Spend and Save: What’s on My Wishlist?

Wish I may, Wish I might… They say, wishes do come true. Let’s see!

Holiday is coming so fast! Big % Sale from online shopping is predominant. We shop for fun, for pleasure or as de-stressifier (let me coin the term; meaning to relieve stress).  Sometimes we have that list of what we seriously want with anticipation  that it can be granted. Knowing that now shopping can give us back a part of what we spend which later will turn out as savings, maybe “wishing” is an understatement. How? You can check out my blog about Shopback here and learn more. Wishing is not just day dreaming but getting close to reality.

Here is my wishlist found in Lazada and CashCash Pinoy:

1. GoPro Hero4

Am I the only one who does not have  a GoPro? I know I have DSLR and a smart phone to take pictures of the places we go to. But I want something handy and water resistant cam to record and/or take a shot of my kids as they play around. Lazada offers 4% cashback for existing customers while 10-12% for NEW customers. With the amount of P 16,599 at 4%, I will be able to get back P 663.96 which is redeemable after a few days after my online purchase. 600+ bucks is good than nothing. It has great reviews represented by 5 stars. I know I won’t go wrong. Starting to like Shopback.ph?

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P663.96 – P1,599 cashback thru Shopback

 

2. GoPro Hero4 Accessories

Having a GoPro is not enough. There are available accessories for aesthetic purposes  and to maximize the use of GoPro. An Aluminum Cage and Dive Filter Lens for a start. Getting these items will give me a 4% cashback of P88 in total. Still an amount to look forward to.

3. Dashcam

Nowadays, road accidents and violence are rampant. It would help if we have a recording device to capture those unexpected moments. I looked into the view angle 120-140 degrees, freebie SD Card from 8gb up to 32gb, night vision, quality 1080p, and lcd screen size. I can’t have them all. But this one is fair enough. My cashback will be P72.40.

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4. Drone Camera

Ever asked why these are all capturing devices?  I just love to capture our precious moments. Life is short. You only live once. My kids will grow up and memories are all I have when that time comes. This gadget will give me P180 in cashback.

Screenshots_2016-08-13-20-05-56

5. Trip to Maldives

All set with the cameras! Let’s go and explore! Needless to say, it is Maldives! A wonderful vacation and cashback in 1. I found it at CashCash Pinoy. An aerial view using the Drone camera is best to use in here. A 2% cashback will be P561.20. It can pay one dinner meal.

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There’s my top 5 wishlist! What’s yours? If you want some savings like how I do my online shopping, register here. Ciao! 💋💟🌹🌻🌺🎁

BIR Form 2307: Attention Freelancers

One of the most important forms that employees doing freelance jobs on the side, employers who accept project-based or freelance employees and freelancers must know about is the BIR Form 2307. It is something you must file together with your Quarterly/Annual Income Tax Return – BIR Forms 1701Q / 1701 for individuals, or BIR Form 1702Q/ 1702 for non-individuals – for income tax liability. Read on to learn more about it.

What is BIR Form 2307?

The BIR Form 2037 is also called the Certificate of Creditable Tax Withheld At Source.

This certificate shows the income subjected to expanded withholding tax paid by the withholding agent.

BIR Form 2307 in the books of accounts of the taxpayer is accounted for as an asset. They are considered as income tax prepayments – being deductible from income tax due of the taxpayer during a quarterly or annual income tax return.

They function as income tax credits or what you can consider advance income tax of the payee.

This is what the BIR Form 2307 looks like:

BIR Form 2307 - Full SuiteWhat is it for and who needs to file it?

Issuance of BIR Form 2307 is an obligation of the payor and/or employer – withholding tax agent to the payee.

It should be submitted together with the Quarterly/Annual Income Tax Return – BIR Forms 1701Q / 1701 for individuals, or BIR Form 1702Q/ 1702 for non-individuals – so that the amount of withholding tax shall be allowed as a tax credit against the income tax liability of the income recipient in the taxable quarter or year in which the income was earned or received.

When is the BIR Form 2307 issued?

The certificate is attached to the following with different deadlines:

  • For EWT: to be filed on or before the 20th day of the month following the taxable quarter, the form must be attached to 1701 or 1702 forms, in which case the amount is allowed to become tax credit against taxable income.
  • For percentage taxes on government money payments: certificate must be attached to 2551 forms and must be issued on or before the 10th day of the following month.
  • For VAT Withholding: certificate must be issued on or before the tenth day of the month following the month when withholding was made. To be attached to 2550 forms.

Credit: full-suite(dot)com

Get Paid while Shopping!

Shopping is loved by anyone, may it be ladies, gentlemen or our friends from the LGBT community. But, sometimes our wallet cries out silently because we spent the money allotted for savings. Ouch! How would you love shopping more if you get a cashback from the money spent? I am not talking about the cashback credit card. How true? Cashback shopping up to 30% is now possible with Shopback.ph! And you can still take advantage of the promotion codes or discount codes from the online merchant. It is about time to save up some money and buy the items you need and want.

Credit: business-travel.gr

The Shopback was already featured in The Manila Times, Philstar, Inquirer.net, The Business Times, TechinAsia, Deal Street Asia, The Asian Entrepreneur, and the Vulcan Post. If I may add, featured now in my blog post in partnership with Shopback Philippines. It also has operations in Singapore, Malaysia, Indonesia and India.

There are a lot of shopping sites online that we frequently visit such as Lazada, Ensogo, AliExpress, Galleon, Hotels(dot)com and other online stores that offer cashback through Shopback.ph. If you are into high street fashion, you can click here to take a look at all the fashion stores that offer cashback with ShopBack. You can look fashionable without hurting your pocket. Travel more through Shopback to save up for future trips. Experience thousands of destinations worldwide with cashback.

We, as consumers, spend few minutes to few hours online whether window shopping or real shopping. We do not have much time to go to the mall for simple reasons like traffic jam, tired from work, or simply just want to take advantage of the convenience of shopping from home. With Shopback, we shop and we earn at our own convenience.

shopback-philippines

  • What is Shopback.ph?

The Shopback.ph leads us to excellent promo and deals that we usually enjoy with the one of its kind cashback! Here is how to use Shopback:

  • What is Cashback?

As what the term suggests, cash and back. You get a portion of your cash spent on shopping back to you as savings or additional budget for your next shopping. This is unlimited savings when you shop online. Liking it so far? Again, there is no limit. IMPORTANT: For successful Cashback, stay within the redirected tab until purchase.

  • How does Cashback work?

The Shopback.ph gets a commission for referring the online consumers to the various online shopping sites. And they are generous enough to share what they get. Cashback would be awarded to your Shopback account. It can be tracked and redeemed depends on the number of days stated by the merchants/online store. The encashment is directly to your bank account or Paypal account when the “redeemable amount” reaches the minimum amount of P300. Image below are the channels of cash out.

channels of cashback

  • What can you shop at Shopback.ph?

You name them, you get them all! Clothing, Shoes, Accessories, Watches, Bags, Beauty products, Electronics, Appliances, Gadgets, Home and Living, Baby items, Media, Food, Lifestyle and other categories you are interested in. Remember that your online shopping from the mobile apps of the online store will not merit a cashback. You have to visit first the Shopback site and click on the icon of the merchant you want to place your orders at.

  • What are the advantages in shopping at Shopback.ph?

First, you get paid in cash (in a form of cashback) as you shop online. Second, aside from the cashback, you also have an option to participate in their referral program. Third, you still enjoy the promo code, discount coupon and other perks from your favorite online stores. Fourth, once in a while Shopback has promotion for additional cashback % or referral promo which you can take advantage for higher earning.

  • How does the referral program work?

As you register at Shopback.ph, your own referral link will be generated. Then, you can ask someone to click it, for them to register. You gain both ways, you and the person who signed up using your link. P100 for you and P100 for a friend which you can get in cash.

To better understand how your shopping experience will be truly enjoyable with your cashback, watch this video.

  • My experience of Shopback

When I tried it myself, it was like the usual online shopping. The only difference is, you dropped by the Shopback.ph site first before processing the transaction. The following day, I got an email about my cashback which also appeared as I checked my Shopback account. I found my total earnings has an amount indicated. I can’t wait to earn more!

I am looking into other items which I tried to compute my cashback. If I buy this Nine West Ava Tote Shoulder Bag which costs P3412, I’ll get P136.48 which is 4% cashback from Galleon. You can go to the Galleon page on ShopBack to find out more about the 4% cashback and discount codes they offer.

 

Also this UNIC Mini Portable Projector for our film showing on my kids’ birthday this March. It costs P 1,599 and with 4% cashback from Lazada, I’ll get P63.96. Likewise, you can check out Lazada cashback (they have different cashback for different sorts of items) hereEvery merchant or online store varies on the cashback percentage. It was coincidental that I chose 2 merchants with same 4% cashback. Comments given on the products are also helpful as one of the deciding factors to proceed with purchase.

So what are you waiting for? Go! Register now at Shopback.ph and enjoy shopping at its best! Now’s a good time since they’ve just extended their Leap Year Sale till 3rd March – there is up to 29% increased cashback!

Follow and Like their Social Media accounts for more updates at:

Twitter: @shopbackph

Facebook: facebook.com/shopbackphilippines

Instagram: @shopbackph

Google Plus: ShopBack Philippines

Don’t forget to like my Facebook page as well. Facebook.com/PorschesDiary 🙂

 

How to Register your Business

Perhaps you started it as a hobby. You’re doing it part-time. You didn’t expect that you will earn money from it. You’re just doing it at home and you have set up a home office. Now, you want to make your home-based business legal. You want to register your small business. You want to have official receipts and invoices so that you can expand your business, get more customers, and issue such invoices to them. You also want to pay taxes and have income tax returns, which you can use for loan application and other purposes. But you don’t know what to do and don’t know where to go.

If you’re planning to register your home-based business in the Philippines, here are some tips on how to do it:

KNOW YOUR FORM OF BUSINESS

In the Philippines, businesses can usually be formed as a sole proprietorship, partnership or corporation. Partnership and corporations are required to register with the Securities and Exchange Commission (SEC), while sole proprietorship is required to register with the Department of Trade and Industry (DTI) for it’s trade name registration. The two most common forms of companies in the Philippines are single proprietorship and corporation, although there are also a number of Filipinos who register a company as a partnership.

Corporations are required to submit regular reportorial requirements with the SEC, which may be quarterly or annually depending on the type of industry. On the other hand, proprietorship businesses usually submit requirements with the DTI during registration and renewals. In other words, for small or home-based businesses, a sole proprietorship form of business is the easiest, fastest, and most affordable way to process and comply. The only drawback is that if you will register a sole proprietorship business now and you will convert it to a corporation in the future, you will need to process a formal closure of your business with the agencies you were registered (i.e., DTI, Mayor’s Office, BIR, and others) and register it again as a corporation which is a new, separate, and distinct legal entity.

By the way, if you’re a proprietor, your proprietorship business uses the same Taxpayer’s Identification Number (TIN) as yours. In other words, you and your business are the same entity for tax purposes. On the other hand, if you’re a shareholder in a corporation, the corporation uses a different TIN and is a separate entity for tax purposes. This also means that your proprietary business will be reflected in your personal ITR, while a corporation will file its own corporate ITR.

So, should you register a proprietorship business or a corporation? The choice is yours. Incorporation requires more financial, time and human resources. If you don’t have the money, if you’re not knowledgeable in the corporate setup, and if you don’t have a reliable bookkeeper or accountant who will help you on the process, then it may be wiser to initially register a proprietorship form of business.

 

THE REGISTRATION PROCESS

The business registration process in our country can be a difficult task for small business owners who don’t have any idea what to do and where to go to register their business. That is why most of them are hiring bookkeepers to do this for them. Unfortunately, some micro or small business owners can’t even afford to pay a bookkeeper.

Speaking of micro businesses, under R.A. 9178, otherwise known as the “Barangay Micro Business Enterprises Act of 2002. If your business qualifies, you could enjoy privileges, such as income tax exemption, exemption from the coverage of the Minimum Wage Law, special credit assistance, and other support from the government.

Now let’s go back to the registration process. Actually, I have already written several articles about the different processes and steps of business registration with the different government agencies in the Philippines. Hence, you just need to read those posts for further details.

To have an idea and understand the business registration process, here is an outline of what you should do and where you should go to legalize your home-based business:

If you’re registering a sole proprietorship, you have to deal with the following offices:

1. Department of Trade and Industry (DTI) – to register your business trade name.

2. Mayor’s Office – to get a Mayor’s business permit and pay local business taxes.

3. Bureau of Internet Revenue (BIR) – to register your business, get TIN, apply for official receipts or invoices, register your books of accounts, and remit your national taxes (i.e., income tax, VAT or Percentage Tax, withholding tax, and annual registration fee).

4. Social Security System, Philhealth, and Pag-Ibig Fund – to register yourself as an employer and as a self-employed member.

5. Other government agencies – if your business needs secondary licenses. For example, pawnshops, money changer, money remittance businesses are required to register with the Bangko Sentral ng Pilipinas (BSP). Education providers may also be required to register with the DepEd, CHED or TESDA.

A Barangay business clearance is also a requirement to process your registration. You will go to the DTI first to register your trade name. Remember that your trade name will be the business name that will be printed in your Mayor’s Permit, official receipts and invoices.

Take note that having a certificate of registration from DTI doesn’t make your business legal or legitimate. It doesn’t give you the license to operate as a business. Your certificate of DTI registration is only a registration of your “Business or Trade Name”. It gives you the permit to use your “business name” but not the permit to operate as a business until you complete your registration with other agencies, like the Mayor’s Office and BIR.

In other cities of the Philippines, like Makati City, business registration can be a one-shop stop because of the government’s program to make business registration more efficient. Unfortunately, many cities and municipalities in our country are still not enabled for that.

Now if you’re registering a corporation or partnership, you should register your business first with the SEC. Basically, corporations and partnerships are not already required to register with the DTI since their company or corporate name will already serve as their trade name. Their corporate name will be the name that will be printed in the official receipts, invoices and other documents of the business.

So the difference between registering a corporate business and a proprietorship business lies only with the SEC and DTI. The first should register with the SEC, while the latter should register with the DTI. The next steps are the same. Both of them need to register with the Mayor’s Office, BIR, SSS, Philhealth, Pag-Ibig Fund, and other applicable agencies, as enumerated in the list above.

ANSWERS TO FREQUENTLY ASKED QUESTIONS

I have readers and followers of this blog who are asking me the following questions. So I’ll share my answers here.

1. Is a sole proprietorship business a company?

Yes it is a company, especially if you will register a trade name with the DTI and you will hire employees. You don’t need to register a corporation to have a company.

2. What if my business is only a home-based business, is it required to be registered with government offices?

If you are earning income, you are basically liable for income tax, and if you’re doing business, you are basically liable for business taxes, which can be either VAT or Percentage tax. Hence, you are required to register with the BIR and other agencies. You can make your home-office as your registered business address. You can also claim as business expenses or tax deductions the allowable expenses you will incur in your home-based business, such as the allocated rent, electricity, water, telephone, and improvement expenses that are directly related to your business operation. Your personal or residential expenses must be separated and not be included in your business expenses for tax purposes.

3. What if I am a professional and I don’t have employees, should I register myself?

If you’re not engaging in business yet you are providing services to clients, you are also earning income which can be taxable. Therefore, you are still required to register as a professional with the applicable government offices. If you will not use a “trade name”, and will only use your “full name”, you are not required to register with the DTI. You have to pay your professional tax with the Mayor’s Office and apply for registration with the BIR. Your full name will also be the name that will appear in your official receipts. Furthermore, you have to register yourself as a self-employed member with the SSS, Philhealth and Pag-ibig Fund.

4. I’m afraid to do transactions with government officers because of the negative things I heard from them like extortion and corruption, what should I do? There are actually laws in the Philippines that protect citizens from abusive and irresponsible government employees and officers. One of these laws that you should remember is Republic Act No. 9485 otherwise known as the “Anti-Red Tape Act of 2007?. The Anti-Red Tape law was enacted to improve efficiency in the delivery of government service to the public by reducing bureaucratic red tape and prevent graft and corruption in government agencies and offices. So the next time you transact with a government employee, tell him or her that you are fully aware of this law.

Ctedit: http://www.businesstips.ph

C Tees Digital Printing and Corporate Giveaway: Entrepreneur Me?

It is almost end of January but I haven’t written any post yet. My hands have been full these weeks. I missed more than a couple of posts. It’s about time to catch up!

Entrepreneur me? Let me share a short history of my interest in marketing/selling.

I have always been a trader ever since I was a child. I am fond whenever I earn even a little amount of money. I remember when I was in 2nd grade, I used to sell sets of scented stationery usually with stickers and envelopes. I can buy those for PhP10 each and sell them for PhP12 – PhP15. I gain PhP2 -PhP5 for each set depends on the sheets of paper and pieces of envelope. PhP5 in year 1988 is a lot. That time, the jeepney fare is only PhP1.00 to PhP1.50 if I am not mistaken. Not only my girl classmates are my patrons but also the boys, as they use it for writing letters to their crushes. Oh well! I do it once a week and they buy consistently. Thank you classmates! Then I save the money I earn in my wallet. Imagine 15 – 20 set of stationery every week with PhP2 – PhP5 gain? By the way, my mum Susie bought the first set of stationeries. Happy kid! Later in life I sell siomai when I was in college. Though my parents can sustain my studies, I am only doing it for pleasure purposes. I cook them as well. It was blockbuster (sold out) all the time I brought them. Then, as I grew older, I engaged in realty and earned a significant amount, good enough for a single lady enjoying life in diverse perspective.

These days, my family and I are fond of personalized shirts. We buy them for ourselves and as gifts to our loved ones. One day, I just woke up very eager to have a shirt printing business and thought of adding other corporate give away later on. We have target market such as call centers and my clients (companies) when I worked in a bank. Also a timely business for election campaign. I believe the Lord gave me the wisdom. I started searching for supplies and machines needed to make it happen. There were sleepless nights. Then, an incentive from my husband’s company came, enough to buy the starter package. So, there it is! A Digital Printing venture ready to take little steps at a time. What a way to start 2016! #Abundance

Have a look of what stuff we offer perfect for give away and souvenirs: http://www.cteesprints.wordpress.com

Since we are dealing with big companies, we have to secure a business permit and official receipt from BIR. We processed it one by one from DTI (single proprietor), Municipal/City Hall for Business Permit and BIR office in our town for the official receipt. I will write about each process in separate posts.

Thank you Lord! This serves as my testimony on how good the Lord has been.

Higher Cap on Tax Exemption on Bonuses signed by PNoy

Such a relief when the bill to higher the cap of tax exemption on bonuses or 13th month pay was finally signed as a law by His Excellency Benigno “Noy Noy” Aquino. The Filipinos can now benefit fully on their hard-earned money; from sweat and blood. It was February 13 and is considered an early Valentines Day gift to the working class from government and private sectors. Teachers, factory workers, government workers, rank and file employees will be highly impacted on this great news. As stated on Inquirer.net, ” With the signing of the law, the 13th month pay and other benefits, including productivity incentives and Christmas bonuses, not exceeding P82,000 given to both government and private sector employees will be exempted from tax. This sought to amend Republic Act 7833 which set the tax exemption ceiling at P30,000 way back in 1994.

Press release below courtesy of Inquirer.net

MANILA, Philippines – President Benigno Aquino III has signed into law the measure raising the ceiling for tax exemption on bonuses and other benefits of workers in the public and private sectors, an administration lawmaker said Thursday.

In a statement, Ways and Means committee chair Marikina Rep. Miro Quimbo lauded the President’s passage of the bill, saying the measure would benefit the middle class salary earners.

“The President saw the significance of the measure as it is projected to benefit taxpayers from low to middle incomes who have not had any reprieve from the burdensome taxes imposed on their earnings,” Quimbo said.

“These are the salary and wage earners who long deserve a break from the inequitable tax system that we currently have,” he added.

Communications Secretary Herminio Coloma Jr. confirmed the news.

“According to the Office of the Executive Secretary, the President has signed into law the bill raising the ceiling on tax exemptions on bonuses to P82,000. The signed law will be transmitted to Congress shortly,” he told Palace reporters on Thursday.

The law  increases the tax exemption cap  from P30,000 to P82,000, amending for this purpose Section 32(B)(7)(E) of the National Internal Revenue Code of 1997.

The tax exemption covers all bonuses, including 13th month pay and Christmas bonus.

Aquino received his copy of the bill on January 14 after both Houses of Congress ratified the bill December last year. It would have become a law on February 14 if it does not get the President’s signature, when the 30 calendar day-period lapses.

Quimbo said salary earners would feel the impact of the bill as early as June this year, when some workers will receive the first half of their 13th month bonuses.

Finance and tax officials have called for the President’s veto of the bill, warning of revenue loss reaching up to P30 billion. But Quimbo has said losses would only amount to P3.8 billion. With a report from Kristine Angeli Sabillo

Read more: http://newsinfo.inquirer.net/672533/higher-tax-exemption-cap-on-bonuses-now-a-law#ixzz3WlnEuKdB

Western Union Money Transfer and Fees

Western Union, have more than 135 years of experience in the money transfer business, helping people from all over the world stay connected.

Today, Western Union is a global leader in money transfer services. It is a trusted name that helps both private and corporate clients send and receive money quickly and reliably. Western Union provides money transfer services through more than 334,0001 Agent locations in over 200 countries and territories worldwide.

Western Union has been operating in the Philippines since 1990, providing a vital service to millions of Filipinos. The Philippines is the fourth largest remittance receiving market in the world (Source: World Bank Migration and Remittances Factbook 2008).

Western Union has an impressive network of more than 6,3001 Agent locations across the country, providing consumers with access to much-needed money for daily sustenance or emergency assistance.

Call the Philippines Customer Hotline at 02 888-1200 (for calls within Metro Manila) or 1-800-1-888-1200 (toll-free nationwide via PLDT Lines), 1-800-9-888-1200 (toll-free nationwide via Globe Lines) or +632 888-1200 (for calls from overseas).

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HOW TO SEND MONEY

Simple. Just go to your nearest Western Union Agent location, present one acceptable form of valid photo identification, and our Agent will gladly assist you.  Western Union has more than 334,0001 Agent locations in over 200 countries and territories worldwide.  With over 6,3001 Agent locations in the Philippines, we are probably right around the corner in your neighborhood bank, department store, supermarkets or telephone center.

Western Union Location Search in the Philippines


  1. COMPLETE THE ‘TO SEND MONEY’ FORM
    Send Money Form

    Send Money Form

    Fill out the appropriate ‘To Send Money’ form provided and present to the Agent the original copy of your valid photo identification. You can call the Philippines Customer Hotline at 02 888-1200 (for calls within Metro Manila) or 1-800-1-888-1200 (toll-free nationwide via PLDT Lines), 1-800-9-888-1200 (toll-free nationwide via Globe Lines) or +632 888-1200 (for calls from overseas) for more information.If you have a Western Union® Gold Card issued in the Philippines, please present the card along with your valid photo identification or other supporting documents to the Agent.
  2. PAY FOR YOUR MONEY TRANSFER

    Give the Agent the amount of money that you (the Sender) want to send together with the necessary service fees2.
  3. SIGN AND RECEIVE YOUR RECEIPT

    You will be required to sign a receipt after you have verified that all the details printed on the receipt are correct.  One of the details printed on the receipt is your Money Transfer Control Number (MTCN).  The MTCN is important and must only be disclosed to your intended recipient.

    INFORM YOUR RECEIVER

    It is time to contact the intended Receiver (or beneficiary) of your money, and relay the necessary information to him/her, such as the MTCN, your complete name (as signed in the ‘To Send Money’ form), amount sent, and the country the money was sent from.
  4. TRACK YOUR MONEY

Go to the ‘Tracking’ link that’s on the homepage of our website.  You can then track the status of your money by typing in your name (as signed in the ‘To Send Money’ form) and MTCN. Check the status of your money transfer now You can also call the Philippines Customer Hotline at 02 888-1200 (for calls within Metro Manila) or 1-800-1-888-1200 (toll-free nationwide via PLDT Lines), 1-800-9-888-1200 (toll-free nationwide via Globe Lines) or +632 888-1200 (for calls from overseas), to check the status of your money transfer.

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HOW TO RECEIVE MONEY

It is very easy to receive money through us. First, locate your nearest Western Union Agent in Philippines here. Then make your way to the Agent location.


  1. CONFIRM THAT THE MONEY IS READY FOR PICK UP

    Receive Money Form

    Receive Money Form

    Before you (the Receiver) visit our Agent location, make sure that the money is ready to be collected. Confirm the status of your money transfer by calling your sender or the Philippines Customer Hotline at 02 888-1200 (for calls within Metro Manila) or 1-800-1-888-1200 (toll-free nationwide via PLDT Lines), 1-800-9-888-1200 (toll-free nationwide via Globe Lines) or +632 888-1200 (for calls from overseas).In the case where money is sent to the Receiver’s (or beneficiary’s) bank account at any of the following Philippine Banks, the money can be withdrawn from the bank account directly:

  2. VISIT THE AGENT LOCATION
    Remember to bring the following information:

    • The 10-digit Money Transfer Control Number (MTCN);
    • The Sender’s full name (the first, middle and last names as signed on the ‘To Send Money’ form);
    • The City and Country where the money was sent from;
    • The Expected Amount of the money transfer;
    • Your original valid photo identification.
  3. COMPLETE THE ‘TO RECEIVE MONEY’ FORM
    Just fill out the ‘To Receive Money’ form and provide the Agent the MTCN and present your original valid photo identification.
  4. REVIEW AND SIGN THE RECEIPT
    You will be given a receipt. Review it thoroughly and sign the receipt if all the details are accurate.
  5. RECEIVE YOUR MONEY
The Agent will then hand you your money together with the receipt. The transaction is complete. Please keep your money in a safe and secure place.

Credits: http://westernunion.com.ph

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WESTERN UNION FEES (SENDING MONEY WITHIN THE PHILIPPINES)

As of November 2012 (will post if any update on fees)

Amount From Amount To Fee
Php1 Php100 Php15
Php101 Php200 Php19
Php201 Php500 Php38
Php501 Php1,000 Php55
Php1,001 Php1,500 Php80
Php1,501 Php2,000 Php110
Php2,001 Php2,500 Php135
Php2,501 Php3,000 Php160
Php3,001 Php4,000 Php215
Php4,001 Php5,000 Php270
Php5,001 Php6,000 Php320
Php6,001 Php7,000 Php375
Php7,001 Php8,000 Php430
Php8,001 Php10,000 Php485
Php10,001 Php15,000 Php540
Php15,001 Php50,000 Php595

Fee update as of Dec 2016

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Can You Really Make Money with Affiliate Marketing?

 

The answer is “Yes!” But how do we make money online? What is Affiliate Marketing? How can it help you earn? Affiliate marketing can be a great source of income. Affiliate marketing, is an online business which rewards the publisher or author of the website/blog for every clicks or purchased products or service through their website on a fixed price or percentage commission. We are now in the computer age, where everything seems quick. An affiliate marketer can utilize their time while doing the business. It could be on breaks while at work, while you are travelling (provided you have a good connection), or any other time you wish to and basically on your idle time. There are endless possibilities in making money through this.

Hold up! This is not as easy as 1-2-3. We need the following to succeed to be an affiliate marketer.

It requires a quality content website/blog. There are tons of topics to choose from that will grab the attention of your readers. Make the content useful and informative. Content should be your utmost priority.

You must also maintain relationship with your readers. You must know your readers and their interests in order for them to keep coming back to your website. Trust from your readers is important. Your content has to be real and honest. This way you will get them be engaged. Your website can have more followers and referrals can be possible.

You must build a good reputation too. You must be honest with the product you are promoting. If you advertise a product/service that broke easily or provided a bad customer service, it will bounce back to you. Chance is you lose one or more readers/customers. Readers follow your recommendations.

Writing a blog requires commitment. It asks for your focus and determination. Make the readers be involved. Have strategies to promote your blog and be used for affiliate marketing. One of the objectives should be to top the search results to invite readers to visit your blog coming from search engines like Google, Yahoo, Bing, and among others. Here comes Search Engine Optimization. SEO is the practice of improving and promoting a web site in order to increase the number of visitors the site receives from search engines. Properly executed SEO techniques will bring your website increased exposure, recognition, and will generate free traffic.

You don’t have to be up to date. Being timeless can encourage readers to view posts from you. Make it timeless, not new or old. Old articles can still generate visitors and income. If the readers notice your posts are dated 2000 and late, they will just leave and click on other websites that they will find more interesting.

In choosing the affiliate partner, choose the one that also catches your attention as it might catch theirs too. Choose the right affiliate partner through research to avoid scams. One affiliate program may work to others but not to you. Be patient and try the other programs until you find the one that works best for you. It takes time to earn big. Just like other big companies, the reputation and income they have are not earned overnight.

If you’re confused and you need suggestions, please click the link below. Here you can find the A-Z List of Ad Networks and Affiliate Programs http://onlinebusiness.about.com/od/affiliatemarketing/tp/online-advertising-networks.html

It will tell you the network, product and their offers, so you can choose which one suits your blog. Read through them, contemplate and make great decisions on how to build and promote a blog used for monetization purposes. You will end up telling yourself, “ I can’t believe it’s happening.” Yes, there is money in affiliate marketing. Now, Hit it!

   

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Other helpful links on Affiliate Marketing: http://www.bitdoze.com/make-money-online/aff/how-money-can-be-made-with-affiliate-marketing/