ATM cards are very convenient. It allows us to do various banking transactions anytime, anywhere. But do you know that using your ATM card from other bank’s machine are charged with service fees? Banks now charges up to Php 11 per withdrawal using other bank’s ATM and Php 1 per balance inquiry.
The best way to save money is to use your own bank’s ATM machine. BPI has the most number of ATM machines installed and it woudn’t be difficult to find one. Note though that BPI charges $3 for withdrawals made from the Cirrus/Maestro network using other bank’s ATM.
If you frequent SM malls, BDO and Equitable bank’s ATM is ideal. BDO and Equitable customers can withdraw from each others ATM without charge. Both banks have merged recently.
If you withdraw several times a month, the Php 11 charge can easily add up. Be wise and withdraw only from your own banks ATM as much as possible. Better yet, choose a bank with the most number of branches and ATM’s.
Everyone using a printer knows that the biggest cost of using a printer is in the ink. You can buy an entry level printer for Php 2,000 and spend Php 1,000 everytimg your ink runs out.
Printer manufacturers such as HP, Canon and Epson makes money not on the printer but on the consumables. In my experience, it is worth buying re-manufactured or replacement ink rather than using originals. I try to avoid refilling ink cartridges as this is messy.
If you are a heavy printer user, consider buying bulk ink cartriages. The one time purchase may be costly but the printing cost in the long run is worth the investment.
For laser printers, I’ve tried both refilled and re-manufactured toners. I find the toner refill more reliable than buying re-manufactured ones.
Consistency is the key in finding a good ink replacement. If you are satisfied with the ink you bought, consider using the same brand the next time around.
Oh, by the way, don’t throw that defective printer. Printer manufacturer have trade-in promos yearly and you can save thousands by trading-in your old defective printer.
A free seminar on How to Start Your Own Business will be conducted during the Negosyong Pinoy Expo 2007. The event is scheduled on Sept 16, 2007 at the Mini-Trade Hall, 2nd Level, Festival Mall in Filinvest Corporate City, Alabang.
Topics include:
1. Improving Filipino lives through entrepreneurship
2. Why Go Into Business
3. Rewards of Going Into Business or Entrepreneurship
4. Risks of Going Into Business or Entrepreneurship
5. Process Flow : Starting A Small Enterprise
6. Looking Within (Self Analysis) - Are You Entrepreneurial?
7. Looking Outside Factors to Consider
8. Decision-Making / Planning
9. Types of Business According to Ownership - Advantages & Disadvantages
10. Writing a Business Plan
11. Sources of Capital
12. Rules for Sound Financing
13. Choosing the Site/Location of Your Business
14. Registering Your Business
15. Requirements for Business Name Registration
16. Barangay Micro Business Enterprise (B.M.B.E.) Law
17. Managing Your Finances
18. Financing Assistance / How to get Business Loan
19. Franchise Concepts + “Mga Negosyong Kaya ng Pinoy”