I originally published this article sometime back. I’m republishing to correct some errors and to make a few points easier to understand. The original article was written response to a reader, in Canada at the time, who asked my advice on finding a way to earn a living, inline, and to make the methods “easy”. This is a long article, but you can keep yourself out of some common “scam” traps and perhaps learn a lot if you persevere in reading it. But it won’t be “easy”. Neither is making honest money online.
What the Customer Asked For:
- 0.1 What the Customer Asked For:
- 0.2 Which Two Do You Want?
- 0.3 There’s only one big glaring issues with “Easy”. It doesn’t pay worth a shit!
- 0.4 Otherwise Realistic?
- 0.5 How To Get Paid One Third of What You’re Worth
- 0.6 Why Is An Honest Job a Swindle?
- 0.7 Should you jump into it?
- 0.8 Be you own boss and make the $8000 a month for yourself.
- 0.9 Company Driver
- 0.10 Owner/Operators
- 0.11 Seems Like a Three to One Advantage to Me
- 0.12 Rather Than Spend Your Days Searching the ‘Net For a Job That Pays 1/3 What You’re Worth, Be Your Own Boss
- 0.13 Don’t Spend Anything.
- 0.14 The Point Is, If You Are Alive and Reading These Words, You Ain’t Done Learning Yet!
- 0.15 if you are meeting your needs on $2700 in Canada, you certainly can live decently on less than that in the Philippines.
- 0.16 Focusing On Income is Barking Up the Wrong Tree!
- 0.17 Beware of the mindset that moving to the Philippines will make you happy.
- 0.18 Let me play devil’s advocate for a moment here.
- 0.19 How is moving to the Philippines going to cure your ‘sickness’ about where you are living?
- 0.20 Happiness Does NOT Come From Where You Live!
- 0.21 You Don’t Need Money, You Need To Learn and Work and Earn!
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Hmm, let’s see now. I want to make sure I got your request straight in my mind here:
- You want to earn your living sitting there at your own computer,
- You want that computer to move from the freezing wilds of Canada to the warmth of the Philippines,
- AND you want it to all be easy? Wow. That’s a bit of a tall order.
Probably a contract I wouldn’t bid on … I make it a rule not to bid jobs I know from the start I can’t deliver on.
And I Really Doubt I Can Deliver on all three of those needs. Pick two, and we have a real good chance of success. But all three at the same time? I do not feel confident.
Which Two Do You Want?
Now I’m not saying you can’t get all three of the things you are asking for. Perhaps you can … maybe all the planets will align at exactly the right time some day.
But based on years of experience at trying to get all three things you are asking for there, I strongly advise you to ratchet your requirements back just a little, and pick TWO of the three things to focus on.
Let’s Start With “Easy”
See the “easy” part I have all figured out. Some of you may be better qualified than I am to sit in a chair and wait for something to happen, but I’ll give anyone a good run for their money in that department.
There’s only one big glaring issues with “Easy”. It doesn’t pay worth a shit!
Easy Is Easy, It’s Living in the Philippines and the little detail of Making Money that will get in your way.
One reason I love comments here at the PhilFAQS blog, where I try to answer the questions people have about living in the Philippines, is that so many comments are just plain good enough to make a whole blog article out of. Thanks to this reader and thanks to all the rest of you who contribute to making this place a success. I appreciate it.
I make about 2400-3000 a month now in Canada (but it is done through long hours) …
Well rest assured that anything I propose requires long hours of dedication and commitment too. Reader’s ‘round here know I am a big advocate of working for your self rather than getting a conventional J*O*B, but the idea that working for yourself is easy?
That’s a misconception that needs to be dispelled “forthwith”.
Working for yourself requires total commitment to a boss you may or may not feel comfortable with … you.
Some of you are way better off “working for the man”. Not everyone has the self-discipline needed to work for yourself … that’s the plain and simple truth.
Now $2400 to $3000 a month is actually quite a bit of variation, compared to most people’s monthly income. For simplicity, let’s take the average, $2700 a month and kind of analyze your “dilemma” as stated next:
… am interested in your comment though of, “Why don’t you ‘make’ a job” and it got me thinking, is there a work at home job that you know of that costs nothing to start, can earn you some good profits that would one day allow you to solely just be and enjoy life? If so I would love to know of any links to check these out, because of my new dilemma….
Okay, right away we seem unclear on the concept in just one sentence. I did suggest that a reader “make his own job”. But using “job” in that sense was confusing. My bad. I am NOT suggesting that any of you start looking for a “work at home” job.
Let me make a couple assumptions and also clarify what “I” mean with certain terms here. Others may see them differently, and that’s OK too, but in my view you do not want a “work at home” job.
How To Get Paid One Third of What You’re Worth
In the majority of cases these “work at home job” schemes are nothing more than ways to part fools of their money.
Stuffing envelopes, “data entry”, making up thousands of scummy ads for Google and then having them rejected, and even out-and-out cold calling or “cold emailing” is what many of these offers are.
Don’t buy into things which are scams or distinctly resemble scams.
This is a fact to remember that I have mentioned here before but seems to “breeze past’ a lot of people.
Even If A “Work at Home Job” is completely above board and honest, it a swindle, pure and simple.
Why Is An Honest Job a Swindle?
As a general rule of thumb as taught in some business schools, to be ‘worth” has/her salary a person should generate about 3 times their salary for the business’s bottom line.
Less that triple and it’s cheaper to pay overtime and/or hire part-time temps or “off shore” the work.
So let’s say you come across so “work at home” job that will pay you $2700 a month, and unlike many ‘scammy’ sort of offers, everything with this one checks out as forthright and above board.
Should you jump into it?
My opinio0n is NO.
Why get paid $2700 a month if you are generating more than $8000 a month in profit for your ‘boss”? In the words of the near-infallible Mr. Spock, “Does not compute, Jim.”
Be you own boss and make the $8000 a month for yourself.
Or work half as many hours and make $4,000 for yourself, or …. You get the drift.
Since many people’s eyes glaze over when you mention “on line” jobs, let me make an illustration which should be more “grounded” (literally, in most people’s minds.
Let’s suppose you decide you want a job as a long-haul truck driver.
There are literally thousands of job available, right now, today, in both the US and Canada. Although there are a lot of technicalities and different ways to compare the pay schemes, they all pretty much boil down to this ..
You get paid a specified rate per loaded mile travelled for you employee. And in a broad but industry-wide sense, there are two basic ways to get paid:
(That is, you are an employee of the company). The trucking company provides the truck and all the major expenses of operating it, and you, as an employee, drive their truck where and when they tell you to. A J*O*B in every sense of the word.
Starting pay for these jobs is right around $0.25 USD per mile, with the top range after years of experience and such going up to $0.50 USD per mile, in general.
New drivers make in the range of McDonald or Burger King “crew persons”, $20 or 25,000 USD per year,
The more more experienced and successful (and long-hours) working drivers top out at around $50 to $60,000 USD.
(also known as independent contractors). These fellows and gals do essentially exactly the same work as the “employee” drivers, but the own and drive their own trucks. They can not be scheduled regarding days off, hours of work and such as employees can, and they are responsible for their own expenses. They just get assigned to pick up loads by a certain time and deliver those lads at a certain time and date.
How they travel, when they travel, where they get their trucks serviced and all the other things employees can be “told” … well they can’t really be “told” that at all.
The big difference? Owner Operators generally start at $1.++ per mile and can easily be up to the high dollar, even two-dollar or more per mile rate if they get into the best contracts.
It’s not uncommon, after paying all the expenses, fees, insurance and so forth, for owner operators to clear (net) $150,000 USD per year.
$50,000 per year versus $150,00 USD per year. Gosh, I’m not good at math, but doesn’t that mean that the independent business men/women are on the broad average, doing 3 times the income that the “do want and when and where” we tell you J*O*B “wage slaves” are doing?
Seems Like a Three to One Advantage to Me
I can (or you can) find many such examples like this in the real world. So my advice to you is, if you want to ‘work from home”, then be an “owner/operator”, not a low-pay “Company Driver”.
Rather Than Spend Your Days Searching the ‘Net For a Job That Pays 1/3 What You’re Worth, Be Your Own Boss
If you don’t know how … then learn.
If you don’t have time, then stay off FaceBook, watch a little less TV, get up earlier every morning or whatever else it takes to make yourself some time.
You can indeed start online, at home for virtually nothing and build a living for yourself. In fact my advice to you is:
Don’t Spend Anything.
- Don’t buy eBooks.
- Don’t buy “shiny objects” … “tools” that will make you a million at the push of a button,
- invest in nothing except FREEE education for yourself and
- Practice, practice, practice.
The usual response I get here in face-to-face conversations is, “But I don’t know how.” My usual response is, “Well, learn”
Actually, I typically add a couple direct, descriptive,”strong verbs” to the admonition, “well learn”, but hey that’s just me.
The Point Is, If You Are Alive and Reading These Words, You Ain’t Done Learning Yet!
Man’s lot in life is not to grad high school at 18 or college at 22 and then stop learning, but many people seem self-handicapped in their life because they have adopted that path.
You might like to read “Coal Mining’s All I Know” just for fun.
Find a need that people have and fill it. That’s all the formula you need. (and if you don’t know how to fill it, Learn How for goodness sake. Stop being a ‘weak sister” who only knows how to learn different ways to say “I can’t”.
if you are meeting your needs on $2700 in Canada, you certainly can live decently on less than that in the Philippines.
Another ‘rule of thumb” is the cost of living here is 30% or 40% less than cost of living in US cities … likely not a lot different than Canada.
You won’t “Live Like a King” in the Philippines on that sort of money, but you don’t “Live Like a King” in Canada on $2700 a month, either.
I can offer opinion and advice, but only you can accurately advise your own self … no one else is you.
.. Recently I got divorced and found myself wanting change, soon after this I meet a wonderful lady online 6 months ago and we have hit it off smashingly We have covered all the bases of getting to know each other and covered the major hurdle of trust and loyalty; now my problem is this: I am getting sick of living in Canada and I want to start over some where new, but I also don’t want to take jobs away from the local people. Where is the equal balance in this equation. …
OK here’s a straight philosophical piece of advice, aside from anything to do with earning an income.
Focusing On Income is Barking Up the Wrong Tree!
Beware of the mindset that moving to the Philippines will make you happy.
If you re unhappy in your present life (and I’ve been there where you are today, recipient of the wrong end of the stick in a nasty divorce, etc.), keep in mind that wherever you go, there you are.
You really need to clarify your motives in your mind and realize what exactly you need for true happiness.
A LOT of guys in your position move to the Philippines and a huge percentage of them go home after a year or two, even more broke and bitterly unhappy. In particular, to put it bluntly but truthfully, you need to make sure you are thinking with the right head.
Let me play devil’s advocate for a moment here.
You are a Canadian citizen, living free and gainfully employed in Canada, one of of the finest countries on Earth, in anybody’s book.
You are in a place millions and millions of Filipinos would give their “left you-know-what” for the chance to trade places with.
You already have a life which is like a fairy tale dream to millions of Filipinos.
So why don’t you bring this wonderful new life partner of yours there to Canada to rebuild a life together? And along the way she can become a Canadian citizen, learn new skills, get medical attention like nothing close to what you’ll find in the Philippines … and so forth.
How is moving to the Philippines going to cure your ‘sickness’ about where you are living?
This is important guys, trust me. I know there is a certain segment of you reading this who are all tense and getting almost physically ready to explode it seems because you are upset, surprised and even downright angry that I would even dream of criticizing your need to live out your dream. But in spite of what you are holding back from saying right now this minute, yes, for sure, I DO understand.
Happiness Does NOT Come From Where You Live!
My Filipina/American wife and I have been in the Philippines for nearly eight years now. We’re happy here. And very little chance we will go back to the USA in the foreseeable future.
But we aren’t happy because we are in the Philippines. We are happy because of the life partnership we have built for ourselves.
We were very happy together in the USA before we moved. And if we were to move back to the USA tomorrow I have no doubt we’d be happy there again. (In fact she would LOVE to move back to the US, running a household there is so, so much easier.)
So I didn’t intend to write a homily here, but the point is, moving to the Philippines seldom cures unhappiness. It frequently exacerbates it.
… I know making money on line is easy but it takes money to make money right? or am I wrong in this lolz. That is why I am asking you what is the best route to go in my new path. I have other skills that include basic book keeping, management, and I have very good communication sills; in a side note to this, the small town I live in almost all my friends are from the Philippines. There was more I wanted to ask about but working nights makes ones brain tired very easy when the sun comes up . …
Well all that’s left for me to say is, again that “it takes money to make money” is another trite saying that is mainly perpetuated by lending institutions and in particular by people who want an excuse for not succeeding.
“It takes money to make money, I have no money, therefore I will just sit back, say it’s too hard, and wait for money to come my way.”
You Don’t Need Money, You Need To Learn and Work and Earn!
If you want to get started making money for yourself, you can start tomorrow. Invest nothing except your effort and time. Don’t buy ANYTHING! Don’t waste time with schools and other crutches that get in the way of getting things done.
On this site I have written about how to make money often … it’s shamefully disorganized, but there is a lot of data there and it’s a work in progress.
I would also recommend this article on How to make money online by Seth Godin . About 450 insightful words that say more than I could in 4,500. Read it. Internalize it. Godspeed.