Showing posts with label Filipina OFW. Show all posts
Showing posts with label Filipina OFW. Show all posts

10 Reasons Why Philippines Is Better Than USA

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After 2 years of living in New York City I realized that there still things that I can proudly say Philippines is better than USA. I am grateful for the opportunities of working in New York City. every time we drive through Brooklyn Bridge and see the view of Manhattan's sky scrapper at night I am still in awe. I always tell my husband that its still feels like a dream that you live in this beautiful city. Just like Alicia Keys song "Concrete jungles where dream are made of". It feels surreal.

I work as Special Education Teacher for kids 3-5 years old. I am also studying at Hunter College taking graduate program in Applied Behavior Analysis. I am trying to have an on-line clothing business. I am married to a hardworking, smart, and funny financial controller from Bangladesh. What more could I could I ask for. Some people might say we're living the "American Dream". 

Living in America is difficult for everyone. Whether you are an immigrant or citizen of this country it is a continuous struggle to survive in New York City. These are just my personal observations and experiences. Some articles are based from news and documentaries. I do not mean to offend American people and the government. 

1. Fresh Produce



vegetable stand in Philippines
image from http://thumb9.shutterstock.com/display_pic_with_logo/1127003/151222142/



New York city is one of the most diverse city in the world. You can find fruits and vegetables from different parts of the world. New york also produce their own crops. But because of the weather there are some fruits and vegetables that you have to import from other countries or other state. It would take days or months to move the produce from big farms to your local store or groceries. You would always hear from news that there's a recall of fruits because of possible bacteria contamination. 

In Philippines, we buy our fruits and vegetables from our local market. It is still a common practice that people grow their own food from their backyard and sell to their neighbors. I remember buying Malunggay leaves from our neighbor Aling Bibing. My mother used to have a small store and we sell fruits and vegetable. There are local farmers who sell their vegetables to us sometimes we buy from wholesaler in Balintawak or Divisoria. For 20 years of experience in buying and selling fresh produce in Philippines we never encountered that there was a bacteria contamination. There are some fruits that are imported from other countries and other provinces too but for everyday needs you can always choose to buy locally produce fruits and vegetables. 
Farmer's Market in Grand Army Plaza, Brooklyn
image fromhttp://media.abesmarket.com/media/scoop/article/grand_army_plaza_market_10_1.jpg

Here in New York City when you say locally produce or organic it usually more expensive. You can buy it from farmer's market in the city. The one closest to my place is the Grand Army Plaza in Prospect Park. They usually have Saturday market. Locally produce fruits and vegetables are available. Also, they have live music, food trucks, artists, pastries all in one place. But because of New York's weather farmer's market is only available during warmer months. During winter season you can go to your corner store of big supermarket. 


2. Fast Food


Jollibee in Queens, NYC


In Philippines fast food is very competitive industry. American restaurants are every where. When I was in college I used to work as a crew in Jollibee and KFC. I knew the value of customer service and cleanliness in food business. When I came to NYC I noticed the huge difference in fast food. In Philippines, almost every fast food have a place for kids to play. The bathrooms are squeaky clean. There is a special lane for senior citizen and people with disabilities. In my observation the fast food restaurants here have rarely place for kids to play actually I haven't seen one yet. Unless you go to Chuck 'E Cheese where their primary customers are kids. The bathrooms in fast food restaurants here are generally clean but I know this place close to my work where you have to ask a cashier for a key to use the bathroom or you have to drop a quarter if your not a customer. There is no express lane for senior citizen or people with disabilities. Maybe in some restaurant there are but not from what I usually see. 

3. Manufacturing Industries


Marikina City
image from http://byahengmanila.weebly.com/marikina-city.html


Marikina produced 70% of Philippines shoes. Marikina is the shoe capital of the Philippines. Though Marikina shoe industry struggle to compete when popular brand name shoes moved their production to China we can still proudly say that workmanship of shoe making is still alive. Not just just in Marikina, Liliw Laguna, is also well known in making slippers made of locally produced materials. I remember the Alfobra slippers in Makati where my friend used to live. The slippers are very well made. I also had a Tribu slippers which I used when I was in college. It lasted for years. I was wannabe mountain climber back then.  There was a joke about these made in Philippines shoes. "Bulok na paa mo bago pa rin ang sapatos mo" 

However, in USA they struggle to bring back "Made in USA" shoes. The big box retail stores promised to support the local shoes industries. I don't know how much of these are true. There are still American shoe makers who still believe in producing locally made shoes but in reality people buy shoes first because of the brand name and second because of the price. Famous brand shoes spent millions for advertising and marketing while spending so little for the materials. 

Sad to say Filipinos still choose to buy American brand shoes that are made in China. Imagine how long the shoes travel from China to America to Philippines. 
A T’boli from Lake Sebu demonstrates how ‘t’nalak’ is made from abacawoven fiber. The age-old method is widely recognized as the ‘ikat’ process
T'boli weaver
image from: http://www.manilatimes.net/weaving-the-philippines-local-textures-and-fabrics/108502/

Different ethnic groups in Philippines weave and produce different fabrics made from local raw materials like abaca, pina and cotton. Weaving tradition has been transferred from generations. Filipino designers are well known internationally because of they were able to use indigenous materials to their creations. 

Unfortunately, textile industries in America is struggling to make 100% Made in America clothes. There are still some textile mills and companies despite the economic downturns are  keeping their commitment to preserve the industry. 


4. Journalism


I recall my younger sister Excel's thesis when she was in college in Polytechnic University of the Philippines. It was about the threat and killings of journalists in Philippines. Philippines is the 3rd most dangerous place for journalist according to the news. It is unfortunate for the journalist and their family that they have to risk their lives for freedom of speech. I believe that aside from the OFW, journalists should also be considered our modern day hero. In Philippines when there is injustice in government people go to the media outlet and ask for help. When there is national scandal involving government officials regular programming in TV will be suspended to give way to senate hearing or live coverage of any event. Journalists received death threat everyday but they still continue with their job. Their dedication and passion for press freedom is something that we should be proud of. 

It is just my personal opinion but I don't trust big news agency in America. I don't think that the news are balanced. Maybe I just watched to many documentary. I know one excellent American journalist named Jeremy Scahill. I watched his documentary "Dirty Wars" from Netflix. After that I stop watching news from TV. Also, the Pulitzer Prize for Breaking News journalist and famous undocumented Filipino immigrant, Jose Antonio Vargas' "Define American" gave voice and face to 11 million undocumented immigrant in USA. I know there are millions of American journalist who are excellent on their work but they were not given opportunity. Technology have change the game in journalism. Now, ordinary people can produce their own film or documentary through blog and social media. We are given a chance to become journalist too. 


5. National Security


In 2013, Edward Snowden, former CIA contractor leaked the  information that the government is collecting data from Americans. When I heard about these news I was thinking so the schizophrenics are right the government are listening to our phone calls and there is always someone watching us. DSM-IV should be revised ( LOL ). I want to be clinical psychologist someday so its just a joke. Technology made our lives better. You can buy things on-line, get a degree on-line, find your husband on-line but things are not as easy as we think. Identify theft is one of the fastest growing crime in America. Since there is a threat in security there are companies who offer services to protect your identity. Americans are spending millions of dollars to these companies. Now, anything you post on-line can be used against you. It's pretty scary because when you become a victim of identify theft its not just your bank account that is at risk but also all your property, your credit score, everything. When hackers can hack people personal account they can also hack government's record and multinational companies information. 
cyber incidents statistics
graph from http://www.cybersecuritymarket.com/?p=24

One of the advantages of being a third world country like Philippines, majority of the people don't have credit card. Yes! consider this a blessing. When I was in Philippines I was trying so hard to get a credit card but I couldn't. Here in America when you become 18 years old its easier to get credit card. American before they finish college they already have credit card and college loan before they have a job.  I watched the documentary "Maxxed out". People committed suicide because of unpaid credit card debt. Majority of Filipino get their salary through check, ATM, or cash. But a common practice of Filipino we withdraw all our money on payday. Filipino buy things in cash. Yes there is a risk when your carrying cash but they can only take your cash not your entire identify. 

Another good thing about being in Philippines we do not have national ID and our phones are prepaid. Yes! its a good thing. That is what you call freedom we have to enjoy it while we can. 

6. Social Justice


 image from: http://www.equalizerpost.com/2014/06/senators-enrileestrada-and.html

Before I don't believe in the Philippines justice system. Until the 3 senators were put into jail. I don't want to elaborate this topic. But the moment that that the 3 senators were in jail I am proud of the justice system. There would always be a corrupt politicians but there are millions of vigilant Filipinos who would want answers to where their tax go. The Filipino youth would march the street and demand for answers. Yes! Filipino youth love the technology and the lifestyle of the western countries but during the senate hearing and news coverage they would care of what is happening around them. When millions of citizens are watching the government would do their best to tell the people the truth and justice would prevail. 
Student Activist in Philippines
image fromhttps://www.google.com/search?q=PUP+student+activist+pork+barrel+scam

Moms Demand Action
image from http://www.nydailynews.com/new-york/kin-sandy-hook-victims-join-rally-guns-bk-bridge-article-1.1830221

Unfortunately, I don't see this culture in America. There are activist of the street but most of them are direct victims of the case or they belong in certain communities. Maybe because of diversity when it doesn't affect their religion or their ethnic communities they would just go on with their lives. Or maybe I am a product of PUP (Polytechnic University of the Philippines ) where being outspoken and involve in current issues of the country is a culture in university. In America there are too many distractions like technology, fashion, reality TV, sports, or just plain busy with their own lives to care about the politics or social issues. When innocent children are killed in schools becomes a weekly news I don't see the youth on the street. I see mothers, educators, aspiring politicians but I rarely see the youth get involve in the issues.  

7. Housing 


My house


I can proudly say that I own housing apartment in Philippines when I was 26 years old, single and working as a public school teacher. Now only couple of years left I am almost fully paid with my housing loan.  Yes! It can be done. Low cost housing in Philippines should be avail by everybody. I was crazy that time I was only earning Php. 12,000 I have monthly payment of almost Php. 10,000. Somehow I survived.  I tried everything to earn extra money. Public school teacher in Philippines work only for 6 hours. I was working 6am-12n as public school teacher. Then I have Kindergarten class in the afternoon which gave me extra Php. 2,000 monthly and Alternative Learning System teacher at night for Php. 1,500 a month. But these extra job don't pay on time so I have to loan from sharks. It's a common teachers' joke "I went to loan don". It was crazy I was dead tired from work but still I was able to finish my Masters Degree. Now I'm here in NYC hopefully I can finish paying up my loan. But yes I have a house on my name. It's never gonna be easy but its all worth it. 

In New York City if you want to have a house you need at least $ 20,000 - $ 50,000 down payment in cash. You need excellent credit score somewhere over 800. Your combine household income should be more than $ 100,000 annually depends on your expenses and number of dependents. You have to be pre-approved by banks. And you need to attend seminar.  Yes, its next to impossible for minimum wage earner to own a house. The average cost of single family house is somewhere $ 200,000 its upper-fixer in bad neighborhood to a decent house in a good neighborhood for about $ 500,000 and above. Don't even think of living in Manhattan studio apartment could cost $2,000 a month plus maintenance fee of about $500. Most New Yorkers would choose to rent a house farther from the city but close to train station. 

When my people ask me why we don't have kids yet this is my crazy answer. We can't afford it. My husband and I are both professionals and still we both need a second job if we want to have a house and support our family back home. Having a baby is not in the picture yet. 

8. Parent's Involvement in  Education

I don't see much difference in the skills of teachers in public schools in teachers in Philippines and in NYC. I see that teachers are generally passionate about teaching and making sure that kids are learning. Though public schools in NYC are more advanced in technology it can't replace the creativity of the teacher. The big difference that I observed is the parents involvement in schools in Philippines. I work as itinerant teacher so I got the chance to observe how different public school works.
   
image from http://www.maine.gov/education/images/parent%20teacher.jpg

I observed that public school teachers here are doing their best to reach out to parents. The government is providing free related services for students with disability. Free evaluation, OT, PT, speech therapy, counseling, breakfast and lunch to all public school students. But there are still parents who are still afraid to get these services. I remember the parents of my students before they paid from their own pocket to have the evaluation and therapy for their child. They traveled to different government agencies to get free services. They wait for long hours in government owed facilities to have 30-minutes OT or PT. 

Here when kids first enter school and teacher noticed that the kid needs help they will start the paper work. There are social worker assigned to schools or family services coordinator that speaks their language to explain the process and get all the services that the kid needs and its free. All the parents have to do is to sign the paper and attend all the meetings to get the services. Maybe because the parents are in denial or don't have time to attend the meeting because of work. 

In Philippines when parents are working there is always somebody in the family that the teacher can talk to or somebody who would care like older siblings, aunt, grandmother or even neighbor can relay the teachers concern to the parents. Here usually its the parents, but when parents are busy there are also other family members who would take care of the kids. However, there are kids in foster care. It breaks my heart to see these kids living with uncaring foster families. In Philippines when parents are irresponsible the kids end up with other family members. Here when parents are irresponsible the kids suffer. The kids will most likely end up in foster family than their immediate relative. 

9. Health Services


Philippine General Hospital 
image from http://www.philippinesdailyphotos.com/

USA has the best technology and facilities when it comes to health services. If you are low-income family you can avail medicaid however if you earn more than the minimum wage you are no longer qualified for the the free medical insurance from government. You are lucky if your company have insurance but you still have to pay at least $200 every month. Every time you visit a doctor you have co-payment of at least $20-$50 per visit. If you need a surgery for example your insurance will pay $2,000 and more than that you have to pay from your pocket. The doctor should be from the network of your insurance company. If the doctor or the services is out of network you have to pay full price of the medical expenses. There are always payment plan or credit card. But it is so expensive to be sick in America. 

I remember I had a bike accident. I was stupid not to wear a helmet. I was still learning to ride a bike in the road. I accidentally hit another cyclist. It was not a major accident I had a small bruise on my head. One lady called 911.  After few minutes an ambulance came. My husband decided we will not go to the ambulance because its expensive. Ambulance and emergency room even if its minor injury would cost you more than $1,000 with insurance may $500. I was fine we just clean the would and rest. For life threatening cases 911 and EMT can save lives. You can worry about your bill later the most important is you and your family members lives. 

In Philippines most of the people would have PhilHealth it a government subsidized insurance. There is minimal monthly pay. Most of the bills are from out of pocket of the patient. But the good thing is there are government hospital and clinics available. The facilities are the worst you could imagine but the doctors and nurses are the best in the world. Government facilities are open to all citizen. Rich and poor people can go to public hospital. 

There was a dental clinic in my town where you can get dental services for free. Yes free! You just have to wake up early write your name and wait for your name to be called. You just pay for the anesthesia for minimal amount. 

Few months before I move to New York City. My mother had brain surgery. It was the most stressful moment of my life. The doctor said they need to remove the brain tumor immediately. We searched everywhere to find a doctor who could do the operation and the money that we need. Fortunately, we found Dr. Gerardo Legaspi of PGH. During the initial visit Dr. Legaspi asked us why we chose to go to him. I answered because we cannot afford private hospital. He jokingly said "Oh I thought because we are the best". I was ashamed of myself when I learned that Dr. Legaspi is the best neurosurgeon in the country even in Asia. He was a Harvard Medical School lecturer. My mother's surgery was successful. After few weeks we were not able to pay the full amount of medical expenses my father asked the doctor if we can be released on a promissory. Until now we still owe money to Dr. Legaspi. Dr. Legaspi is one of a kind doctors and there are more doctors like him who chose to serve the Filipino people despite of the tempting salary abroad. 

10. Family structure


My Family in Philippines


In Asian countries it is a common practice to take care of your parents, grandparents no matter how old or sick they are. Though is it still an issue with siblings on who will take care of their elderly parents. Filipino don't put their family member in nursing homes. Maybe there are some but rich families who choose to place their elderly in a nursing home but it is not a common practice.

In my community here in Brooklyn I noticed a lot of elderly people living on their own. They are still independent. I always saw them in the gym. When we ran Brooklyn Half Marathon there are a lot of elderly runners who can run faster than me. They take good care of themselves.  I love how these elderly Russian women dress up even when they are going to the corner store. However, elderly people are always the victims of robbery. These are just the things that I observe in my neighborhood. There are also some elderly people who need 24hrs medical assistance so their family decided to put them in nursing home. Nursing homes have good facilities, recreational activities, 24 hrs medical support team. However, I feel that they would be better of with their family. It just my personal opinion. 

Living in the city is stressful.You always have to compete with job. It's hard to find real friends that would really care for you. Depression is a common illness among younger people. In western society when you're 18 you can leave your house and be independent. Young adults would go to the city and try to live their dreams. 

In Philippines, the only time you leave you your house is when you get married. Sometimes even married family members still live under the same roof either because of poverty or because of comfort. Sometimes when couple are both working the grandparents or other relatives would take care of their kids. There are pros and cons of extended family structure. Culture and religion are also factors in deciding factor to live independently or with extended family.

Recently there was a new trend in America. College educated adults are going back to their family's house because of economic issues. Young adults would preferred to go back home because its hard to find full time job. Even with full time job they are stuck with college education loan. 

In America when parents are both working the kids will be in a daycare. But Day care is so expensive.  For single parents in America it is a struggle to be a successful parent and have a career.Minimum wage earner parents have difficulty to find affordable and child friendly child care services. Unlike in Philippines you can always find a household help that would take care of the kids and do your household chores.


 Toneth de Leon, Farah, Shipu, and Dina Dulot

Before I was complaining about this Filipino culture of taking care of your family even you have your own family. Then I realize you cannot be truly happy if your family is miserable. You cannot be considered successful if you failed in your marriage or your kids are in trouble.  Being away from your family will make you realize that you are lucky to have a family. Filipino in Philippines should be thankful that they are with their families. No matter how hard life is it is always easier when you have your family's love and support.

Filipinos in Philippines are always thinking that OFWs are rich because we work in America we earn dollars. But, if you always convert US dollars to Philippine Peso you would think its a lot of money. But we also spend money in dollars. After paying our debt in credit card, rent, responsibilities in Philippines there is almost nothing left to us. Even if we want to go home to visit our families we can't because we don't have enough savings. We chose to be away with our families because we want fulfill our dreams in America and help our families in Philippines. Working abroad is not a fairy tale. Some enjoy comfortable lives while some are victim of abuse.  I pray that someday Filipino don't have to choose between their job or their family. 

I remember in college we had a lecture in Sociology about ethnocentrism and xenocentrism. Ethnocentrism is a belief that one's own culture, lifestyle and products are better than others. While xenocentrism is the opposite of ethnocentrism. Filipinos are xenocentric. We love imported products, we wanted to have whiter skin, and dream of living in America. Maybe its time to appreciate our own culture and support our own products.

OFW around the world would travel miles to find the nearest Filipino or Asian store. My husband and I would go to Jollibee once a month to eat chickenjoy. Our days won't be complete without eating steamed rice or kanin. Maybe I am just homesick so I'm writing this article. Hopefully we can visit Philippines next year.  

Next time I will be writing things that I learn in American culture to be fair. To my fellow OFW I hope you enjoy reading my blog. Thank you for reading my my blog. Comments and suggestions are welcome. 

Confessions of a Muslim Convert

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As I mentioned in my previous post "My Conversion Story", I only takes a minute to be a convert to Islam but being a good Muslim is a life long journey. Honestly, it's not an easy process. Learning everything about Islam, reciting the prayers, learning the "wudu" and "ghusl", identifying 'halal' and 'haram',  finding a mosque and of course looking for friends who will help you to make the journey towards Islam memorable.

The Big News
My mother and father via Skype


Telling your family members that you converted to Islam is not an easy task. My family is Catholic and my parents are very religious people. I was trying to figure out the best way to tell them. I told my closest friends first and luckily they accepted my decisions wholeheartedly. One of my friends warn me about hate crimes against Muslims. I told her that I live in a mixed community in Brooklyn. Jews, Christians and Muslims live peacefully in my neighborhood so she have nothing to worry about. Another friend of mine asked me about a certain verse in the Quran which I am not familiar with. I told her I am just learning and I explained to her that we are still praying to the same God it's just that there are certain ways how we do it. Then, I got engaged so me and my husband talked to my parents via Skype about our wedding plans. They congratulate us and my parents gave us blessings for our marriage. Then, they were asking us, "So where will you have the ceremony? You know marriage is a sacrament and you should have a blessings in the church." I replied, "Hmm,...I converted to Islam." And they become speechless for a while. I explained the process of the wedding and I can see from the webcam that my parents are teary-eyed but then they still supported us. I am forever grateful for my parents about it. 
My friends Toneth de Leon and Dina Teodoro
wear tradional Bengali dress on my wedding

Learning Materials

When I converted the Imam gave me a learning kit. I have my second Quran, book about the Jesus and Mary mentioned in Quran, DVD about Islam and the prayer book. I also searched on Google about Quran, Islam and the life of a convert. The information are overwhelming. Honestly, there are thousands of site that could mislead someone  about the true meaning of Islam. It is one of the concerns of being a convert in filtering the information that we see on-line. There are different Schools of Thought in Islam and there are also people who are using Islam to promote violence. I hope there is a way that we can classify and validate if the information is valid and true to the essence of Islam.  

Learning the prayers

My husband was teaching me how to pray. All the prayers in Islam are in Arabic except for Du'as which you can say in your native language. At first I was shocked because first I am Filipino my native language is Tagalog and my parents are also speaking Illonggo, a native dialect from their province. Now I am in America I am speaking English, some of my students speaks Spanish so I am learning to speak Spanish. I have Rosetta Stone to help me learn. Then my husband is from Bangladesh his parents were asking me to learn Bangla because they said it is hard for them to learn English. Then, in order to practice my faith I need to learn Arabic. Before I doesn't makes sense to me. God is our Creator, He understand and sees our heart then why do we need to speak Arabic? Now, I see the value of learning Arabic. Quran was in Arabic in order to understand the full meaning of Quran we need to understand the Arabic language. Second, people from all over the world speaks different language. If all the Muslims learn Arabic, it will unite us as community. I enrolled in New Muslim Program and Perfecting the Prayer class at M.E.C.C.A. Muslim Education and Converts Center of America. I met wonderful converts who have their different stories of coming to Islam. I would highly recommend M.E.C.C.A. to all people who would want to learn more about Islam.
My friends at M.E.C.C.A.


Wearing Hijab
My hijab during Eidul Adha 

There are about 2 billion Muslims all over the world. There four schools of thought in Islam and they only agree on the 70% of the principles. I also read that there is no compulsion in religion. Many Muslim women are not wearing hijab. Some women wear burqa, some women wear niqab, some women wear hijab, some women don't cover their hair so totally it up to the person and your faith. Hijab is one of the most controversial issues among Muslims and people of other faith. Other people say that hijab is form of oppression and women were forced to wear hijab. Personally for me you have to belief on the purpose of wearing a hijab. It should come from your heart. Your love for Allah should be your main reason of wearing a hijab. Hijab is more than a piece of cloth. Hijab is modesty in appearance, in the way you speak and the way you behave. When I first wore hijab and used public transportation I experienced disapproving looks from people on the subway. People choose not so sit beside you even the train is crowded. At first it bothers me but then as months went on I just get used to it that wearing a hijab is part of my lifestyle. Honestly, I am not wearing it 100% maybe like 90% of the time. I love watching YouTube videos of  hijab tutorials from women all over the world. One of the YouTube channel that I like is the Hijabi Bengali Sisters




Finding a mosque


Finding a mosque is one of the issues of converts. There's a lot of mosque in New York City but each one of them have some kind of rules. Majority of the mosque were built by different communities and they speak their native languages and translate it English too.  Some of the mosques also don't have place for women. Some of the mosques also are overcrowded during Jummah. I've seen some Muslim brothers who were praying outside of the mosque and they placed their praying mat on the street. I feel bad especially during winter time but Subhaan Allah their faith is enough to keep them warm. Personally, I prefer to go to the mosque in 96th St. It's where I converted and got married so during Eid this is where we go to.


Looking Forward

After 8 months of being convert I memorized 5 Surah and I can pray by myself. But learning doesn't stop there. My goal is to learn to read Arabic and be productive member of my community. Since I converted I learned that there is limited shops that caters to active wear for Muslim women. My husband and I think of an idea on how to solve this issue. We will make a clothing company that would cater not just only for Muslim community but to all women who want modest clothing. And that's how the Farah Fashions NYC was born. 
created by: Cherry Ann Montehermoso
Farah Fashions NYC Logo by: CAOM
I hope you enjoyed reading my blog. Comments and suggestions are welcome. Photos, images and texts are properties of Cherry Ann Montehermoso. 

8 THINGS I LEARN IN ON-LINE BUSINESS

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I am a Special Education Teacher by profession so the lessons that I learn in on-line business are purely based on what I experience in my few days of having an on-line business. I got my entrepreneurial skills from my parents who always dream of having a successful business. My friends knew me as a business person. Since I was in Third Grade I used to sell home-made candies to my classmates until I was in college. Even when I was teaching in a public school in Philippines I am always into selling something aside from my full-time job. Now that I am based in New York City I would like to share my personal experience and I hope other people will get an idea on how it is like to have an on-line business.



1. Research:    What do you want to sell?

    It is a common knowledge that you will never get rich just by being an employee. I learn it from Dr. Robert Kiyosaki the famous author of the bestselling book Rich Dad, Poor Dad. I remember I borrowed the book from my father like 10 years ago. There is always something that you are passionate about that even you don't get paid and even you do it for long period of hours it will make you happy. If you have answer to that then you already found the things that you can sell. There are people who likes doing crafts, painting, baking or etc. Whatever it is you can sell it on-line. Even your hobby or profession can also be offered on-line like photography, make-up, plumbing, construction, etc. Having an on-line presence can boost your sales and your market. If you are selling products you are not limited to your local community your products could reach any place in the world.  


2. Finance:     How much money are you willing to invest?
 
    You don't need thousands of dollars to start your on-line business. Even with few hundreds of dollars or even with nothing. If you don't have any money to start but you have finish products sitting in your house like painting, crafts, or old clothes you can definitely sell it on-line. If you want your business to be registered you need to apply for business permit if you live in NYC you can check-out https://www.opal.ny.gov/pas2_e-Lic.nsf/OPALHome?OpenForm or http://www1.nyc.gov/nyc-resources/categories/business.page to learn how $100 to register the name of your business and you need to pay other fees like notarization so be prepared to have at least $150 when you go file for business permit. 

   When you apply for business permit you will also have Resale Tax ID . You will use your Reseller's Tax ID in buying goods from suppliers. Most of the whole sale or exporter will not sell if you don't have your Reseller's Tax ID. 


3. Website:     Where do you want to sell your products?
 
    It depends on what products or services you want to sell. There are numbers of on-line marketplace that caters specifically to the products and services that you want to sell. You don't need to have your own website to start your own on-line business. 

Amazon or Ebay These are the most popular sites where people usually buy things on-line. Personally I am a fan of Amazon because of the fast shipping and they offer store credit card which is most convenient for most people. If you are thinking of selling at these marketplace just click on the links to learn about the fees of posting your products. Their prices are very competitive for small business it is not very good.

Etsy or Storenvy These two are most popular for handicrafts or hand made products. Etsy is the Amazon for handicrafts. Storenvy is more like Etsy but opening your store is absolutely FREE!!!. Etsy charge 20 cents per product you post for 3 months but you get more exposure because there are magazines who are constantly looking for new designs at Etsy. Personally I have my shop at storenvy because its free. We are just starting out so we just want to spread the word for our business but we also consider other sites in the future. 

Freelancer.com or Care.com If you want to have selling your services you can check out Freelancer.com if you are graphic designer, website designer or programmer. People or companies who want these kind of services offer the job and geeks from all over the world will bid for the job. Care.com if you want babysitting, tutorial, care giving, pet sitting job you can be a member and its free. Even big business like daycare services, housekeeping services offer their services here. When I first came to NYC I found housekeeping and babysitting jobs at Care.com it really helps a lot.

Shopify, Big Cartel, Go Daddy  If you want to have your own website and drive traffic on your own then you can consider these three names. They offer domain name, website template that you can customized and other services for your business at certain cost. You don't need to know web design to have your own website. At first I was considering to have my own website but since I have limited budget then I decided have my store at Storenvy. 

Even if you have your website it is still advisable to spread the news the traditional way. Tell your family members, friends, co-workers about your business. My first sale mostly come from my friends. 


4. Suppliers:     Where will you get your products?

Before you think of your suppliers think first about your pricing. Look around the prices of your competitor and the quality of their products. Your prices should also be at the range of your competitors. Consider also other expenses such as packaging, labeling and shipping and of course pay yourself. Most of the suppliers are asking for your reseller's  tax Id before your can buy their products. At first I was planning of buying wholesale clothes from Bangladesh, China or Philippines but my major concern is shipping and minimum orders. Most of the exporters from Bangladesh or China or any other countries you have to buy a minimum of 100 pcs. and you have to pay for the shipping. This is not advisable to small-business like mine. I don't have storage and I don't have enough capital to invest. There are wholesaler in U.S. where you can buy your supplies and they have low minimum. Means you can buy goods like 6 pieces of shirt but if you buy in bulk of course you get lower prices. It depends on the quality of products you want to make to determine which suppliers you will go to. Always compare the prices and quality of the products and of course the reviews from actual customers is a big help. 


5. Marketing:   How will you make people buy your products?

In any business you have to know and study the target market of your products. I am selling women's clothes so my target market are women who like to buy clothes on-line. There are number of ways in doing on-line marketing.

Social Media  Facebook, Twitter, Instagram, Blogger, LinkedIn These social media are the easiest way to attract traffic to your website and its free!!!. However you do not have to join in everywhere. You have to consider the time you can actually spend for updating these social media. Having a good number of followers can help your business but it does not always mean these followers will buy your products. Facebook pages are now offering pay per click marketing for business. Facebook will advertise your page and every time somebody click your ad it will automatically deduct in your account. For small business like mine pay per click is not advisable because I have limited funds. You have to be creative to make people like your page without spending money. 

Google Ad words it is also pay per click but you can drive your target market to your website.

Banners you will it them in most of the popular websites and blogs. People who would like to place a banner in a popular website will use these type of advertising and each time people click their banner the website owner of blog owner gets paid. 

Direct Mail Marketing there are number of companies where you can buy mailing list of your target market. First you will select the area, then the specific categories like household income, ethnicity, religion, etc. Then the website will give you the number of target clients based on the areas. You have to pay per mailing list or e-mail list. Then you can send direct offer to your target clients. 

Of-line Marketing. Aside from the number of on-line marketing strategies doing marketing the traditional way is always recommended. Having your business card, fliers and sample products always with you is advisable. People you meet at work, at parties at school can always be your customer. Having an actual product which they can directly buy is the best way. Personally, my first sales are the ones that I bring when I visit my neighbor and at a wedding party that I attended. I bring some samples of my products and somehow I made my sales. 


6. Time:    How much time are you willing to spent in your business?

I didn't realize that on-line business can be very time consuming. Well, I am happy with what I am doing so I doesn't matter. However, you have to take into consideration other duties that you have. I have my full time time job as a teacher and my duties as a wife. You should make your schedule and try to stick on it. You should try to balance your time across all areas of your life. I made a mistake to gave up my time for work out. Since I was busy in starting out my business I never went to the gym. Now, I have to make it a habit to work out  even with a busy schedule. 

7. Focus:     How to prioritize things?

It is my bad habit once I open my laptop I lose track of time and things that I have to accomplish. There are so many interesting on the internet that catches our attention and loses our focus on what is important. One of the effective ways for me is turning off my internet connection while doing report and I have my to do list visible all the time. It is also important to set your goal. That means we need a Business Plan. Having a plan in everything you do keeps you focus to achieve your goal. As a teacher we have a Lesson Plan so with our business. You can learn more about writing your business plan by researching on-line and by attending seminar / workshop for small businesses. Check-out government and NGO that provides free training for small business owners. 


8. Inspiration:     How will you keep your spirit high even if you don't have sales?

Support from your loved ones, friends and co-workers are important when your spirits are low. You have 100% faith in your products but you don't have any sales. You did everything I said from step 1-7 but still no sales. Guess what, it takes time to make your name or your products known to people. Just be patient and work hard. I will end my blog with a poem by Marianne Williamson "Our Greatest Fear" it is popularly quoted by the late Nelson Mandela. I first heard it from the movie "Akeela and the Bee". 

I hope you learn something from my blog. Comments, suggestions and questions are welcome. Share it if you like it. - Farah



Our Greatest Fear —Marianne Williamson

it is our light not our darkness that most frightens us

Our deepest fear is not that we are inadequate.
Our deepest fear is that we are powerful beyond measure.
It is our light not our darkness that most frightens us.
We ask ourselves, who am I to be brilliant, gorgeous,
talented and fabulous?

Actually, who are you not to be?

You are a child of God.
Your playing small does not serve the world.
There's nothing enlightened about shrinking so that other
people won't feel insecure around you.

We were born to make manifest the glory of
God that is within us.

It's not just in some of us; it's in everyone.

And as we let our own light shine,
we unconsciously give other people
permission to do the same.

As we are liberated from our own fear,
Our presence automatically liberates others.

—Marianne Williamson