Why People Don’t Buy Online

Many people are afraid to buy online because they are afraid of fraud and they don’t have the proper knowledge to do so. I believe you know that there are lots of cases of online fraud or scams especially for products selling in the Internet.

Yes, it is true that there are frauds happening online, even in the offline business, scams and frauds exist. I think the important thing to do is learning how you can protect your self from these scams.

Other people want to transact with sellers that they can see or speak directly. I believe it is another reason why some buyers prefer to purchase on physical stores since they can even test and touch the product before buying it. On the other hand, buying things online can only give the pictures and reviews of other buyers for that particular product.

Your safety when buying online greatly depends on you. I have been buying and selling online since 2006 when I started selling some electronic products through eBay. I am skeptical about buying stuffs online because I don’t know the reputation of the seller and I can’t see, touch or even test first the product.

Tips on How to be Safe when Buying Online

If you want to be safe when buying online and avoid fraud, you should deal with the real people with real business. How can you do it? First, you have to investigate. Don’t buy products from an unknown company or people.

As much as possible, only buy stuffs from sellers with good feed backs and transaction history. eBay and Sulit provide this kind of feature for buying customers so they can decide for themselves if the seller they are dealing with are true and reputable.

Second, do not give your credit card or bank account information over the Internet if you don’t know the company you are dealing with. That’s why I highly prefer to pay the things I buy online using PayPal because it does not need your credit card info every time you purchase stuffs online. Once you registered your credit card info to PayPal, you can use it for almost all purchases you will do around the web.

Third, if you are still doubtful about buying online, you should request to the seller for meet-ups before paying for the product that you want to buy. Most of the sellers in eBay and Sulit have this service so you can ask for this one if you are not comfortable on delivering the item after you bought it.

Conclusion

I would say that buying online is safe but this would entail a big responsibility on your part. You will not fall as a victim of fraud and scam happening online if you know how to safely purchase products online. Some of the tips I mentioned above will help you to avoid becoming a victim of fraud.

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In the Philippines and other rich countries, there are many banks that you can choose but the question is which one is the best among these banks. In this article, I would like to point out several characteristics that you should look for to be considered as the best bank. You should read on to learn more.

1. Best Customer Service

In business, I believe in the common saying, “First impression lasts.” If you have a good experience during the first time of your visit to the bank you are thinking to open an account, I believe it is one sign of the best bank.

Since all banks have almost the similar products and services, one way to set the difference among them is the customer service they give to their clients. Here are some pointers that can give you idea on how the best customer service should be.

• Does the bank has different channels and methods of communication offered to their clients such as telephone, email, mobile phone, fax and other forms of communication?
• Are the bank employees courteous and attend quickly to your needs?
• Do they solved your requests and problems immediately?
• Do you have past complaints that have been resolved?
• What are the feed backs and experiences of other clients about this bank?

These pointers are few things that you might consider when assessing the level of customer service of a bank. It is a good way to test a product or service prior selection.

2. Good Interest Rate

Interest rate is a percentage on how much you will earn from the amount of money you deposited in the bank, particularly in your savings account. At the present, most banks give around 0.25 to 1.50% interest per year on saving account depending on the type of account.

Do not be tempted with a bank that is giving high interest especially those that give more than 2% interest per year. Beware of that bank because it might end up in bankruptcy like what happened to Legacy Bank, LBC Bank and Export & Industry Bank.

It is better to be safe than sorry. Do not be enticed with the high interest. Study and research first before choosing the bank you want to deposit your money.

I would also to make suggestions here. If you really want to make more out of your money, you should put it in other investments that will give you higher earnings like time deposit, mutual funds and stocks. I, personally, invest some portion of my money in mutual funds and stocks. I do not have time deposit because I can get much higher income from other types of investments.

3. It should be a PDIC member

Philippine Deposit Insurance Corporation or commonly known as PDIC is the government agency that provides insurance to every depositors in cases of bankruptcy or stoppage of operation of the member-bank. The insurance coverage is guaranteed up to P500,000.

I think all of the big banks in the Philippines are member of PDIC. However, being a member is not an assurance that it will not go in bankruptcy in the future. It is just an indication that it protects its customers in a possible problem in the future.

As a customer, you have the right to know whether the bank you are dealing with is a member of PDIC or not. One best way to do is by visiting the website of the bank. I’m sure it is indicated there.

4. Different Ways to Do Banking

The best bank should provide various ways to make your banking experience more comfortable, faster and easier. In the past, the only way to do transactions with the bank is through direct visit to your branch.

However, these days it should not be the case anymore. There are many invented methods on how to transact with the bank. As much as possible or at least the banks should have these services: ATM, Over-the-counter, mobile, telephone and Internet banking facility. If the bank has it all, you are doing good!

5. Provides other Valuable Services

The other valuable services that I’m talking here are the Internet banking services, special promos and bonuses for customers, and other investment opportunities. Today, all banks should have online banking. It is a great tool not only for the bank but also for their clients.

It will make the banking transaction more convenient and easier for both parties. If you are opening a new savings account, I advise you also enroll it to Internet banking of the bank you are dealing with. I’m sure you will love its services.

Final Remarks

Some banks also offer now investment opportunities to its clients. For example, BPI has UITF, mutual funds, insurance, stocks and many more investment tools for their customers. Even if you’re in abroad, you can still invest in these ventures.

Selecting the best bank is very vital in having a good bank account. Make sure to take a note on the characteristics mentioned above to guide you on what features you need to look for.

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I know there is a Land Bank ATM inside so I have no problem withdrawing money even if I’m a BPI customer. I have been doing it several times before and I have not encountered any problem.

The Story

However, for the first time, I experienced a problem withdrawing money from my BPI account using Land Bank ATM. I know I used the right PIN in withdrawing my money but the ATM gave an error message of “UNABLE TO PROCESS”.

Because of that message, I understand that operation was not completed and the money was still in my account. However, when I tried to withdraw at BPI Robinsons Galleria, it was successful and I noticed that my balance is not correct and suspected that the P5,000 was debited in Land Bank ATM.

I and my wife confirmed the transaction and the error by logging it to our BPI Express Online. I computed the money that should be in my account, it must be around P9, 000 but the balance in the receipt indicated P4, 000 only.

Finding and Making a Solution

The first solution I and my wife made was for her to go to Land Bank branch near POEA since I will apply for OEC. My wife went to Land Bank near the POEA and I went inside to get my OEC. After finishing my application, I and my wife meet again and she said that she filed a complaint about the problem we encountered.

The lady in Land Bank told her that it normally happens and the money will be returned automatically to the account after one day. But, we checked our BPI account balance after 1 and 2 days but it is still not returned.

So, we have decided to go to the BPI branch where our account is located. My wife explained what happened and the lady in the bank had the same solution to the problem. She gave my wife a complaint form about the error happened. She said that it usually takes 2 weeks before the money will return to the account. That’s a long time of waiting but we cannot do anything but to wait.

We are still hoping that the money will return immediately because we really need the money. So, we checked our balance on May 6, and to our surprise, it was returned on our account. It took only 3 days after we filed the report on the error on our ATM withdrawal.

If you have the same problem, the fastest way to get your money back is to go to your BPI or your bank’s branch, tell the problem to the bank employee, and after that she will give you a complaint or report form which you need to fill out.

Make sure you bring the receipt of your transaction so you have evidence that there was really an error in withdrawing your money. Don’t throw it to the trash can, save it for future reference.

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Similar with a land or a real estate, a domain name should be registered before you can use it to build and start your own blog or website. However, domain registration is much easier than registering a land or a real estate.

Before picking and registering a domain name for your blog, here are some tips that you can follow to properly register a domain name. Keep on reading!

1. Shorter is Better

When registering a domain name, shorter is better. Why? A shorter name is easier to remember than a long name. As much as possible, think of a shorter domain name appropriate to your blog. For registration of domain name of companies or businesses, it is advisable to make the domain name similar to the name of your business.

Most of the time, the domain names you have in mind are already taken or have been registered by other people. In this case, you need to register different domain names. As an example, you cannot register anymore the domain name www.google.com because it was already registered by Google.

Just make sure when you register a domain, you should keep it as short as possible. You may even use the acronym of your company or business.

2. Prioritize .com domain

Always register first the .com domain because it is the most popular domain name extension and it is easy to remember by many people who are using the Internet. However, if the .com is not available anymore, you should try to register the .net, .org, or .info domain extension.

Some domain names use .info especially if the blog is really to give information to visitors about something. I have created one .info blog but I still prefer to use .com because in my experience it is easier to be indexed and ranked higher by Google.

3. Avoid hyphen and symbols

One no-no when registering a domain name is using a hyphen or symbols in the name unless you badly needed the exact word on the domain name. Many people who use the Internet don’t remember the hyphen or special symbols so it is not good to include it when registering a domain name.

As far as possible, only use words in the domain but there is an exception here. If the company or business uses numbers, it would be better to use the numbers or even symbols if it is really needed.

4. Your domain name should be related to your business or blog

When registering a domain name, it should be related to your business or blog. For example, if your business is in food industry, the name can be your company name or anything related to the food your produce.

In addition, if you are a blogger, the domain name of your blog must be related to the blog you want to start and build. For example, the domain name of this blog is www.learnfinancialeducation.com which is related to finance or specifically to financial education.

5. Choose a good domain registration company

A domain registration company is the one responsible for registering your domain name with a corresponding fee that you need to pay. A good company is the one that has been in this kind of business for many years, with good customer service, cheap fees, and gives discounts and coupons.

When I registered the first domain name I have, I use GoDaddy as the domain registration company. I remembered the domain is www.vacationtophilippines.com but I didn’t renew the domain after one year.

I think GoDaddy has been in this business for many years and they have the most number of domain names registered. You can check its website to see for your self what is GoDaddy.

Another domain registration company I’m using is NameCheap. From the name itself, this company has a cheaper registration fee than GoDaddy. They have also many coupons that you can use to get discounts on the domain name your want to register.

Choosing and registering a domain name is not difficult when you have the right tool, knowledge and know-how on how to properly register a domain. You can follow the tips I mentioned above to help you out.

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Perhaps you know that I am a contractual worker in my current company and somewhat it is not good situation for me since I am bounded with the contract. Anytime I can be laid off from my work when bad situation happens to the company.

The good thing about this company I’m working right now is that it gives severance allowance every month of your stay with the company. It is the amount of money given to an employee if she will resign, lay off or go on retirement so they have sufficient money to cover expenses during period of no job. The portion of that allowance will be doubled by the company.

It is overwhelming condition if you were laid off and you are not ready in terms of your finances and many other things. Here are some of the suggestions that might help you to make things better and do productive things when you are laid off.

1. It is not the end of the world

Losing a job is tough but it is not the end of the world and it is not the end of you. Don’t think that you are a loser when you are laid off. You have other skills that you can use to rebound.

Probably, you know some famous people who are laid off in the past but they rebound and do better things. One example is Steve Job who was fired by Apple and then established another company, Pixar and then went back again to Apple as CEO.

Another one good example is Pat Flynn, the blogger behind the Smart Passive Income blog, who was laid off in year 2008 because of economic recession in the US. Maybe, if he was not laid off, he may not create the blog that helps many bloggers around the world.

As you can see, it is not the end if you when you lose your job. You can do other things that can give you income like the knowledge and skills that you have. Be resourceful and don’t procrastinate, you can do better things than just lying around.

2. Do not lose hope

Hope is the fuel that makes us move and achieve things what we want. If you have no hope, it will be harder for you to look for ways on how to make your life better in spite of a job loss.

You need to have a hope so that you can continue on the journey; otherwise, you will be overwhelmed and stop. Hope that things will be better and not worse.

3. Identify your profitable skills

All of us have skills that we can offer to other people. Perhaps you can make money from it. For example, if you can teach something to other people, you may offer your services with a price and announce it to your community, in the Internet or friends.

I know at first it will not give you the same amount of money you’re getting from your job but definitely it will help a lot to add funds to your monthly expenses. Just make sure that you are offering a good service that your clients and customers will be satisfied.

Some people can offer consultancy or do freelance works. I know there are several websites that pays you for freelance jobs that you can do. Most of the freelance works in the Internet world are computer programming, web design, article writing, blogging, and even interior design of houses. You can visit these sites so you can have more info:

www.freelancer.com
www.odesk.com
www.elance.com
www.textbroker.com
www.fiverr.com
www.freelance.com

Moreover, I want to add about the hobbies that you have. Some people are earning money from that because they make it valuable to other people. If you have hobbies that you think can be helpful to other people and you have the means to teach it, I believe there will be no problem to make money from it.

4. Start applying for a new job

If you don’t want to be self-employed or do business on your own, you must start applying for a job right now. The easiest way to do this is to send your resume to your friends and acquaintances telling them that you are in need of a job. Maybe they know some job openings and refer you to the right person.

In addition, begin editing your resume to make it updated. You can send your resume in the popular job hunting sites and even to your prospect companies. This may require long hours of updating and sending of resume. Make sure to double check the information you are putting on your resume before sending it.

I know it’s hard to apply again for another job but if you will do nothing, you have the zero or very little chance of being employed. Act and start now to get a new job!

5. Make a blog

Many people are earning decent income from their blogs. Maybe you don’t know how to start a blog but I tell you it is easier than what you think. I think blogging will be better for people who love writing and sharing their experiences to other people, however, you can still make blog and make money from it even if you’re not good in writing. I’m a good example of that person.

If you would like to start your own blog but you don’t know how and where to start, I can help you. Simply visit this post that I made before to learn more.

I just want to tell you that you cannot make quick cash on blogging and most of the time it will require several months or years before you reap the fruit of your labor. It is not suitable for persons who want quick money. However, if you can set a difference and make reachable goal, you can really make money from the blog you have.

So that’s all in my list. I hope you learned something from this post. If you have other tips in mind, please leave your comment below. I would appreciate it if you do.

Image by David Castillo Dominici

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No related posts.

In addition, you can see all my posts here if you want to browse the whole topics and posts that I published before. It’s been a very tough for this blog this week because of a recent Google update that cause my blog to drop in Google search so I have less visitors and traffic.

I wish you continue to visit this blog and continue to support by commenting, sharing it to your colleagues and friends. Thank you once again.

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I believe many people also knows the importance of saving money but they find it very hard to do. I’m not an exception for this one because I experienced it myself. It is really difficult especially if you don’t have the desire to do so.

I have listed here some of the most common reasons why a person cannot save money based on my experienced and through the knowledge I got from reading other blogs and finance books. Keep on reading to know more.

1. Overspending

Perhaps this is the most common reason why you cannot save. Maybe you’re overspending your money on the stuffs that you want. If you want to save some money, the first rule is to spend less than what you earn. This is the best financial advice that I can give to you.

There are several causes why you overspend. One reason may be due to impulse buying and having no budget and discipline in handling the money that you are earning. I suggests you read this article that I posted almost two years ago about how to control your spending or expenses. Click here.

2. Too Much Debt

As long as you have debt, it is very hard to save. For me, I would rather pay all of my debt and then save. I do not suggests to save money if you owe lots of debt particularly those you owed to people like your friends and relatives. You should pay your debt first and then after finishing the payment, start saving. It is only my suggestion, you can do whatever you want since it is still your money.

I have realized couple of years ago that is a very good feeling that you have no debt. You have peace of mind and you don’t worry how you can pay all your debt. As of this moment, the only debt we have is the mortgage of our house and it will be soon completely pay down. Other than that, we have no debt. Ah, we have credit card debt but we always pay it in full every month.

3. No Plan to Save

Obviously, if you have no plan to save, you will save nothing. All habits start in the mind. First and foremost, make a plan and carried out that regularly. A good step is set a limit on how much you must save each month. Don’t make unreachable plan, start little by little like saving one dollar a day.

It would be better if you can write your plan to save on a notebook or sheet of paper where you can easily see it everyday. In this way, you will be reminded if you have short memory span. Another good idea is starting to save some bucks using a piggy bank. I’ll tell you it really works!

4. Your Income is Low

Actually, some people manage to save litlle by little even if their salary is low. They have developed a great discipline and self-control so they can set aside some portion of their income. However, it will be easier to save when you have higher income than your currently receiving assuming you will not change your lifestyle. So, my suggestion is to find ways on how to increase your income. Perhaps, you can start creating apart-time job or side business that will not let you quit your present job.

Another good way is to learn how to make some money online through web design, blogging and affiliate marketing. Many people now are doing these so you can find lots of information on the web. If you are interested about earning through the Internet, you can subscribe to this blog by entering your email below so you can receive helpful tips from me. You may also read some of my articles about blogging and selling in ebay that you can found on the category section of this blog.

5. You have a serious disease

It is important to be healthy. The old saying, “Health is wealth” is definitely true. Before living and working here in Korea, I seldom each vegetables and do exercise. However, it is not my condition anymore. Perhaps I have eaten more vegetables and fruits in my five years living in Korea than any other time of my life.

I could say in general, Koreans are more health conscious that’s why I almost adopted their behaviour and lifestyle. Surprisingly, I have already acquired the taste of Kimchi. I counted it as a great blessing for me and my family to be given a chance to live here and learned the importance of being fit through eating a balanced-diet and regular exercise.

Actually, the company I’m working now has two mini daily exercises every 10AM and 3PM. It is a 2-minute long of stretching or do-it-your-own exercise. Each morning when going to my office, I do not use the elevator instead I walk through the stairs to go to my seat as one way to exercise.

I have also started creating a 5-minute exercise after waking up in the morning. Normally, I lift weights and do squatting since I’m always sitting all day long in the office. I think it really helps on my lower back.

That’s all. I hope you got some valuable information here and help you to save some bucks in the days ahead.

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Maybe some of you already know that I’m using Samsung Bonus Point credit card powered by MasterCard. I have been using it since 2007 and I like its benefits and services. It is also my first credit card that I ever used.

I also got another credit card in the past as a backup for my first card. During that time, my Samsung card was broken so I was forced to get a new card from other bank, Kook min Bank of Korea. Since I was a foreigner, the card is good until the date of my stay here. The best benefit I got from that card is the $100 cash back reward when we purchased our 42-inch LED TV.

So going back to the question: What is the ideal number of credit cards you must have? In my opinion, two credit cards is the ideal number per person or family. One card must be used as the primary credit card while the other one should be used as a back up in case of lost or damage of the primary.

As much as possible, the two cards should be a cash back or rewards card that can give you points or cash back from your purchases and no annual fee or very low fee. Make sure also that one card must be a MasterCard and the other one is a Visa because few establishments may not accept a Visa or a MasterCard so you can get the benefit of either of these two companies.

However, I will not advise you to apply for a credit card if you are an impulse buyer or you don’t have a regular job or income. I’m a little bit surprised that some people are asking me questions on how to apply a credit card even though their gross annual income is low compared to the requirements of major card companies.

I don’t know their reasons and motives why they want to get a credit card, I’m just assuming that maybe they will use it for purchasing some stuffs or gadgets which I think is not a good motive. I’m not against using credit card because actually it is good when you use it for the right reasons.

I see many people owning different kinds of credit cards but some of those cards are barely used. Having two cards will give you the maximum benefits, give you reward points and allows more space to your wallet. How about you? How many credit cards do you have?

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In alignment with these recent development, there are also increasing numbers of people who are becoming a victim of identity theft and online fraud. In this regard, I would like to make some tips that I carried out to protect myself from theft and fraud perpetuating around the web today.

Identity theft is a criminal act. It is stealing the valuable financial information from a person like her bank account details, credit card number, and other personal information related to her finances and privacy. Many developed countries like US, UK, Canada and Australia have already created laws in protecting their citizens against this activity. However, other nations are still formulating laws on how to combat this crime.

Probably, you’ve heard before that “Prevention is better than cure” and it is also true with identity theft. You have the biggest responsibility in preventing yourself from becoming a victim. Here are some of the suggestions that can be useful to avoid this kind of activity.

1. Do not write your Internet banking details on a piece of paper

It is not a good idea writing your online banking user name and password on a piece of paper for the sake of easy reminder. If that paper is lost, there is a high chance that other people might get it and then use it to acquire your financial data.

Always remember your log in details. It think this is the best way to protect your Internet banking information. Do not share or disclose it to someone you don’t know.

If you have a short memory, I suggests you write your online banking log in using Google Docs so anywhere you are, you can retrieve it. I use Google Docs spreadsheet to store my user name and password for almost all of my bank, stocks and website accounts. In this way, if I forgot anything, I will just open it and the file where my user name and password is located.

2. Shred all receipts and statement of accounts before throwing in the garbage bin

Another way to prevent identity theft is to shred all papers and documents that have your bank account or credit card number. In this way, you will lessen the possibility that other people might divulge your financial information.

You don’t need to buy a paper shredder, you only have to cut the paper or receipts into small pieces so that it will be harder for other people to see your bank account number. As much as possible, you must keep all your financial documents in a safe place in your office or home.

3. Identify and avoid phishing email

Phishing email is a very popular method on getting the bank or financial information from a prospective victim. Normally, this kind of email is sent to many recipients not only you. The most distinguishing feature of a phishing email is it will require you take an immediate action because something went wrong.

Normally, it will ask you to send your bank or credit card information through email. Beware! Always remember that your bank or credit card company will NEVER ask you to send to them your account or card info via email. It is definitely a sign of phishing.

In addition to this, there is also a link that you need to click which will direct you to a website almost similar to your bank’s website, usually, the log in page of Internet banking.

4. In case of lost ATM or credit card, report it immediately to your bank or card company

A lost ATM or credit card is a potential gateway for identity theft. It can be used by criminals to apply for other identification card using your name so it is very important to report that incident to your bank or card company in order for them to deactivate your ATM or credit card immediately.

In case of credit card lost, the thief can use it to make purchases online or even in a physical store. If your credit card allows a feature of automatic sending of message whenever you uses your card, enroll it to that service so you will know the transaction every time or when someone else are using your card.

If you don’t know which number to call in reporting a lost card, you can get it from the website of your bank or credit card. There is always a customer service that can help you deal regarding lost card.

5. Always be alert when doing financial transactions over the web

I assume there are more identity theft and online fraud happening around the web than in the offline world. Since many people now are buying or selling through the Internet using credit card and bank account, it is obvious that thieves will target these group of people.

That’s why maybe you already received an email before informing you that you win a lottery even if you didn’t buy a ticket. This kind of email simply want to get your name, contact info, bank account and others.

When buying something in the Internet, I personally prefer to use PayPal when paying  online. I think it is the most secure way to pay since you don’t have to write always your credit card number every time you buy. The only thing you need is log in to your account using your user name and password then pay the product you’re purchasing and it’s done.

You have also added protection because you can make a dispute or resolution to the seller whenever you’re transaction doesn’t agree with the terms and conditions or the product is defective. PayPal is the number 1 online payment system in the world and you can rely on them.

Preventing identity theft is your responsibility so you should carry out the tips mentioned above to make it happen. Always remember that ounce of prevention is better than ton of cure and it can save you a lot of money and time.

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I’m thankful for those two great years. In the beginning, I don’t know what will happen since I’m really a newbie blogger, zero knowledge about making blog and writing articles, and clueless on how these things will go on.

Through continuous hard work, patience and learning from you and other bloggers, I made this blog flourished for two years now and counting. There are many ups and down, lots of trials and errors but I could say it’s a lot of fun and excitement.

I would like again to refresh my mind about my plans for this blog this year and added one more thing. Here’s a short summary:

• post a total of 300 articles
• make an eBook and give it for free
• surpass $1,000 income per month

I made a post last time detailing my blog income and statistics after two years of blogging. You can find the article here.

It’s Time to Give Back!

To celebrate this remarkable day, I want to share the blessing that I’ve got by sponsoring one child through World Vision. Actually, it is my plan and dream this year to sponsor at least one child. The money that I will use for sponsorship will be coming from the income of this blog and the other blogs I have.

World Vision is an international, non-profit organization that helps poor children so they can go to school healthy and having complete materials for studying. World Vision is also helping communities by providing livelihood and empowering them for sustainable living. If you are interested in sponsoring a child, simply visit this link. The best time to help is NOW!

So that’s all and I hope you will continue to support this blog by sharing it to your friends, co-workers and family members. Again, thank you very much!

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