider is better than most office clerical jobs that are offered full time. One can just make a quick computation of how lowly paid an employed worker is by just taking the total monthly salary divided by the number of hours spent on the job each month. But, is being a freelance data entry provider better than being employed as a data encoder or clerk in a huge multinational company?

In getting self-employed, there are other important factors which must be taken into account. Success in freelancing means that one must be able to understand one’s personal and business cash flow – the resulting hourly rate should be competitive as well as still make a good living.

Look at the Freelance Job Marketplace Rates First!

Typical rates of data entry providers run anywhere from $1 to $5 per hour on many freelance sites: most offers seem to favor hiring to those who are willing to take the lowest $1 per hour rate. Personally, I didn’t think this kind of pay is enough for the freelance data entry provider to live comfortably – which is further confirmed with the estimate I had outlined below (assuming that the freelancer is honest and wants to update all contributions).

This computation assumes a single freelancer living alone without any dependents and doesn’t even need to rent a place to stay. continue reading »

The dollar currency mentioned here are all in US dollars. Happy Holidays.

Did you know that Skype lets you make cheap calls from the Philippines to the US landlines and mobiles at only P1 per minute?

I know for a fact that, Skype to Skype, YM to YM and GTalk to GTalk voice calls stay 100% FREE as everyone may know. However, I just happened to have relatives in the US who do not have Skype, YM or Gtalk installed in their computers and don’t go online most of the time. Our family used to accept calls from them via landline and had to make calls only when there’s a huge family problem. We just could not afford to hold long conversations for some little casual chit chat.

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I keep on getting emails and even get to chat with a few online friends that they want to make a big career change move: quit to job then go to freelancing or problogging (bloggers earning income from blogs such as blog advertisements).

One email I got said that she is planning to quit her job and just go freelancing. She plans to start building work history right after she resigned from her job. She could not explore freelancing while she is employed because the job takes a lot of her time.

I’ve got so many old friends who were suddenly interested on how I earn online these days (both from freelancing and blogging). If they happen to be skilled in Information Technology, writing or even both, then they can be able to get online freelance jobs successfully. Those who are interested in earning from blogs need to improve their writing skills and eventually move to learn SEO. However, their interests were short-lived even if they wanted to learn the ropes.

I helped two friends start their own blogs to earn from them. After that one session, they were not able to update it as often as they should. They were just too busy with the day jobs.

To be successful in this venture, people need to be able to honestly answer these questions:

1. Can I afford to quit my current job?
2. Do you have the right skills and experience to go into freelancing?
3. Am I able to learn new skills quickly with my own resources?
4. Is there a huge demand for my skills and experience?
5. Can I have a social life at home with online friends all around me most of the time?
6. Am I a master of my own time?
7. Do I have the nose for new income opportunities?
8. Do I tend to decide just early enough to get started?
9. Do I tend to be a bit ahead before everyone gets to discover the awesomeness of a good opportunity?
10. Am I thinking about making the preparations for freelancing or problogging over several weeks?

All the questions are essential to the success of a freelancer, but I’ve bolded the most important ones. If you can say yes to most (not necessarily all) of the questions above, then you may be a good fit for freelancing.

Freelancing and problogging always give better returns compared to regular salaried jobs to those play the cards right.

For neophyte freelancers, I’ve always recommended that they learn the ways on how to talk, communicate and negotiate with other people and think the business way. For aspiring probloggers, they just need to start out their own free blogs in Blogger (not WordPress.com – it is a platform that does not let you post advertisements in their blogs) then watch and see over time whether they blogging is for them or not before they waste their time, effort and money on things that may probably not work out for them (talking about perception and persistence!).

I often see VCCs or virtual credit cards being sold usually at the forums to verify one’s paypal account. Many could attest that using these cards are effective, but I learn from Selaplana’s post that VCCs are not recommended. As he says it:

You can buy VCC from VCC providers for only $20 to $60. It’s just virtual (not physical credit card) but its functions are similar to credit card. This kind of credit card expires in a short period of time from 24 hours to 6 months. So, if you’ll use this, make sure to buy a VCC that expires at least in 2 months.

However, I don’t recommend it. There’s a problem with it especially if Paypal will request copies of your credit documents. You couldn’t provide one if you’re simply using the VCC.

Seriously, problems with Paypal happens too often (I get lots of emails on how to lift of Paypal limits, which requires a user to fax personal documents, so there must be a lot of people who encounter trouble with their own accounts) so this further proves that VCCs are not recommended.

I had been able to get my second Payoneer card several months ago (I think last May or June) and I got that activated just before my first Payoneer card expired last August 2009. I got my Payoneer card free through oDesk.

The new card’s physical appearance is no different from the old one. It’s still the sleek shiny and black that looks better than most local debit and credit cards I’ve seen here in the Philippines. Once more, I get to use the card for three years before I get to contact Payoneer again for a replacement card.

I went through the instructions of reactivating the card several days after I received it through snail mail. I contacted Payoneer’s live support to activate that new card and disable to old one. I remember chatting to the support for about 15 minutes just to perform this one. My virtual bank account too, was transferred from my old card to the new one.

Ideally, this card should work with any ATM machines and credit card terminals that bear the Mastercard logo.

I was excited in using this card, only to notice later that they won’t work with Banco de Oro ATM machines anymore. I always get an error message from any of their ATM machines. I’m not sure if they don’t work with BDO Mastercard credit card terminals but I sometimes notice that my card is declined, even if my card has funds loaded in it.

I have no problems withdrawing funds from Metrobank and BPI ATM machines. But I would still love to have my Payoneer card work well with BDO ATMs because these are more accessible to me. Metrobank and BPI ATMs aren’t safe places to withdraw funds here in Baguio.

I keep on wondering if I am not the only Payoneer card holder experiencing problems with BDO ATMs. Right now, the only solution I can think of is to contact both Payoneer and BDO for this concern.

If you had encountered the same problem, suggest on what’s the best way to deal with this or even provide possible explanation why my card doesn’t work with a specific bank ATM, let me know through the comments.