Category Archives: Business

What Every Filipino VA Ought To Know About EON Cyber Account Application And PayPal Integration

So I just got my EON card verified in PayPal today. It wasn’t an easy venture. Nobody seemed to know or they missed out on important details regarding what the true process is (that, or my research wasn’t well done); and most of the information I saw were outdated. Anyway, the experience prompted me to write this article for Filipino VA s who are looking to use UnionBank’s EON Card as their means to get their pay from PayPal.


So here goes!


Step1: Forget about online application

Yes, UnionBank has this online application form which can be found here. Don’t waste your time with this. I did and I was very disappointed with the result. You get a confirmation through email within 24 hours of submitting your application which looks like this:


You go to the branch, tell them regarding the confirmation and they get you to fill out the same application form (in writing) again stating that the online application the application in the branch are different from each other. Long story short, my online application was useless.

Step 2: Go to the nearest UnionBank branch for the application

Fill out the application form and pay PHP350 for the annual fee. The card can be acquired the same day if you do the application in the morning.

*** Note:

UnionBank is particular with your address. {The address on my driver’s license is different from my application address (Region 2).} Make sure that the address on your ID matches the one you listed on your application. (They will ask you for an ID with your address in it. Don’t get smart. I did.) Otherwise, they will require you to secure clearance from your barangay and the police.

Step 3: Pick-up your card and make your first deposit

Make sure that the teller provides you with the paper with your initial PIN. Then do your first deposit. UnionBank says to deposit at least PHP200.00 to your account. I got charged with PHP140+. So PHP200.00 is safe.


You will need your account number to make the deposit. It is the 12-digit number located below your name on the card


Step 4: Change your PIN

So you don’t go back and forth and to make sure that you are able to read your initial PIN (I guessed what mine was when I tried to enroll online), change it at the ATM machine outside the branch

Step 5: Go online and set up your EON Cyber Account

Step 5.1. Go to

Step 5.2. Click on EON or EON Cyber Account


Step 5.3. Click Enroll Here


Step 5.4. Enter your ATM card number and PIN



The ATM card number consists of 16 digits located above your name on the card


Step 5.5. Fill the form with other needed information and submit


The USERNAME will be permanent for your account. Pick the best username for long-term use.

Wait 2-3 banking days and try to log in to your EON Cyber Account.

If you get in, you’re set with EON!

Step 6: Integrate your EON Cyber Account to your PayPal account

Step 6.1. Go to and log in to your account


For security reasons make sure that the URL starts with “https”.

Step 6.2. Hover over to Profile and click Add/Edit Credit Card


Step 6.3. Fill the form out with the needed information and click Add Card


Congratulations! Your EON card is now linked with your PayPal account!

Step 7: Verify your card

This is the part where PayPal charges your card from your initial deposit for verification purposes. Do not worry because PayPal will return the money to you 24 hours after you put in the EXP code.

Step 7.1. This part will say “Not Verified”. Click on it.


Step 7.2. It will charge your EON card and send the verification code over.

Step 7.3. Go to your EON Cyber Account and log in

Step 7.4. Click on Accounts


Step 7.5. Click on the dropdown to go to Transaction History. Click Go


Step 7.6. Your PayPal 4-digit verification code


Key in the code in PayPal and congratulations! You have already verified your EON card in PayPal!


Was this article helpful to you? Did I miss important steps? Share your thoughts below.


Who Else Wants To Start Their Own Business?

Since I’ve made improvements to the site, a lot of people got curious and have already asked me how I do it; how I started and continue to maintain my online business. To somehow, answer that question is why this article was written.


As with starting any business, considerations must be accounted for if you’re looking for a steady income stream. These considerations lay the foundation on where your business will stand. These need to be contemplated on and mapped out appropriately to achieve the long-term gains and benefits of having your own business.


Let me briefly discuss 4 items I meditated on and continue to use as my guide and my foundation to starting my own online business. I hope that this provides you with ideas to get you started in your journey of having time and financial freedom for yourself, your loved ones and your passions in life.


So let’s begin!


  1. Define the “Why”

This pertains to what motivates you to make that change or take the risk; your “deepest why”. Your reason may be to have time freedom: more time for yourself, for your loved ones, for your sport, for your music, for your hobby, and, ultimately, time for what you’d want to die for. Your feelings toward your “deepest why” should be so strong, intense and passionate that it is just exactly that: something to die for. It is something or someone that you love but don’t have enough time for; that you’ll do whatever it takes so you can have that time freedom just to do that thing or be with that/those person/s. Your deepest why will give you the concrete foundation you need to build your business on.


  1. Set your goals

Same with “define”, this item will add to the foundation you already laid on when you identified what motivates you. Personal goals may be, as said, personal. They can also be future goals that will contribute to the enhancement, growth or well-being of those whom/which you set as your motivation. Goals should be clear visions of the outcome that you desire that once reached, will tell you that you’ve already succeeded with your business endeavor. They should be very clear in the sense that every detail is set just as they are real. With set goals, working your way back is easier, just like solving puzzles and mazes, as you are already able to picture what the end-result will be.


  1. Prepare yourself

Knowing your business extremely well is an absolute must! Could I say more? That is if you want to stand-out among the rest. Sure, there is something we call a “learning curve” but you have to, at least, know more than the average person before you start that particular business. This is where preparation comes in. Do your research! Learn about your services, product and target market. Listen to, read about, talk to or meet people who have already been in the business you want to venture in. No one may have been doing exactly what you envisioned as your business, but you can take parts from experts’ experiences and apply them to your business plan accordingly.

Stand out!


  1. Make a decision

When you’ve accomplished the three, you are now ready to launch your business. Now is the time where you have to decide; to put your plans in motion. Make the decision to go for it; to take the risk; to get out of your comfort zone. Personally, I almost always make blind decisions after I complete the first three steps. It is because I am a risk-taker and a firm, decisive person. This was especially when I was still single. I found that delaying these kinds of decisions only magnifies your fear of the unknown, just strengthens your grip on your comfort zone and prolongs preparation to the point that you never get to actually start something. Decide! Make the choice!


There you have it; 4 things I’ve taken into consideration as I take the path of a business owner. These can guide you to start a new adventure and open your mind to countless opportunities standing in front of you. Use these points as guides as you start your business or come up with your own formula for initiating your road to independence.


To time and financial freedom!


How about you? How do you start and maintain your business? Share your thoughts below.

How I Get More Time To Do More

“Time is Gold” How many times have we heard of this saying? Time may equate to gold, diamond or other precious metals but its value far outweighs the rest. Everybody has 24 hours per day. “Managing time” doesn’t mean exactly that. Rather, it is efficient planning and implementation of the said plan. Time Management is a set or related common sense skills that help a person use their time in the most effective and productive way possible.


Time Management techniques teaches you to:

–       Determine important things versus non-important ones

–       Control time-wasting and work-flow-breaking distractions

–       Increase overall effectiveness-Reduce overall stress

–       Use time as effectively as possible

–       Increase the amount of time in which one can work with


Plans take a huge part when it comes to saving time. As they say: “Planning takes time; not planning takes more”. As the saying goes, you need planning and organization skills to maximize your time. One simple but effective method you can use as guide for planning to maximize your time is the Shewart Cycle.


The Shewart Cycle highlights 4 steps to take as you do your planning:

Plan, Do, Study, Act


Let me show you how I use and apply these steps to manage my time.


Step 1: Plan

Just like my article regarding Goal Setting, planning is essential if you want to maximize your time. List everything down. Identify the things you want (or need) to do, prioritize the important stuff, set deadlines for your actions, then move on to the next step.


Step 2: Do

Implement the plan! Put it into action! Move your Ass! DO!! (Need I say more?)


Step 3: Study

This is the step where you analyze your actions based on your original plan. Evaluate the results. Did you get the outcome that you expected? Were the results and your planned goals the same? How would you rate your actions with regard to their effectiveness? What do you need to improve on? You can change or modify your plan according to the results that you got; or formulate a new one entirely. Evaluate!


Step 4: Act

Take action once more. This time, base it on your evaluations from Step 3. Improve the original action you took. Be more efficient and effective. Then repeat Steps 3 and 4.


This approach to time management is as simple as it gets but do not be deceived. The simplicity of this approach is what makes is dead effective.


Did it make sense? How do you get yourself more time to do more? Share your thoughts below!


5 Key Questions Before Your Next Email

In our time and age, email is one of the most commonly used mode of communication especially with businesses. Almost everyone uses email which easily outruns traditional mail and phone calls. Email mechanics are learned by most people as soon as they gain access to the internet. However, majority NEVER receive any instruction on how to effectively use or manage their email.


With regard to your next email, should you really be sending that out? How do you know? Andy Kaufman, the Director of the Institute for Leadership Excellence and Development, is the author of “How to Organize Your Inbox and Get Rid of E-Mail Clutter”. He introduced the “Five Key Questions”. Let’s go through them briefly.


5 Key Questions to Ask before Sending That Next Email Message


  1. Does this really need to be communicated?

There is a lot of unnecessary “stuff” out there – jokes, virus hoaxes, and urban legends – sent by friends within and outside the company- Email message unnecessary for business = do not send it!


  1. Is e-mail the best way to communicate this message?

Emails definitely save time but isn’t the right medium every time. When emotion or controversy is involved, an email may be misunderstood on the receiving end. Rethink about sending it out. Never inform of poor performance or impart bad news through email. If your message requires immediate feedback, email will not be the best medium, too; and never use email to handle personal issues.


  1. Who really needs to know this?

Take time to think about who should receive your email message. Do not just click “Reply to All”. If a person does not need to take action but needs to be included in the message, place their name on the “cc” line. If a person does not really need to know, keep their names off the address line entirely.


  1. What’s the most appropriate content?

Most emails contain too much information. Some recipients tend to scan through long email messages and may miss important information. The Rule of Thumb is if the message takes more than one full screen, it’s too long.


  1. How can I best help the recipient take action on this?

We’ll use the subject line as an example: Never leave it blank! Use an informative subject that tells the recipient what the message is about (“Company Requirements”, “Article Topics”) It’s also helpful to include needed action at the beginning (“Escalation Required”, “Please Respond”).


So before you send out that next email, go through the questions, first. Communication between yourself and the recipient will be much better.


Was this article useful? Share your thoughts below! 🙂


11 Steps For Setting Goals And Managing Them

A Goal is defined in Merriam-Webster as “the end toward which effort is directed.”


This can be applied to a variety of things: sports, academe, finance, life, etc. Everybody has goals. We all have dreams we want to fulfill but setting them is just half the battle. How about the rest of it, though? How do we accomplish our goals? How do we make our dreams real? What are we supposed to do; steps we need to take? How do we move forward? Having goals is easy. Think of what you want most and you have a goal; something to aim for; a destination to get to. However, getting there is another question and tasks need to be done as a pre-requisite. If you want to go somewhere and you don’t know how to get there, you’ll need a map. This is what this article will be about: Setting and Mapping out Goals.


This task is not as easy as it sounds; especially for those who work long hours or manage a hectic schedule or household. This article will cover 11 things I do (in order) when I set goals and organize steps to reach them. Let’s start!


1. Set a Deadline


Ask a quick question to yourself: Where would I be 10 to 20 years from now? The “10-20 years” will stand as your deadline then work from there.


2. Categorize!


To be able to answer your question in a more detailed manner, treat aspects of your life individually. Separate all that compose you as a being and set them as categories. These categories can be as: Financial, Spiritual, Relationships, Properties, Career, Miscellaneous, etc.


3. Make a Few “More“


When you’re done categorizing parts of you, try to list at least 3 goals for each category. 3 goals for 5 categories will equate to 15 semi-specific ones which you can start working on.


4. Make the Few “Less”


With the list of goals you have just created, take out the goals that are most unlikely to happen (at least now that you are just starting out). Examples will be “CEO after 5 years”, “a house in all 50 states”, “and retirement at 30”. These can be re-added anytime, anyway; or after meeting a more realistic goal.


5. Prioritize!


Look at your list once more and rank them from 1 to, for example, 15; with 1 as the top priority and 15 as the lowest. Make sure that you have time, money and effort considered. Setting up your car may be your favorite but if your money won’t be enough until after a year, it will have to be moved down the list. Keep checking and evaluating your list from time to time to make sure that your ranking stays the same.


6. Set Options


Let’s say you wanted to start an exercise program to be a “strongman” competitor; set options that will lead you there. Examples of option would be get an e-book regarding strongman training, enroll in a strongman gym or build your own. Still take consideration of time, money and effort. From there, you can decide what you want to start with.


7. Establish the Steps


With the strongman example, let’s say you went with enrolling in a strongman gym; what should you do to be able to enroll? List short and measurable steps down:-Research about strongman within your area-Reach out to people you know (close to you or not) who are training strongman-Enroll in the nearest gym-Commit to going to the gym 3 times a week-Commit to 1 hour of exercise per session


8. Act!


You have already selected your priority goal and listed steps to do. Now will be the time to DO them!


9. Progress Check


People are able to set and start goals. However, few get through the finish line and actually reach them. Missing this step is usually the reason. Going back to your list and see it makes a big difference. It helps you evaluate your current situation and zaps “fixes” to your brain if you’ve stalled.


10. Reset Goals as Needed


In the middle of your training, you stalled. You went back to your list but couldn’t figure out what to do. Your heart wasn’t just into what you were doing. It will be the time to switch to a different option. In this case, bodybuilding may be a better option because you were concerned about the symmetry of your body; or powerlifting for pure strength.


11. Re-evaluate your Success


Review the goal after you’ve met your time commitment. Have you reached the body fat percentage you’ve always wanted? Already seeing your abs? How is your overall strength? How was your last meet? Answers to questions like these help you determine your success rate. You’ll figure out what’ll be the next to do. Changing, continuing or stopping what you’ve been doing? Or start on the next goal?


Feel free to take from this article and apply the concepts to your goal setting. You are going to need all the tips you can get out there. After all, goal setting will be useless if it is managed or planned poorly.


These are the steps I follow when I set and manage goals. How about you? How do you do yours? Share your thoughts below!

How I Came To The Decision To Start Working At Home: The 2 Factors

Working at home is working at home. It is waking up every day, grabbing some breakfast, making your cup of coffee, going to your home office and start working. That’s it! It doesn’t require commuting, getting into heavy traffic, working with equipment that does not suite your style, working your routine 8 hours a day for 5 days a week, getting your 2-day weekends and repeat the process.


Working at home has caught my attention mainly because of 2 factors:

1. Time

2. Money


Let me tell you what made me consider leaving my full time job as a supervisor in a BPO company and start working at home.



As I have come to realize after I started to become a dad, Time is of utmost importance. You will not be able to take back time, it is constantly moving forward and it goes by quick. It is indeed precious and ways to maximize your time should be top priority.


Hours consumed from commuting to and from the office is wasted time (unless you are doing something productive while at it). Idle time spent in the office just waiting for tasks, answering unnecessary emails, getting into unnecessary calls and prolonged meetings, etc. is another way to throw out time.


I have been an employee for almost 5 years. I can say that only about half of that time was spent to be productive. I do not discredit the time I spent with the companies I have been with and I am thankful that my present situation has let me clearly see these things now. Working at home takes away the waste of time I mentioned above. It gives you time freedom to be productive while spending it with the people you love at home. Having your own business, online work, etc. will be some of your ways to achieve this. It cannot give you the promise of sure salary on a monthly basis at first but with enough diligence and hard work, it eventually will.


You just need to be open to the opportunity, learn it and work on it as you would in an office.




Expenses are higher when you are working away from home. You have to pay for transportation to and from the office, car expenses go up with heavy traffic, ready food has to be bought from stores (instead of making them yourself), contributions for company events that do not interest you, etc. In line with these, savings are lower and investments are fewer. When you think of it, these expenses can be cut down significantly just by closing the distance between your workplace and your home. What more if you start working at home?


Money is important, too. If used wisely, it lets you enjoy little things in life. Things like taking your family out on vacation; buying stuff they need (a beautiful house, delicious home-cooked meals, etc.); getting something for your wife or something for your kids, etc. Working at home gives you the budget to do so. Being able to cut expenses from commuting to and from the office, for one, is a lot. Personally, it will cut my monthly expenses down by PHP5000! You will be able to increase your savings and investments. Cash can be used for training, personal equipment and more productive things for yourself instead of a company that you work for.


Again, all it will take is your openness to the opportunity and your willingness to pursue it.



Time and money are utterly important in life. Working at home is non-traditional, but it is one of the ways you can maximize both these things and build on the more important things in your life: Your relationships.

Top 10 Tasks You Can Outsource To A Virtual Assistant

Being a business owner, you can’t help but get involved with everything and anything about your business; both leg and back-end work. Being “hands-on”, is not a bad thing, entirely. But this is where a lot of business owners begin to find the struggle (especially when starting out or at mid-year). They tend to do “too much” and lack the time to do “more important” work such as going out and marketing their business to others.


I loved this the first time I read it:

“Exercise frugality with how you spend your time and I guarantee you’ll make progress far faster than those who are frivolous with theirs”.

This was said in one of the comments in Chris Ducker‘s site. It is a good advise for business owners regarding their precious hours.


So why not get that time back and start working with a Virtual Assistant to do the dirty, back-end work for you?


Here are my Top 10 Tasks You shouldn’t be doing as a busy business owner and which you Can Outsource To Virtual Assistants:

1. Appointment Setting

2. Blog Management

3. Client/Customer Follow-Ups

4. Data Entry and Processing

5. Email Management

6. Preparing Presentations

7. Recruitment

8. Schedule Management

9. Social Media Accounts Set-Up and Management

10. Social Media and Blog Posting


These are just a few from that endless list of tasks Virtual Assistants can handle. Sure, each VA will have their own areas of expertise but with a bit of training and patience from you,  anything is possible!


Have you gotten yourself a VA, yet? How are they? Have you outsourced work to a VA? How was it? Share your thoughts below!