Well, there are other choices:

• Nokia 1680C cellphone
• Smart Plug ‘N Talk
• Smart Bro Plug-it
• rebate of 160 a month or nearly 4,000 in savings over the 24-month period

Additionally, after 3 years, one has the option to apply for a plan downgrade to 799, apparently with the same features, so this means more savings.

As expected, I chose the HP printer, scanner and copier, since I’d be getting three gadgets, wow! And it has been working very well since its delivery.

Renew now and get one HP printer, scanner and copier too.

This is the only credit card in the Philippines which has no annual fee for life.

Except of course those premium cards for the very wealthy, and those cards whose owners accumulate enough points to get annual-fee waivers.

I’ve related in my other posts that I finally became free from the bondage of credit cards last February 15.   I had eight credit cards, and after paying off all the balances, I canceled all of them, except my local BPI Classic.

But because I need a credit card for my Internet payments, I had to choose one credit card good for international purchases.  I like BDO Shop More, but if I have to cut costs, I should retain one with no maintenance fee.

So I finally chose the M Free Mastercard of Metrobank.  After canceling my old Metrobank card, I requested for the no-annual-fee card, and it was given to me.

More than a year ago, I applied for this no-annual-fee Metrobank card, but I was told I need to first use an annual-fee Metrobank card for at least a year before I can qualify for the free annual-fee credit card.

If you need to maintain just one card, consider this no-annual fee credit card.

You need a combined thesaurus and dictionary to help you with your writing some of the time. And of course, you want an easy-to-use, complete, current and accessible one. WordWeb is it. You will be glad you discovered it. The free version is as good as any dictionary on the Internet. You can download it and then put a shortcut on your desktop. For freelance writers like me, this is an amazing gift.

2. Blogger

Not only you can use blogger.com to host your sites, you can also use it to easily compose your posts or articles for other sites. For example, you’re writing for Squidoo which doesn’t have an automatic html feature, or you’re composing something for your Wordpress sidebar, and you need to put links or you need to put some words in colors or in better fonts, you just go to the Create New Post of your blogger.com account, click Compose and then create your posts or short notes. After you finish, click Edit Html, and then you have it, your short notes in Html format. Of course, Wordpress has a more sophisticated writing interface, but I’ve found that blogger.com loads and responds very fast for short posts and notes for my Wordpress sidebars.

3. Fotoflexer

This is one of the easiest free online editing photo editors I’ve found. You don’t even have to register before using it. Just upload your photo from your PC, or get it from other online photo hosts such as picasaweb, and then you can start editing your photo. Fotoflexer is good for non-Photoshop experts like me because it has an Undo feature that you can click many times. It also has Apply and Cancel buttons. When you try the tools such as Effects and Beautify, you can try clicking all options and then click Cancel if you don’t like the result.

4. Webmasterlabor

If you’re a freelance writer, you would like to make sure that your article is not exactly the same as any other article on the Internet. Surely, you wouldn’t like anyone to think of even just a taint of plagiarism when they read your article. Even if you know you wrote it on your own, it pays to check it. Just paste your article on the box, click Compare with Google, copy the number shown, click Compare and then wait for a few minutes until a new page appears. Click New and then you’d see if some of your phrases have duplicates on the internet. Of course, if you have the paid Copyscape service, you don’t need this. There are other tests, which I would describe in another article.

Notice: As of May 2009, this site has stopped its plagiarism checking service. As a substitute, I recommend plagiarism.detect. This needs registration and accomplishment of a short usage survey.

5. Create your Own Widget-Ready Footer in Wordpress

This article is specially mentioned, although there are lots of helps across the internet, because it was really helpful to me. It was just Copy and Paste, and some little tweaks in the CSS after. If you’re using a Wordpress theme that has no footer “sidebar”, and you like to have one, here’s a set of instructions very easy to follow. Just copy and paste. There is just one instruction there that you need to change– the codes that you need to paste on your footer.php. Just download the files the author is asking you to download. Open the footer.php in Word and then copy the subfooter block. This is the one you need to copy and paste on your footer.php. Perhaps the author just wants us to think a little and not just copy and paste and then sleep.

Paypal is an online payment system. It’s free for personal users and offered for a fee to businesses.

Three Kinds of Accounts

• Personal Account — for individuals who pay online
• Premier Account — for individuals who buy and sell online
• Business Account — for companies and organizations

Opening an account is free and easy.

Sending Money

Sending money through Paypal is free. You use your Mastercard, Visa and American Express cards or your US bank account.

Withdrawing Money

There is a fee of 50 pesos for withdrawing less than 7,000 pesos. If it’s 7,000 pesos or more, it’s free.

Your withdrawal is done using your account with your Philippine bank and it takes about 2 to 5 working days. So, before you make your withdrawal, you must first add your bank account details to your Paypal account. Just click Withdraw and then Withdraw funds to your bank account. You will be requested to enter your name, bank name, bank account number, and a 9-digit bank code. You can copy your bank code from the Philippine PayPal bank code list compiled by James of pinoymoneytalk.com.

Additional tips

1. Make sure the name in your Paypal account is exactly the same as the name on your bank account. There is a return fee of 250 pesos, if the transaction fails due to this error.
2. To make sure you are really on PayPal site, check 3 things:

• your URL has s on the https://www.paypal.com
• your URL has the PayPal icon, a blue-colored P, and the name Paypal, Inc. (US)
• at the right bottom corner, there should be www.paypal.com and an image of a lock
  

Company Background

PayPal, based on San Jose, California, was founded in 1998 and was bought by eBay in 2002. Currently, it has more than 153 million accounts in 190 countries and in 18 currencies around the world.

PayPal has also received numerous Internet industry awards, including the 2006 Webby People’s Voice Award for Best Financial Services Site and the 2006 Webby Award for Best Financial Services Site.