Sweet World of Joan

Just got a letter from the credit card company today, it said “Being a valued credit card holder we have increased your total credit line by Php 50,000.00”. I said to myself “Wow! As if I’ll use my credit card to spend that big an amount. I’m not that suicidal” When my husband came home from work, I greeted him with “Love, we can readily buy a car now”. He asked “How’s that?” I replied with, “We can use our credit cards for all three on them now has 6-digits limits.” Hahaha. I told him that as a joke, for it amuses me how much these credit card companies tries to please you so you can spend more. Having credit cards today is common and at times necessary. I know many may say you can live without credit cards and your life is richer. I know that maybe I can have much more money saved if I don’t have them but as a consumer I availed them because of it gives me convenience and at times security. First of all my husband occasionally goes abroad and before we had credit cards it was hard fo

I have been teaching in college for nine years now, these past few weeks I am faced with one of the hardest decisions I have ever made, to stop teaching so I can dedicate my time to my growing hobby turned business and at the same time be at home more for my son. It’s really been a soul searching journey for me; I laid down all my cards at the table so to speak and analyze every reason why I want to teach and why I want to work from home. My motivations when I chose a career in the academe are the flexible hours and I wanted to take up my master’s degree then. Another reason is that I am a people person, I love to interact with people and the great way to do that is by teaching. I was a programmer before but after a few months with only a few people to talk to and mostly the computer as a companion I became really depressed, it was a really demanding job and I realized I crave for people interaction. Those were my reasons nine years ago, and at present it seems I have accomplished wha

My class in Introduction to Information and Technology have this blogging project, I gave them 5 blog post assignment(one post per week) with specific topics that will end this semester. It is not compulsory, it is to be their final project I let them choose between blogging or the traditional 30-paged term paper about how to earn money online. My students are freshmen BSBA students so the topic on the research is interesting/beneficial to them. Its been a very long and tiring week on keeping tabs on each of them as they create their blogs. One of our difficulties was there is no computer laboratory at PLMAR that has internet connection, so our communication during this writing project is thru text messaging, yahoo messenger, email and friendster. After a few sleepless nights checking and linking blogs to my tech site the digitized youth , which I made specially for my students in mind, I now have the pleasure of reading their blogs (and of course grading them). It is only the second

One of our dreams is to have our own house, and were on the planning stages on when, where and what do we need to have one. Owning a house or pursuing a business is on my mind nowadays, I have to decide which one would have to be first, for if we acquire a house first most of our financial resources would be pooled there and it would take years to pay off a housing loan and there might not be enough money left to start a business. While if we put our financial resources to support/put up a business, that business might grow and then we can have enough savings to buy the house we really wanted someday. It might take a few years but at least I would have an inspiration to really make the business a success. As of today we don’t really have the money to purchase a house in full and can only pay the down payment, and that’s for a house that is not even our dream house for houses on sale today are really so expensive. I am also checking very carefully on mortgage loans and mortgage loan pro

I attended the networking night of Entrepreneur Magazine’s 60th Networking Night last night which was held at C3 Events Place. It was my first time to attend their networking events which is being held quarterly and I was very thankful that I did. I am in the process of preparing my online business for the Christmas season and was looking for alternatives where I can sell my products at a physical store perhaps for this coming season. I am considering leaving my teaching work and become a full time entrepreneur and so I am looking for ways for my business to be sustainable by itself. The event’s topic was about the Night Bazaars and Suppliers Special was really an eye opener for me. A few week’s ago when my husband suggested that I concentrate on my business fulltime I told him that I might need a small store or even a foodcart to sell my products but since I am alone I can’t bake and mind the store at the same time. What I need is a place where I sell at weekends and so that I can bak