You can really make money on the Internet. After a time, you can even depend on the Internet as your monthly source of income.

Many Filipinos are already making a living on the Internet, and I’m happy to say I’m one of them.

As soon as I reach my earning goal on the Internet, I plan to resign from my day job and focus on increasing my Internet endeavors. Currently, I’m earning between $250 to $300 from the Internet every month — not yet enough for my family, so I haven’t resigned from my day job.

At the start, you’ll only earn cents, but later on, you’ll find that these cents add up.

As you become smarter, and as you increase your money-making gigs, you’ll see the dollars coming in.

Here are ways to make money online, and I classified them as:

• Easy   —   Some money
• More Effort Needed   —   More money
• Much More Effort Needed   —   Much more money

I’ll try to shorten and simplify my explanations so you won’t get overwhelmed, and so you can start immediately.  I’ll write about specific strategies in my later posts.

EASY WAYS:

1.   Join Paid-to-Click (PTC) sites. (Warning: As of May 2011, I’m no longer recommending PTCs. More and more PTCs are not paying. Three sites, where my daughter conscientiously clicked, even those recommended by sulit.com.ph clickers, are no longer paying.) Just please go to No. 2.

You just sign up, and view a number of ads at certain times of the day. But beware, there are a lot of scam sites. Some new sites really pay, but oftentimes they shut down without paying when they lose money. Those that pay very little are the ones that survive.

If interested, you can find nerbie on sulit.com.ph and ask what the legitimate sites are. I
referred nerbie instead of the others on sulit because I find him very helpful to new bloggers. He’s earning about $1,000 a month from blogging, but he also participates in PTCs.

My young daughter also does PTCs, so if interested, you can comment below and my daughter will give you the PTCs she’s doing.

2.  Answer questions on MyLot.

Choose questions you like to answer. The longer and more relevant your answer, the better.
Sign-up for a MyLot account.

MORE EFFORT NEEDED:

3.   Answer questions on WebAnswers.

Choose questions to answer. You’ll earn thru Google Adsense. If you don’t have an Adsense account yet, WebAnswers will help you get an account after getting 10 awarded answers.
Sign-up for a WebAnswers account.

4.  Start a blog on Blogger and earn from Google Adsense.

Blogger is a free blogging platform, and it’s the best of the many free blogging sites on the Internet because it’s owned by Google.

Just go to Blogger.com, and create a blog. Just follow the instructions. Don’t worry about making a mistake. Every mistake can be corrected easily. You’ll learn.

What is a blog? A blog is just like a diary, a newsletter, a magazine, or a newspaper where you write something that your readers can read.

It can be about anything, but of course, it helps if you write things that are interesting to many people. And Google bans topics such as pornography, graphic sex, gambling, prescription drugs, malware, promotion of crimes, etc.

Think of topics that people are searching. Best resorts in the Philippines? Best investments? Makeup? Clothes? Gardening? Pets?

Choose topics:

• that you know
• that you enjoy writing about
• that other people are interested in
• that other people are researching on the Internet

As you blog and learn, you’ll come to know about keywords, keyword search, SEO, etc.

But the more important thing is you start now.

After you have written about 20 articles, and you have attracted some readers, apply for a Google Adsense account. If your application is approved, you can earn from clicks of Google ads on your blog.

Be warned that only legitimate clicks are paid, and you will be banned from Google forever if you click your own ads, or if your friends/family click on your ads. Google will know; it has sophisticated software to track online activities.

You can also earn from Amazon. I’ll write about Amazon soon. Meanwhile, build up your Blogger blog or site.  Sign up for a Blogger account.

MUCH MORE EFFORT NEEDED:

5.   Write for free revenue sharing sites.

You write articles for these sites, and then share Adsense revenues. Some also allow Amazon links. You get an income share of from 50% to 100%.

There are many of these sites, so since our time is limited, choose the best.
I recommend these sites:

EXCERPTZ —    This is fairly new but the advantage is your articles get noticed immediately. You get 80 percent of Adsense revenues. You can also link to Amazon directly.

BEST-REVIEWER —   It’s easier to create posts on this site compared to others. Why? There’s already a format. It’s like filling in the blanks. There’s a format for Top, something like Top 3 Best-selling Movies of all Time, or Top 5, or Top 10. The other format is How much money does ___ earn? Just write any person or occupation. Of course, choose those that are interesting and popular — the celebrities.

HUBPAGES —   This is the most popular revenue sharing site today. It’s on the list of
Quantcast’s Top 100 Sites and Alexa’s Top 198 Sites.

There are others like xomba, bukisa, snipsly, squidoo, shetoldme, and yousaytoo, but I suggest you focus first on the three above, although you can also explore these four.

6.   Create your own website hosted by a web hosting firm that you pay.

Blogger.com is free, why would I pay to create a website or a blog?

Yes, you can earn from Blogger.com. But there are advantages to owning your own site too:

• You have more design options.
• You’re free to choose the ads that you display on your site.
• You can sell your website or your domain name if it becomes successful and popular.
• Blogger.com can delete your website if you violate its terms.
• You have an easier-to-remember domain name.

On Blogger.com, your domain name is domain name.blogspot.com, something like
happytravel.blogspot.com.  If you own your site, your domain name would be happytravel.com.

Today, however, Blogger allows you to buy a domain name to remove ‘blogspot’.  Just pay $10 per year.

Of course, you can have Blogger blogs and paid sites at the same time.

workingpinoy.com is hosted by 1and1.  But one day, I’ll move to Hostgator, my original choice.

One of the best webhosting firms is Hostgator.  Go to forums and you’ll find that many bloggers recommend it as a webhost.

7.   Become an affiliate marketer.

This is like being a sales agent of a company. You sell a product and you get a commission.  I have tried popular affiliate sites like Clickbank and Commission Junction, but I have not yet been successful on these sites. I have a day job, so I lack time to market products. The products need to be blogged about.  In addition, these sites have commission amounts that you need to reach before you can get your money and certain time limits.

My recommendations are Amazon and Clickbank. You can sell Amazon products through your sites, including your Blogger blogs, and revenue sharing sites. Most importantly, Amazon is a trusted brand. It really pays.

Clickbank sells only digital products like ebooks and software, so it doesn’t have delivery problems.

8.   Become a freelance writer.

You can find a writing gig on Craigslist Manila. I have written a blogpost on my great
experience getting a freelance writing job on Craigslist.  Be warned though that there are a lot of scams on Craigslist.

There are other sites where you can get writing jobs, like Odesk, etc., but I haven’t tried them.

As you surf, you’ll see a lot of  ads that say Become an instant millionaire, Earn thousands of dollars Overnight, or Watch your dollars grow as you sit.  Take a look to see for yourself.  All of them ask lots of US dollars from you first before you make money. Don’t get enticed, or else you’ll be throwing your money to swindlers.

Lastly, if you don’t have yet a Paypal account, get a free Paypal account. Many online enterprises pay through Paypal.  If you don’t have a credit card to verify Paypal, visit the Union Bank website and read its advice on Paypal verification.

Google Adsense pays Philippine bloggers thru Western Union.

Related Article:

Fellow New Freelance Writers in the Philippines — Some Tips

What’s the difference between a college and a university?

Both terms refer to institutions of higher learning or post-secondary education, but
a university encompasses a larger scope compared to a college. A college typically offers a number of associate or bachelor’s degrees or one- to five-year courses while a university also offers masteral or doctoral degrees, in addition to a larger number of baccalaureate degrees.

A college may also refer to a certain discipline or department, such as college of law or college of liberal arts, which is part of a university. Some colleges, which are not parts of universities, specialize in certain disciplines, such as nursing or engineering, and some of them use the term institute in their names.

Note: Some colleges use the abbreviated word St. instead of Saint in their names.

ABE International College of Business and Accountancy- Quezon City
#878 Rempson Bldg., Aurora Blvd., Cubao, Quezon City, Second District
Telephone: (02) 912-8366; 912-9577
Website www.amaes.edu.ph

Abraham Dumlao Colleges of the Philippines
#12 Salvia St., St. Dominic Subd., Brgy., Kaligayahan, Novaliches, Quezon City
Telephone: (02) 936-0957

Access Computer and Technical Colleges-Quezon City
941 Aurora Blvd., corner Potsdam St., Cubao, Quezon City
Telephone: (02) 912-4875
E-mail:  accesscu2@pldtdsl.net

Alejandro Colleges
Alejandro Campus, Gen. Luis St. Novaliches, Quezon City
Telephone: (02) 937-2639 to 40

Alliance Graduate School
101 Dangay St., Veterans Village, Project 7, Quezon City, Second District
Telephone: (02) 373-6398 to 99 / 371-3984
E-mail: contact@ags.edu.ph
Website:  www.ags.edu.ph

AMA Computer College-Fairview
Lot 9, Block 129, Regalado Ave., Brgy. Pasong Putik, Fairview, Quezon City,
Second District 1118
Telephone: (02) 935-4687 / 938-9770
E-mail: amace.fairview@amaes.edu.ph
Website:  www.amacc.edu.ph

Angelicum College
112 M.J. Cuenco St., Quezon City, Second District
Telephone: (02) 712-1745 / 732-4439 local 110
Website:  www.angelicum.edu.ph/root/index.html

Asia School of Arts and Sciences-The College of Information Technology
433 Jorjo Bldg. Tandang Sora Avenue, Barangay Culiat, Quezon City,
Second District 1116
Telephone: (02) 455-1920 / 455-1921 / 455-1926
E-mail:  asas.philippines@yahoo.com

Asian College of Science and Technology- Cubao
1013 Aurora Boulevard, Project 3, Cubao, Quezon City, Second District
Telephone: (02) 912-3236 / 912-3239
E-mail:  acsatadm@yahoo.com, acsat_hrstaff2008@yahoo.com
Website:  www.acsat.edu.ph

Asian Theological Seminary
54 Scout Madrinan, South Triangle, Quezon City, Second District 1003
Telephone: (02) 928-6717 / 928-51-05
E-mail:  info@ats.ph
Website:  www.ats.ph

Bestlink Institute of Information Technology
1044 Brgy. Sta Monica, Quirino Hi-way, Novaliches,
Quezon City, Philippines
E-mail:  support@bestlink-institute.edu.ph
Website:  www.bestlink-institute.edu.ph

Capitol Medical Center Colleges
#4 Sto. Domingo Avenue, Quezon City, Second District 1100
Telephone: (02) 742-5531 / 742-7179
E-mail:  cmcc_registrar@yahoo.com
Website:  www.capitolmedical.org/CMCcolleges/index.html

Central Colleges of the Philippines
52 Aurora Blvd., Brgy. Doña Imelda, Quezon City, Second District 1100
Telephone: (02) 715-5170 local 110 / 147
E-mail:  bobcat@ccp.edu.ph
Website:  www.ccp.edu.ph

CICM Maryhill School of Theology
# 62 14th St. corner Gilmore Avenue, New Manila, Quezon City 1112
Telephone: (02) 721-2695 / 722-4043 / 726-6867
E-mail:  mstregistrar.maryhill@gmail.com
Website:  www.maryhillschooloftheology.com

Colegio de San Lorenzo
Congressional Avenue, Project 6, Quezon City, Second District
Telephone:  (02) 920-2656 / 454-6644
Website:  www.cdsl.edu.ph

College of St. Catherine
362 Quirino Hi-way, Baesa, Quezon City
Telephone:  (02) 330-4883 / (02) 330-3620

De Los Santos-STI College
201 E. Rodriguez Sr. Blvd., Quezon City 1102
Telephone:  (02) 721-7871 / (02) 413-4968
Website:  www.dlssti.edu.ph

De Los Santos-STI College of Quezon Avenue
1050 CDC Bldg. Quezon Avenue, Quezon City
Telephone:  (02) 373-3350 / (02) 373-3360

Diliman Computer Technology Institute
Commonwealth Avenue, Diliman, Quezon City 1121
Telephone:  (02) 931-1089 / (02) 931-1056 local 824
E-mail:  info@dcti.edu.ph
Website: www.dcti.edu.ph

Divine Word Mission Seminary
101 E. Rodriguez Sr. Avenue, Quezon City 1112
Telephone:  (02) 726-5002 to 04 / (02) 412-1241
E-mail:  cksvd@compass.com.ph

Dr. Carlos S. Lanting College
16 Tandang Sora Ave., Sangandaan, Novaliches, Quezon City 1116
Telephone:  (02) 938-7782 / (02) 938-7789
E-mail:  info@lantingcollege.com
Website: www.lantingcollege.com

Entrepreneurs School of Asia
27 Calle Industria Bagumbayan, Libis, Quezon City
Telephone:  (02) 638-1188

FEU-Dr. Nicanor Reyes Medical Foundation
Regalado Ave. cor. Dahlia St., West Fairview, Quezon City 1118
Telephone:  (02) 427-0213 / (02) 938-4884
E-mail:  info@feu-nrmf.ph
Website:  www.feu-nrmf.ph

FEU-FERN College
Sampaguita Ave., Mapayapa Village, Diliman, Quezon City 1104
Telephone:  (02) 931-6064
E-mail:  info@feufern.edu.ph
Website:  www.feufern.edu.ph

Grace Christian College
Grace Village, Sto. Domingo St., Balingasa, Quezon City
Telephone:  (02) 387-0240
E-mail:  info@gcc.edu.ph
Website:  www.gcc.edu.ph

Informatics College Eastwood
Orchard Road, Bagumbayan Libis, Quezon City
Telephone:  (02) 667-3092 to 96 / 98

Informatics College-Quezon City
29 North Avenue, North EDSA, Diliman, Quezon City 1104
Telephone:  (02) 925-5640
E-mail:  iic_quezoncity@informatics.co.ph
Website:  www.informatics.edu.ph

Institute of Community and Family Health
4th flr. Medical Arts Bldg., 11 Banawe cor. Cardiz St., Barangay Doña
Josefa, Quezon City 1113
Telephone:  (02) 712-0815
E-mail:  icfh_inc@yahoo.com

Institute of Formation and Religious Studies
28 Acasia St., Cubao, Quezon City 1112
Telephone:  (02) 724-7173 / (02) 721-9932
E-mail:  ifrsphil_edu.com.ph
Website:  www.ifrs.com.ph

J.P. Sioson General Hospital and Colleges
75 Bukidnon St., Bagong Bantay, Quezon City 1105
Telephone:  (02) 455-4281 / (02) 927-5643 (13)

International Graduate School of Leadership
#12 Daisy Road, Old Sauyo, Novaliches, Quezon City 1116
Telephone:  (02) 454-4546 to 50
E-mail:  info@glg-igsl.org
Website:  www.glg-igsl.org

Kalayaan College
22 Manga Road Corner Aurora Blvd., Quezon City 1803
Telephone:  (02) 726-6291
E-mail:  info@kalayaan.edu.ph
Website:  www.kalayaan.edu.ph

Kester Grant College-Philippines
1608 Quezon Avenue, Quezon City 1106
Telephone:  (02) 928-9127 / (02) 928-9135
E-mail:  kgc@lkg.com.ph

Mary the Queen College of Science and Technology
Road 44 Commonwealth Avenue, Quezon City
Telephone:  (02) 434-4460

Metro Business College-Quezon City
627 Valencia Bldg. Cubao, Quezon City
Telephone:  (02) 410-9852 / (02) 410-9859

Metro Manila College
University Site, Bgy. Kaligayahan, Novaliches, Quezon City 1123
Telephone:  (02) 939-1162 / (02) 936-3082

Miriam College
Katipunan Road, Loyola Heights, Quezon City 1101
Telephone:  (02) 580-5400 to 29
E-mail:  plicuanan@mc.edu.ph
Website:  www.mc.edu.ph

Mother of Life Center
123 Susano Rd., San Agustin, Novaliches, Quezon City
Telephone:  (02) 939-3433
E-mail:  molifecenter@yahoo.com

National College of Business and Arts-Cubao
994 Aurora Blvd., Cubao, Quezon City 1109
Telephone:  (02) 913-8785
E-mail:  ncbasys@ncba.edu.ph
Website:  www.ncba.edu.ph

National College of Business and Arts-Fairview
Commonwealth Ave., Regalado Fairview Quezon City
Telephone:  (02) 427-0290 / (02) 427-0289

National Polytechnic College of Science and Technology
892 Alfina Bldg, Quirino Highway, Gulod, Novaliches, Quezon City 1117
Telephone:  (02) 418-7080 / (02) 418-7284 / (02) 418-6768
Email:  nplans_2000@hotmail.com

New England College
40 Quezon Avenue, Quezon City
Telephone:  (02) 711-9379 / (02) 711-3406

Nova Computer College
3rd Flr. Gonzalez Building, 1197 EDSA, Muñoz, Quezon City 1105
Telephone:  (02) 374-2104
E-mail: admin@ncc.edu.ph

NOVAGEN College of Quezon City
797 Quirino Highway, Gulod, Novaliches, Quezon City
Telephone:  (02) 938-1449

Our Lady of Lourdes Technological College
105 General Luis St., Novaliches, Quezon City 1123
Telephone:  (02) 419-6019

Our Lady of the Angels Seminary
Seminary Road, Bagbag, Novaliches, Quezon City
Telephone:  (02) 936-4083 /  (02) 936-4086

Our Lord’s Grace Montessori School & Colleges
Commonwealth Avenue, Diliman, Quezon City
Telephone:  (02) 455-3228

Pace Graduate School of Christian Education
22 Third Avenue, Cubao, Quezon City 1109
Telephone:  (02) 722-0943
E-mail:  pgsce1991@gmail.com

Philippine Dominican Center of Institutional Studies
Sto. Domingo Convent, 537 Quezon Avenue, Quezon City
Telephone:  (02) 743-7764 / (02) 743-7760
E-mail:  pdcis@pldtdsl.net

Philippine Maritime Institute-Quezon City
73 Roosevelt Avenue, San Francisco Del Monte, Quezon City1105
Telephone:  (02) 374-4769
E-mail:  pmi@gmail.com

Philippine School of Business Administration-Quezon City
1029 Aurora Boulevard, Quezon City 1109
Telephone:  (02) 913-9659 / (02) 913-9657
E-mail:  jaguar@psba.edu
Website:  www.psbaqc.psba.edu

Republican College
42-18th Avenue, Quezon City
Telephone:  (02) 912-1286

Saint Anthony Mary Claret College
48 Cenacle Drive, Sanville Subdivision, Culiat, Tandang Sora, Quezon City,
1107
Telephone:  (02) 920-1442 / (02) 932-0343
E-mail:  icla@i-manila.com.ph
Website:  icla.claret.org

Saint Bernadette College of Health and Sciences
603 R&J Bldg. Qurino Highway, Novaliches, Quezon City
Telephone:  (02) 930-4358
E-mail:  sbchs_ph@yahoo.com

Saint Pedro Poveda College
EDSA cor. Poveda St., Quezon City
Telephone:  (02) 631-8756 to 58 / 635-2698
Website:  www.poveda.edu.ph

Samson College of Science and Technology- Quezon City
587 EDSA, Cubao, Quezon City 1111
Telephone:  (02) 721-4129 / (02) 414-6429
E-mail:  admin@samson.edu.ph
Website: www.samson.edu.ph

Siena College
Del Monte Avenue, Quezon City 1105
Telephone:  (02) 712-3668 / (02) 414-1155 to 57
E-mail:  admin@siena.edu.ph
Website:  www.siena.edu.ph

Southeast Asian College
#2 E. Rodriguez Sr. Ave., Quezon City 1113
Telephone:  (02) 712-3640 loc 130 / (02) 781-6362
E-mail:  information@saci.edu.ph
Website:  www.udmc- saci.htmlplanet.com

St. Bernadette of Lourdes College
#47 Dahlia Ave. cor Fairlane Ave., West Fairview, Quezon City 1118
Telephone:  (02) 930-7494 / (02) 938-2504
E-mail:  sblc_edu@yahoo .com
Website: www.sblc- edu.com

St. Francis Divine College
Salvia St., St. Dominic No.12 Sub., Novaliches, Quezon City 1124
Telephone:  (02) 939-9304
E-mail:  infosfdc@yahoo.com

St. James College of Quezon City
736 Tandang Sora Avenue cor. Mindanao Avenue, Quezon City 1116
Telephone:  (02) 926-3930 / (02) 926-3931

St. John of Beverly School
749 Quirino Highway, San Bartolome, Novaliches, Quezon City
Telephone:  (02) 936-1603 / (02) 936-1605 / (02) 418-0443

St. John Technological College of the Philippines
#29 Jewel St., Forest Hills Subd., Gulod, Novaliches, Quezon City 1117
Telephone:  (02) 937-9956 / (02) 936-0622
E-mail: st.john @yahoo.com

St. Joseph’s College of Quezon City
295 E. Rodriguez Ave., Quezon City
Telephone:  (02) 723-0221 to 23 loc 140

St. Luke’s College of Medicine-William H. Quasha Memorial
Sta. Ignaciana Street, New Manila, Quezon City 1102
Telephone:  (02) 723-0301 loc 3808 / (02) 727-7610
E-mail:  info@stlukesmedcollege.edu.ph
Website:  www.stlukesmedcollege.edu.ph/default

St. Mary’s College
37 Mother Ignacia Avenue, Paligsahan, Quezon City 1103
Telephone:  (02) 373-6846 to 49 loc 424
E-mail:  info@smcqc.edu.ph
Website: www.smcqc.edu.ph

St. Paul University-Quezon City
Gilmore Avenue Aurora Boulevard, Quezon City
Telephone:  (02) 726-7986 / (02) 726-7987

STI College-Cubao
Upper G/Flr Opulent Bldg., EDSA cor, Gen. Roxas St., Araneta Center,
Cubao, Quezon City 1109
Telephone:  (02) 911-1824 / (02) 911-1703
E-mail:  registrar@cubao.sti.edu.[h
Website:  www.sti.edu

STI College-Fairview
70 Regalado Ave., North Fairview, Quezon City 1121
Telephone:  (02) 417-1330 / (02) 417-1394
E-mail:  sti.fairview@gmail.com
Website:  www.sti.edu

STI College-Munoz EDSA
2/F Tanco-Cu Bldg., EDSA cor Congressional Avenue, Quezon City 1100
Telephone:  (02) 927-3979
E-mail:  munozedsa@sti-edu.net
Website:  www.sti.edu

STI College-Novaliches
G/F Jordan Plains Bldg., Jordan Plains Subd., Quirino Hi-way, Novaliches,
Quezon City 1123
Telephone:  (02) 936-0368
E-mail:  stinovaliches@yahoo.com
Website:  www.sti.edu

System Plus Computer College-Quezon City
1707 E. Rodriguez Sr. Avenue, Cubao, Quezon City
Telephone:  (02) 412-2419 / (02) 448-6960

Tech Pacific College
#91 14th Avenue, Murphy, Cubao, Quezon City
Telephone:  (02) 438-1607

Technological Institute of The Philippines-Quezon City
938 Aurora Boulevard, Cubao, Quezon City 1109
Telephone:  (02) 912-1539 / (02) 911-0964 loc 351
E-mail:  reg.qc@tip.edu.ph, remy.cabreros@tip.edu.ph
Website:  www.tip.edu.ph

Villagers Montessori College
#18 Dalsol St., GSIS Village, Project 8, Quezon City 1106
Telephone:  (02) 926-2431
E-mail:  registrar@vmc.edu.ph

World Citi Colleges-Quezon City
960 Aurora Blvd., Quezon City
Telephone:  (02) 913-8380 loc 421, 422, 423

To send money to your family or any recipient in the Philippines:

1.   Go to any of the following banks, and apply for a Wire Transfer.

Wire Transfer is sometimes called telegraphic transfer, bank to bank money transfer, or SWIFT transfer.

2.  Fill out the wire transfer form.  You will write:

• Name of Recipient
• Name of Recipient Bank: BPI or BPI Family
• Name of Branch and Address of Branch
• BPI or BPI Family Account Number
• BPI SWIFT Code or Address: BOPIPHMM

*Use the same SWIFT Code for BPI Family.

*SWIFT means Society for Worldwide Interbank Financial Telecommunication.
*SWIFT is the same as BIC – Bank Identifier Code.

BANK CHARGES:

• You will pay a Transfer Fee to the Correspondent Bank.
• BPI also charges a Service Fee:

-between 150 to 200 pesos for deposit to a peso account
-$6.50 for deposit to a dollar account

The following are the BPI correspondent banks and their SWIFT Codes.  You need a correspondent bank’s SWIFT Code if you’re far from a correspondent bank and you make a wire transfer in a non-BPI-correspondent bank. In this case, the transfer of funds would be from the non-correspondent bank to the correspondent bank and then to BPI.

SAUDI ARABIA

Banque Saudi Fransi    BSFRSARI
National Commercial Bank   NCBKSAJE
Samba Financial Group   SAMBSARI
Saudi Hollandi Bank   AAALSARI

UNITED ARAB EMIRATES UAE

ABN Amro Bank N.V   ABNAAEAD
Abu Dhabi Islamic Bank   ABDIAEAD
BNP Paribas   BNPAAEAA
Dubai Islamic Bank   DUIBAEAD
HSBC Bank Middle East Dubai   BBMEAEAD
Mashreqbank PSC   BOMLAEAD
National Bank of Ras Al-Khaimah   NRAKAEAK
Standard Chartered Bank   SCBLAEAD

QATAR
Qatar Islamic Bank   QISBQAQA
Standard Chartered Bank   SCBLQAQX
The Commercial Bank of Qatar, (QSC)   CBQAQAQA

KUWAIT
Alahli Bank of Kuwait K.S.C.   ABKKKWKW
Bank of Bahrain and Kuwait   BBKUKWKW
Commercial Bank of Kuwait SAK   COMBKWKW
Gulf Bank Kuwait   GULBKWKW
National Bank of Kuwait   NBOKKWKW

BAHRAIN
Bank of Bahrain and Kuwait   BBKUBHBM
Citibank, N.A.   CITIBHBX
Standard Chartered Bank   SCBLBHBM
The Bank of Tokyo-Mitsubishi UFJ, LTD   BOTKBHBM

OMAN
Bank Muscat S.A.O.G   BMUSOMRX
Standard Chartered Bank   SCBLOMRX

JORDAN
Arab Bank PLC   ARABJOAX
HSBC Bank Middle East Limited   BBMEJOAX

LEBANON
Byblos Bank Lebanon   BYBALBBX
Credit Libanais SAL  CLIBLBBX
Societe Generale de Banque Au Liban   SGLILBBX

ISRAEL
Bank Hapoalim   POALILIT
Bank Leumi Le Israel   LUMIILIT
Israel Discount Bank   IDBLILIT
Mercantile Discount Bank, Tel Aviv   BARDILIT

INTERNET BANKING:

You can enroll your BPI or BPI Family account in Internet Banking so you can track
your remittance online while you’re abroad. Enroll while you’re in the Philippines because you need to activate your online enrollment in a BPI ATM. Your family members can also enroll their accounts online.

Related Articles:

BDO Kabayan Savings, BDO Remit Cash Card for OFWs

OFWs Can Send Money to the Philippines Thru BDO Remit

BDO Remittance — Send Money from Abu Dhabi to the Philippines

For instance, if a check you issued is deposited today, and the funds in your drawee account are not sufficient, the check would be returned to your bank tomorrow before 7:30 a.m. and you would pay for penalties.

This is because banks now are required by the Central Bank to return unfunded checks not later than 7:30 a.m. the day after a check is deposited. So banks need to clear all checks deposited on the day the checks are deposited.

Depending on the policies of different banks, you may or may not have a chance to fund your check on the day your check is deposited. People with special customer relations with their banks may get phone calls if their funds are insufficient or banks may have a service where funds are automatically transferred from a savings account to a checking account if funds on the checking account are insufficient.

All in all, to make your life simpler and uncomplicated, do not issue a check if it is not funded.

As we searched for schools, we came to know about the ranges of tuition fees in some schools.  Some universities publish their tuition fees on their web sites; others don’t.  We hope the following info tidbits on tuition fees are able to give you some ideas about tuition fees in universities that we’ve researched, considered or enrolled in.

All tuition fees mentioned below are for one semester.  (PWU and De La Salle runs three semesters in a year while Mapua runs 4 semesters in a year)

TUITION DATA FROM ACTUAL PAYMENTS:

Technological University of the Philippines, Manila (TUP)
First semester (first year) of BS in Architecture
about 3,500 pesos
Second semester (first year) of BS in Architecture
about 3,500 pesos

Adamson University, Manila (AdU)
First semester (first year) of BS in Accounting 33,000 pesos
miscellaneous fees included
discount of 5% if paid in cash
(one set of school uniform and one set of PE uniform included)

Far Eastern University, Manila (FEU)
Second semester (first year)
BS in Psychology 41,000 pesos
miscellaneous fees included
discount of 5% if paid in cash

TUITION DATA GATHERED THRU SCHOOL VISITS OR PHONE CALLS:

Philippine Christian University, Manila  (PCU)
Second semester (first year) BS in Psychology or BA in English
about 25,000 pesos

Perpetual Help University, Molino  (PERP)
Second semester (first year) BS in Psychology
about 23,000

Philippine Women’s University, Manila  (PWU)
Bachelor of Fine Arts Major in Advertising; Bachelor of Arts in Communication, Psychology, Education, Hotel and Restaurant Management or Tourism; BS in Accountancy, Management, Marketing or Computer Science.

Per semester or per trimester  (PWU runs three semesters in a year):

29,650 plus 6,093 miscellaneous fee, if cash
32,620 plus 6,702 miscellaneous fee, if two installments
34,093 plus 7,000 miscellaneous fee, if monthly installments

TUITION FEE DATA GATHERED FROM SCHOOL WEB SITES:

I gathered fees for only a number of courses;  the schools offer other courses.

Far Eastern University  (FEU)

The ranges of tuition and miscellaneous fees for each semester for the following courses are:    (k = thousand pesos)

BS in Accountancy – 35k, 36k, 40k, 37k, 22k ( Accountancy is a five-year course at FEU.)
BS in Architecture – 40k, 40k, 43k, 36k, 31k
B of Fine Arts Major in Advertising – Arts 37k, 37k, 43k, 35k
AB in Mass Communication – 38k, 37k, 32k
BS in Medical Technology – 38k, 47k, 43k
BS in Nursing –  53k, 66k, 45k, 61k
BS in Hotel and Restaurant Management – 40k, 44k, 31k
BS in Psychology – 41k, 38k,37k,23k
BS in Commerce Major in Marketing Management – 38k

De La Salle University (DLSU)

On the DLSU website, the school fees are detailed, with the total for every trimester starting at 80,000 pesos, depending on the course and laboratory and program fees.

Average Tuition and Other Fees for FRESHMEN
For the 1st Trimester of 2010-2011

Business courses  - 63,000 pesos
Computer Studies  - 61,500
Education  - 61,000
Engineering – 70,000
Liberal Arts – 60,000
Science – 66,000
Economics – 59,200

Average tuition fee per unit for 1st trimester of 2011-2012

Tuition fee per unit: ranges from 2,071 pesos to 2,517 pesos

Adamson University  (AdU)

The tuition and miscellaneous fees per semester for freshmen are:

Accountancy  -  33,060 pesos
Architecture   –  32,670
Business Economics   –  30,780
Computer Science   –  37,607
Computer Technology  -  32,299
Education  -  27,856
Engineering  -  30,370
Hospitality Management  -  38,429
Information Management  -  34,188
Information System  -  31,529
Information Technology  -  34,188
Marketing Management  -  30,780
Mass Communication  -  27,852
Nursing  -  34,200
Pharmacy  -  34,020
Psychology  -  31,166

Mapua Institute of Technology (MIT)

Tuition and miscellaneous fees for freshmen for first quarterm.  Mapua runs quarterms or four academic terms in one year.

Architecture  -  30,507 pesos for cash payment;  31,867  for installment
Electrical Engineering  -  34,385 cash;  3,915  installment
Civil Engineering  -  31,523 cash;  32,968  installment
Mechanical Engineering  -  32,179 cash;  33,624  installment
Nursing  -  25,211 cash;  26,059  installment
Hotel and Restaurant Management  -  22,881 cash;  23,805  installment
Information Technology, Computer Science  -  34,502 cash;  36,151  installment
Multimedia Arts  -  32,097 cash;  33,457  installment

From a certain forum:
Mapua — Multimedia Arts and Sciences
around 36k per sem (One incoming 3rd year BS MAS student says she has spent
about 300k for tuition since her first year; this would be 36K multiplied by 8 sems = 288k)

University of Santo Tomas (UST)

First year tuition fees (per semester) for Arts and Languages courses range from 36,896 to 38,654 pesos. Tuition increases to up to 46,825 pesos for higher years.

First year tuition fees per semester:

Accountancy  -  42,083 pesos
Architecture  -  54,747
Advertising Arts  -  44,869
Business Economics – 35,802
Financial Management – 37,628
Marketing Management  -  37,628
Hotel and Restaurant Management  -  49,228
Electrical Engineering  -  32,475
Computer Science  -  42,655
Information Technology  -  42,655
Nursing  -  53,309
Pharmacy  -  45,269
Psychology  -  44,169

Polytechnic University of the Philippines  (PUP)

- Tuition fee per unit — 12 pesos (Totoo?)
- A semestral load of 28 units will cost 336 pesos.
- Miscellaneous fees include registration (8 pesos), library (17),
athletics (27), engineering freshman (61), sports development (50),
computer (60), guidance (50), ID 975), handbook (45), engineering lab (28),
other lab (31), cultural (11), medical/dental (11). Fees are subject to change.
- Entrance examination fee is 500 pesos.

Technological University of the Philippines  (TUP)

- Tuition fee per unit is 50 pesos.
- Miscellaneous fees include developmental (400), NSTP/ROTC (225), registration (75), cultural (45), athletics (75), library (150), medical/dental (150), shop (240), lab (240),
computer (300), student privilege (30), insurance (25), ID (90), shop use per hour (50),
lab use per hour (50)
- Entrance examination fee is 375 pesos.

Trinity University of Asia
Cathedral Heights, QC
Fees per semester as of second semester 2010-2011:

Accountancy  -  29k, 26k, 31k, 28k
HRM  -  30k, 35k, 24k, 9k (9 units)
Computer Science  -  29k, 35k, 23k, 15k (9 units)
Psychology  -  28k, 29k, 27k, 7k (3 units)
Mass Communications  -  26k, 24k, 25k, 8k (3 units)
Medical Technology  -  29k, 38k, 45k, 49ka

Nursing  -  33k, 61k, 58k, 63k   (St. Luke’s College of Nursing, part of Trinity)

Colegio de San Juan de Letran
Intramuros
Fees per semester as of school year 2010-2011
Additional charges for installments and late payments

Accountancy  -  39k, 40k, 45k, 51k
Psychology  -  36k, 43k, 38k, 31k
Information Technology, Specialization in Digital Arts  -  43k, 56k, 44k, 35k
Hospitality Management Specialization in Hotel Restaurant Management,
Tourism, Cruise Line Management  -  55k, 59k, 65k, 37k
Communication Arts  -  36k, 50k, 48k, 42k

Philippine Christian University  (PCU)

Down Payments for the 2010-2011 school year:
10,000 for Nursing, Hotel and Restaurant Management, Nutrition and Dietetics and related courses
8,500 (old students) and 6,500 (new students) for Business and related courses
7,000 for law and masteral and doctoral programs

Jose Rizal University (JRU)
School year 2010 to 2011 (from a JRU online report)

AB, BCS, BSIT, BSCPE, BSED, BEED — 1,624 per unit or 12,735 per 30 units
BSHRM, BS Tourism, BSA — 1,632 per unit or 12,816 per 30 units
BSN — 1,648 per unit or 12,933 per 30 units
Miscellaneous fees include development fee (1,330), HRM lab fee (920 per
unit), HRM 37 co-curricular activity (3,910), Management 32 co-curricular activity
(5,060) and more

Ateneo de Manila University  (ADMU)

For School year 2010 to 2011
Annual fees:
Tuition fee — 103,897
Basic fees — 20,171
Other fees — 20,635

- Additional fees for overload and for laboratory use
- Payment in two or four installments, with interest of less than 3 percent
- About 48 undergraduate programs including BS IT, BS MIS, BS Physics, BS Computer Engineering, BS Computer Science, BS Environmental Science,AB Chinese Studies, BS Management, AB Economics, pre-med courses such as BS Life Sciences, BS Psychology and BS Biology and pre-law courses such as AB Political Science, AB Philosophy and AB Management.

University of the Philippines  (UP)

UP uses a socialized tuition system, meaning the student pays based on his or her ability to pay. A student applying for the lower tuition brackets need to show notarized financial documents that include tax returns, real estate tax declarations, statements of assets and liabilities, water bills and electric bills.

Tuition fee per unit (UP Diliman, UP Los Banos and UP Manila):

- 1,500 pesos per unit for Bracket A (annual family income of more than 1 million pesos)
- 1,000 pesos for Bracket B (income of 500,001 to 1 million)
- 600 pesos for Bracket C (income of 250,001 to 500,000)
- 300 pesos for Bracket D (income of 135,001 to 250,000)
- Free tuition for Brackets E1 and E2 (income of 135,000 or less)
- student allowance of 12,000 pesos per year, Bracket E2 (income of 80,000 or less)

Miscellaneous fees = 2,000 pesos
* UP evaluates students’ financial capabilities every year and changes their brackets to match their finances

St.  Scholastica’s College

For school year 2011 – 2012
Tuition fee per unit = 1,642 pesos

15 units: 24,630 tuition plus 7,537 miscellaneous fees = 31,675
minimum down = 9,542

20 units: 32,840 plus 7,537 = 39,721
minimum down = 11,595

25 units = 41,050 plus 7,537 = 47,766
minimum down = 13,647

30 units = 49,250 plus 7,537 = 55,812
minimum down = 15,670

Notes:
- Laboratory fees not yet included
- 2% discount for full payments

TUITION DATA GATHERED FROM FORUMS as of January 2011:

Rizal Technological University (RTU)
- a state university along Boni, Mandaluyong
- has branches in Pasig, Antipolo, Baras, Cavite and Occidental Mindoro
- 200 pesos per unit (2010-2011 school year)

San Beda College (SBC)- Manila and Alabang

Freshmen tuition fees for Information Technology and other courses
range from 54,000 to 60,000 pesos per sem.
Some courses start at 40,000 pesos per sem.

AMA

Information Technology and Computer Engineering courses cost between 19,000 pesos to 20,000 pesos, already discounted from the 20k to 23k original tuition fees.

University of the East  (UE)

From the UE forum, as of March 2011:

1200+ per unit for non-computer courses
1400+ per unit for computer-related courses
Might increase this June 2011 by 5 percent, accdg. to a forum member

BSBA Marketing — 38K (tuition fee plus miscellaneous fee)
BS in Accounting UE Caloocan — 35K (3rd year)
Civil Engineering — 29K to 30K

Asia Pacific College (APC)
Multimedia Arts — around 40K
(students from public high schools get a discount of 50%, but must maintain a certain grade level and do some student assisting work)

Lyceum of the Philippines University (LPU)
Bachelor of Arts in Multimedia Arts (AB MMA) — 38 to 40K

According to Jovi (Jan 23, 2012):

LPU tuition ranges from 35k to 40k plus.

HRM and culinary students get part of their training at the Lyceum-operated hotel The Bayleaf of Intramuros.
International Tourism and Hospitality Management students need to prepare additional funds for tours.

Tuition Fee Tips from Readers (Thanks a lot!)

Technological Institute of the Philippines   (TIP)
363 P. Casal Street, Quiapo Manila
1338 Arlegui Street, Quiapo Manila
Tels. 733-9117 / 736-2580 / 736-4208

According to Jmz:

25,887.30 cash
27,522.45 installment

According to Yong (Jan 21, 2012):

Architecture: 27k per sem

FEATI UNIVERSITY

According to Jazz (Jan 2012):

Marine Engineering / Transportation
Per Unit: P1,100 x 28 units
Miscellaneous: P7,400
Laboratory Fee: P3,888
Total: P42,088

If you’d like to share about other schools’ tuition fees in the COMMENTS section below, then I’d appreciate very much your effort.

Related Articles:

Best Savings Accounts for Students in the Philippines

Private Colleges in Manila, Metro Manila, Philippines
State Universities, Colleges in Metro Manila, Philippines, Nearby Areas
Private Universities in Metro Manila, Philippines, Nearby Areas
Tuition Fees at Adamson University
Dorms in the University Belt – FEU, UE, PSBA, San Beda, UST, UM – Manila

According to Ms. R. C. of the eServices unit, the BDO Kabayan ATM Debit Card and any other BDO ATM debit card can be used to withdraw money abroad as long as:

1. it is active
2. and it has sufficient balance.

For holders of BDO ATM debit cards with the MasterCard logo, withdraw at the ATM of any foreign bank in other countries with the Cirrus Maestro/PLUS logos.

If your card is a BDO ATM debit VISA card, withdraw at ATMs abroad with the VISA/VISA Plus logos.

These are the transaction fees:

• Balance Inquiry -  US$ 1.00
• Withdrawal -  US$ 3.50

For unsuccessful ATM transactions such as wrong PIN,
insufficient funds, exceeds limit, etc., you will be charged US$ 1.00.

Related Article:

BDO Kabayan Savings and BDO Remit Cash Cards for OFWs

OFW Parents: Take Advantage of Free Internet Banking to Manage Your Childrens Weekly Allowance

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 cannot pay the total amount due each month
• you can only pay the minimum due
• and you may have to be late some of the time,

then do not get credit cards that have high late-penalty fees and that are strict on payment dates.

NOT RECOMMENDED:

HSBC — charges 600 pesos for every month that you are late even by just an hour or a day.

If you call them and explain your situation, your 600 may be reversed only once in every 6 months, and that depends on your reasoning and the mood of the bank representative at the time you are calling.

Next month, I’ll be receiving some money  (Thank you, Lord!),  and this HSBC card will be the first I will pay off fully and say goodbye to forever.  Good riddance!  Wow, how nice it would be to cut my HSBC card!

I was late in paying after the Ondoy floods, but the HSBC never heard my explanation.  No soul!  Only business for them.

STANDARD CHARTERED — also charges 600 pesos for every late payment… even by just an hour.  Remember, the date changes at midnight?  Or maybe the cutoff hour is every 6 am?  So, after midnight or after 6 am, and your payment is not there, the 600 pesos is charged, presto!

How do I know?  I have both of them.

HIGHLY RECOMMENDED

Fortunately, there are credit cards in the Philippines that have retained some bits of kindness,
and I’m glad that the local banks  (although they have foreign shareholders) are the leaders.

Aside from forgiving late payments, they also charge lower fees.

BPI EXPRESS CREDIT has been very kind to me in terms of late payments. As long as my payment-due doesn’t remain unpaid until the next statement date, I don’t get charge a late-penalty fee.

Kahit ma-late ako ng 5 days or 10 days! But, of course, I don’t abuse it. I oftentimes pay very early too. An I’ve been using this BPI credit card since March 2000.

And when a late-penalty is deserved — because the next statement date has passed and my due remained unpaid — eto yong times na may mga unexpected major expenses –
the penalty fee was only 6% of the total amount due.

One time I was late in paying 1,715.40 by 13 days (almost 2 weeks!).
And you know what?  My late payment was only 102.93!  Compare that to HSBC and Standard Chartered which charge cardholders 600 pesos for being late for only an hour or a day!

EASTWEST is also kind.  It forgives a few days of delinquency.  And the charge is only 200 pesos — when the next statement date has already passed.

BDO SHOP MORE charges 300 pesos or 5% of amount due, whichever is higher.

METROBANK charges 600 pesos or 7.5% of amount due, whichever is higher. This is one local bank that charges high, although this bank offers an annual-fee-free card and a low-interest Cash2Go loan.

Update as of March 2011:  Metrobank M Free Mastercard now charges 700 pesos for late payments.

BPI EXPRESS CREDIT charges 6% of the amount due for the month — no fixed fee, no whichever.

This rule considers the poorer ones like me — 6 percent of 1,000 is only 60 pesos, but when a rich credit card holder is late, the 6-percent fee for 100,000 is 6,000 pesos.  But, oh well, I’m not a gold cardholder; the late-penalty rules for gold credit cards could be different.

When charged a late penalty fee, call the bank.  Give a valid reason.  Oftentimes, they forgive, as long as you are not late often.

Related Articles:

Free from Credit Cards, At Last!

BPI, BDO, or Metrobank Fees — Why Keep Paying Them?

If you’re a parent whose high-school or college-age kid is living in a dorm or studying in another city or an OFW who likes to control your child’s weekly allowance, take advantage of free Internet banking services offered by local banks.

Most large banks now in the Philippines offer free Internet banking, and they offer lots of services that prompts you to say Wow.

However, in this article, I would describe only two, BPI Express Online and My BDO Internet Banking, because they’re the ones I use.

1. If you already have accounts with BPI and/or BDO, then you’ve
done the first step. Your savings account or checking account
would become the wallet from which you would get money to give
to your child weekly.

2. Next is to get an ATM card for your child, or ATM cards if you have more than one child to support.

If you get a regular ATM card, you are required to maintain a balance  –  2,000 for a BDO account;  1,000 for a BPI Family account or 3,000 for a BPI account.

For most children, this maintaining balance is a temptation — a cake on the table ready to be consumed.

So the best option is to get a BPI Express Cash Card or a BDO Cash Card.  Both of these ATM cards do not require a maintaining balance.

You can get a BDO Cash Card for only 120 pesos or a BPI Express Card for only 120 pesos also.  (Update for BPI Express Card:  There’s now a 15-pesos fee for ATM withdrawal and a withdrawal amount minimum of 500 pesos.)

If you like to know other cash cards,  go to this post:  Best Savings Accounts for Students in the Philippines.

For OFWs, a better account is available — BDO Kabayan Savings.  It only has a 100-peso maintaining balance, and it has other benefits too.  Info on BDO Kabayan savings account.

OFWs can also get a BDO Remit Cash Card.

Other banks also offer accounts for OFW remittances.

3. Then enroll your BPI savings or checking account with BPI Express Online or your BDO account with MyBDO Internet Banking.    You enroll online and then print the filled-out form for submission to your BDO or BPI bank branch.

Just prepare your user name and password and be ready with your account number and your BDO or BPI cash card numbers.

4. After your Internet banking account is activated, you can plan and schedule when and how much money to put into your child’s cash card.

If your child needs 200 a day, you can reload your child’s cash card 1,200 or 1,500 every week. Just adjust the amounts when your child needs to pay the dorm or buy something.

Just tell your children that the minimum withdrawal for BPI Express Cash is 500 pesos and for BDO Cash Card, it is 200, (changed to 100 pesos as of March 2011).  Tell them to withdraw,  if possible, only from these banks’ ATMs to avoid other banks’ ATM fees  (about 10 to 12 pesos for each withdrawal).

5. For OFWs, Internet banking can save you remittance costs and at the same time prevent your children from having access to large amounts of money, which can be tempting.  One-day millionaires among OFW children are common.

You don’t have to send money every month or every week, so you’ll save on remittance fees.  Just remit an adequate amount to your own savings account and then transfer controlled amounts to your kids’ accounts through your Internet banking account as often as you like, as there’s no transfer fee.

Related Articles:

OFWs Can Send Money to the Philippines Thru BDO Remit
List of Banks in the Philippines — Universal Banks, Commercial Banks
Cheapest Checking Account in the Philippines
BDO Kabayan Savings, BDO Remit Cash Card for OFWs
BPI, BDO, or Metrobank Fees — Why Keep Paying Them?
Savings Accounts in the Philippines with the Lowest Maintaining Balances