Affordable Health Care Option for Freelancers – MaxiCare EReady  Prepaid Health Card

Affordable Health Care Option for Freelancers – MaxiCare EReady Prepaid Health Card

Affordable Health Care Option for Freelancers

Maxicare EReady Prepaid Health Card

Transitioning from the corporate world into a home-based career can sometimes be scary because there are no health benefits. Unlike when you are in the corporate world you get health benefits with the HMO plans provided by the company but that's okay because you can actually get one even as a freelancer. I was looking for an affordable HMO plan that suits my financial capacity and I was able to come across with a prepaid health insurance, MaxiCare Prepaid Health Cards with no requirements for approval.

The MaxiCare EReady Prepaid Health Cards is a one-time medical emergency prepaid health card that covers injuries and illnesses that require immediate medical assistance. There are 2 plan types Titanium Php549 and Platinum Php749 and I opted to purchase the Titanium Php549.

 

 

Here are some of Getting a Maxicare EReady Card Titanium Php549 of the features, benefits, and coverage:

Some of the features, benefits, and coverage of Maxicare ERady Card Titanium Php includes

  • One-time coverage of Php15000 for medical-related emergency cases but you can get 2 subscriptions for a year for 1 person.
  • The card is valid up to 1 year upon activation and eligible from 15 days old to 65 years old

If you want to know more about MaxiCare EReady, check out MaxiCare website here.

For the registration process, I registered through text and here's I got. This can be used for emergency purposes but as always, I don't want to use it 🙂


 

Getting a MaxiCare EReady Card for Php549 for a value of Php15000 coverage is worth buying for

🙂 .

P.S. By the way, I can't help but share that I won Php5,000 gift certificate Maxicare EReady Balik Eskwela.

 

How about you? Want to try the Maxicare Prepaid Heath Card?

Transitioning from the corporate world into a home-based career can sometimes be scary because there are no health benefits. Unlike when you are in the corporate world you get health benefits with the HMO plans provided by the company but that's okay because you can actually get one even as a freelancer. I was looking for an affordable HMO plan that suits my financial capacity and I was able to come across with a prepaid health insurance, MaxiCare Prepaid Health Cards with no requirements for approval.

The MaxiCare EReady Prepaid Health Cards is a one-time medical emergency prepaid health card that covers injuries and illnesses that require immediate medical assistance. There are 2 plan types Titanium Php549 and Platinum Php749 and I opted to purchase the Titanium Php549.

Here are some of Getting a Maxicare EReady Card Titanium Php549 of the features, benefits, and coverage:

Some of the features, benefits, and coverage of Maxicare ERady Card Titanium Php includes

  • One-time coverage of Php15000 for medical-related emergency cases but you can get 2 subscriptions for a year for 1 person.
  • The card is valid up to 1 year upon activation and eligible from 15 days old to 65 years old

If you want to know more about MaxiCare EReady, check out MaxiCare website here.

For the registration process, I registered through text and here's I got. This can be used for emergency purposes but as always, I don't want to use it 🙂

 


Getting a MaxiCare EReady Card for Php549 for a value of Php15000 coverage is worth buying for 🙂 .

P.S. By the way, I can't help but share that I won Php5,000 gift certificate Maxicare EReady Balik Eskwela.

 

How about you? Want to try the Maxicare Prepaid Heath Card?

How To Apply for Passport

How To Apply for Passport

One of my bucket lists is to travel in South Korea. Guess what? Someone invited me for a 3- 5 days trip to Seoul and experience the cherry blossom season. Whoah! My excitement is up in the sky, ha ha! But wait, the problem is I don't have a passport yet so I checked on dfa.gov.ph   and check on how to apply for passport.

On my first attempt, I set for a DFA appointment through this link  but was so frustrating that all slots are full until the end of March. Well, I heard that there's an issue about it and I give up. Good thing someone told me that DFA is reopening the slot and I have to get it ASAP if I want to catch up.

The system is really slow and there are times that I have to repeat the process.  Good thing, I was able to get the appointment after an hour of trying it.

I checked the appointment email (let'see if I really read it 🙂 )  and prepared the following passport requirements :

  1. Printed Application
  2. NSO Marriage Contract
  3. NSO Birth Certificate
  4. Photocopies of Marriage Contract, Birth Certificate, and ID.

Great, I prepared everything and arrived on time with confidence (lol). DFA South is on 4th Floor of Metro Town Center Alabang.  As you enter, the guard (on the escalator entrance to 4th floor ) will check if you have the DFA appointment and that's when you come up to the 4th floor. Another person will ask on your time of appointment and you will be grouped in your respective schedule. When I arrived, I was the 20th and was advised to wait first. After 5 minutes, we were asked to fall in line to start the processing.

Upon entering, another guard will check if you have brought all documents. I never thought that this is going to be my big problem, the guard was asking for the barcoded application form. I was confident and insisted ( yes, because I know I always follow instructions) that this is what I received. Of course, the lady guard insisted, she knows the rules 🙂 ! I was advised to go downstairs and ask for that bar-coded form.

Wait, I realized why will go back downstairs, it seems there is something wrong, so I opted for another way and since I saw someone roaming around checking the applicants, I asked the person instead. She advised why would you go downstairs when the Information is there. That feeling of gigil over myself and to the lady guard on why things go wrong when you know you prepared everything beforehand and the lady guard with mislead information.

I asked the lady guard to let me step in and ask the validating area ( this is actually the 1st step of the whole process) and again I insisted that I received this "blank application" and I just write on it.

 

 

Oy my, I found out my mistake, yes I downloaded passport application form but that was not the link I am supposed to download and I failed to notice it. With this one mistake, it cost me more time and work since I have to look for an internet cafe where to print the said form.  Anway, after that trouble I was able to get one and proceeded to next step.

I went back to the document verification section and documents were verified.

What's next? The processing section. I was asked if it's my first time, a little on the personal info and on the processing time. There are two options : (1) Regular - 7 working days for 950  (2) Express - 15 working days for Php1,200.00.  I opted for regular and was given a slip for the payment.

 

 

Next Step:  The Cashier Section. I paid for the Regular Processing fee of Php950.00.

 

 

Next Step: The Encoding Section. This is the process where all your information is encoded and take photo. You will be ask to take off colored contact lens, eye glasses and earrings. You will also be asked whethere you want to pick up the passport or you want it to be delivered. I opted for delivery.

 

 

Next Step: I paid for the Courier Delivery which is Php150.00

 

 

Okay, everything is finished and it took me 2 hours to process everything.

That's it, there's always the first time what matters most is I learned from my mistake.  I hope you learn the basic steps  on how to apply for passport, know the passport requirements and yes, sometimes you will need patience.

Hurray! I am still waiting for my passport and I am excited to visit South Korea  soon when God permits 🙂 .

What To Do When Your Faith is Being Tested

What To Do When Your Faith is Being Tested

It's already 33 days with no freelance project! With consistent applications, lowered the rate and even shortlisted, still, no project closed. If I think about it, I have qualified skills and have a lot of value to offer to clients, but at this moment there are no projects coming.

As we go through this season, a new trial comes in, my mother-in-law is fighting for her life. Oh, how she loves to sleep; she has been sleeping for  5 days.

Facing trials can be frustrating, tiring, painful and we tend to ask "Why Lord", we tend to ask for answers. But in this moment, how should we really respond to such circumstance?

Let me share how I responded to endure the tests and trials through God's grace:

  • I cry out to God to ask for more strength. I know for a fact that trials will help develop my character and that he desires for me to have that strong dependence on him.For me to fully learn how to depend on him and that he alone is the source of my strength.
  • Give thanks. Yes, I still praise God and thankful to him that even in our difficult situation he has never left us. God has given us favours to our day to day living and even provision on my mother-in-law's  hospitalization.  Yes, it may be difficult to give thanks but through his grace, I am still able to say thank you, Lord.
  • I continue to TRUST in HIM. I may not understand the reason behind it but I am still believing in God's goodness.



In this season of our lives, I have a God who is my refuge, a God of Comfort and a God who will not forsake me.

A righteous man may have many troubles but the Lord delivers him from them all. - Psalm 34: 19

God is our refuge and strength, an ever-present help in trouble. - Psalm 46: 1

So do not fear, for I am with you; do not be dismayed, for I am your God. I will strengthen you and help you; I will uphold you with my righteous hand. - Isaiah 41:10

In this season of our lives, trials are not meaningless and God will always remind us that he is a big God.

Give thanks in all circumstances, for this God's will for you in Christ Jesus-  1 Thessalonians 5: 18

Consider it all joy, my brethren, when you encounter various trials, knowing that the testing of your faith produces endurance. - James 1:2-4

For our light and momentary troubles are achieving for us an eternal glory that far outweighs them all. - 2 Corinthians 4:17

Be still, and know that I am God. - Psalm 46:10 

My friend, if you are reading this and you are going through something, Cheer up :).  Even when life is difficult, there's always a big reason to smile because of God's love to you and me. His love for us is so great that he sent his son Jesus Christ, to die for our sins. Isn't that great?

My Freelancing Story

My Freelancing Story

I am prompted to write my freelancing story because there is $50 waiting for me ! I am not kidding, lol, but more than that,  it's about a changed life. My life changed and I am very thankful that I learned freelancing   8 years ago.

HOW I STARTED

I came to know freelancing industry through Femalenetwork.com.  I saw some post from a group of ladies talking about Odesk (now Upwork).  I was curious and then I  just tried and bingo I hit it, I was so excited that Odesk is paying in $$$$$$.

 

MY FIRST PROJECT

I registered in Odesk (now Upwork)  on August 23, 2008 and got my first project on October 6, 2008, that's more than a month of applying for jobs.  Guess, what! The test project  was for $5.55 to research and create one Chapter (10 each  ) of Algebra questions and I need to provide the solution. Wait, copying was not allowed 🙂  If I do well, I will be hired for an hourly contract. And yes, after a week, I got my first hourly contract.

 

Upwork

 

I can still remember the feeling when I got hired , I was  so happy, why because I am earning in $$$$. Who wouldn't, right? The bad news, I had no internet and computer from home and with hourly contract  it requires a tracker. What I did was to talk to the owner of a computer shop and ask  if I could have dedicated computer to use  and thank to them I was able to work on that hourly project.  One more thing, I work on it after office hours and that is between 9:00 pm to 11:30 pm and I travel from Ortigas to Imus, Cavite. Can you imagine the difficult times ? But it paid off, finally I was  able to apply for an internet connection and had a used computer ( the one in horizontal model) for Php3000.00.

 

SUCCEEDING PROJECTS

I thought it's going well after the first one, yes I was hired but I was scammed. I was not paid for $16.67 !  I waited again for more than a month until I got the big break. I had a couple client and work for them for three years.

Contract Details2

 

TAKING THE LEAP

After two years of working  part-time, I resigned from the corporate world. Yes, I was brave enough and took the challenge of becoming a full-time work at home mom.  The journey was not easy but the fact that I'm writing  my story today is good  enough to know  that it was worth it.

Eight years is good enough to tell that freelancing rocks. I don't have benefits, no government benefits, health cards, sick and vacation leaves but I survived.

MY PAYOUT PARTNER

So, after working hard, I deserve to be paid, right 🙂  Payoneer's Prepaid Mastercard has been my partner ever since I started freelancing and that is almost 8 years now. Note:  The charge is higher for the debit card vs local bank withdrawal (connect Payoneer to local bank).

 

IMG_6404[2]

 

One thing I love most about Payoneer's Prepaid Mastercard  is I can get my funds quickly and even within 30 minutes after it is transferred.

 

BEYOND FREELANCING

 

Where am I now? I decided to go beyond freelancing and step out in faith on a different level and still with Payoneer by my side. I'm slowly transitioning as a business owner and on my way of helping create jobs for the countryside through a homegrown BPO.

Yes, I DREAM BIG,  START SMALL  in pursuit for a life of FREEDOM, FLEXIBILITY, and FULFILLMENT.

 

Payoneer3

Payoneer

 

There's so much to talk but I guess I'll  end it here. 🙂 But if there's something I can help you with, just shoot me an email to jane@janemaghanoy.com and will see what I can do to help you.

Wait, before I forgot, if you wish to use Payoneer, kindly sign up HERE  .

 

 

 

 

 

 

 

 

Journey to Death

My Journey To Death

Today, I take a moment to ponder all that journey to death has taught me.

On June 29,2015, that was the longest day for me as I went home to catch up with my mom who was in a comatose stage. She was 61 and had a  fight with chronic kidney failure and liver cirrhosis. We knew it was coming but have never thought that it was only for 4 months.

I arrived at around 11:50 pm, my mom lying on the bed, catching her breath so fast, so thin, so pale, with her pupil almost gone and just the white part of her eyes. I just closed my eyes and prayed aloud. I hugged her and whispered that I love her and it's okay for her to leave us. Telling things in a manner of a joke was all I did. I need to be brave in front of her because I know she does not want me to cry. No words, no reactions, nothing at all but a hard and catching breathing. On June 30 at around 1:02 am, her eyes suddenly opened, looked up for my father and slowly raised her hand towards my father, saliva coming out and eyes slowly closed.  Having witnessed as she drew her last breath was so painful. My mom is gone and there is nothing that we can do but to face her death.

Being on this 4 months journey with my mom's journey was so difficult. It's a mixture of emotions and even financial struggle. When she was diagnosed with her condition, I know it was difficult for her and struggled with it. During those times, there was nothing that I could do but only see how she suffered and how she was in pain. All I could do was to talk to her, encourage her and make her smile. And most importantly this journey is all about surrendering everything to God.

During this season, there are important lessons I learned in life.

1. Life is too short. Make the most out of it to honor, love and take care our parents no matter how busy we are.

2. God always chooses the best for us. While I want my mom to be alive but it is more painful to see her suffering.

3. Surrender and Being Strong are two big words but we should learn how to fully embrace the real meaning of it.

Thank you, Ma for helping me how to be strong and for teaching the most important lesson. I love you Ma.Just as you said before you die, that I should learn to accept things, be strong and continue to live life the way it is.



Celebrating 7th Year of Working from Home

Celebrating 7th Year of Working from Home

Wow, time flies so fast! On August 23, 2015,  it's going to be my 7th year of working from home through Upwork (Formerly Odesk) . I wonder how I survived all these years working on my own without any company benefits :).  With these 7 years, good memories  I have with Upwork are  worth sharing for !

 

ODESK MEET AND GREET

odesk-2I was part of the first ever Odesk (now Upwork) Meet and Greet and was one of  those who presented  Odesk Experience. There were 70 contractors who volunteered  and was fortunate enough to be selected as one of the presentors.  Here is the highlight of my presentation:

” I would rather start my presentation with why I love Odesk very much ! It is because Odesk created a significant impact in my life. For 3 years, Odesk provided me benefits and has been an instrument of the following aspects:

Financial

Having a better income from which I was not able to make it working for 9 years in the corporate world as Fraud and Risk Analyst.

Motherhood

An opportunity to take care of my kids

Entrepreneurship

The mindset of not just being an employee but an entrepreneur.

Builds Relationship

My client and I became friends. We have been working together for 2 years and 1 month now.

The Value of Sharing

It has given me an opportunity to be a channel of blessing for some people. The blessing did not end with me, it goes beyond to my relatives when I shared it with them. We are 1 big happy family in Odesk, my husband, my sister, cousins, my aunt and even my 57 years old mother had a chance to get a job.

Learning

It opened doors for my mother who knows nothing about computers but because of her interest she finally learned how to use a computer. I am truly blessed because I have a client who is very kind to give my mom a job.

The Value of Helping Other People

In my small little way, I was able to offer a “small” job for new Odesk members.

Skill Building

Odesk somehow helped me develop my writing skills. ? I track everything how Odesk contributed for me to have a better life at pinoywahmnewz.info

AND I WOULD LIKE TO END IT WITH : I LOVE ODESK BECAUSE IT VALUES PEOPLE !

It is a fact that working online will not give you stability but no worries at all because our security relies in GOD alone. The weapon that I live with to achieve success is through Living and walking LIFE together with GOD.

Leadership
Integrity
Faith in God
Excellence

odesk

Thank you very much Odesk and may you continue to open doors of opportunity and make a big impact on someone’s life.

CONTRACTOR APPRECIATION DAY

Just having some fun with fellow  Odesk Freelancers.

Appreciation

 

Appreciation 3

 

 

Had the opportunity to take photo with Mollie Carter, Director of Customer Marketing

Appreciation 2

Working with  Upwork has always been a blessing and it is worth sharing that Upwork created a big impact in my life. Thank you Upwork for this innovative way of working from home.