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Skepticism for life insurance

| Financial Freedom, Insurance, Money Matters | April 29, 2015

life-insurance-hero

We often heard people saying negative things about life insurance. I myself as a Filipino grew up with the mindset that insurance is not important and always skeptic about the benefits it could give to an individual. Most Filipinos perhaps have the same mentality that’s why many do not invest time and money in life insurance rather would prefer saving their hard earned money in banks to earn interest which by the way only 0.5% at most. For many, saving in the banks is one of the most secure and effective way hoping that when the time comes their saved money would have grown to give security and protection for themselves and to the people whom they treasure.

Skepticism or having a skeptical attitude is good in some way or scenario since it gives you the ability to doubt and start to question which leads to answer. But being skeptic forever without seeking for probable answer especially about life insurance will cost more that will hurt financial needs in the long run. The lack of answer to educate and gain financial literacy limits the individual from knowing on what is the right approach which probably the reason why many Filipino neglect the idea of being insured or having the insurance they need to secure their future. Some common doubts about life insurance that keeps Filipinos away from getting insurance protection are:

It is just a waste of money

Many believe that insurance is just a monthly expense that doesn’t give anything. Insurance only becomes a waste of money ONLY IF no proper orientation about the different types of plans is selected. Choosing the right insurance based on the individual’s needs is the key to avoid inappropriate payment of premiums that is not required. Determining the need before engaging is important since you can identify which is suited to the person being insured. You don’t need a plan that will cover you with millions of protection if you only have limited budget to pay for the premium. The end result could be terminating the plan prematurely due to lack of budget to supplement the premium thus incurring insurance at loss. It is like taking too many foods that is hard to swallow thus ending up into waste.

Nowadays, insurance companies uses a different approach that is need-based driven to offer life protection plus the addition of investment known as Variable Life Insurance. Its flexibility is so attractive which can be adjusted according to the individuals future needs and capacity thus making it more convenient to almost everyone.

Insurance companies is not secure and safe

There are a number of insurance companies in the Philippines and based on the 2013 Life Insurance Companies ranking, there are a total of 30 listed but of course others are not accounted on the list. It’s true that in some instance insurance companies closed due to mismanagement and lack of financial capability to sustain the drastic changes in economy. I myself was a victim of such situations where the insurance company – Permanent Plans closed after it filed for a corporate rehabilitation or should we say bankruptcy.

Nevertheless, not all insurance companies are the same. Some of them already had gone through tough times and proved that they can stand the test of time on whatever the situation may be. Some companies for example already survived World War 2, People Power Revolution in 1986, endured several economic crisis globally and locally. Yet, they still exist to serve the needs of every Filipino.

To clear doubts and have the feeling of confidence with insurance companies, one must do some research. The quickest way to determine if the company is stable, reliable and trustworthy is by simply checking the insurance commission website at www.insurance.gov.ph. As recommended, it is best to look for the top five (5) best performing company and narrow it down by choosing which one is more appropriate based on the needs.

I have sufficient income or my business is doing well

Having regular income from salary or a business that provide a constant inflow stream of money is sometimes also the reason why Filipinos are not investing in insurance. This negate the other reason where the lack of budget is what pushing them out to get one. The reason behind is having the constant stream of money gives them the comfort and confidence that they don’t need any insurance for future needs considering that they have the source which for them is more than enough.

Being comfortable at something especially for work or business is dangerous. Remember that nothing last forever. Your work may be giving you all the perks and benefits including high salaries today but you can never tell tomorrow. Same with businesses. Even how stable the business you have, don’t’ expect that it would last. There is no exception. There will come a time where business couldn’t keep up with the change and worst case could end up collapsing.

The best approach while you have other sources of income or you still have a stable job, is to use your excess money to diversify. Learn the different investment opportunity and make room to understand life insurance which is the foundation for future protection.

There are still many reason which others can share aside from the mentioned list and some might be able to argue about it. Nevertheless, the main idea can simply be answered with right education to gain financial literacy and better yet consult a qualified financial planner or adviser to ask for guidance.

 

Photo Credit: cfmins.com


About the Author:

Harold Candelaria is a technology consultant working in a corporate IT service provider company. At the same time a financial advisor and the founder of Klikdito.ph. He’s a tech-savvy and at has interest in different financial investments and instruments.

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How to Avoid Debit & Credit Card Fraud in the Philippines

| Articles, Financial Freedom, Internet, Money Matters, MoneyMax | April 27, 2015

 

AvoidCreditCardFraud

Debit and credit cards are a convenient way to manage your regular finances, but they’re not without their risks. And we’re not just talking about what happens when a card is left in the hands of an undisciplined spender.

With an ever-expanding repertoire of technology at their disposal, criminals can now use any number of methods to steal your card information and commit fraud. To protect yourself from being cheated out of your hard-earned cash, you should take the following precautions before you pay for anything with plastic:

Never take your eyes off your card

When you’re standing at the cashier and itching to pay for your items in a hurry, it can be easy for your attention to be turned elsewhere. This would be the perfect opportunity for someone to either steal or “double-swipe” your card, costing you thousands of pesos in the process.

To prevent this, keep a close eye on both your card and the cashier handling it. Know where you store your card at all times. Make sure you sign the back of the card; otherwise, anyone who steals it can simply place their own signature on the card for fake transactions.

Check the hardware for skimmers

One common method fraudsters use to steal your card details is to attach a “skimmer” to the machine swiping your card. Skimmers are devices used to record sensitive information, such as your credit card’s magnetic strip data or PIN. These devices may be installed on legitimate machines (like ATMs), or attached to swipers at business establishments.

Before you surrender your card for a purchase, inspect the machine for any telltale signs of tampering. These may include glue stains, scuff marks, and ill-fitting or loose parts.

Keep track of your passwords and receipts

If you have trouble remembering your card’s PIN, never write it down! Memorize your PIN and cover your hands whenever you enter your keycode into a machine. And avoid using easy-to-guess passwords like your birthday or “1234.”

Whenever you make a purchase, always make sure you get the receipt. Once you do, shred or tear it to pieces before you throw it away. A hacker can use your receipt to collect data like your name, bank, or card number.

Keep track of your monthly card statements

Every month, your bank sends you a billing statement that logs every purchase you’ve made with your credit card in the last few weeks. Aside from reminding you of your total card balance, this monthly bill can also help you spot any suspicious transactions.

If your statement contains a purchase you don’t recognize, contact your bank immediately. Someone may have hacked into your account and used it to make illegal purchases in your name. Upon receiving your billing statement, store it in a safe place to prevent thieves from using it to hack your account.

Keep track of cards arriving by mail

If you are expecting a new or reissued credit card in the mail, make sure your bank notifies you on when it’s supposed to arrive. Another popular method thieves use is to intercept pre-approved cards in the post, allowing them to make purchases even if the card never reaches its intended owner. If your card does not arrive as scheduled, call your bank to prevent any fraudulent transactions just in case.

Shop only from trustworthy merchants

A small corner store that accepts credit cards may be convenient, but it can also put you at higher risk for identity theft. Never give out your card details to random people, and stay alert whenever you charge a purchase in a restaurant or overseas. Stick to a reputable financial products provider for sensitive transactions, and only patronize stores with robust security measures in place.

Take great care online

Fraudsters can also steal your card information whenever you go on the internet. One tactic you should always look out for is “phishing,” wherein a fraudulent website or e-mail imitates the appearance of a legitimate service (like your bank or favorite online store) and demands your personal information. Never respond to any unprompted e-mails that ask for your credit card number and other sensitive info.

When shopping online, stick to reputable merchants with secure website controls. How can you tell if a website if secure? One clue is the URL: it must contain “https” (instead of just “http”) at the beginning, which means the website is encrypted with an added security protocol. Most internet browsers will also display a padlock icon on the address bar, showing the website is secure.

With a total of 7 million cardholders nationwide as of March 2015, the Philippines still falls behind other Asian nations in terms of credit card usage. But average Filipinos need not be afraid as long as they exercise all of the proper safety measures when using their cards. By wielding that plastic responsibly, you too can shop and spend without worry.

 


About the Author:

Jeff Lizardo is a marketing associate for MoneyMax.PH, the Philippines’ leading financial comparison site where you can save money by comparing financial and car insurance products and services – fast, comprehensive, and free. He’s a writer, an entrepreneur and a music enthusiast. Follow him @JeffersonLizard.

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Top 5 deleted, banned or SPAM ads in Klikdito.ph

| Articles, Buy and Sell, Klikdito | April 2, 2015

klikdito_nono

In our bid to make our website clean, we listed down our top 5 annoying ads which are either not allowed or just simply a SPAM and some contains untrustworthy information. Here are the list;

5. Wanted Nanny and Maids Ads

From time-to-time, we see and delete ads that pertains to foreigners looking for nanny or maids. The ad tries to introduce their family first then start to showcase their dreams and aspirations if you become one of the nanny of their kids. They provide contact details but by doing research in the internet, this type of ads are very rampant from other countries and websites which contains the same information. It is like created by bots and has a malicious intent to “possibly” draw out money from the victims if they fall into their traps.

4. Massage and Escort Services Ads

Though our site allows services which we believe other business is credible enough, there were several attempt where it is being used to promote nudity or sexuality by posting escort services as part of their massage offerings. The ads are normally showing pictures of young women that seems to be tempting users. This type of ads are is in violation of our terms thus the team keeps on removing and it is being judge based on message content and its intention.

3. Iphone Unlock Ads

One of the most malicious ad that is categorized as SCAM which was removed for several times. Nevertheless, this ads are still coming (at random times) and is not easily distinguishable unless you open the ad and check its ad patterns. It is posted from different country, their ad content shows a very attractive listing of prices of different Iphones or gadgets and at the bottom part is the skype and payment options which normally through untraceable payment gateways. As what we keep on reminding our fellow klikers, be vigilant and if the ad is too good to be true then it is sign that it is untrustworthy and NEVER, NEVER, NEVER transact with people outside the country!

2. Fifa Coins Ads

The “FIFA coin” ads is the most difficult to filter. Their ads are simply mutating from different users and comes from different sources which we believe are created by bots. They normally contains malicious links that direct to other websites though the team have never attempted to click for verification for security purposes. The team are still doing its best to filter this type of ads but still has little success due to its mutation capability.

1. Malabanan Siphoning Ads

This ads are the most annoying from them all! It comes from specific people or users who do not understand the concept of SPAM. These users are not considered as bots since they are legitimate one who simply do not follow our terms even being notified several times. Their ads are repetitive and does not comply with terms of use for the website which consume higher resources that degrades performance of the website. Similar to DDOS (Distributed Denial of Service) in IT concept, their continuous injection of ads of similar content makes server processes overwhelming to accommodate that slows down and sometimes makes the website inaccessible for a time period.

By banning their accounts, emails, IPs and implementing keywords filtering the team are slowly reducing their volume of ads which we hope will be forever gone to make Klikdito.ph browsing experience more efficient and productive.

 

Don’t forget to like us on FB: www.facebook.com/klikd2
Follow us on Twitter: @klikd2

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The Amazing Journey of the Pinoy Online Consumer

| Articles, Internet, MoneyMax, Tech blog Philippines | March 30, 2015

I remember the first time I tried the Internet. I was at an Internet café along Taft around noon, an electric fan whirred and turned and kept the computers and the patrons cool. That was back in 1999 and I was in second year high school and I have an assignment that was to be sent via e-mail.

I had to learn how to use the Internet on my own. I glimpsed at the screen beside me. Two girls were using the computer beside me. I acted cool, but really, I knew jack shit. The attendant probably saw me doing nothing so he opened Internet Explorer (which died its natural death very recently, so I heard) for me and went back to printing stuff. I snuck another glimpse at the screen beside me and saw them going to Yahoo! so that’s what I did too. Up to this day, I still use the Yahoo! email address I made that day.

That was a long time ago but I couldn’t have sent that homework via e-mail that day if the Internet never reached the Philippines. It was just a few years before that, in 1995, when commercial ISPs like Globe Telecom’s G-Net and iPhil Communications were established and now 20 years later, there are now several broadband providers to choose from. Although admittedly, the Philippines has a lot of catching up to do when it comes to Internet speed compared to other countries.

Around 20 years ago too, Amazon.com was also established in the U.S. The undisputed king of online commerce started out as an online bookstore and then 20 years later (2014), it raked in $89 billion in annual revenues and has grown to be a company of 154,000 people strong.

E-Commerce in the Philippines in the 2000s

Cart with Logo1999 was also the time when the world went crazy worrying about the Y2K bug. We spent billions to make sure that this supposed “bug” didn’t do any real damage to our computer systems and of course it was a dud. But the 2000s was a great time for the Internet. The start of the aughts was also marked by the dotcom bust, which thinned the herd of startups hoping to make a buck in the online commerce space.

Here in the Philippines, people were crazy over Nokia phones in the early 2000s. Text messaging was a big thing back then and people accessed the web by going to an Internet café much like I did when I needed to send that homework.

When you said “e-commerce” during that time, it usually meant a big company that sold something online like Amazon does in the U.S. and we did have that in the form of Ebay Philippines. But soon, small sellers also wanted to get in the game and that’s where sites like Multiply Philippines came in. The now defunct Multiply Philippines was a platform used by many online sellers. It featured photo albums that served as virtual racks that make it easy for Internet users to browse products.

There was also Friendster back then and everyone went crazy trading testimonials. But then Facebook came along with its social games like Mafia Wars and Farmtown and then everyone started an exodus towards this new social media network.

Growth of E-Commerce in the Philippines

And now, five years after the end of the 2000s, we’re seeing quite a lot of growth in the e-commerce scene. In fact, the Philippines and Thailand have the highest e-commerce growth in the ASEAN region according to a 2014 UBS Securities report. What helped boost e-commerce in the country is the increase in smartphone penetration, which grew three-fold in 2012 alone.

When daily deal websites like Groupon became popular in the U.S., there were also several businesses here in the Philippines that copied the business model. Ensogo, CashCashPinoy, and MetroDeal to name a few.

Choices Everywhere

Pinoy consumers are basically spoilt for choice when it comes to online shopping. It wasn’t always like that. Consumers before the popularity of e-commerce sites and review blogs are simply compelled to buy products that they recognize the most. Old school marketing techniques bombard us with the brand names, logos and how much each of them is better than brand-x.

Now, it’s easy to know how good a product is before making your own purchase. A lot of people today rely on user reviews, blog features and a number of comparison websites. They can now scrutinize details about anything from fashion accessories to the latest gadgets. Now it’s easier to find the better tasting wine, the more comfortable chair or even switch to a cheaper car insurance with just a quick search over the internet.

Where Are We Headed

Pinoy netizens are not limited to just buying stuff on the Internet, they’re also selling! This website, KlikDito.Ph, is one example of a site that has made it easy for ordinary Pinoys like you and me to post a classified ad to start selling services. Online sellers can post anything from gadgets, to music players, to appliances and real estate.

Facebook, the top social network in the country, has also been used by small businesses as their own storefront. You probably follow quite a few of these small online shops and see their posts pop-up on your news feed.

Without a doubt, as mobile devices like tablets and smartphones become cheaper along with Internet access to these devices, we’ll continue to see the growth in online commerce here in the Philippines. However, authorities need to address the roadblocks that hamper the development of an IT infrastructure in the country, particularly our poor Internet speeds which are far behind many of our Asian neighbors. (I’m looking at you, South Korea, with your average Internet speed of 25 Mbps.)

 

This post is brought to you by:

moneymax

 

 

MoneyMax.ph is the Philippines’ leading financial comparison site where you can save money by comparing financial and car insurance products and services – fast, comprehensive, and free. We aim to give the power of smart purchase decisions back to Filipino consumers by providing everything they need to become financially savvy. Like us on Facebook to get the latest tips on how to save.

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Treat internet as your ally

| Internet | April 17, 2014

the-power-of-the-internetThe power of information age is drastically changing the way we live. Thanks to the “World Wide Web” known as the internet. What is internet anyway? According to wikipedia.org, internet is a global system of interconnected computer networks that use the standard Internet protocol suite (TCP/IP) to serve several billion users worldwide. It is a network of networks that consists of millions of private, public, academic, business, and government networks, of local to global scope, that are linked by a broad array of electronic, wireless and optical networking technologies. In other words, it is an invisible link that connects each and every one of us in today’s digital age.

Sometimes during the 1990’s when internet is on its infancy stage, the technology is not for everyone’s use. There are only few users back then but that numbers has increased multiple folds which according to internetworldstatistics.com, the estimated internet users as of 2012 is 2.4 billion. That’s a huge number.

The inventor of Ethernet Robert Metcalfe, founder of 3com did not anticipate the public appreciation and its potential growth where he even predicted that it will collapse in 1996. “I predict the Internet will soon go spectacularly supernova and in 1996 catastrophically collapse.” which is the exact words that was published in the 1995 InfoWorld column. And; in 1999 he admitted how silly his prediction about internet during the Sixth International WWW Conference. His predictions made it as one of the worst tech predictions of all time spoken by the inventor itself.

As for me, my first recollection of the internet is way back in 2001. Seeing a 56K modem at school and hearing its dialing sound amazed me a lot. I was so curious and even dreamed of having one for personal use. But of course, setting-up one would be useless if you don’t have any computer in the first place for use.  So I settled down by being contented with what our computer lab being offered – free internet access for educational research. That 56K modem is the fastest during that time. It was the era of AOL, Netscape and yahoo as the leading internet sites. Though, during that period my patience is always tested every time I use the internet and I think almost everyone feels the same same. As I remember, the average wait time for a website to load is about 30 seconds. Today, it’s almost like real-time. No more waiting – goodbye 56K modem. Internet has evolved tremendously with the help of its surrounding new technologies. It enables us surf the web faster, easier and efficiently.

So, how can we utilize the power of the internet? That’s a vague question to ask since the internet has immense possibilities for use. The question is will it be used for good or bad? Well, that depends on who the user is. But let’s delve only on the good things and crap those bad concepts. Ready? Imagine the 2.4 billion users surfing the web and convert it into a one peso coin. You got it right! That’s equivalent to 2.4 billion pesos. If you can target even only the 1% of that 2.4 billion users, that’s roughly 24 million possible reach. If you have a business that you wish to market, treat internet as your ally and a friend. Utilize its capability. Of course you will not capture all markets but getting a fraction of those possible customers will surely catapult your business. Have you ever wondered why Facebook, Google, Twitter and the rest of social networking sites making their billions? That’s because they know how to utilize the internet and use it as their stepping platform for their business.

So what are you waiting for? Post that business of yours in the internet. You can start small and try the brick and mortar business. Consult any tech savvy individuals or use forum and group sites to assist you and for sure, out of those 2.4 billion users there’s always someone willing to help. Use Facebook and other social networking pages. Create a page from many online tools offering free platform for advertising. There are a lot of resources you can tap and the potential is unlimited. All you need to do is to take that first step and start.

Remember, the internet is not showing any signs of slowing down. It will continue to shape our future. Use it wisely for good and you’ll reap the benefits out of it.

Like us on FB: www.facebook.com/klikd2
Follow us on Twitter: @klikd2

 


About the Author:

Harold Candelaria is a technology consultant in Hewlett-Packard Philippines and one of the founder of Klikdito.ph. He’s a tech-savvy and at the same time have interest in different financial investment and instrument.

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Why use online buying and selling websites with cautions?

| Internet | November 18, 2013

The internet is a gateway to so many good to great things. It became the source of information that is accessible 24/7 and is consumed globally. It is used as a portal with multi-level usage varying from corporates, governments, individuals, organizations and the list goes on.

The boom of the e-commerce industry also paves the way of many classified ads websites. E-bay for example started in the 90’s – 1995 to be specific, and since then it grew as a multi-billion dollar company that span to several countries. There are also many other companies that followed in the dot-com age. Here in the Philippines, the major industry leader in classified ads especially in the online buying and selling industry is Sulit.com.ph that started in 2006. It is followed by Ayosdito.ph that was launched in 2009. Of course, there are many others out there operating as substitutes and that includes Klikdito.ph.

internet_fraud
Photo Credit: www.onlinefraudcenter.wordpress.com

With so many online classified ad operators providing easy portals to corporate and individuals in promoting their ads, there’s no doubt that other people with malicious intent will always find ways to utilize this type of portals. Even how stringent the filtering and security features each website applies, they can still create ways to carry-out their bad intentions.  And, in reality these scammers have just become more creative and continuously learning overtime as the internet grew. They are also expanding their knowledgebase through the use of different tactics and strategy to manipulate the web and users. They are getting more sophisticated and sometimes difficult to distinguish from the credible ones. Imagine that, they are lurking online waiting for someone to be victimized.

One question is what are we going to do to protect and secure ourselves as buyers against it? Well, as a personal point-of-view the answer is within us. Awareness and educating ourselves in identifying the signs which are visibly and commonly used by people with bad intentions is the first thing to do. You might be asking, how will you identify if you don’t know what are the signs? Google! By simply doing a search in the internet will yield many results on what are the common scams used. Most likely, you will also find ways to identify and on how to prevent from being scammed online based from other people’s experience written through blogs, forums, videos, news report and many other social networking sites. For sure, each classified ad website also has some information and precautionary note indicated on their site which can serve as a guide to avoid being tricked by others.

Yet, with all the cautionary information around, everyday there still a lot of people fall from scammers trick even the intelligent person. It is not because buyers are stupid but rather they lack understanding and their emotions sometimes shadow their way of thinking. When buyers were presented with flowery words and extremely beautiful things they tend to get excited and forget everything. Especially if the thing they wanted to buy online are the things that they desire most. This is a very dangerous attitude which sometimes only realized once they already made mistakes at the end. Overcoming emotions is indeed not easy but it is one way to avoid being scammed.

Be on the constant lookout and do research before diving in buying something online especially if it cost more than what you can’t afford to lose. If things sound too good to be true… it is a SCAM. It is already proven.

Transact intelligently and not emotionally.

For more info and related topics on how to prevent scam, visit our blog page.
Don’t forget to like us on FB: www.facebook.com/klikd2
Follow us on twitter: @klikd2

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Klikdito.ph small sponsorship to e-Kiddie Kit Project

| Klikdito, News and Updates | October 25, 2013

IMG_8387 IMG_8390

Last October 5, 2013, Team Evolve of the University of the Philippines Technology Management Center (UPTMC) successfully launched their E-kiddie Kit Tablet Donation Program to Efren Penaflorida’s Dynamic Teen Company (DTC) in Kawit, Cavite City. The donation program was part of their project plan that was facilitated by a group of students under their TM 291 (Management of Technology Projects and Programs) class.  The project aims to provide learning experience through the use of educational tablets as electronic teaching aids to less fortunate kids.

With the guidance of Professor Glen Imbang of UP TMC faculty and the use of Technology Management Project Planning strategy, the donation program was delivered smoothly by giving five (5) Enlight KiddieTab procured from Lifeware Technology Inc. It was handed over to Dynamic Teen Company through Efren Penaflorida’s assistant Michelle Cataulin and volunteer teachers Audrey Reyes and Angel Neri .

In attendance during the project launch were students of DTC, volunteer teachers, members of the Evolve project team, Professor Glen Imbang and representatives from the tablet supplier Lifeware Technology Inc. The donation program includes demonstration of the use of the KiddieTab and integration of the tablet in the lessons.

Klikdito.ph Team is proud to say that we’ve taken part of the project by providing a small support and sponsorship along with other sponsors namely Lifeware, Openjobs Philippines and UP TMC team Evolve.

Links to the e-Kiddie Kit project and Dynamic Teen Company are listed below;
www.facebook.com/ekiddiekit
www.facebook.com/DTC.MAD

 

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SME Internet Gateway project for the Filipinos

| Articles, Tech blog Philippines | September 5, 2013

iptables-philippinesWe Filipinos are known for our creativity especially in times of disparate need. We improvise, we live – this is how we are built for. We inherit diverse culture that shapes our personality as people of the Philippines. The adoration is no different in the field of Information Technology. We all know that working in a small to medium size businesses it is notable that the priority of good IT infrastructure is sometimes neglected due to numerous reasons such as deficiency of budget, limited understanding of the business needs and the absence of technical personnel.
This how-to conveys and apply the model into the implementation of IT infrastructure for SME. IT professionals exists today understand the fact that mind-blowing infrastructure comes with a huge price. Hardware, Software, IT professionals and experts are just few contributions to the implementation and operating cost. However implementation and operating cost using Linux only requires merely an IT professional or aficionado who can translate ideas into reality. With the open source tools and software available, technical know-how, the uses of Google, someone who can connect the dots, knows and understands what he’s doing – you are in business with less IT expenditure. Now let’s get down to the technical aspect of this project.

Before going to the Software Configuration Steps, let me point out that there’s a little than nothing prerequisites needed to be able to successfully implement this project on your own.

Prerequisites

  • An existing  ADSL/Leased Line connection to the Internet with at least 2 static public IP addresses
  • Basic knowledge and understanding of Linux Operating System
  • Able to configure Linux machine’s IP address
  • Basic knowledge of using the command line

Business Rule

Implement Linux gateway to middle the web server, sql server, mail server, web browsing proxy, internal users and the internet.

  • Make it so the Oracle/MSSQL/MYSQL server is behind the firewall and available only to internal users
  • Make it so the mail server and the web server is behind the firewall as well. Both accessible internally and externally or via the internet.


Hardware specifications

Option 1

HP ProLiant DL100 Series or any other entry level servers without Operating system installed.
Make the RAM at least 8GB

Note: Average Cost could be higher as PHP 60,000.00 as this is a server hardware

Option 2
Assemble a desktop grade computer system with high-end processing specifications and memory. An i5 or i7 Intel processor is a better candidate at least as of this writing.
Make the RAM at least 8GB
Must have at least 2 Network Card Interface having a 1 GB speed each.

Note: Average cost PHP 27,000.00

 

Software and Configurations

  • IPTables
  • Squid

IPtables is a netfilter.org project. To know more about iptables visit www.netfilter.org/

IPTables is really a front-end tool to manage NetFilter which is integrated within the Linux Kernel. It functions primarily at the OSI Lagers 3(Network/IP) and Layer 4 or Transport Layer which is TCP/UDP. Since Layer 3 is a Network layer, it focuses on Source and Destination Addresses. Layer 4 however focuses on Protocols. TCP/UDP ports use a 16-bit range of 0-65535. To understand more about how IPTables work, do some research and test it on your test environment.

To be continued…

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Linux is money

| Articles, Tech blog Philippines | July 27, 2013

linux is moneyLinux is money!

Back in the days where I woke up with Windows 95, Windows 98 and Windows NT, Linux is nothing until I heard it from System Administrators running our school IT infrastructure. With my curiosity of asking I learned that our school’s IT infrastructure is mostly run with Linux from Web server, Proxy server, Email server, and Dial-up server. Yes they have dial-up server running for external customers (mostly home users) and it’s all Linux. The nature of a dial-up server put me a lot of interest unfortunately I never had a bigger chance to delve with it.

To these days, it isn’t bad – my interest in learning Linux pays me off some cash on top of my regular job! I had been able to implement small projects like mail server, proxy server, DHCP server, samba server and a Linux router. These implementations were big challenge on me. The big question that came to my mind was how do I get support from the management? What if I fail? Fortunately to keep history short, things went well as planned.

Linux is money because a company can save so much from it short term or long term. The biggest implantation that I had so far was an email server. It was year 2007 back then. I invested on the hardware to run the open source software. It took my nose to bleed having the hardware cost signed by the Boss. You get the picture.

Here are the hardware and software specifications of my email server project.

Hardware:

  • Dell PowerEdge SC 1430 (default specifications build from Dell’s website)

Software:

  • Redhat Enterprise Linux 5 (with 3 years update and support)
  • Postfix
  • Davecot
  • OpenSSL
  • Postfixadmin
  • Mysql
  • Squirrelmail
  • Apache
  • IPtables

My setup supports POP3, POP3s, IMAP, IMAPs, and Webmail. I use IPtables to function as a firewall on the mail server box itself. During the plan the targeted total number of users was 200. After 3 years running, I changed the Operating system to CentOS 6.x to save from Redhat’s yearly subscription cost and I added additional RAM to the server to make it a total of 8GB from 4GB. No additional software cost this time, just an additional RAM to handle the increasing memory usage load of the server. How much do you think the company saves from software licensing? A company who heavily depends on email exchanges to do business and gain millions monthly, what a huge savings anyway.

To date, this email system has been running for 6 years and is expected to serve another six and more years from now . Investing on hardware pays off if you think business continuity and using Linux and open source software doesn’t require you to be an expert BUT you should know and understand what you’re doing.

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Don’t get fooled by common online scams

| Internet | June 25, 2013

Buy and sellThere are hundreds of common online scam scammers can do to victimize their target victim. I’m going to site few  common online scam example for now.

An email SCAM

The scammer collects email addresses that are publish in the internet and use it as their target victim.

What is a SCAM?

To simply put, it is a way to trick somebody to obtain money or other goods by dishonest means.

Few days ago I receive the below email on my yahoo account. Sounds familiar? Well if not I’m telling you right now that if you will receive this kind of email just delete it. Don’t get fooled by this email trick. No one on earth would just use random emails of people around the globe and raffle it to give a too good to be true kind of award? In the first place, they have already snooped the internet to get somebody’s email address.


Again, PLEASE DO NOT BELIEVE ON THIS KIND OF EMAIL.

 

Attention: Email Account Holder,

Congratulations!!

This is to inform you that your E-mail Address was selected on the 11th of June 2013 as one of the six lucky winner in Uk Lotto Mega Jackpot…of 1,000,000.00 GBP(One Million Pound Sterling)and The Draw No:1593. Send your Names:Address:Country:Sex:Age &Tel.Contact.

Published by the US Federal Trade Commission (FTC)

 

Phishing Scams

What is phishing scam?

Phishing is a very common type of scam in the internet which the attacker or scammer sends an email claiming to be from a legitimate eCommerce provider, Banks and or financial institutions. The email often uses fear campaigns to attract the intended victim into visiting a fake website. The victim thinks they are logging into their real account, but instead everything they enter on the fake site is being sent to the scammers.

This is how it’s going to happen. When the target victim visited the website, which normally has the same looks and feels as the valid eCommerce and or banking website, the victim is instructed to login to his or her account and enter sensitive financial information such as their Social Security number, bank PIN number, mother’s maiden name, security question and the like. This information is then secretly sent to the attacker on the fly for whatever purpose. Scanners can use your credit card and bank information big time. Now you get the picture of an outright identity theft.

Don’t be a victim of this type of online scam. When you receive this type of email, call or contact your bank or financial institution and verify the information as soon as possible. Ask your bank to send the email again while you’re on the phone just to make things clear. Better safe than sorry.

 

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Things you can sell online

| Buy and Sell | June 8, 2013

sell-products-online

With so many e-shopping sites popping nowadays, you can clearly see a trend of what’s hot and what’s in based on the ads posted on each websites. Some of them offer specialized items and others simply offer a multitude of products from new to old, small to big, cheap to expensive, common to rare and everything imaginable. Almost all can be sold online. It is just a matter of time before a right buyer finds you. Below is a list of items or products which are mostly posted for selling online and sometimes creates a trend.

Clothing and Bags

Women with classy style and follows a trend of fashion would die to try new clothing especially if it is new to the market. Most of the time, buy and sell websites gives good deals through promos, discounts, coupons and other bargains that catches the eyes of women online shoppers and fashion enthusiast. Same is true with bags. Signature bags even if used as long as not worn-out is still sellable. Undeniably, the internet is also the home of many imitations for clothes and bags that are cheap. People may opt to buy but there’s always a consequence. You know what I mean.

Jewelry and Accessories

Jewelry is also a very good item that can be sold on the internet. Jewelry that is no longer used and is not in bad condition can be sold online at a reasonable price. Those with good value – not sentimental value, such as gold and other precious metals or gemstones can sell in huge amounts. But of course, once you sold it, you can never bring it back not unlike in pawn shop. Homemade accessories are also in for online shoppers especially those that are trendy looking. These items are mostly affordable and easy for transport without the hassle of breaking that makes the product good for online selling.

Toys and Collectibles

Toys and collectibles are also a hot item to sell online. It ranges to many items such as Barbie dolls, lego, key chains, figurines, cartoon character figures, toy cars, super hero magazines, game cards and anything that pertains to popular icons that people loves to collect for their own personal fulfillment. Some of these items becomes more in demand and viral once it goes on wide screen (for movies) like spiderman, superman, etc. Hot toys and collectibles as long as in good condition (used) can even be sold at a very hefty price once it gains more popularity. You may even try to auction it online to give you an idea on how much enthusiast would pay just to get your precious toys and collectible items. One thing for sure is, it will give the seller more bucks once sold online but will cost less than new one’s for buyers.

Electronics

Electronic gadget is no doubt the hottest of them. It has taken the internet by storm and seems not slowing down. Every new release of phones by different phone manufacturing giants creates a multitude of new posting online. Old models are being sold yet still many buyers are taking advantage of its price drop as compared to new ones. And no matter what model the gadget you’re selling, there’s always a buyer.

Cars

Most rich men and the not-so-rich men have in common. They loved cars. Even I, myself wants to have one to many. Cars are not considered an item but for the purpose of trend, I’ll add it to the list. Hot cars are posted on many online selling websites. Brand new and used are most sought on the internet by “to be” first-time car owner for transport purposes and even by car enthusiast for self-achievement. Nevertheless, cars are still one product that’s in for online selling.

Above list is just a few of the many categories of items being posted on the internet for sale and everyday it keeps on growing. As the internet becomes even faster, it will continue to change the lives of many people on the way they do buy and sell.

Just a word of caution to online shoppers, be wary for bogus and fake sellers who tries to take advantage on the internet. Visit our blog page on how to avoid scam.

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Free Classified ads Philippines and Buy and Sell

| Internet | April 6, 2013

Featured Ad

Advertise with us paid or FREE!

KlikDito.ph is a Free Classified Ads website in the Philippines. Our target market is presently residents in the Philippines who do buy and sell online.

KlikDito’s Free Classified Ads platform has been tailored to provide maximum exposure to our paid ads. We offer Featured Ad listing which is being highlighted and flagged with Featured blue ribbon. Paid or Featured ads will top in the Buy and Sell Category where it is being posted, and will also top in the site’s search result!

A separate tab for all Featured Ads is added in the front page and is sorted according to the date it was posted. Featured ads are randomly displayed in the sidebar of the website giving maximum visibility above the free classified ads posted.

 

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Now Hiring Companies in the Philippines

| Internet | January 25, 2013

openjobs_labelv5_fb

Now Hiring Companies in the Philippines.

Still seeking for a new job? Find it here! Find new job and new opportunities now. We have fresh listings weekly.

OpenJobs Philippines has a built in Apply for this Job Form. Each job listing includes a built-in “Apply for this Job” form so you can instantly upload your cover letter & resume (CV). Your application letter gets routed directly to the job poster or Company via email.

Apply Online now!

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Google formally announces Philippine office and yes, they’re hiring!

| Articles | January 25, 2013

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Article from InterAksyon.com The online news portal of TV5

MANILA, Philippines — After years of speculation and rumors, Google officially announced on Wednesday the opening of its Philippine representative office, also naming former Friendster executive Narciso Reyes as its first country manager.

Google Philippines will be the search giant’s fifth representative office in the Southeast Asian region, following consecutive establishment of bases in Malaysia, Thailand, and most recently Indonesia over the past several years, aside from its regional Singapore office. The Philippine office will reportedly be located in Makati.

With its local presence here now official, executives said Filipinos can expect Google to play a more significant role in the everyday lives of Filipinos, as well as in the development of local communities.

“We’re excited to be deepening our investment in the Philippines with the opening of our office here in Manila,” Reyes said. “Our local team will be committed to providing services to our Filipino users and to helping businesses — large and small — grow locally and globally, contributing to the growth of the Philippine economy.”

Google said it is currently hiring employees for its Manila office, with postings to be uploaded on its website in the coming days.

As earlier reported by InterAksyon.com, Google had started screening applicants for various Philippine positions early last year, with job postings for spokesperson, head of marketing, and country sales manager up for grabs.

In November, blogs reported the appointment of Reyes as the head of Philippine sales for Google, prompting speculations to once again fly about the company’s plans for its representative office here.

The Mountain View, California-based company had, in recent years, continually tapped local talent to sell its AdWords and other search advertising products to local companies and advertisers, industry watchers have said.

In the last few years, Google had paid particular attention to the local market as it launched YouTube Philippines in 2011 — the first of such localizations in Southeast Asia — as well as when it first launched its free mobile email and search service here, underscoring the potential of the Philippines as a key market for Google in the region.

“The Philippines is a key country in Southeast Asia in terms of its digital economy and tech-savvy population. This new office will allow us to better engage with our local users, partners, and advertisers,” said Julian Persaud, managing director at Google Southeast Asia.

Source:
www.interaksyon.com/infotech/google-formally-announces-philippine-office-and-yes-theyre-hiring

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BIR: We can go after Sulit, AyosDito and YOU for unregistered, untaxed online sales

| Articles | January 24, 2013

Article from InterAksyon.com The online news portal of TV5

MANILA – The Bureau of Internal Revenue (BIR) will hold operators of buy-and-sell websites liable for any entrepreneur who makes money online without first registering with the bureau and the Department of Trade and Industry (DTI).

“We will file cases against sellers who fail to issue receipts and pay taxes, but we will also file cases against the websites which provide such service,” BIR Commissioner Kim Jacinto-Henares said.

She said website operators engaged in buy and sell are similar to that of mall operators that allow entrepreneurs to lease a commercial space in their establishments.

Under Revenue Regulation 12-2011, “it shall be the primary responsibility of all owners or sub-lessors of commercial establishments/buildings/spaces to ensure that the person intending to lease their commercial space is a BIR-registered taxpayer.”

“In the same way, if you operate a buy and sell website, you have to make sure that your members or subscribers are registered with us. These websites have to make sure that the sellers are issuing receipts, otherwise, they will also be held responsible,” Henares said.

Therefore, operators of websites that failed to verify the BIR registration of its member-entrepreneurs can be jointly sued for tax evasion along with the unregistered tenant.

“It’s just a matter of them following what the law provides, and us implementing what the law states,” Henares said.

Online traders and sellers usually conduct their transactions through buy-and-sell websites such as sulit.com.ph, ayosdito.ph, ensogo.com and ebay.ph.

“Their businesses should be registered to us, and they should be paying the corresponding taxes. Otherwise, we will run after them,” Henares said.

She said the bureau need not issue a revenue regulation requiring online sellers to issue receipts and invoices, since the National Internal Revenue Code (NIRC) already mandates sellers and service providers to issue receipts “for each sale or for service valued at P25 or more.”

Section 237 of the NIRC provides that “all persons subject to an internal revenue tax shall, for each sale or transfer of merchandise or for services rendered valued at P25 or more, issue duly registered receipts or sales or commercial invoices, prepared at least in duplicate, showing the date of transaction, quantity, unit cost and description of merchandise or nature of service.”

Source:
www.interaksyon.com/business/53182/bir-we-can-go-after-sulit-ayosdito-and-you-for-unregistered-untaxed-online-sales

 

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