Shop ‘til you Drop? The Pros and Cons of Having a Credit Card

Confessions of a Shopaholic

You know how fabulous it is to walk across the shopping mall with all those shopping bags you carry along. Your face draws a gleeful smile as you pass by people who stare at you with envious eyes. And it’s just all the more fabulous to see if you were able to get all those bags in just one swipe.

That’s the power of credit cards. Just one swipe and get what you want – for a price, of course!

If you’re thinking about whether to get a credit card or not, here is a list of the pros and cons of owning one.

The Pros

Card in Shining Armor – Need money for a sudden medical surgery? Credit cards can give it to you in a snap of time without the hassle of piling loan documents. You also have the flexibility of paying it over time.

“I lost my cash! What to do?!” – Let’s say you were walking along a dark street and someone tried to rob you on gunpoint; chances are you will lose all your cash to that criminal. But for credit card, who will risk his freedom to rob someone just for the sake of getting a card which can be cancelled anytime?

Save your Life – Of course, your credit card statement will give you an itemized list of your expenses. This will enable you to evaluate your monthly expenditures without the worry of losing any tangible bills.

“Oh, excuse me. I have my card with me” – You can use credit cards practically anywhere, even overseas! So, if you see a really splendid bag in Paris, and you are dying to buy it but lack resources, credit card is your savior.

Like A Boss – Did you know that can choose to consolidate your bills in one credit card and pay them all in a single swipe? So awesome.

“Here’s some gifts for you!” – Some credit cards offer great rewards such as free travel for their customers. When you make purchases using the credit card you can collect points; these points accumulate and can be used to get free items. That’s a nice motivation for you to shop a lot and pay your dues on time.

The Cons

Its Name – After all, it’s called a credit card, so it’s basically debt, which no man wants to be accountable for.

Too Much Credit Will Kill You – Yes, it will. Do not misuse, abuse, or otherwise “over-swipe” your credit card. Or else what? Oh, what’s that famous line from Fight Club? “The things you own end up owning you.”

Fight Club

It’s Not about the Money, Money, Money – It’s about the illusion of having unlimited cash and the boatloads of late free charges that will drain your bank account so fast, it’ll make your head spin.

So, to have a credit card or not? It totally depends on your ability to manage your finances and control your Rebecca Bloomwood alter-ego. You can watch “Confessions of Shopaholic” or all the better, read the entire book series by Sophie Kinsella so you’ll get what I mean.

Rags to Riches: 10 Billionaires Who Started With Empty Pockets

The Wolf of Wall Street

Not everyone is born with a silver spoon. In fact, a significant portion of the world’s billionaires come from poor families, slums or orphaned at a young age. And here are ten of them:

Maria Das Gracas Silva Foster

Head of Brazilian oil giant Petrobas. Maria grew up in Morro do Adeus, an extremely poor shantytown. While her mother worked constantly, her father was an alcoholic. She collected cans and paper to make extra money.

In 1978, she became an intern at Petrobas then eventually became the company’s first female head of field engineering. Bloomberg says that her tireless work ethic has earned her the nickname Caveirao, for the armored police cars used to clean up the crime ridden Brazilian neighborhoods.

And oh, she’s also one of Forbes most powerful women of 2014.

Do Won Chang

Do Won Chang and his wife moved to America from Korea in 1981. He worked three jobs at the same time: janitor, gas station attendant and a cashier at coffee shop. Three years later, Mr. and Mrs. Chang used their earnings to open their first fashion store called – guess what – Forever 21.

Today, Forever 21 is a global brand with 480 stores and generates $3B in sales a year.

Harold Simmons

Harold Simmons grew up in a rural town in Texas where he lived in a shack with no electricity. Despite this, he graduated in the University of Texas with a B.A. and Masters in Economics. His first business venture was a chain of drugstores which he later on sold for $50M. After that, he made a series of buyouts. He currently owns 6 publicly listed companies including the largest titanium producer in the world

Zdenek Bakala

When he was 19 years old, he fled to US from Czechoslovakia with only a $50 bill wrapped in a sandwich plastic wrap. He washed dishes at a local casino until we was able to afford studying in UC Berkley, which later lead to an MBA at Dartmouth.

Zdenek went into banking then returned to his country where he opened Credit Suisse First Boston. He owns a coal company with a $2.52 billion market cap and eight production sites across Central Europe.

Guy Laliberté

Cirque du Soleil will not be born if not for Guy Laliberte. This Canadian-born talent started his circus career in the streets: playing accordion, walking on stilts and eating fire. In 1987, he brought a troupe from Quebec to the Los Angeles Arts Festival with no return ticket. This paid off and it eventually moved to Las Vegas where they became the world famous Cirque du Soleil we know today.

Guy Laliberte is worth $2.5B and is a professional poker player and space tourist.

John Paul DeJoria

John’s German and Italian parents divorced when he was just two years old. At ten, he had to sell Christmas cards and newspapers to support his family. He went to live in a foster home in LA where he became a gang member before joining the military. He later on tried working at Redken Laboratories, took a $700 loan and created John Paul Mitchell Systems. He lived in his car during this time. Today, his company is worth over $900M annually.

Howard Schultz

Howard grew up in Brooklyn and always want to climb “over the fence”. Because he wanted a better lifestyle than what his truck-driver father could give him, he word hard on getting a football scholarship at the University of Northern Michigan.

During his work at Xerox, he discovered a small coffee shop called Starbucks. Falling in love with the coffee, he left the Xerox and – after even more years of hard work – went on to become Starbucks’ CEO. Today, Starbucks has 16,000 outlets worldwide.

Li Ka-shing

Li Ka-shing’s family moved to Hong Kong from China in 1940. At age 15, his father died of tuberculosis. He quit school and supported his family by making and selling plastic flowers for US export.

Ten years later, he started Cheung Kong Industries which expanded his flower business but later on expanded to real estate. Today, he owns companies in banking, cellular phones, satellite television, cement production, retail outlets, hotels, airports, electric power, and steel manufacturing.

Leonardo Del Vecchio

An orphaned boy, Del Vecchio went to work in a factory making molds for auto parts and eyeglass frames where he lost part of his fingers. He opened his first molding shop at age 23, which slowly expanded to be the world’s largest maker of sunglasses and prescription eyewear. His company, Luxottica, makes brands like Ray-Ban and Oakley. His net worth is at $11.5 Billion.

Kirk Kerkorian

Being a casualty of the Great Depression, Kirk had to drop out of 8th grade to become a boxer. He became a daredevil pilot for Royal Air Force during WWII by delivering supplies over the Atlantic where one out of four planes crashed.

From the money he earned, he became a high roller on the tables and eventually a real estate magnate in Las Vegas. Among the establishments he owns are The Flamingo, The International and MGM Grand – stalwarts of the Vegas scene.

Basic Business 101: Pros and Cons of Buying a Franchise

Pros and Cons

Many Filipinos dream of owning their own businesses. Why not right? You handle your own time, profits can exceed your annual salary, and you can finally take that vacation without asking permission from anyone.

This is where you have a choice of starting your own business from scratch or franchising.

Investopedia defines franchise as a type of license that a party (franchisee) acquires to allow them to have access to a business’s (the franchisor) proprietary knowledge, processes and trademarks in order to sell a product or provide a service under the business’s name.

In layman’s terms? In exchange for gaining the franchise, the franchisee usually pays the franchisor initial start-up and annual licensing fees. Are we all on the same page? Great! Let’s discuss the pros and cons.


Brand recognition is probably one of the most important features of franchising.  If you have a franchise of a popular brand, you can almost be sure that there is already a market ready to accept you. However, the most popular brands are also the most expensive franchise.

Correct operating system – one of the hardest part of running a business is developing the correct operating system. How should you run collectibles? Should you extend credit to customers? How much flour should you order? Which equipment should you purchase? With a franchise, the franchisor will teach you the correct way of running the business so that you don’t need to experiment on the methodologies and procedures.

Higher opportunity of holding two jobs at the same time – Since a franchise already has a system running, it is more possible to continue being employed and run another business.

Marketing and advertising supportOwners of small businesses have no economies of scales. Being part of a franchise chain means that if the franchisor decides to put up a billboard or run a promo, your store, which already has the brand recognition, also benefits from the campaign.

Higher success rate – Studies worldwide show franchises are more successful than start-ups. But be careful though, because your overall success largely depends on your type of franchise and how you nurture it.


High start-up costs – Most franchises require twice the amount of investment you need for starting your own business.

More expensive supplies – Most franchisors require their franchisees to purchase through their accredited suppliers for quality control. This can be costly as you cannot canvass for cheaper suppliers.

Royalty fees and other charges If you start your own business, all profits go to you. However some franchises require you to pay royalty fees on top of the initial start-up cost.

Less freedom in operations – If you have a brilliant idea to counter a competitor, you would need approval from the franchisor. In fact, any drastic changes you want will need approval. This may be frustrating for some.

Franchisor’s problems become your problem too – Just as you benefit from the good brand name, if the brand becomes tainted, so will your franchise.

Before everything else, make sure you are ready to handle a business. Franchising is not like buying a property and expecting income to flow in. You still need to spend time, blood and money to keep it running and going.

Franchising is not a passive investment – it is a business that must be run on a daily basis. Ultimately, the choice is yours as it depends on your capital, free time, and appetite for risk.

E-Mail Marketing: How to Build a Solid Foundation

E-Mail Marketing

E-Mail marketing can be described as one of the simplest cost-effective ways of promoting. However, e-mail marketing is more than just sending e-mails to attract and acquire buyers. To get a better grasp of the process and how it can benefit your company, consider the following tips and principles.

Establish a Goal

This is probably the most significant step towards building a strong foundation in e-mail marketing. By setting a goal in your marketing strategy, you would then be able to gain focus on your target, which would then guide you in structuring the rest of your campaign.

Identify Customers

Many promotional e-mails are considered and treated as spam. This happens often because the potential customers are not properly identified and targeted. If the selected recipients are known to be interested in what you are offering, it is likely that your publicity will not only be noticed, but also appreciated. Study your target market and use their demands to catch their attention and, ultimately, turn them into loyal customers.

Offer Relevant Products and Services

After setting your goals and identifying your target market, ensure that the information gathered would be used accordingly. You’d surely offer the right product in the perfect manner if you know your objectives and the interests of your potential customers. When you serve them with the relevant product or service, your marketing effort would eventually reap rewards.

Create Interesting E-mail Content

Send them an e-mail with an eye-catching subject, message and other attachments. Most often than not, offerings from different companies differ little. But a good amount of exposure and publicity materials could make the big difference. Attach images such as posters for better visualization and entice them with your words and offerings.

Offer Promos and Discounts

Building a solid foundation through e-mail marketing involves offering promos, discounts and special privileges would also help big time. People are always attracted to the idea of incentives. Applying this strategy would both spark interest and boost brand awareness, increasing the chance for referrals and word-of-mouth marketing.

Build Trust

While sending promotional e-mails, make sure that you are able to meet demands and maintain interest. Aside from strategically scattering mails, you should also engage your market through genuine conversation.

To keep in touch with your customers is to build trust and loyalty. Make them feel your warmth and sincerity. This is so that the customers would not feel like you are only communicating with them to sell your products and services. Establish good vibes by sending them greetings during special occasions and holidays as well.

Building a successful business involves the application of a variety of marketing strategies, and the popularity of e-mail marketing continues to become more valuable as technology continues to rise. Don’t get left behind. Utilize e-mail marketing for your business now!

How to Survive your First Job Interview

Job Interview

Job interviews don’t have to be as difficult as most people expect them to be. Regardless of how intimidating or terrifying your interviewer could be, what is important is your confidence in your own skills, knowledge in your field, how you present yourself, willingness to learn, and how memorable you are during an interview. It helps a lot if you are passionate in the field you applied for, because employers can see the difference between someone actually wanting to be a part of a team and someone who just wants a paycheck.

Still, it can be a little nerve-wrecking if you’re exactly not sure what to expect and how you’re supposed to act. Read on to prepare yourself for first job interview.

Do your Research

The second you get a call or an e-mail for an interview, do your research. Discover the culture of the company and what kind of skills the position requires, and then gauge whether you’ll be a good fit. This can also help you think in advance how you’ll be able to contribute to the company. In addition to this, try to also figure out how casual or formal your attire for the interview should be by seeing what the other employees wear.

Are you Koalified?

But seriously. Are you?

Be Early

Being early has a lot of advantages, aside from proving to the employers that you have initiative. It will give you enough time to calm your nerves before you face the interviewer. Staying unruffled is essential for you to be able to answer questions efficiently, which communicates confidence!  If it’s a mass interview, being early is also a convenient way to avoid having to wait too long for your turn.

Be Humble

Yes, you should impress your interviewer, but don’t be a show-off. Show that even though you’re confident in your skills, you’re still willing to learn and adapt. Most companies would rather hire someone with mediocre skills but is a team-player and can learn easily rather than a know-it-all who is difficult to work with.

Be Likeable

Smile often! Listen when the interviewer speaks. Don’t be contradicting, and always be respectful. It’s really that simple.

Be Honest

But be smart when you’re being honest. If asked whether you have any weaknesses, tell them upfront, and then follow-up with how you plan to fix this. For example, if your weakness is being late, inform them that you’re currently trying to remedy your sleeping habits and setting your alarm much earlier. And be sure to actually do it! You can also counter the negative with a (real) positive trait of yours. For example, if you think you’re a bit antisocial, inform them that it’s because you tend to focus too much on your work. Never lie though!

Volunteer Information

Even if you’re not asked, smoothly include a few of your positive traits into the conversation. Tell them about a particularly difficult project you worked on (even if it was for school), what you learned from it, and how you were able to pull through. Or maybe tell them about a life experience that helped you mature in certain ways. Learning experiences, even negative ones, can help them gauge how efficient you can be in the workplace. As previously stated, being memorable is important, so don’t be afraid to be a little quirky or different. This is what separates you from the many faces they’ll be interviewing and could ultimately get you the job.

Don’t be Afraid to Ask

At a certain point during the interview, usually by the end, the interviewer will ask you if you have any questions. Don’t ask about your salary first because it creates the notion that you’re only interested in the job for the money. A few of the important questions include what sort of responsibilities you’ll be in charge of, their expectations of you, what happened to the person who was previously in the position, and what is the prospect for advancement.

Additional tips: Never lie on your resume or to your interviewer’s face, and always look clean and professional no matter what you’re wearing. At the end of the day, it’s not always the best candidate who gets chosen, so don’t take it too personally. It’s a good idea to ask your interviewer off the bat when you should be expecting to hear from them, so somehow you’re aware if you’re out of the running and can move on.

5 Reasons Why your Business should have a Solid Ethics Code

Ethics Code

You as the boss are the supreme commander and leader of your business. But that doesn’t necessarily equate into immunity when it comes to work ethics. To be successful in creating a solid ethics standard in your workplace, you have to take responsibility in setting the direction of ethics that your managers and employees will abide by.

A solid ethics code should tackle the following work factors:

  • Customer Treatment
  • Rules for relationships within the company
  • Discrimination of whatever kind
  • Resolution of internal conflicts
  • Standard of quality

These is only the tip of the iceberg if you’re serious about building and maintaining a solid ethics code in your company. Letting your employees and managers know how customers should be treated is number one in the list of priorities for any business. Without clients, there probably wouldn’t even be a business.

When it comes to rules regarding discrimination, there is pretty much only one: don’t do it. There should be no tolerance for this act no matter the situation. One employee should not find less favor in the eyes of anyone in management, including yourself, just because of the color of his skin tone, nationality or even disability.

Office romance is sometimes frowned upon, especially by the bosses. There are many reasons behind this, but not all companies have a policy against it. It all depends on whether a company allows it or not. Now you, as a business owner, should also have a stand on this. Always think of what’s best for both business and staff.

Having internal conflicts between managers, employees and even board members are not unheard of. In fact, most businessmen are already used to this sort of thing. However, if not handled with proper ethics in mind, it could affect the business negatively. This is why it is important to have a solid ethics code that tackles how situations such as this should be taken care of.

The quality of work delivered by the people operating the business should also be guided accordingly by the ethics code. This will help motivate the members of the company to strive harder to deliver outputs that won’t put the code to shame.

If any of the ethics code are to be violated, there should also be set sanctions that will be acted upon. Without punishments, it will be too easy to not stick to what the code says and ultimately, efforts to keep it in place will be futile.

Now we come to the big question of WHY your business should have a solid ethics code. To answer that as frankly as possible, here are the benefits of having a good ethics code that is written down and incorporated to every single member of the company:


1) It creates and supports a working atmosphere that is respectable and comfortable at the same time. Employees and managers will be confident that their colleagues will deliver outstanding productivity because it is expected of them.

2) It boosts the level of communication both internally and externally for the company. Being backed by a solid ethics code empowers employees to speak out without fear of being singled out by the higher ops. A workplace atmosphere that isn’t polluted by fear is definitely a good place to be in.

3) A positive company reputation will spread to the clients, customers and competitors within the industry and probably even farther out.

4) Legal Considerations will be easier to weigh in with a solid ethics code within the company. Anyone who has run a business of whatever kind will know how dirty things can get, especially if a certain sum of money is involved. A solid ethics code will help keep the business on a straight path, away from the dangers of illegal transactions that could, in the end, destroy the entire company and the people in it.

5) Decisions, decisions and more decisions. This is the burden of being a business operator. It can be quite a daunting task, more so if there is no ethics code to lean on when the time of indecisiveness arrives. Whether it be a mere part of daily decisions to make or a strategic one that could change the face of the company, a solid ethics code will help everyone do the right thing to achieve the best decision.

Office Romance: Yeay or Nay?

Office Romance

Professionalism is the one quality trait either required or expected from everyone working in a company. Yes, you can make friends with your boss and co-workers, but the professionalism should stay the same: you clock in, finish all the work required, and then clock out.

But since most employees spend 40 hours a week at work, they end up interacting more with their co-workers than friends and family. The line between professionalism and personal emotions is blurred. It is likely that, with the constant communication and time spent at work, a relationship more than friendship develops. That’s right, what you have is a red-hot office romance.

In a work culture, especially that borne from a very conservative view, an office romance is considered a no-no. Boundaries have to be set: the office is for work, and creating friendships is merely a bonus. But today, we’ll take a closer look at the pros and cons of an office romance, and let you decide for yourself if it is okay or not.

Workplace Couple

Why is it good?

One pro of an office romance is the elimination of the “getting-to-know-you” stage of a relationship. Normally, dates and other activities together would constitute as a time set apart to become familiar with one another. But, since both of you interact with one another in the office everyday, you can tell if the other person is a good (or bad) match for you.

Another good side to an office romance is that you don’t need to look far for a potential mate. There are many potential prospects to be found in your workplace. All you need to do is see and evaluate if any of your officemates match your standards.

A word of precaution, though: HR practitioners follow a standard rule that allows a romantic relationship, but only if the parties involved are from separate departments. The reason for this is because two people involved in a romantic relationship within the same department might cause problems with personal and professional aspects.

Office Gossip

Why is it bad?

Romantic relationships can become distractions, preventing either one or both parties to suffer from decreased productivity, due to their supposed working hours being allotted to keep their relationship together.

Professionalism is also ruined, especially if either one or both parties cannot keep their emotions from getting the best of them in office-related exchanges.

There are taboos to be avoided within office relationships as well. If you’re flirting with the idea of getting involved with someone married, don’t. You will risk ruining the family life and your reputation, especially if word gets out.

Another con of an office romance is the possibility of gossip spreading around the workplace. If both of you are ready to stand up for your relationship amidst the flak and criticism, go ahead and pursue that relationship. If not, do not continue. You will only cause more damage to yourselves.

The Verdict

Based on these facts presented, do you think an office romance is good or bad? Do you agree with the statements or would like to respectfully share a piece of your mind? Feel free to do so at the comments section below.

Ka-Ching! 14 Ways to Better Save Money this Year

Leonardo DiCaprio

If there’s one word most people welcome the New Year with, it’s “Broke”. Yep, holiday season is one of the most expensive, spending-spree times of the year with all the parties, decorations, and gifts for people. Giving fuels us with joy indeed, but with it comes credit card bills, and some of us might spend the first few months of the year paying all kinds of debts, only to repeat the same process by year’s end.

It’s time to make a change this 2014. Not a resolution, but the start of a good habit that will positively affect your spending activities, bank account, and wallet, hopefully for the rest of your life. Since fourteen years have passed since the start of the latest millennium, here are 14 ways to better manage your cash.

Saving Money

1) Count to 10

When you look at an item while window-shopping, calmly count until 10 before making a shopping decision. This is for you to avoid becoming a victim of Impulse Buying. Counting to 10 calms your nerves, refocuses your mind, and allows you to…

2) Ask yourself, “Do I really need this?”

Once you’ve calmed down, throw this question to yourself (silently, of course), which should allow you to logically assess the situation. This technique will prevent you from making a purchase that might not even be necessary to begin with, especially if it’s well above your means.

3) Just say, “No”…

Now that you’ve assessed the potential purchase, it’s time to recognize the possibility of saying, “NO”. How does this help exactly? This type of discipline prepares your more important purchases in the future. Also, it’s nice to have extra cash in your wallet or bank account just in case.

4) …Even to gimmicks

Saying “no” also applies to going out with family and friends. You can’t go out to every gimmick, because that’s a sure way of spending more than you should. As the saying goes, “Pick your battles”. If your friends ask, tell the truth coolly. If they get offended, well, that’s not your problem anymore now, is it?

5) Pick those you’ll give gifts to

You can’t give gifts to every Dick and Jane you meet in your life. Pick those who matter like your immediate family, close family relatives, and close friends. Keep it simple.

6) Stay home

A night in watching HBO movies with popcorn is a lot cheaper than going to the cinemas.

7) Commute or walk

Not only will you save up on gas money and car maintenance, but you’ll get healthier, too!

8) Catch up with friends over the phone or online

To save a few extra bucks on travel, catch up with a friend on Facebook or call them on the phone instead. Quality time minus the usual expenses.

9) Avoid too much décor

We get that you want your house to look nice during Christmas, but does it really have to look Santa’s vacation home? Be content with some Christmas lights spread across your gate accompanied by about two Christmas lanterns. And inside? A Christmas tree with décor and a bit of festive ornaments here and there. Don’t go overboard.

Cutting Credit Cards

10) Cut up your credit cards

Because racking up a huge bill plus interest isn’t worth it.

11) No debt

As much as possible, don’t owe anyone anything monetarily. Additionally, don’t get into debt in order to purchase your wants. That’s the worst.

12) Bring home-cooked food to work

Opting for packed lunch instead of fast food will save you so much money in the long run. Let’s face it, if you and your officemates go out to eat, you never know what the group will decide on. You might end up eating in an expensive restaurant.

13) Place 20% of your salary into your savings account

“Do not save what is left after spending. Spend what is left after saving.” – Warren Buffet

14) Budget

As soon as you get your salary, account for how you will manage your expenses. List down bills, expenses, groceries, etc. The remainder from that should go into your savings account. Then, if there is enough cash left, feel free to spend it on your recreational activities.

9 More Ways How College Students Can Earn Extra Cash

Walking Dogs

There’s really more obligations when you become a college student. You are more likely to be embarrassed to ask money from your parents every time your friends ask you out. You would want to buy more clothes for school to attract the opposite sex. You would want to buy food to help you become less stressed with studies. All these reasons are valid, and the only question is how you will earn extra cash. In this article, we will share 9 ways on how college students earn more money.

Before you proceed, make sure you’ve already checked out Part 1!

1) Sell Your Pre-loved Items Online

You can save yourself from much trouble of inviting friends and strangers over to go and look at your inventory of used items you’re selling at a garage sale. With innovative technologies nowadays, you can instantly post your pre-loved bags, clothes and other things on social media and your network will respond immediately. Encourage them to share the word and you can get these things sold before you know it. You can even post them on eBay out for bidding. Let them dictate how much each item is worth and you earn extra cash in every way.

2) Help in the Community

Chances are, the community is in lack of people who want to help them build houses, plant trees, feed the poor, etc. Why not offer your help at the least price they can afford? Your service will be much appreciated. While you earn, you are also providing benefits to your society and inviting positive effect to come into your life. Good karma is hitting!

3) Be a Tutor

While in school, you will always have those classmates who have slower understanding of the lessons in class. Ask them if they want to be tutored for a fee. Do assignments together and explain to them the theories discussed and how mathematical equations are arrived. You know the drill. You can be paid per hour or per session.

4) Clean Cars

During break times and rest days, you can clear the car of your neighbors and friends and get moolah. Each car can be cleaned both interior and exterior. Of course, you would need to have some skills in this or your customer won’t get satisfied. All it takes is practice anyway.

5) Bake Cookies

There’s a lot of sweet tooth you can find in your circle. Target them and sell cookies you make at home. If you have the time, knock and go door-to-door and leave a message to your classmates and  social network. You will be surprised how busy this business will go from a small startup to a pretty successful endeavor.

6) Be a Mascot

Being a mascot as some event is an easy way to earn cash. If you’re the outgoing type and one who’s not picky at jobs, this one may be for you. Contact event coordinators and party people and have them invite you to a birthday party, gathering or event as a mascot. You can get over 10 bucks for an hour fitting in one costume!

7) Walk Dogs

There are many owners of dogs who are busy working in the day. As a student, when classes are over and all homework are done, you have the liberty to walk their dogs at the nearby park and earn. If you love dogs, this would be fun and easy.

8) Monetize a Blog

Writing for the web can start you getting paid with extra cash as advertisers trust your site. You can also write guest posts for any paid writing gig. Being a freelance writer, copywriter or editor can hone your skills in making your thesis, defense paper, etc. for school.

9) Be a Photographer

If you have a DSLR or any decent point-and-shoot camera, the next step is to utilize your gadget and find clients who are willing to pay for photography or even videography. As an investment, attend workshops to hone your skills in taking and editing pictures and videos.

There are more to this list than you can think of. Explore your choices as a college student and get that extra income in your wallet right now. Find the right fit for your and you can save money while having fun.

10 Fun Ideas for your Office Christmas Party

Office Christmas Party

Your office Christmas party does not have to be boring when all you do is eat and chat among yourselves. This is the time of the year when you can have your bosses and even the most serious guys in the team relax a bit and perform entertaining acts. In this article, we will discuss ten fun ideas on how to get everybody enjoy the party.

  • Go Bowling

Bowling is one of the most fun group activities that even first timers can play. You can divide your organizational teams into groups, not necessarily arranging them to belong to the same business groups. One department can be put to different bowling teams so they can meet new people as well.

  • Go Paintballing

Christmas isn’t the time for office conflict, but paintballing is an active sport where everyone can have a healthy competition and have happy memories to remember. It can really get your adrenaline pumping. Don’t force those who do not want to join because of health problems; they can always be supporters or cheerers of the team at the back.

  • Sing Karaoke

You never know when you’ll discover singers in the team. Singing in karaoke can be funnier than expected. It can bring out the true character of your office mate who has been hiding his comical side over work for years.

  • Exchange Gifts

Why not engage in a Secret Santa exchange gift-giving? Everyone would have to draw lots from names of people in the office and choose a theme of item to buy within the agreed budget. For example, the gift should be “something large and long” and should cost about $10. Given a week’s time, everyone should have bought the gift and present it to the name drawn.

  • Invite a Special Guest

It can be anyone who’s prominent in the industry or a celebrity that everyone is fond of. Having a special guest can spice the party and break the ice. A retired boss or an old office worker can add new vigor to the Christmas party when the mood starts lagging.

  • Conduct Contests

Contests as simple as decorating a Christmas tree or office cubicles in the midst of singing and dancing can be fun. This type of activity would involve the whole department and every participant will feel part of a family competing with other departments.

  • Hire a Movie Theater

Christmas parties should not be all about food and booze. You can have a Christmas-themed Movie Marathon to celebrate the spirit of the occasion. You can also have heartrending movies to touch the hearts of your officemates in this wonderful event.

  • Take Plenty of Photos

Set up photo booths so you won’t have to go around and take pictures while busy with something else. Photos are meant to capture moments and these would carry on for the next years ahead. They remind how great a “family” you are working for one company.

  • Dress in Christmas Costumes

Of course, there must be prizes to be given away to winners of the costume event. You can be a snowman, a reindeer and your coworkers can dress up as a Christmas tree, Rudolf, or Santa himself! Be creative and don’t forget to be in character throughout the party.

  • Offer Great Desserts

Provide spectacular desserts and make sure that caterers or restaurants present them in the most palatable way. Everyone has a sweet tooth in some way or another and desserts can make them instantly happy.

Are your office parties normally a drag? Now, armed with these fun ideas for your Christmas party this year, you don’t have to feel bored. Flash that confident smile, liven things up and get the show going! Build up interest by publicizing the activities and make sure teams are pumped up and excited.

Office Party