Pera ni Juan

For those who don't want to leave the comfort of their own home but still get the income of a call center agent. Introducing Kgb Special Agents. This agents answers online text questions right in the comfort of their home and in their own preferred chosen schedule.

Imagine there is no hassle of commuting, no dress code and more money saved from transportation and food. Plus you have more time to spend quality and quantity time with your family. And you get the chance to earn as much as Php 10k a month.

kgb has been in the knowledge business for over 15 years. They are dedicated to providing callers with up-to-the-minute pinpoint accurate answers 24 hours a day 365 days a year.
Kgb believe that customers want a simpler, faster, more efficient way to find the information they need.

Interested? Here's more:

Philippines Special Agents – Work @ Home

The Mission:
To research and respond to 2-way text inquiries quickly and accurately. Special Agents combine ingenuity with research skills to solve real problems for real people every day. Some questions require a serious answer, others require a sense of humor, and some require both.

Philippines Requirements:
* Must be at least eighteen (18) years of age
* Must have a Philippines Social Security System number or validated E1/E4/E6 Form
* Must have a Philippines mailing address
* Must submit paperwork at one of our call centers in Makati City or Santa Rosa, Laguna; if you live in a remote area and cannot visit a center, you can submit information via courier service (additional details to follow about this during Registration)
* Must agree to work a minimum of 10 hours per week, but scheduling is flexible
o Maximum per day is 6 hours; Maximum per week is 36 hours
o You will be required to work at least 2 hours of your 10 hour weekly commitment between 6AM Saturday and 6AM Monday Philippines time (pending shift availability)
* Cannot already be employed by kgb or any of its subsidiaries
* Must have access to a computer with a high-speed internet connection and Mozilla Firefox web browser

Philippines Qualifications:
* Skilled Internet researcher
* Ability to quickly identify keywords
* Excellent grammar and spelling
* Fast and accurate typing
* Enthusiastic, passionate, creative, clever, curious, and dedicated

Philippines Work Schedules:
kgb Special Agents fit their “Special Agent life” around their normal activities. When the kids are at school. When they’re between college classes. Any time. Mornings. Afternoons. Or nights. Special Agents sign up for shifts based on their weekly availability. Since we want people 24/7, we’ve probably got just the times that work for you. And, since we know you want to be busy fielding questions when you are logged in working, weekly shift selection helps ensure exactly that.

We require an easily attainable minimum number of hours to work – 10 hours per week – to make sure that agents remain engaged and up-to-date with kgb’s processes. Special Agents have the freedom to select when and how often they work.

Philippines Performance Measures:
Special Agent text responses will be scored in accordance with kgb’s Quality Standards. Quality Standards will be explained in detail during kgb Special Agent Training.

Philippines Compensation:
Imagine making some extra spending money by answering questions while you sit in the comfort of your home. That’s what kgb Special Agents do. They use their superior question answering skills to earn extra dough just by being smart – and get paid for the questions that they answer.

Compensation is “per piece” and is based on response type:

* 3.4 PHP for each full response – query is investigated and answered by the Special Agent

* 1.7 PHP for each validation response – answer automatically populates from our Knowledge Database and is forwarded on by the Special Agent

Today, most work will be full response. As our Knowledge Database grows, the amount of validation response work will increase. Some of you might prefer full response work, and others of you might prefer to zip quickly through validation response work. And, sometimes, the choice will be yours as Special Agents are always presented with more than one question and can choose the question they want to field.

Given these choices, which would you pick? How would you describe the color green? (something like this would probably require full response)... or… Why is grass green? (something like this would probably require validation response). And, because of our weekly shift selection philosophy, we intend to keep the questions coming regardless of type, so that you are busy earning while you are logged in.

Philippines Payment Calendar:
Payments are direct deposited into Special Agent’s accounts based upon the normal kgb_ Philippines pay cycle.

To apply you can visit their office at:

kgb Philippines
11th Floor, RCBC Plaza Tower 2
Ayala Ave. cor. Sen. Gil Puyat Ave.
Makati City, Philippines 1200
632-755-1600

BTS Facility, SRE 2A Commercial
Sta. Rosa-Tagaytay National Road
Brgy. Don Jose, Sta. Rosa, Laguna, Philippines
632-7567-500

or log on to their website at:

www.kgb.ph

Tired of going to a crowded place like Boracay.... Well why don't you try a place that will give you the "real vacation" that you truly need. The peace and tranquility that will relax your busy minds and enjoy the true nature of Batanes.

Fundacion Pacita is a resort that was once the home studio of internationally acclaimed artist Pacita Abad. It was refurbished by her brother Butch who envisioned the nature lodge to provide peaceful accommodations amid a lush garden.
Every room was designed to resemble a gallery, with the walls adorned by masterpieces of both well-known and up-and-coming artists.

Valentine's Day is almost near and once again this is the perfect time to make profit for people who buys roses, chocolates, stuff toys and valentine cards for their special someone. Hallmark cards made a fortune mainly on selling cards on Valentine's day.

Why should we let Hallmark have all the fun when you can make a killing by making Valentine Gift basket. Gift baskets are extremely easy to put together, but you have to be creative enough to make the results look stunning. Since the theme is Valentine's day you could place items that are related like red roses or daises, a black gorilla stuff toy, a "La Maison du Chocolat" chocolate set, and most important of all a letter from the sender indicating how important that person is.

Making gift baskets is the easy part, what to put in is a little bit tricky. It will entirely depend on the buyers needs and desires. If the customer wants to send a Valentine gift basket to his boss, a couple of good branded wine, some chocolates, cigar maybe, and a note requesting for a pay increase or a promotion. If the buyer wants to please their mothers on Valentine's day he or she could include in the gift basket a good set of new books to read, some good soap and shampoos, chocolates (if she is not diabetic), flowers, and love letter thanking their mom for bringing them to this world.

Gifts basket are not only for Valentine's day. There are a lot of occasion that you could use a Gift basket. There is Christmas, Birthdays, Wedding Anniversaries, Baptism, Graduation, Job Promotions, Thank You gift, Easter, Halloween, and Engagement gifts. There are numerous themes that are out there, you just have to use your imaginative mind.

Gift baskets are suitable for people who cannot decide on one particular gift item, so they prefer giving away an assortment of goods all wrapped up (or, in this case, placed) in a nice package. And the best thing about Gift basket is the target market is huge. Anybody from all walks of life are being tap in. No age or gender targets. It doesn't matter if the customer is rich or poor as long as they can pay your products.

Once you have your theme you can promote it on the internet to get customers. Remember the internet is the fattest way to expose your Gift basket products. If you want help to promote your Gift basket business on the net you can log on to: http://pinoybusinessbooster.blogspot.com

Here is some guidelines on how to start your Gift basket business:

Materials Needed:
* Empty basket
* 2-3 yards or wired ribbon or a ready-made bow
* Scissors
* Glue
* Clear tape
* Ribbons
* Valentine flowers
* Gift items to be placed inside the basket

(All available at supermarkets or bookstores)
Gift items to be placed inside the basket.

5 Easy Steps to Make a Gift Basket
1. Decide what the basket “theme” will be first – is it for Christmas presents? Mother’s Day? Birthday? Your decorations will revolve around that theme. For this project, we are making a Valetine-themed basket.

2. Place the gift items in the basket starting with the tallest items toward the back, forming a “wall.” Place medium-sized items in front of the “wall” (so that they are leaning against it); the smallest items will fit along the front rim of the basket.

3. Wrap a colorful ribbon around the handle of the basket.

4. Fill in the other blank spaces of the basket with Valetine flowers and other trimmings.

5. Using the same ribbon, make a bow. Measure 8 inches from the end of the ribbon and pinch the spot firmly between your thumb and index finger. Make a loop and pinch tightly, then make a second loop and pinch over the first two pinches. Repeat this process, forming as many loops as you want. Pinch and tie all the loops together with tape or wire. Trim off the excess, and glue this bow to the front of the basket.

Tips: When buying ready-made bows, make sure the size is right for your basket – for example, don’t hide a small basket with an oversized bow.

How Much Will You Make:
Your production cost will vary depending on the amount of the items inside the gift basket. However, a safe bet would be to put a mark-up of 20 percent on the final price.

Gift baskets are fun to create especially if you make the customers come back to buy more products that you produced. This small business venture can turn to be a big time business if you got the right target market. Target the high-end market. This people love to buy things that won't waste their time. Their time is to much valuable to make Gift baskets for their loved ones. It's you should be doing it for them... with a price of course.

Garage Sale are becoming popular nowadays. Before the purpose of a Garage sale is to dispose your old and unwanted stuff to the nearby houses or within your community/village. They usually do this once a year when home-owners clean up their house and notice that they have lot of old piles of things that they don't use anymore.
That is why Garage sale was invented to dispose their unwanted things.

Now it's different especially here in the Philippines. They make Garage sale into a business. And they do it every week. They just don't sell their personal stuff they buy from "ukay-ukay" or divisoria and they sell it with a profit margin.
In the States they sell their old furnitures, equipments, and clothes. But here everything is edible and for sale.
There are a lot of things that you can buy from a Garage sale here in our country. There's clothes (both old and new), shoes, slippers, sandals, jeans, shorts, jackets, hats, caps, jewelries (the not so expensive ones), wrist-watch, beads, and sunglasses.

There are electrical equipments too. There's cellphone, i-Pods, digital camera, TV (usually the 21" inch), microwave, stove, oven, electric fans, aircon, stereo, playstation, PSP, X-box, computer monitors, laptops, desktop, washing machine and even freezer.

Sometimes you could see a good quality mountain bike or a scooter that you can still use. And sometimes you get the chance to buy an old antique furniture (this very rare).
There are also old books and magazines, and even dog cages. You will be surprise but sometimes they include their dogs with the dog cages that they sell (just hope it's not an adult Rottweiler).

The trick here is to go to high-end villages and know when do they held their Garage sale. If you got a friend or relative who lives in a high-end villages contact them immediately and tell them to call you if there is a Garage sale coming up.
You can get the chance to buy a 2nd hand 52" inch flat screen TV at only Php 15k (I'm not kidding). Or avail a kitchen showcase at a minimal price where you can use the equipments to put up your own bakery (they sell good baking equipments).
Clothes they sell are relatively new (2 months used) and are branded. Either you use it or sell it again at a minimal margin.

Aside from high-end villages you can comb divisoria, quiapo, or tutuban. Buy things that you think your community will need. Normally it's clothes, sandals, toys and home equipments that are popular. Don't increase your selling price. Set a price that is enough for you to have a profit. Remember, you are not in a mall, there's no rent. Therefore there's very minimal expense on your Garage sale venture.

Set up an inventory and let your maid help you with guarding your stocks when there are customers. Theft is common in Garage sale and you need to be sharp on looking at shop-lifters.
Week-ends is the best time for you to open your Garage sale since most people are free from their weekly jobs and students don't have schools.

Just don't forget to inform your community about your Garage sale. Send out flyers and give it door to door. Post an advertisement on the village association bulletin board. You can also give flyers to people who goes to Church to hear mass.

Garage sale is not only to dispose your unwanted stuff. Nor it is not just a sideline money making one-time scheme. You can really make it a regular business. If you know the ins and outs you will earn good profit from it.

Tahoooo.... Tahoooo.... that's the sound that you hear in the morning. Skinny men carrying two big tin containers filled with soya drink or Taho. They connect the two tin containers with a long sturdy stick in able to place the containers on opposite side. Therefore this will allow the Taho vendors to carry the two containers at the same time.

So what is a Taho? Taho is a Philippine snack food made of fresh soft/silken tofu, arnibal (brown sugar and vanilla syrup), and pearl sago. It is a staple comfort food and it is very affordable. The cheapest is just Php 5.

It may sound funny but even you can make big profits out of taho. You can start at your own backyard or garage. You can use your space at your house. It doesn't matter if it is a garage, a laundry area, a backyard, or a stock room. As long as you don't disturb the neighbors in the wee mornings and as long as you don't pollute the surroundings in your vicinity you will do fine.

Curious? Here are the details on making the famous snack food.

HOW TO MAKE TAHO:

1.) Soak soya beans for 30 mins. in topwater.
2.) Dehull the soya beans using your hands until skin of beans are peeled.
3.) Soak the soya beans for 8 hours with generous amount of water. After 8 hours, grind the soaked beans as fine as possible(you can use a blender), then cooked it and let it boil in 180 degrees for about 20 mins.
4.) Drain the cooked soya beans to separate the soya milk to the soy pulp. Make sure you squeeze all the soya pulp for excess soya milk (you can use a fine piece of cloth).
5.) Then apply a coagulating powder. Stir one or twice until gel-like form is achieved.
6.) Put toppings: Sago and Syrup.
7.) Start selling!

For the Taho/Tawa syrups
1 cup brown sugar
1 cup water
Dissolve sugar in water and let it boil for 5 minutes. Use more sugar and cook longer if you want thicker syrup.

Remember this procedure is only use for small backyard operations. If you want a large scale production, you better attend seminar first. You can visit a Taho factory to see what they are doing. Befriend them if you must.
Back in the day, I used to buy reject taho or "sapal" at a cheap price from a taho factory. I used this "sapal" as a additional food additive for my pigs in my farm in Batangas. I normally buy 6 big containers a week. So that makes me their "suki" or regular customer. As a "suki" I have the privilege to see and watch their operation in their taho factory.
I normally go there at 3 am. That's when they are halfway done cooking taho. Inside the factory I could see their large Taho cooking equipments. There are lots of people too who have different types of duties in the taho factory.
If you want to learn from the experts better use my method.

In making income, what you need to do is gather a lot of taho sellers (mag-lalako). You sell your taho (finished product) at a wholesale price to the taho sellers. The taho sellers will then sell it to their designated areas at a retail price. In this case it's a win-win situation. You earn profit, your taho sellers earns profit.

Let's just assume that the selling price of a taho is Php 10 per cup. If your taho seller was able to accumulate 80 cups in one day then he has a gross income of Php 800. But that's only one taho seller. What if you got 20 taho sellers, you can reach a gross sale of Php 16,000 a day.

The key factor here is your taho sellers. If you make them happy and let them have a "fair" share of the taho earnings, they will keep coming back to you. This giving you more revenues.

You can also make tokwa, soya milk and other soya by-products for additional earning. Mind you that most Piggery owners buy "sapal" from taho factory for their pig needs.

Taho is not only nutritious on your health but it is also nutritious on your financial department.

The Philippines has an estimated population of about 92 million people and it is the 12th most populous country in the world. This may be a problem for the Philippine government but for you it's an opportunity. Why? Because in every minute there are 3 Filipino babies that are being born.

These babies will be needing a lot as they grow up. Their parents are probably both working and are out normally on week-days leaving their children to their nannies or yaya's. Although they are reliable, these parents would prefer to send their kids to a place of a more formal structure. A place where they can get education and socialization with kids of their own age. That is where Day Care Center comes in.

If you think that Day Care centers are for Western countries your gravely mistaken. More Filipino moms have to work after their baby is born. Nowadays there are very few families that are able to make ends meet on one income. Gone are the days when only the daddy's that goes to work. Mommy's needs to help financially to keep up with their expenses.
A Day Care center is like a second mom or dad that will come to aid and guide their kids while the parents are away from work.

So before you decide to open up your own daycare, you need to check with your government agencies to find out what rules and regulations you need to follow. For example, you are only allowed to have a certain number of children per square foot of space your building has, so you need to know this right off the bat.
You will need to locate a site that is large enough to house the number of children that you plan to care for. Many have been successful with purchasing actual homes, and making any needed renovations. You may also have some luck with your local churches or city organizations, either with locating a space, or possibly leasing space from them.
It is crucial that you pay attention to all of the zooming rules in your area, so you don’t rent a place, then find out you are not allowed to run a business out of it. It does take quite a bit of overhead to open up your own center, a lot of which goes into getting the location you need.

If you own a house that is big enough to accommodate children then you already save money from your initial capitalization. You can use the save money to purchase tables, chairs, playing mats, play pens, etc.

Remember that your revenue will come from your customers.... the children. That means your place should be a sanctuary where the kids can be safe and away from harm (something the parents initially sought for a Day Care). Hire the right personnel. Get people who are devoted to children. If you have teachers then you can combine your Day Care business to Pre-Schooling. Double income for you.

Once you have pretty much gotten everything down as far as laws and your location taken care of, you will need to advertise your new center. One of the best ways to do this, especially if you are on a busy street, is to have a nice sign up that states your business name and that you are accepting children. You will also want to let people know the hours your center will be open, and what days of the week, and most importantly, have a contact number shown.

If you can’t get all of this information on your sign, at least have your business name, hours, and phone number, then potential customers can call you for more information. You may also want to drop off fliers at your local pediatrician’s offices, schools, or maybe run an ad over your local newspaper. If you don’t let people know what you are offering, and get the word out, how can you expect to have clients?

Another major decision to make is choosing what hours your day center will be open. If you really want to make an impact, I would recommend being open outside of the normal business hours, maybe opening at 5 or 6 am, and staying open until around 7pm. This would help you get clients that many other Day cares are unable to cater to, giving you more customers.

Keep in mind, that you will most likely need to provide meals, so if you are open the above hours, you will probably be serving three meals a day. You will want to make sure you remember that when you determine what the cost per child will be. Remember that you also will need to provide at least two healthy snacks a day. Let the parents know what you will be offering, so they will know what they are paying for.

Children tend to do best when they have set routines, so you will need to make a basic daily plan, and give your teachers and parents a copy. It is important that you plan the day according to the age range of the children. Include in a rest or nap time, or two for the younger ones. You will also want to have some learning activities, arts and crafts, outside time, free play time, and story time. If you will be accepting children that are working on toilet training, you will need to set aside specific time slots in the day to be potty time as well.

When you know how many children you will have, and what their ages will be, check the city government laws to find out how many teachers you need. Depending on the children’s ages, you need one teacher for every so many kids. When hiring your teachers, look for moms or young adults that have taken some early childhood education courses. You want to try to get certified teachers, if possible, to ensure that you not only have a caring center, but one that offers learning opportunities as well. If you can fit it in your budget, it is also a good idea to have some kitchen staff, maintenance people, and possibly even a nurse in case of emergencies.

All parents will need to fill out medical forms for their children, letting you know their history and of any known conditions or allergies. You will need a release to seek treatment form, contact numbers for the parents in case of emergencies, and contact info for the child’s doctor. It is important to be prepared in advance, in case any emergency situation did arise.

Your center will need to have a designated outside play area, equipped with safe, sturdy toys for the children to play with. This area should be fenced in with locked gates to protect the children. You will want to have swings, sandboxes, slides, any kind of outside equipment you wish, as long as it is safe, and age appropriate.

Stock the individual rooms with toys, books, games, televisions, educational movies, maybe a computer or two for the older children, anything that you wish to have on hand for the teachers and children to use. You will need to have an eating area in each room, and a place for naptime, diaper changes, etc.

When dealing with parents and financial issues, you will be better off asking them to pay the month or week in advance. By having them pay ahead, you aren’t dependent on them for the funds to buy needed supplies, or pay teachers, and don’t have to worry about losing children due to non-payment. A lot of daycare centers have to close because they financially cannot make ends meet, usually due to parents not being able to pay them when payment is due. Let parents know that you need them to pay in advance so that you have sure funds to use to care for their children with.

You may want to run the center yourself for the first little bit, to keep costs down, and to ensure that everything is running as you want it to. Eventually, when profits rise, and everything is going well, you may want to hire a manager to oversee the day to day running of the center for you. They would be responsible for hiring teachers, taking care of new customers, purchasing supplies, planning lesson plans, meals, etc. You basically would sign the checks, and still make all of the major decisions, but would free to pursue other endeavors if you wish.

Children are gifts from God not only personally but financially. Running a Day Care center is like having an extended family that has a population of 20-30 kids. How's that for family?

Nuffnang is Asia's first blog advertising community. In layman terms it is like advertisement in a newspaper. The difference is they put advertisement on the internet. Those people who have websites or blogs can get advertisement from Nuffnang and they get paid depending on the number of viewers on their site.

Nuffnang.com currently has offices in 4 countries, Singapore, Malaysia, Philippines and Australia.

It is from these offices that their teams actively seek brands to match with the niche of the bloggers (website owners). Their advertiser roll call includes blue chips such as Citibank, Nokia, Sony, Proctor & Gamble, Nike, Nestle, Disney Pictures, Honda, Samsung and more.

Nuffnang is constantly looking to hire aspiring individuals:

Positions Available at Nuffnang

1) Media Sales

In short, the people in Media Sales at Nuffnang mainly spend their days out of the office, meeting potential clients, pitching and preparing exciting campaign proposals for more blog advertising campaigns. Our Media Sales Nuffies are typically extroverts and confident in public speaking.

2) Ad Ops

Our Ad Ops Nuffies (Short for Ad Operations) are given the responsibility of servicing our clients and executing our blog advertising campaigns. Yes, that also means that these are the people in charge of deciding which ads to place on which blogs.

3) Blogger Liaison

If you love dealing with bloggers, you will love this job. Our Blogger Liaison Nuffies spend a lot of their time planning events for our Nuffnang community and liaising with bloggers on any campaign or events that we manage to get our Nuffnangers invited to. Blogger Liaison Nuffies are typically bloggers themselves and love planning events and parties.

5) Software Engineer

In every web company, there are the Techies that build, maintain and develop new features for their site. If you are a programmer who has excellent PHP/MySQL and Javascript skills and love toying around with Ajax to build Web 2.0 applications, this is the role for you.

6) Web Designer

Our web designers do everything from the design of new parts of our website to designing creatives for clients. If you are good at CSS and Adobe Flash then this is the perfect role for you. Knowledge of Action Script is a bonus.

To apply you can contact them at:

Philippines Office

Unit 2E03-2E05 Bldg. 5,
Bonifacio High Street,
Bonifacio Global City, Taguig City
Philippines
Office No : +632 856 7688
Fax No : +632 856 1439
Website : http://www.nuffnang.com.ph/career/

You want bake a cake for business purposes but you don't know how to start. Chocolate cakes are very common and you want something different.
Why not try Carrot cake with cram cheese frosting. It's delicious and nutritious since it's main ingredient is carrots. Carrots are rich in Vitamin A which is good for your eyesight.

Carrot Cake never goes out of style. One bite will tell you why. This rich and moist spice cake, full of grated carrot and toasted nuts, has great flavor, especially when covered with a cream cheese frosting. The interesting part is that while those pretty orange flecks of grated carrot give the cake color and texture, along with sweetness and moisture, its flavor is almost indistinguishable.Here is a recipe on how to make Carrot cake with cream cheese frosting:

Carrot Cake Recipe:

1 cup (100 grams) pecans or walnuts, toasted and coarsely chopped

3/4 pound (340 grams) raw carrots (about 2 1/2 cups finely grated)

2 cups (280 grams) all-purpose flour

1 teaspoon baking soda

1 1/2 teaspoons baking powder

1/2 teaspoon salt

1 1/2 teaspoons ground cinnamon

4 large eggs

1 1/2 cups (300 grams) granulated white sugar

1 cup (240 ml) safflower, vegetable or canola oil

2 teaspoons pure vanilla extract

Note: For a moister carrot cake, add 1/2 cup of crushed pineapple (well drained) or applesauce to the batter when you add the oil and vanilla extract. You may have to bake the cake a few minutes longer.

Note: This cake can be baked in a 9 x 13 x 2 inch (23 x 33 x 5 cm) pan. Just increase the baking time to between 30 to 40 minutes.

Cream Cheese Frosting:

1/4 cup (57 grams) unsalted butter, room temperature

8 ounces (227 grams) cream cheese, room temperature

2 cups (230 grams) confectioners (powdered or icing) sugar, sifted

1 teaspoon (4 grams) pure vanilla extract

finely grated lemon zest of one lemon

Garnish: (Optional)

1 cup (100 grams) toasted and finely chopped walnuts or pecans

Marzipan Carrots

PROCEDURE: Preheat oven to 350 degrees F (180 degrees C) and place rack in center of oven. Butter or spray two - 9 x 2 inch (23 x 5 cm) cake pans and line the bottoms of the pans with a circle of parchment paper.

Toast the pecans or walnuts for about 8 minutes or until lightly browned and fragrant. Let cool and then chop coarsely.

Peel and finely grate the carrots. Set aside.

In a separate bowl whisk together the flour, baking soda, baking powder, salt, and ground cinnamon. Set aside.

In bowl of electric mixer (or with a hand mixer), beat the eggs until frothy (about 1 minute). Gradually add the sugar and beat until the batter is thick and light colored (about 3 - 4 minutes). Add the oil in a steady stream and then beat in the vanilla extract. Add the flour mixture and beat just until incorporated. With a large rubber spatula fold in the grated carrots and chopped nuts. Evenly divide the batter between the two prepared pans and bake 25 to 30 minutes or until a toothpick inserted in the center comes out clean.

Remove from oven and let cool on a wire rack. After about 5 -10 minutes invert the cakes onto the wire rack, remove the pans and parchment paper, and then cool completely before frosting.

To assemble: place one cake layer, top side down, onto your serving plate. Spread with about one third of the frosting. Gently place the other cake, top of cake facing down, onto the frosting, and spread the rest of the frosting over the top and sides of the cake. If desired, press toasted and finely chopped nuts on the sides of the cake and decorate the top of the cake with marzipan carrots. Cover and refrigerate any leftovers.

Serves 10 - 12.

Frosting:

In bowl of electric mixer (or with a hand mixer), beat the cream cheese and butter, on low speed, just until blended with no lumps. Gradually add the sifted powdered sugar and beat, on low speed, until fully incorporated and smooth. Beat in the vanilla extract, and lemon zest.

So there you go.... your very own Carrot cake with cream cheese frosting. Start first by selling to your neighbors and let the word of mouth do the trick. Don't be afraid to commit mistakes.Trial and error is important for your Carrot cake business to succeed.

Welcome back! This is a continuation of my article about creating wealth through Passive income. So without further ado let's move to the next method:

MUTUAL FUNDS:

This is what you call money from paper. You collect specific pieces of paper and then let your money grow through interest (much higher than a bank). Mutual funds are paper assets. It is like saving in a bank but the difference is you get higher yield and you can diversify your funds.
You don't have to be afraid and ask if mutual funds are for the rich. Hell no! In fact, Mutual funds are created for people who have limited funds and savings. It just that the rich took advantage of this because of their early awareness. Why should the rich enjoy all the fun... when you can be a part of it too.

You can start investing in Mutual funds for as low as Php 5,000. Every month save money from your salary and start you Mutual funds passive income. There are lot of Mutual fund companies out there that are eager to help you grow your money. Just remember to check on the background of the company first before you invest.

There are a lot of various Mutual funds options. There is balanced funds, equity funds, peso funds, dollars funds, even euro funds.
Mutual funds is a very good addition to your Passive income streams. This is another method where you let your hard earned money work for you.

STOCK MARKET:

Stocks? Is that gambling? The Stock market has gained a negative impact to the common people because of the market crash and the economy crises. But mind you, it is not only the Stock market that is affected by the crisis.... it's affects all. So the answer to the question is Stock market considered gambling..... if you're not careful you can say it's gambling. But if your well prepared, studied the strengths and weaknesses, and you got a mentor who is into Stocks then it is not gambling.

Stock market is not gambling, it is a science. There is a proven method on how you can truly earned from it. The technique here is you should not be afraid even if the market is crashing. Don't pull your investments out, in fact buy more stocks that is in financial difficulty. Be patient... one of this days your time will come where your eggs (investments) will hatch and you will reap all the rewards.

If you know the method of investing in Stock market this could be another tool of gaining more access to financial freedom.

MONEY FROM THE INTERNET:

Welcome to the future! This is where people will earn their money a few years from now. In fact, there are a lot of Filipinos that are earning from it today. They create websites or blogs and gained profits from advertisers like Google. They get paid in dollars.
Others promote their business through the internet and gained more customers and higher sales not just locally but globally. If you have a business and want to attract more customers/clients from the internet you can log to this website http://pinoybusinessbooster.blogspot.com/

If your fast in typing you can apply as a Virtual assistant and get outsource work from abroad and earn dollars. If you get 1-2 clients a month this could replace your daily job and you can finally work at home and spend more time with your family.
How about an online shop like Ebay, Amazon, or even Divisoria.com........ You can sell your old materials that you don't need and put up your own garage sale... only your customers are online and they buy your stuff from your website.

There are a lot of ways from earning from the internet and the ones that I mention are only a few. People nowadays are relying on technology.... the internet is one if them. Everybody goes online and a lot of people are taking advantage of this phenomenon. Will you let this opportunity pass by? Who knows, your idea could make you the next big time millionaire.

If you want to create a passive income from the internet where you can spend just 4 hours every week you can reach me at:

If you look at this picture it is asking you what will you do with your extra time if your passive income streams supplied all your family financial needs. There are a lot of things that will come to your mind like a long vacation where you can travel with your family on a paradise that you've been dreaming to visit once you had the time.
Or just simply hang-out with your wife, kids, friends, special someone all the time you want and let your passive income stream do the work for you.

So what is passive income? Passive income is a type of earning where it does not require direct involvement from you (owner/merchant). In other words your money does all the work which will free up your valuable time. This is a lot better from an active (earned) income where you normally work from 9-5 during the day, 5 days a week.

My advice to you, keep your job just to bring food on the table but start creating your passive income streams. It doesn't have to be huge.... start small and build more as you move along. In time your passive income will grow until you have the luxury to let go of your job, let your money work for you and spend your time to relax and have fun.

Do you want to have your own passive income? There are a lot of methods to do it. You can start with one.... one that your familiar with then move on to the next one once it is established.
Let's begin with the most familiar one.

BUSINESS:

This is always the advice of the experts, if you want to create wealth go into business. Employment is a good start just to satisfy your daily needs but is not enough. Business on the other hand will make your money grow.... maybe double to what you are earning.
The good thing about business is you don't have to leave your job giving you an extra income stream that will generate more income for you. You have income from your salary plus you get your earnings from your business.

Just remember to look after your business and be "hands-on" whenever you had the time. Hire someone that is trustworthy and reliable.
Ask around to some successful entrepreneurs and find what made their business prosperous. Research and attend seminars if you must. You can start at home and make your hobby or passion of yours into a money making machine.
This method is the most tried and proven one. If you have the an extra time during week-ends or a house-wife that has nothing to do I advice you should start with this method first.

REAL ESTATE:

Normally people will back away from this method knowing it requires an obscene amount of money to set it up. But you don't need to be an Ayala or an Henry Sy just to buy a property. Just remember the basics.... always start small. If you're an employee you can use your Pag-Ibig plan to avail an housing loan. Once Pag-Ibig has given you the funds acquire a house in the vicinity of the low-cost housing project (normally they are located in Cavite or Fairview). Don't worry about the monthly payments, get someone to rent your property and let your earnings pay the amortization.

This is where your money will work for you and your passive income comes in. You don't need to spend, work and give to much attention to it. In time your Pag-ibig loan will be fully paid and you will still get the benefits from the rental earnings plus you have an additional property (I assume you have a primary house).
Once you complete the Pag-ibig payments you can apply for another housing loan and add more earnings and properties. You can even ask small banks and lending institutions about housing loan and you can speed up your housing rental project by acquiring two properties at the same time. This is risky though and I suggest you start first with one unless you have somebody who is an expert in the real estate industry.

So there, that's all for now. Look up for my next blog "Create wealth through Passive income 2" for additional passive income streams.
In the meantime concentrate first on the two methods that I gave you and start building your passive income.

Remember Work Smarter, Not Harder!!