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Last Build Date: Sun, 02 Aug 2009 16:17:37 GMT


I should have better days

Sun, 02 Aug 2009 16:17:37 GMT


I've had better days than the ones I am having right now. Had I known that I would hit such hard times I would have listened to my parents and saved, or at least gotten a real job. That way at least I wouldn't have to live under the shadow of foreclosure. At least then, I would at least be earning a decent living, and maybe not be scraping the bottom of the barrel, like I think I am now, looking for the most viable loan modification programs I can find, all in efforts to keep the home I have right now. I can very well go back and live with my parents, but at my age, I don't think I will be able to live that down. I should very well be, at the very least, be able to pay off my outstanding debts, even if I do it little by little, rather than look for loan modification leads every chance I get.

I'm taking a cue from my neighbor who was able to successfully save their home from foreclosure, and follow that loan modification example, I think there's a good chance it would also help me greatly.

Hoping for inclusion

Sun, 02 Aug 2009 16:01:19 GMT


If people think that the economic crunch has hit people in the United States real hard, imagine how difficult it is for people who are listed with bad credit. People like me. We are of the group known as subprime. It almost sounds like we are sub-humans, and maybe in the eyes of creditors, we are. Anyway, I have always wondered if the great Obama bailout being sprouted by the current administration covers people like me, whom creditors are quite hard-pressed to even entertain? I have always wondered if the bailout plan also spells bailout subprime - obama bailout money?

If this is the case, then I think I would be better off now listening to the politics update they have on the news. I had no use for it then, maybe it'll be of use to me now. If there is hope in the bailout plan, I really hope it extends to people like me.

Alternative employment opportunity

Sat, 01 Aug 2009 17:18:28 GMT

This recession has hit almost everyone in my family up and down and sideways. Except for the kids who go to school, almost everyone in my family had a job, now there are only two people in the family who still have jobs, and the companies they work for are also in danger of closing. They were already told to be ready for the worst, so it's pretty much a clear sign that they should join us in looking for new jobs. The problem is there aren't that many job opportunities right now, especially with unemployment expected to rise even more. A buddy of mine from the company I used to work for told me I should look into a job as medical transcriptionist, since of us all that used to work at the office, I have the most proficiency in computer use and encoding.

I've read somewhere that there are a growing number of people seeking opportunities in work at home transcriptions, and I think, considering the fact that a lot of established companies are also closing operations, this may be the way to go. I also think that with the proper training, medical transcription online jobs are among the fastest to master, plus I think the rest of my family can do this too.

Gawad Kalinga versus Red Cross

Sat, 01 Aug 2009 17:07:16 GMT

I have a friend who had a dilemma. And his dilemma basically goes like this:

"At this point in my life, I would love to live for others. I am tired of myself essentially and I just want to work the fat off my soul. But which organization should I join? Should I join the Philippine Red Cross, or Gawad Kalinga? Or aren't they one and the same?"

This is a basic misconception for some people. Gawad Kalinga has nothing to do with the Philippine Red Cross. Well, perhaps after the writing of this article, the two organizations might have some organization merges. But right now, the two are separate entities that are just similar in that they are both charitable and they are both based in the Philippines.

But this issue does raise a good question. What are the main differences between the Philippine Red Cross and Gawad Kalinga? Here they are, listed down for your easy reference:

Philippine Red Cross

Founded during an early revolutionary period of the country (1947)

Unaffiliated to Religion

Focused on giving emergency relief through various programs such as

o Social Services
o Community and Health Care for children, elderly, pregnant mothers, and people with disabilities.
o Disaster Aid and Management
o Blood Donations Serivces

Gawad Kalinga

Founded by Couples for Christ in 1995

Started out from a religious organization and turned into a secular group

Aimed to build homes and communities for the homeless and now aims to boldly "eradicate poverty" in the country.

Its primary aim was to build 700,000 houses in 7,000 communities for the next 7 years which was aptly dubbed as GK 777. Though these high aimed numbers were not reached, the end results were astoundingly close. Up to now, it is the only charitable organization that can boast results in the thousands of sturdy and working communities complete with school and livelihood programs it erected.

An after sales support solution

Sat, 01 Aug 2009 16:55:52 GMT


I have always wondered how much it would take to outsource the after sales support of a company. I have a rather small company, but I manage to sell a large volume of the products I sell, and since a number of them are my own products and services, I think it would also help me a lot to have an after sales support service, rather than having to entertain customers who come back to my shops just to ask something about my products. From what I hear, a lot of companies outsource their call center requirements to the Philippines, so I have taken it upon myself to try and secure a Philippines call center list and directories, just to get a bird's eye view of how much this will amount to on my finances.

I have talked to some business people like me who have their own start ups and have outsourced to countries like the Philippines for their after sales support. I was also able to talk to these people about the Philippines call center salary overview, since I definitely need to know what I'm getting into before I dive headlong into it. I am optimistic, however, that the expense for this is worth it.