Wednesday, January 28, 2009

Earn Money Online

By GoogleCashMoney

Affiliate Marketing is currently one of the most popular and lucrative business opportunities in online. It is an agreement between the merchant, or the one with the product to sell, and the website owner or the affiliate, or the one who allows the use of his site to promote the merchant's product s or services. Thus, affiliate marketing is a relationship between the merchant and the affiliate. Meanwhile, an affiliate-marketing network is a program that involves a network of individuals and organizations with the purpose of helping each other through affiliate marketing. There are many affiliate-marketing programs where both merchants and affiliates can go to find what they need for. In such an affiliate marketing networks, affiliates can choose from thousands of products to advertise. Similarly, the merchants can proffer their products and look for affiliates who will advertise their products.




Kontera is a leading provider of In-Text Advertising and Information Services based on patent- pending text and content analysis technology that maximizes relevancy and yield for online users, publishers, and advertisers.

The company's flagship product, ContentLinkTM, finds contextually relevant keywords on a publisher's web page in real-time and automatically matches them to relevant ads and information. Thousands of online publishers worldwide are currently using Kontera's service for additive revenue from their content while providing relevant ads and information to their users.

Leading international advertisers in a broad range of product categories are achieving improved ROI with ContentLinkTM over other advertising vehicles because of the relevancy of the ad to the user's online experience and immediate frame of mind.
Kontera's competitive advantage lies in seven years of experience in the In-Text market and its patent pending proprietary textual and content analysis technology. The company has developed and utilizes several proprietary semantic, statistical, linguistic, and yield maximization algorithms to analyze words and parts-of-speech to extract and rank relevant topics and keywords, which are then matched to relevant ads.

Click here to join Kontera or post your email in the comment box and I will email you an invitation.

~cheers


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Financial news today

Business World Articles

- Job losses mounting
- Crisis may worsen sharply, says ILO
- 1 in 5 firms expect to trim staff – MBC
- Stimulus plan’s funders asked o sign pledges
- Annual CEO survey shows confidence diving to new low worldwide
- Php firms up along with regional currencies
- At least P41.8 B ‘son’ taxes collected in 2008
- Senate committee pushes permanent rent control
- Building permits up in Q3 last year
- Government confident of good offers for assets this year
- VAT stays despite difficulties – Malacanang
- BIR moves deadline for employee list
- Pre-need firms seek time for claims
- Investors pocket gains before BSP meeting
- Palace sets mid-Feb. deadline to solve cooking gas supply lack

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Clicking your way to million$$$

Whew! The title is a misnomer though.
I have tried, but honestly clicking my way to million$$$ seem far fetched unless I buy referrals. This means investing in my PTC accounts.

I do understand the logic though. Like in any other money making scheme, initial investment is necessary. The realization here is that there can never be a truly FREE way to make money online.

It takes hard work and a lot of time, and of course, money, too.

BDV-856145-BDV

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Tuesday, January 20, 2009

What is the best way to earn money on line?

A lot of people are obsessed with earning money online, but is there really an easy way?
I believe there is NONE. Those people who have been successful in generating extra streams in income through their online activities have INVESTED a lot of TIME and HARD WORK.

Now, if you are into PTC, you might thought that clicking ads is a SIMPLE way to earn extra CASH. Think again! Say, you get paid $0.001-$.005 per click and to EARN than you are required to wait 30 seconds before closing the browser. So, how many seconds would it take for you to earn the minimum pay-out? 30,000 - 150,000 seconds OR 8.33 - 41.67 hours!!!! for a $5 pay-out. Whew! If you really do the math, PTC with you clicking alone is NOT profitable.

From these numbers, you are better off doing odd jobs in your neigborhood, say, walking dogs for that old lady who lives around the corner. That can earn you $5-10 an hour.

People who earned a lot in PTC, or so they say, buys or rents referrals. To do this, you have to have initial investment. It does take money to ear money. But most PTC members, dont bother buying or renting referrals. They rather be patient and ask everyone they know to register with them as the referral.

Today, I tried this online earning opportunity. I registered in 10 PTC sites. My plan is to earn enough - usually a dollar - then USE that to rent referrals. I will, of course, tell you how everything goes. I tell you, it is difficult!

Here is the list of the PTC I joined:
  1. Neobux
  2. Taketheglobe
  3. Earnmybux
  4. centbux
  5. ariaptc
  6. ara-bux
  7. chillbux
  8. citiclick
  9. clicksense
  10. ppclix
Well, if you WANT to be a member also, my user name for referral purposes for all these PTC sites is lizagaspar. ~

Happy clicking!

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Monday, January 19, 2009

Banking Codes [Swift & Routing] of the Philippines

With the numerous post online on routing and swift codes - separately - I decided to consolidate the information in one table.
Here it is.
Bank Shorthand Routing Code Swift Code
ABN AMRO Bank

ABNAPHMMXXX
Allied Bank
10320013 ABCMPHMMXXX
American Express Bank Philippines

AMEXPHMMXXX
Asia United Bank (AUB) 11020011 AUBKPHMMXXX
Australia New Zealand (ANZ) 10700015 ANZBPHMXXXX
Banco de Oro (BDO) 10530667 BNORPHMMXXX
Banco Santander Philippines Inc

BSCHPHMMXXX
Bangko Sentral ng Pilipinas (BSP) 10030015
Bangkok Bank Public Company Ltd

BKKBPHMMXXX
Bank of America NA Manila

BOFAPH2XXXX
Bank of China
11140014 BKCHPHMMXXX
Bank of Commerce
10440016 PABIPHMMXXX
Bank of the Philippine Islands (BPI) 10040018 BOPIPHMM
Bank of Tokyo
10460012 BOTKPHMMXXX
Chemical Bank Mla Branch JP Morg

CHASPHMMXXX
China Bank
10100013 CHBKPHMMXXX
Chinatrust
10690015 CTCBPHMMXXX
Citibank N.A.
10070017 CITIPHMXXXX
Deutsche Bank
10650013 DEUTPHMMXXX
Development Bank of the Philippines (DBP) 10590018 DBPHPHMMXXX
East West Bank
10620014 EWBCPHMMXXX
Equitable PCI Bank (EPCIB) 10530667 PCIBPHMMXXX
Export and Industry Bank (Exportbank) 10860010 EAIBPHMMXXX
Fuji Bank
10640010
Hong Kong and Shanghai Bank (HSBC) 10060014 HSBCPHMMXXX
ING Bank NV

INGBPHMMXXX
International Commercial Bank of China
10560019 ICBCPHMMXXX
International Exchange Bank (iBank) 10680012 INXBPHMMXXX
JP Morgan Chase Bank
10720011 CHASPHMMXXX
Korea Exchange Bank
10710018 KOEXPHMMXXX
International Nederland Bank
10660016
Land Bank of the Philippines (Landbank) 10350025 TLBPPHMMXXX
Maybank of the Philippines
10220016 MBBEPHMMXXX
Metropolitan Bank and Trust Co. (Metrobank) 10269996 MBTCPHMMXXX
Mizuho Corporate Bank

MHCBPHMMXXX
Philippine Bank of Communication (PBCom) 10110016 CPHIPHMMXXX
Philippine Trust Company (Philtrust Bank) 10090039 PHTBPHMMXXX
Philippine NATIONAL BANK (PNB) 10080010 PNBMPHMMTOD
Prudential Bank
10150018 PILBPHMMXXX
Philippine Veterans Bank
10330016 PHVBPHMMXXX
Rizal Commercial Banking Corporation (RCBC) 10280014 RCBCPHMMXXX
Security Bank and Trust Company (Security Bank) 10140015 SETCPHMMXXX
Standard Chartered Bank (SCB) 10050011 SCBLPHMMXXX
United Coconut Planters Bank (UCPB) 10299995 UCPBPHMMXXX
Union Bank of the Philippines (Unionbank) 10419995 UBPHPHMMXXX
United Overseas Bank (UOB) 10270189 UOVBPHMMXXX
Non-SWIFT PARTICIPANTS


Al Amanah


Islamic Bank

ALAMPHM1XXX
Anchor Savings Bank

ANCBPHM1XXX
Asiatrust Development Bank

ASDVPHM1XXX
Banco Filipino SMB

FIAOPHM1XXX
Bank One Savings & Trust Corp

ONSTPHM1XXX
Bankwise Inc

BKWSPHM1XXX
BPI Family Savings Bank

BPFFPHM1XXX
Centennial Savings Bank Inc

CNSVPHM1XXX
Equitable Savings Bank Inc

EQSVPHM1XXX
First Consolidated Bank Inc

FIOOPHM1XXX
GSIS Family Bank

GSISPHM1XXX
HSBC Savings Bank Inc

HSBSPHM1XXX
Insular Life Sav & Trust Co

ILSTPHM1XXX
Isla Bank Inc

ISTHPHM1XXX
Keppel Bank Philippines Inc

KEPHPHM1XXX
LBC Development Bank

LBCDPHM1XXX
Luzon Development Bank

LUDVPHM1XXX
Malayan Bank SMB

MAARPHM1XXX
Manila Banking Corporation

MABCPHM1XXX
Merchant Savings and LA, Inc.

MRCBPHM1XXX
Mindanao Development Bank

MDDEPHM1XXX
Orion Savings Bank Inc.

ORSIPHM1XXX
Philam Savings Bank Inc

PHSAPHM1XXX
Philippine Business Bank

PPBUPHM1XXX
Philippine Postal SB

PHPSPHM1XXX
Philippine Savings Bank

PHLSPHM1XXX
AB Capital and Inv Corp

CAVPPHM1XXX
BPI Capital Corp

BPAPPHM1XXX
BPI Leasing Corp

BPLIPHM1XXX
First Malayan Lsng & Fin.

FMLFPHM1XXX
First Metro Investment Corp

FMICPHM1XXX
Planters Development Bank

PLDEPHM1XXX
Premiere Development Bank

PRDEPHM1XXX
Queen City Dev Bank

QCDFPHM1XXX
RCBC Savings Bank Inc

RCSBPHM1XXX
Real Bank Inc

RLBKPHM1XXX
Robinsons SB Corp

RBNVPHM1XXX
The Palawan Bank

PWDBPHM1XXX
UCPB Savings Bank

UCSVPHM1XXX
Multinational Inv Bancorp

MUIAPHM1XXX
RCBC Capital Corp

RCCOPHM1XXX
State Investment Trust Inc

STIVPHM1XXX

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Routing Code of Philippine Banks

These are the routing codes you need to verify your account in PayPal and other electronic transfer sites.
~hope this helps.

Allied Bank 010320013
Asia United Bank (AUB) 011020011
Australia New Zealand (ANZ) 010700015
Banco de Oro (BDO) 010530667
Bangko Sentral ng Pilipinas (BSP) 010030015
Bank of China 011140014
Bank of Commerce 010440016
Bank of the Philippine Islands (BPI) 010040018
Bank of Tokyo 010460012
China Bank 010100013
Chinatrust 010690015
Citibank N.A. 010070017
Development Bank of the Philippines (DBP) 010590018
Deutsche Bank 010650013
East West Bank 010620014
Equitable PCI Bank (EPCIB) 010530667
Export and Industry Bank (Exportbank) 010860010
Fuji Bank 010640010
Hong Kong and Shanghai Bank (HSBC) 010060014
International Commercial Bank of China 010560019
International Exchange Bank (iBank) 010680012
JP Morgan Chase Bank 010720011
Korea Exchange Bank 010710018
International Nederland Bank 010660016
Land Bank of the Philippines (Landbank) 010350025
Maybank of the Philippines 010220016
Metropolitan Bank and Trust Co. (Metrobank) 010269996
Philippine Bank of Communication (PBCom) 010110016
Philippine Trust Company (Philtrust Bank) 010090039
Philippine NATIONAL BANK (PNB) 010080010
Prudential Bank 010150018
Philippine Veterans Bank 010330016
Rizal Commercial Banking Corporation (RCBC) 010280014
Security Bank and Trust Company (Security Bank) 010140015
Standard Chartered Bank (SCB) 010050011
United Coconut Planters Bank (UCPB) 010299995
Union Bank of the Philippines (Unionbank) 010419995
United Overseas Bank (UOB) 010270189

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Saturday, January 17, 2009

Casualty line going longer ...


Casualty line going longer ...

First, it was Lehman Brothers, but the list kept getting longer.

Others followed suit after. Some, I don't know if I can call it more fortunate, didn't file for Chapter 11, only cut jobs.

I have decided to make a list of companies which have cut jobs to prevent them going the same way as Lehman Brothers did. So here goes,
  1. Honda to eliminate its temporary and part-time workforce of 3,100
  2. Motorola slashes 4,000 jobs
  3. Even Google lays off 100 full-time recruiters
  4. Pfizer prepares to cut up 800 researcher jobs
  5. Neiman Marcus losses 400 jobs
  6. Walgreen lets go of 1,000 management jobs
  7. Saks cuts 1,100 corporate support and store jobs
  8. Boeing cuts 4,500 jobs
  9. Logitech cuts 15% of its workforce
  10. Cigna cuts 1,000 jobs
  11. Motorola reduces staff level by 4,000
  12. Hertz cuts more than 4,000 jobs
  13. Citibank cut 40,000 jobs
  14. Washington Mutual eliminate 1,600 jobs
  15. Rolls Royce lay off 2,ooo people worldwide
  16. Bank of America reduces workforce by up to 35,000 until early 2009
  17. DHL cut 9,500 jobs
  18. Credit Suisse sheds over 5,000 jobs
  19. State Street Corp cuts 1,800 positions
  20. AT&T cuts 12,000 jobs
... and the list goes on.

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T-Mobile Revolutionary Ad


The advertising a company chooses can make or break its product. T-Mobile just launched in the UK a 'revolutionary' concept in advertising. Revolutionary in that at first the ad seems spontaneous and not choreograph. However, I suppose this will eventually get old as advertising concepts go.
Thoughts?

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Sunday, January 4, 2009

Paying It Back for Mang Meliton a.k.a "Mang Milton" by Mike

Meet Meliton Zamora, a retired University of the Philippines janitor and my hero.

For forty-five years, he swept floors, cleaned up trash, watered plants and did odd jobs at the University.

I met him when I was active with the UP Repertory Company, a theater group based (then) at the third floor lobby of the Arts & Sciences (AS) building. He would sweep and mop the hallway floors in silence, venturing only a nod and a smile whenever I passed him.

Back then, for me he was just one of those characters whom you got acquainted with and left behind as soon as you earned your degree and left the university for some big job in the real world. Someone whose name would probably ring a bell but whose face you'd have a hard time picturing. But for many UP students like me who were hard up and had a difficult time paying their tuition fees, Mang Mel was a hero who gave them the opportunity to finish university and get a big job in the real world.

The year was 1993 and I was on my last semester as a Clothing Technology student. My parents had been down on their luck and were struggling to pay for my tuition fee. I had been categorized as Bracket 9 in the recently implemented Socialized Tuiton and Financial Assistance Program (STFAP). My father had lost his job and to supplement my allowance, I worked part time as a Guest Relations Officer at Sam's Diner (back when the term GRO didn't have shady undertones) and took some odd jobs as a Production Assistant, movie extra and wardrobe mistress.

To be eligible for graduation, I had to enroll in my last three courses and pay my tuition fee. Since my parents didn't have enough money for my matriculation, I applied for a student loan hoping that my one of my Home Economics (HE) professors would take pity on me and sign on as a guarantor for the student loan. But those whom I approached either refused or were not eligible as guarantors. After two unsuccessful weeks of looking for a guarantor, my prospects looked dim, my future dark. And so, there I was, a downtrodden twenty year old with a foggy future, crying in the AS lobby. I only had twenty four hours left to look for a guarantor.

Mang Mel, with a mop in hand, approached me and asked me why I was crying. I told him I had no guarantor for my student loan and will probably not be able to enroll this semester. I had no hopes that he would be able to help me. After all, he was just a janitor. He borrowed my loan application papers and said softly, "Puwede ako pumirma. Empleyado ako ng UP." He borrowed my pen and signed his name. With his simple act of faith, Mang Mel not only saved my day, he also saved my future.

I paid my student loan the summer after that fateful day with Mang Milton and it has been 15 years since then. I am not filthy rich but I do have a good job in the real world that allows me to support my family and eat three meals a day. A few weeks ago, a friend and UP Professor, Daki, told me that Mang Mel recently recorded an album which he sells to supplement his meager retirement pay, I asked another friend, Blaise, who's taking his Master's degree at UP to find out how we could contact Mang Mel. My gesture of gratitude for Mang Mel's altruism has been long overdue. As fate would have it, my friend saw Mang Mel coming out of the shrubbery from behind the UP library, carrying firewood. He got Mang Mel's address and promised him that we would come over to buy his album.

Together with Blaise and my husband Augie, I went to pay Mang Mel a visit last Sunday. Unfortunately, he was out doing a little sideline gardening for a UP professor in Tandang Sora. We were welcomed into their home by his daughter Kit. As she pointed out to a laminated photo of Mang Mel on the wall, she proudly told us that her father did retire with recognition from the University. However, she sadly related to us that many of the students whose loans Mang Mel guaranteed neglected to settle their student loans. After forty-five years of service to the University, Mang Mel was only attributed 171 days of work for his retirement pay because all the unpaid student loans were deducted from his full retirement pay of about 675 days. This seems to me a cruel repayment for his kindness.

This is a cybercall to anyone who did not get to pay their student loans that were guaranteed by Mang Mel.. Anytime would be a good time to show Mang Mel your gratitude.

Mang Mel is not asking for a dole out, though I know he will be thankful for any assistance you can give. So I ask those of you who also benefited from Mang Meliton's goodness or for those who simply wish to share your blessings, please do visit Mang Mel and buy his CD (P350 only) at No. 16-A, Block 1, Pook Ricarte, U.P. Campus, Diliman, Quezon City (behind UP International House) or contact his daughter Kit V. Zamora at 0916-4058104.

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