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A Business Proposal For You

March 26, 2010 in business, financial, work | No comments

Do you blog?  Do you post pictures online?  Do you post videos online?  Are you tired of having to upload content you will never make money from?  Do you wish your internet subscription can be paid for by someone else?  I will bet that most of you will answer yes to at least 3 out of 5.  Ever wished, though, that you could turn your internet expenses into something you can make money out of?  That you can earn income from your pictures?  Your videos?  And your blogging?

You can.  And it’s quite easy, too.

I am offering space on my server for all you would be bloggers, photographer and videographers.

For only Php 500.00 per month (domain name not included), I will host your website and ensure that it runs fast and trouble free.  That your efforts will not be in vain as you can convert them into financial success.

The software I am offering are full featured and I assure you full control of your data and your income.  If you’re interested, leave a comment and I will reply as soon as I can.

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Deposit Checks Using Your Phone [Redux]

March 21, 2010 in business, financial, technology | No comments

In August 2009 I wrote about USAA offering their depositors the ability to use their iPhones to deposit checks from the comfort of their home or wherever they may be.  The technology allows people to be free of the tedious chore of going to their bank to cash their checks.  It also allows them to have more freedom to go further with their bank, business wise.

A few days ago on Slashdot, the story re-emerged.  This time with more banks joining up on the offering for their customers.  The report doesn’t say when the ability will be available to their customers but it will be soon.

Applications to do just that are already available for Apple’s iPhone and other gadgets from USAA, a company that provides insurance and banking mainly for military veterans. Chase, Bank of America and Citibank are among the banks planning to release similar applications this year.

This is now happening thanks to government legislation and maturing technologies.  The specific technology to be used is called remote-deposit capture.

Here’s how it works. When you take a picture of a check, a computer that receives the image looks for the amount, the check number and the digits on the bottom with information on the check writer’s account number and the bank’s routing number. A photo of the back of the check verifies that it’s been signed by the recipient.

A banking clearinghouse then routes the funds from the check writer’s account to that of the recipient. That also prevents the same check from being deposited multiple times.

Of course, this is in the USA.  Where laws exist to enable the use of such technology.  What about the Philippines?  Do we have laws for this?  Existing or in the works?  I don’t know.  Our politicians are more interested in turf fighting and primping themselves for mass adulation and self mortification right now.

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I was WOWed!

March 16, 2010 in business, c'est la vié | No comments

Saturday.  It was after work.  I was tired.  Hungry.  Sleepy.  Yet I had to have my car’s tank filled up as it was already sucking vapor plus I needed some supplies for my cupboard.

There I was at the supermarket check out counter.  When it was all done and paid for I asked the cashier if the two bags were it to which she replied a positive affirmative.  Ok.  I took my two bags of groceries and went home.

I got home and there was no power.  Great, I thought.  I’ll leave the groceries until later.  Power came back and I succumbed to my fatigue and went to sleep.  Upon waking up and putting the groceries away, I discovered to my dismay that the cashier didn’t pack 5 items but billed me for them.  Darn it.  Now I have to waste my Sunday time to go back and get them.  An arduous 15km (one way) drive through traffic.

All the while going back to the supermarket, images of bad customer service haunted me.  An experience borne out of years of lousy service from this supermarket.  I was prepping my speech and becoming an irate customer.  Upon my arrival I went straight to the customer service desk and told them my story.  Three minutes.

Straightening my back and preparing for an argument I was stupified by the lady’s response, “Ok, sir.  Please have a seat while I have someone get the stuff for you.”  Incredulous, I sat down as instructed and prepared to wait.  Ten minutes later, someone came to me with a bag of my missing items and a ledger.  “Sir, please check and double check these items to see if they’re correct then sign here, here and here.”  Quiet, I went through the contents of the bag and determined all was there.  I signed the ledger and left for home.

Simply put, my worries on the way there were for nothing.  The company has changed.  Their customer service is now on the top of my list.  World class, to be sure.  I was humbled and wowed.  SM, for me, now stand for Simply Marvelous.

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