Prelim Discussion Questions

Online buying is applicable mostly on busy people in my OWN opinion. Paying their bills online will be easier for them (busy people).Person like me will choose to go malls and shop rather than seeing the products online. I'm more into quality when it comes to products I want, so online transaction is not for me and besides I'm not that busy person it doesn't matter if I spend time going to malls and buy the products I want. It will be easier for business people to sell products online but they are not that sure if their target market are using internet like me who seldom uses the internet to search for something. =)

arlynne.awayan wrote:I'd like to share my personal experiences in making online transactions.

I have been banking online for more than two years now (www.bpiexpressonline.com, www.chinabank.ph). I pay my Meralco, pldt, credit card, housing and insurance bills online. I get my husband's pay and transfer it to my account online. I even load my husband's e-pass online. I can even load to globe if I wanted to. And so far I haven't had problems with any of these. Online transactions have made life so much easier for me because I no longer have to worry about banking hours.

Aside from bank transactions, I have ordered my birth certificate online (www.census.gov.ph) and it was delivered to our house. I can also check our Meralco bill (www.meralco.com.ph) even if we haven't received the mail billing yet. I have ordered plane tickets online (www.jetstar.com) and even bought food online (www.8mcdo.com). I got all my wedding suppliers from the internet(www.weddingsatwork.com).

My husband and his friends have also purchased a lot of books and computer hardware and electronic gadgets online (www.tipidpc.com). They deposit the payment to the seller's bank account and the product is delivered to them. He bought a second-hand baby monitor that usually costs P3,000 for only P900. Even my sister-in-law has started shopping online (http://mypinkcloset.multiply.com/) without have to use credit cards. She uses G-Cash to pay.

As you can see, online transactions are more about making life more convenient. In terms of security, it's not just the responsibility of the company to make transactions more secure. It's also the responsibility of the every consumer . How will you protect yourself? Here are some tips:

1. Always check if the log-in page asks you to remember your username and password. Always UNCHECK this option.

2. Avoid doing online transaction in internet cafes.

3. Regularly change your password. The more secure password is a combination of text and number and/or special characters like @#$%^&*().

4. Avoid CREDIT if you can DEBIT. Debit means using ATM or G-CASH or any other facility that is based on PRE-PAY not credit.

5. Do a background check on the company you want to transact with. If it looks like a fly-by-night business, stay away from it. How do you know if it's fly-by-night?
(a) the website domain is a free site like geocities, etc. (www.geocities.com/flowersforsale, www.flowersforsale.tk) Established companies have their own domain (www.ayala.com.ph).
(b) Secure sites never send you an email asking for your information like credit card numbers, birthday, address etc. Emails like these are examples of Phishing wherein you receive an email that looks like something send by the company that you transact with but the link is fake and takes you to another website that steals your account information. Secure sites always require you to accomplish forms in their website and NOT through email.
(c) If you receive emails from name@yahoo/name@gmail/name@hotmail etc. telling you that you have won the sweepstakes and asks for a few dollars for attorneys fees.
No reputable company will do that.

Don't be dismayed by all these warnings. You just have to be smarter about your choices. As they say, when in doubt, DON'T.

But you can start by doing online transactions to get information such as seeing your mom's online bill from meralco or buying stuff from myspace or tipidpc.com and personally meeting up with the person you're buying the product from.

Don't be scared of technology. Remember that in the future, this will be the way things are done. Better get ahead.

andrearebadavia wrote:

jm_oracion wrote:Answer to Question 2:

I would seriously making online transactions if the merchandise being offered to me are worth buying and the site is secured on its online transactions. There are lots of items that are being offered by online sellers which could not be easily seen in ordinary stores. In terms of bills payment, it is fine with me paying it through online because it will be less hassle to me and I will avoid long lines in payment stores and/or banks.

but paying online was really dangerous. there are some who takes advantage of it, hackers are some. . . they could use your credit cards without you knowing it!

Lito Delapena wrote:buying things online depend on where i am and what im buying..i wouldnt buy clothes or shoes if it were being sold buy someone here in the philippines just because of the large number of scams and fake items that circulate online and in the philippines..but online buying is also more conveinient for the consumers and also for the sellers.

arlynne.awayan wrote:I'd like to share my personal experiences in making online transactions.

I have been banking online for more than two years now (www.bpiexpressonline.com, www.chinabank.ph). I pay my Meralco, pldt, credit card, housing and insurance bills online. I get my husband's pay and transfer it to my account online. I even load my husband's e-pass online. I can even load to globe if I wanted to. And so far I haven't had problems with any of these. Online transactions have made life so much easier for me because I no longer have to worry about banking hours.

Aside from bank transactions, I have ordered my birth certificate online (www.census.gov.ph) and it was delivered to our house. I can also check our Meralco bill (www.meralco.com.ph) even if we haven't received the mail billing yet. I have ordered plane tickets online (www.jetstar.com) and even bought food online (www.8mcdo.com). I got all my wedding suppliers from the internet(www.weddingsatwork.com).

My husband and his friends have also purchased a lot of books and computer hardware and electronic gadgets online (www.tipidpc.com). They deposit the payment to the seller's bank account and the product is delivered to them. He bought a second-hand baby monitor that usually costs P3,000 for only P900. Even my sister-in-law has started shopping online (http://mypinkcloset.multiply.com/) without have to use credit cards. She uses G-Cash to pay.

As you can see, online transactions are more about making life more convenient. In terms of security, it's not just the responsibility of the company to make transactions more secure. It's also the responsibility of the every consumer . How will you protect yourself? Here are some tips:

1. Always check if the log-in page asks you to remember your username and password. Always UNCHECK this option.

2. Avoid doing online transaction in internet cafes.

3. Regularly change your password. The more secure password is a combination of text and number and/or special characters like @#$%^&*().

4. Avoid CREDIT if you can DEBIT. Debit means using ATM or G-CASH or any other facility that is based on PRE-PAY not credit.

5. Do a background check on the company you want to transact with. If it looks like a fly-by-night business, stay away from it. How do you know if it's fly-by-night?
(a) the website domain is a free site like geocities, etc. (www.geocities.com/flowersforsale, www.flowersforsale.tk) Established companies have their own domain (www.ayala.com.ph).
(b) Secure sites never send you an email asking for your information like credit card numbers, birthday, address etc. Emails like these are examples of Phishing wherein you receive an email that looks like something send by the company that you transact with but the link is fake and takes you to another website that steals your account information. Secure sites always require you to accomplish forms in their website and NOT through email.
(c) If you receive emails from name@yahoo/name@gmail/name@hotmail etc. telling you that you have won the sweepstakes and asks for a few dollars for attorneys fees.
No reputable company will do that.

Don't be dismayed by all these warnings. You just have to be smarter about your choices. As they say, when in doubt, DON'T.

But you can start by doing online transactions to get information such as seeing your mom's online bill from meralco or buying stuff from myspace or tipidpc.com and personally meeting up with the person you're buying the product from.

Don't be scared of technology. Remember that in the future, this will be the way things are done. Better get ahead.

neldyjacinto wrote:by neldyjacinto on Tue Nov 20, 2007 3:29 pm

Yap, Kuya JM..madami nga mga offered na products online that marbe you cannot see in other store but the question is the assurance that the product is of good quality and fits you. Remeber that ads can be deceiving...It may look beautiful in the net but when you see it personally there's a tendency that you can be dissapointed.

bm_valencia wrote:More and more Filipinos are now putting up online businesses or selling their products online. Are you currently buying or would you seriously consider making online transactions such as bill payments and shopping? Why or why not?

Actually, I would like to purchase product online, however, most of the products are paid through credit card and i do not have one since I'm not yet earning money. But in the future, I would consider making transactions on the net.

Admin wrote:Hello!

Answer any of the following questions:

1. Because of the internet, many professionals are now able to earn a living without having to go to the office everyday. There are people employed by companies who work at home and simply communicate and submit their work through the internet. Others start their own online business. What do you think are the advantages and disadvantages of working at home in terms of how it affects the other aspects of a person's life?

ADVANTAGES:
1. One of the common advantages in "online business" is that it is more cost effective. cost effective in a sense that you don't have to spend gas or transportation fee just to submit your work.
2. Time efficient because the moment you click the "send" icon, your client or the other party will surely recieve your mail. less effort on transacting to other party.
3. Also, you can send every little details on your report or work, so it lessens the possibility of forgetting some important details.
3. Aside from what you are submitting, you can also do your other responsibilities or works.
4. while you were submitting something to your client, you can enjoy netsurfing. You are working and yet you enjoyed it...

DISADVANTAGES:
1. Very impersonal. there are clients who much prefer to transact personally for the purpose of clarification and sincerity.
2. In case of internet access breakdown, your work cannot be done and submitted if you experience network related problem

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>end>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
2. More and more Filipinos are now putting up online businesses or selling their products online. Are you currently buying or would you seriously consider making online transactions such as bill payments and shopping? Why or why not?

>>>if i would be asked, I don't prefer transacting in the internet especially if the product or service requires personal selling. I prefer the personal selling setup so i can ask anything concerning the product features and prices.

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>end>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
Remember, you have to post at least 2 messages: one answering the prelim questions and the other is a reply post.

kenjohn wrote:

haidelyn wrote:

rjt_vargas wrote:

wilmark_sarmiento wrote:being aware in communicating on online business is a advantage on the others because you can access easily through computer and make your work easier because you dont need to go to the office to make a report just log on line you can do your work.

yah your right!!! but why are many people doing traditional business work

>>>I'd rather do my work half way.. coz you might be "stagnant" person if you don't mingle with other people..right?! They could probably help you in your work also....

yes, it is much more convenient to work online but still it's much better if you're working on transactions specially business personally because the disadvantage the online business and transactions give is that you're not sure of the person you are dealing to if he / she really is interested about your product and if he/she is really the person you are dealing to.

rrreysag wrote:

jenpallesco wrote:

kc_garces0402 wrote: buying stuff through the use of online are for easier but for me I wont buy shoes,clothes or bags in online because I would like to see if the quality is good and would satifty me..now we should value our money

**mm.. ayt! kung shoes, clothes and bags ang usapan.. better to buy it personally than go online..
girl thing.. hehe!

yeah. similar to what ive mention in my reply. i also prefer to have it on, i mean the things i bought especially shoes. but if were talking about items like, carpets, cabinets, bags... we can definitely have it online.

xenen wrote:It is really hard to find job today in the country and having a business using the internet is one solution in order to have an income. Many people are doing this kind of business because of some advantages in this work. You are just staying in your house and earn money. You can do the household work at the same time have your business and the most important one is you are with your family while having your business. The disadvantage in this kind of business is that your skills and knowledge learn from school will not totally apply in this kind of work/business.

haidelyn wrote:

albertgni wrote:its risky because you dont have a personal encounter with the seller, you are only transacting infront of the monitor, you know, looks are decieving,,,,

>>>yah! it's too dangerous to try it coz there are lots of cases of scam thing..

Admin wrote:Hello!

Answer any of the following questions:

1. Because of the internet, many professionals are now able to earn a living without having to go to the office everyday. There are people employed by companies who work at home and simply communicate and submit their work through the internet. Others start their own online business. What do you think are the advantages and disadvantages of working at home in terms of how it affects the other aspects of a person's life?

2. More and more Filipinos are now putting up online businesses or selling their products online. Are you currently buying or would you seriously consider making online transactions such as bill payments and shopping? Why or why not?

Remember, you have to post at least 2 messages: one answering the prelim questions and the other is a reply post.

vullagmyka wrote:

Admin wrote:Hello!

Answer any of the following questions:

1. Because of the internet, many professionals are now able to earn a living without having to go to the office everyday. There are people employed by companies who work at home and simply communicate and submit their work through the internet. Others start their own online business. What do you think are the advantages and disadvantages of working at home in terms of how it affects the other aspects of a person's life?

ADVANTAGES:
1. One of the common advantages in "online business" is that it is more cost effective. cost effective in a sense that you don't have to spend gas or transportation fee just to submit your work.
2. Time efficient because the moment you click the "send" icon, your client or the other party will surely recieve your mail. less effort on transacting to other party.
3. Also, you can send every little details on your report or work, so it lessens the possibility of forgetting some important details.
3. Aside from what you are submitting, you can also do your other responsibilities or works.
4. while you were submitting something to your client, you can enjoy netsurfing. You are working and yet you enjoyed it...

DISADVANTAGES:
1. Very impersonal. there are clients who much prefer to transact personally for the purpose of clarification and sincerity.
2. In case of internet access breakdown, your work cannot be done and submitted if you experience network related problem

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>end>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
2. More and more Filipinos are now putting up online businesses or selling their products online. Are you currently buying or would you seriously consider making online transactions such as bill payments and shopping? Why or why not?

>>>if i would be asked, I don't prefer transacting in the internet especially if the product or service requires personal selling. I prefer the personal selling setup so i can ask anything concerning the product features and prices.

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>end>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
Remember, you have to post at least 2 messages: one answering the prelim questions and the other is a reply post.

mike tulang wrote:

Admin wrote:Hello!

Answer any of the following questions:

1. Because of the internet, many professionals are now able to earn a living without having to go to the office everyday. There are people employed by companies who work at home and simply communicate and submit their work through the internet. Others start their own online business. What do you think are the advantages and disadvantages of working at home in terms of how it affects the other aspects of a person's life?

2. More and more Filipinos are now putting up online businesses or selling their products online. Are you currently buying or would you seriously consider making online transactions such as bill payments and shopping? Why or why not?

Remember, you have to post at least 2 messages: one answering the prelim questions and the other is a reply post.

hi mam its been a while musta po? i do think that the advantages of this online employment is no.1 you get to stay at home and be with your family it will not be to stressful instead of going to the city just to work and experienced the heavy traffic pollution and be nagged by your boss.. but on the other hand the disadvantage of this online working is that the company cannot supervise what his employee really doing and the fact that the person who is working online cannot experienced the true spirit of working

2.definitely not im not really sure bout this on line shoppin thing coz im kinda afraid that my money will go to waist ive rather prefer personal shoppin jst 4 d asurance

Admin wrote:Hello!

Answer any of the following questions:

1. Because of the internet, many professionals are now able to earn a living without having to go to the office everyday. There are people employed by companies who work at home and simply communicate and submit their work through the internet. Others start their own online business. What do you think are the advantages and disadvantages of working at home in terms of how it affects the other aspects of a person's life?

2. More and more Filipinos are now putting up online businesses or selling their products online. Are you currently buying or would you seriously consider making online transactions such as bill payments and shopping? Why or why not?

Remember, you have to post at least 2 messages: one answering the prelim questions and the other is a reply post.

pao_guerrero wrote:

medo_domingo wrote:

arlynne.awayan wrote:I'd like to share my personal experiences in making online transactions.

I have been banking online for more than two years now (www.bpiexpressonline.com, www.chinabank.ph). I pay my Meralco, pldt, credit card, housing and insurance bills online. I get my husband's pay and transfer it to my account online. I even load my husband's e-pass online. I can even load to globe if I wanted to. And so far I haven't had problems with any of these. Online transactions have made life so much easier for me because I no longer have to worry about banking hours.

Aside from bank transactions, I have ordered my birth certificate online (www.census.gov.ph) and it was delivered to our house. I can also check our Meralco bill (www.meralco.com.ph) even if we haven't received the mail billing yet. I have ordered plane tickets online (www.jetstar.com) and even bought food online (www.8mcdo.com). I got all my wedding suppliers from the internet(www.weddingsatwork.com).

My husband and his friends have also purchased a lot of books and computer hardware and electronic gadgets online (www.tipidpc.com). They deposit the payment to the seller's bank account and the product is delivered to them. He bought a second-hand baby monitor that usually costs P3,000 for only P900. Even my sister-in-law has started shopping online (http://mypinkcloset.multiply.com/) without have to use credit cards. She uses G-Cash to pay.

As you can see, online transactions are more about making life more convenient. In terms of security, it's not just the responsibility of the company to make transactions more secure. It's also the responsibility of the every consumer . How will you protect yourself? Here are some tips:

1. Always check if the log-in page asks you to remember your username and password. Always UNCHECK this option.

2. Avoid doing online transaction in internet cafes.

3. Regularly change your password. The more secure password is a combination of text and number and/or special characters like @#$%^&*().

4. Avoid CREDIT if you can DEBIT. Debit means using ATM or G-CASH or any other facility that is based on PRE-PAY not credit.

5. Do a background check on the company you want to transact with. If it looks like a fly-by-night business, stay away from it. How do you know if it's fly-by-night?
(a) the website domain is a free site like geocities, etc. (www.geocities.com/flowersforsale, www.flowersforsale.tk) Established companies have their own domain (www.ayala.com.ph).
(b) Secure sites never send you an email asking for your information like credit card numbers, birthday, address etc. Emails like these are examples of Phishing wherein you receive an email that looks like something send by the company that you transact with but the link is fake and takes you to another website that steals your account information. Secure sites always require you to accomplish forms in their website and NOT through email.
(c) If you receive emails from name@yahoo/name@gmail/name@hotmail etc. telling you that you have won the sweepstakes and asks for a few dollars for attorneys fees.
No reputable company will do that.

Don't be dismayed by all these warnings. You just have to be smarter about your choices. As they say, when in doubt, DON'T.

But you can start by doing online transactions to get information such as seeing your mom's online bill from meralco or buying stuff from myspace or tipidpc.com and personally meeting up with the person you're buying the product from.

Don't be scared of technology. Remember that in the future, this will be the way things are done. Better get ahead.

Whew! got new knowledge from you ma'am... thanx!!!

Yup... new knowledge...

derrick_delgado wrote:

wilmark_sarmiento wrote:

wilmark_sarmiento wrote:sometimes i engaging on online business because it is interesting and easy, you dont have to go on store personaly just log in to access and theres a assurance that they give a good services.. thats all. thank you.

it is really interesting and convenient buying online if the online store is real and not a scam. but what if you encountered a fake online store? it is really an inconvenience on your part.

juno.pestano wrote:

Admin wrote:Hello!

Answer any of the following questions:

1. Because of the internet, many professionals are now able to earn a living without having to go to the office everyday. There are people employed by companies who work at home and simply communicate and submit their work through the internet. Others start their own online business. What do you think are the advantages and disadvantages of working at home in terms of how it affects the other aspects of a person's life?

2. More and more Filipinos are now putting up online businesses or selling their products online. Are you currently buying or would you seriously consider making online transactions such as bill payments and shopping? Why or why not?

Remember, you have to post at least 2 messages: one answering the prelim questions and the other is a reply post.

1. As we all know having your own work at home amkes it a lot easier for people to do thier work. Especially for some people who earns a lot on thier work by simply going online. A good advantage of working at home is the comfortability and the traffic they go through everyday. With thier work inside their house it can be easier for people to do their jobs very comfortably. And they can have thier time on thier own hands, they don't have to wake up early nor go home late because all thier access is already inside the house. While, the disadvantages of having thier work at home is simply having the ambaince of having a office and the workers of employees you tend to approach everytime you have problem. When your all alone at home you can't handle your employees and you can't even approach the people you need to approach, in that case you have to go to a place where you can meeet and you still not doing your work at home. It also outside.


2. No, because as a buyer i'd buy a thing that i can see and feel. I can't buy stuff which i only see in pictures. And im a very careful buyer, though it depends on what i buy. Like for example when i buy a gadget i check some reviews first and asks people who know about this stuff. I can't buy it over the net.