What an experience! I can now cross out #30 on my life list, which is to be interviewed on TV. Martine, my friend from DaintyMom.com, and I were interviewed on ANC’s Shop Talk. We were asked to talk about the
It’s a WAHMderful Life workshop: Real Ways to be a WAHM, which will happen tomorrow!

Martine and I at the make-up room

Martine and I at the make-up room

We had a fabulous time! It was a great experience talking about work-at-home-moms and women empowerment.

ANC Shoptalk interview 1

Here is the copy of the video! Like it please on YouTube!

 

We really hope that we get to help women achieve their goal of being a work-at-home-mom or a mompreneur. There are a couple of things in my life list that is geared towards helping mompreneurs. I am already conducting mentoring sessions, too, for those moms who want to go into business, and who need sound advice. If you want to meet up with me, just leave a comment below and I will get back to you! I’m still revamping my portfolio site, GingerArboleda.com, but I plan to have it live by end of February 2013.

Anyway, who’s going to the workshop tomorrow? 🙂 We can’t wait to meet all those who signed up for the workshop tomorrow! Feel free to approach me and let’s chika! haha! See you all tomorrow for It’s a WAHMderful Life: Real Ways to be a WAHM.

Mommy Ginger

Mommy Ginger

One of the things in my life list that I would want to cross out this year is to start my own Sole Proprietorship business (That’s #37 in my Life List). Aside from just simply crossing it out, I wanted to experience how it really was in opening a business. I had a partnership opened before (a partnership with my friend, Sharon), and most of the paper work was actually outsourced to a messenger. We, of course had to pay for them to process our papers.

I wanted to find out how hard (or how easy it was) to open a business. So what I did was I really went to DTI to go through the process. I went to the DTI Area 2 Office for (Makati, Pasig, Taguig, Muntinlupa, Las Piñas and Pateros) which was at the 2/F Atrium of Makati Bldg., Makati Ave. cor. Paseo de Roxas, Makati City. They are open from Monday to Friday from 8am-5pm (tel. No. 501-5135). For those applying with a business address in QC, this is where you should go instead: DTI Area 3 Office(Mandaluyong, Marikina, QC and San Juan) at G/F Highway 54 Plaza, EDSA, (Across SM Megamall) Mandaluyong City which is also open on Monday to Friday, 8am-5pm (Tel. No. 706-1767). Shout out to my sister-in-law, Neva!

When I got there, I didn’t have to get the form from the guard because I already filled up a form that I got online. So to save you time, just download this form, fill it out and create two copies.

BN Application Form (2011-06-13)

The guard got it and stamped a number. This will be your number while you wait in line. I got there at 1:30 pm and some of the DTI officers were still on their lunch break. I think it would be better to go in the morning instead. I think the line would be faster. When I got there, there was only 1 person receiving the application forms. Around 2:00 pm, three people arrived to help out, so the processing time was faster.

DTI in Makati

DTI in Makati

When I was called, I handed over my form. The first thing she said was that I had to change the name. I applied for Manila Workshops or Manila Workshop or ManilaWorkshop.com. Apparently, you cannot use any name of a place in your business name. That’s one tip I have for you. I had to change it to GPA Events Management Services.

Another tip is that you cannot be vague. That is the reason why my business name is long. It has to contain words that really tell of your service. The good thing about processing your own papers is that you can decide quickly. If you have someone else process it for you, that person will have to call you and ask for the name that you would like to use to replace what you wrote. Then he/she will have to ask the DTI processor again and then get back to you. That process would be tedious.

DTI Cashier Window

DTI Cashier Window

After we agreed on the name, the DTI processor asked for my ID. I gave my passport. It took her some time before she could finally type everything into her computer. Finally, she gave the document back and I went to the cashier’s window to pay for my fee. The fee that you have to pay depends on the scope of your business. Fees are:
Barangay: Php 200
City/Municipality: Php 500
Regional: Php 1000
National: Php 2000

You also have to pay Php 15 for the documentary stamp tax. After paying, you give your application form and the receipt to another processor. She will be the one to release your DTI Certificate of Registration.

DTI window for release of Certificate of Registration

DTI window for release of Certificate of Registration

 

When she calls out your name, be sure to check the spelling of your name, your business name and the address. This is very important! Don’t just leave. I found 3 errors, which I asked them to change.

After they retype it, you are done with the DTI process! 🙂 Congratulations, you have managed to pass through the first step in setting up a Sole Proprietorship Business.

The next step would be the application for Mayor’s Permit in the Municipal Hall of your place of business and then with the Bureau of Internal Revenue.

This is a great guide to follow when setting up your own Sole Proprietorship business:
http://www.dti.gov.ph/uploads/DownloadableFiles/A_Guide_to_Registering_Business.pdf

Hope this article helps!

Mommy Ginger

Mommy Ginger

I have some newly married and mom friends asking about the Kasambahay Bill. As of the moment, based on what I have read, this bill hasn’t been signed yet to become a law. I wanted to share with you though my thoughts on this bill (house bill no. 1140).

Here are pertinent information that I got from reading the bill. I have also included some helpful information for you and your kasambahay:
1. Kasambahay means anyone who renders domestic / household services. So yes, even drivers and houseboys (and even valets for those Downton abbey households) are included.
2. It is now stated that they they have rights to social protection. They should apply for Social Security System Membership. The employers shall pay for the employer’s share of the SSS contributions without deducting it from the employee’s pay. Likewise, the employee should pay for the his/her share in SSS.

For those who are wondering how much should one pay, here is a table from SSS of the contributions that need to be made.

SSS Contributions Table

3. The Kasambahay should now become a member of the Philippine Health Insurance Corporation (Philhealth).

4. The minimum wage for the Kasambahay are the following:
Php 3000 / month for those working in NCR
Php 2000 / month for those employed in other chartered cities and first class municipalities
Php 1000 / month for those working in other municipalities

5. Pay also should be given at least twice a month and should not be made in tokens, chits, promissory notes, etc. It should be paid in cash.

6. Pay slips should be given to the employee.

7. The Kasambahay has the right to free board, lodging and medical attendance. A first aid kit must also be kept in the household.

8. The Kasambahay is entitled to educational opportunities. They have the right to access opportunities to upgrade their skill.

For those who want to upgrade the skills of their helpers, have them join the Ok Ka, Yaya Ko! Workshop. http://mommyginger.com/2013/01/ok-ka-yaya-ko-workshop.html It will include sessions and interactive activities on First Aid, Child Care, Self-Development and Etiquette.

9. Each Kasambahay will have to sign a contract of domestic service, which shall include the following:
a. Period of employment (which shall not exceed 2 years);
b. Monthly compensation and mode of payment;
c. Annual Salary Increase
d. Working hours and day-off schedule
e. living quarters and sleeping arrangement

10. All kasambahay applicants should have this:
a. Medical certificate attesting to the physical and mental illness of the domestic worker to be secured from a licensed physician
b. NBI clearance
c. Barangay Clearance
d. Duly authenticated Birth certificate from the National Statistics Office

11. Rest periods: should give Kasambahay 8 hours of rest daily and 1 day rest period after 6 days of work.

12. Kasambahays are entitled to a 13th month pay

13. Kasambahays are entitled to the SSS benefit (if they have been contributing) and the employer can advance the payment and be reimbursed by SSS.

14. Kasambahays are entitled to a 60 days leave for normal delivery, 78 days for c-section delivery or a 7 day paternity leave.

15. Vacation leave: entitled to 5 days with pay

16. Termination of contract: Notice of at least 5 days in advance.

Well, that’s it. These are the pertinent things that I got from the Kasambahay Bill.If you want to read through the entire Kasambahay bill, here is a copy:
Copy of the Kasambahay Bill

I personally think this will be both beneficial to the employers and the kasambahays. It’s good that there will be rules guiding all actions of both parties. This will prevent the kasambahays from demanding more than what is due them, and also this will prevent employers to abuse their power, too. In our household, I am already starting to adapt to the provisions indicated in the bill, even if it is not a law yet.

I am not asking one of our maids to get SSS already (the other one has). I just have a maid and a yaya, so it’s relatively easier to ask them both to comply. Also, I am sending them to the Ok Ka, Yaya Ko! Workshop on February 2, 2013. Manila Workshops is holding the workshop and I have seen the course outline. I am really excited for them to learn from the class. I am starting to fill their documents, too (pay slips, etc.).

How about you? What are your thoughts on the Kasambahay Bill? Love to hear them!

Mommy Ginger

Mommy Ginger

 

 

 

 

In business or even in marketing, you cannot do away with the word “objective”. What is your objective? I have become immune to that sentence. I do know of some people who are allergic to that word though. Come to think of it, it really sounds intimidating. I don’t want to use that word in this post. I’ll simply use the word “Reason”. I think that’s a lighter and more practical word to use.

Setting goals or objectives can be too intimidating for some especially when asked even before starting a business. At least with reason, it’s a word that we cannot do without since we use this human capacity for making conscious decisions, analysis or justifying actions based on existing information. Like for example, I made this conscious decision to inhale this packet of peanut butter cookies even though I may have gained more than expected during the holidays.

What diet???

What diet???

But seriously, before starting a business, you really need to state a reason for doing so. Objectives and goals can come after. What is your reason for planning to put up your own business? Is it for the financial gain that comes with it? Is it because you want to pursue your passion and life-long dream?

I read this article of Jeff Haden entitled, One Test Every Entrepreneur Must Take. If you answered “yes” to both questions I raised above, what Jeff says will be a disappointment for you. He says that “Sadly, these two options tend to be mutually exclusive–unless what you love to do is grow a business”.

He continues to explain that there will come a point in time when your business will have to expand and grow to give you the financial gains that you expect. If your business is something that you love doing “hands-ons”, then eventually, you will have to let go and watch it grow from a distance where you may not be able to do the things that you are passionate about.

I actually agree with him. I personally believe that at some point in time, I will have to learn how to delegate and be busy with strategy and direction for my business. Right now, I am enjoying doing everything for Manila Workshops — meeting new people, developing plans for partners, making each learning experience worthwhile and building relationships with suppliers, attendees, and partners.

How about you? Have you thought of your reasons for starting or coming up with your own business? If you want to choose both, you can pretty much do so by determining where line intersects between the income that you will be content with and with the satisfaction that you get from doing things in our business that you love. As a momtrepreneur, this is key. If you and your husband plan to make this business of yours the primary source of income in the future, then you may have to choose financial gain in the long run. If you think that this is just so as to augment or to help in adding to the household budget, then maybe, your reason is to do the things that you are passionate about.

What’s your reason?

Mommy Ginger

Mommy Ginger

An Interview with Momtrepreneur Angel Cristobal, the owner of Keishables.

Angel is a full-time mom & wife and part-time online seller/momtrepreneur. She’s the mother of one adorable little girl named Keisha (26 months) and wife to a loving and supportive husband named Kirby. She is a self confessed lover of arts and crafts. She loves scrapbooking, photography, designing and event organizing (just for her family and friends).

Momtrepreneur Angel with her family

Momtrepreneur Angel with her family

Momtrepreneur Angel with her daughter!

Momtrepreneur Angel with Keisha!

Here is my interview with Mommy Angel.

Ginger: Hi Angel! Can you tell me more about Keishables?

Angel: My business, Keishables, is named after my daughter. What I do is I sell raw materials for making hair bows. It was only in the latter part of 2012 when we decided to join bazaars to sell hair bows ourselves. I founded Keishables in June 8, 2011. I’m proud to say that we are at 1 ½ old now.

Ribbons from Keishables

Ribbons from Keishables

Other designs from Keishables

Other designs from Keishables

Ginger: That’s pretty interesting. You are the first mom who I have encountered to have that type of business. So, who do you think your market is?

Angel: My market is mostly moms who also want to have their own business by selling hair bows online. I also have some clients who are crafters and moms who just want to make bows for their daughters and who do not intend to sell.

Ginger: I’m sure a lot of people would like to know how you came up with this idea, since it’s pretty unique. What made you decide to start this kind of business?

Angel: When my Keisha was born in 2010, I was really having fun making her fancy flower headbands and hairbows. Many people asked me “Where did you buy it?” and of course, proudly, I would answer: “I made it!”. That was when I thought of having my stuff available online. I went to Divisoria to buy hairbow-making materials, but unfortunately, I did not find any store selling polyester grosgrain ribbons (which is usually used for making hairbow). I found one store who sells nylon grosgrain ribbons and tried it out, but it didn’t work well because it wasn’t as nice and fluffy once you make it a hair bow.

During that time, my husband went to China and I asked him if I can order some ribbons there. I made my research and I found one manufacturer who happens to be in the same province where he was going. I ordered online and didn’t notice or even imagine that I ordered a lot! (I was thinking that the ribbons I ordered were just in small spools). When my supplier delivered it to my husband, it was 3 balikbayan boxes! He wasn’t able to bring it home due to its weight and we opted to just ship it here in the Philippines. Since I had all of these ribbons, I decided to sell some ribbons online. I was surprised with the how many people wanted to buy. Many crafters and moms were looking for it for a long time already so I started importing from then on.

Other ribbon designs

Other ribbon designs

Ribbons from Keishables

Ribbons from Keishables

 

Ginger: That’s a great story, Mommy Angel. With all of these successes, were there any obstacles that you faced when you decided to pursue becoming a momtrepreneur? What are these?

Angel: Working at home is a bit challenging if you have a toddler. My daughter wants to have “Mom and me time” for almost all of the day so when I’m working, she gets my attention by pulling my ribbons from the rack or playing with my resins or centerpieces.

Another challenge is having a permanent time for work. If you work in an office you often go to work from 8:00 am to 5:00 pm, but in my case it’s usually between Keisha’s nap or sleeping time. I don’t have a helper, so that’s the only time I have for myself and work.

Momtrepreneur Keishables 0005

Ginger: What are three traits that you think a momtrepreneur should have when starting their own business?

Angel: I think every business starts with passion. Without it, you will not be successful in any type of business. Time management is also crucial for a momtrepreneur, because managing a household and business at the same time is really tough work. You also need the courage to be innovative when it comes to your service or products. Do not be afraid to introduce something new to your market and don’t be afraid of your competitors, as well. Competitors are there to bring out the best in you.

Momtrepreneur Keishables 0002

Ginger: What advice can you give to other Momtrepreneurs?

Angel: I think the best advice I can give is our word of life: Isaiah 43:5 “Do not be afraid for I am with you”. If there comes a point that you feel you have failed in your business or in any aspect of your business, always get the support of your family, most especially your husband. Pray to the Lord and claim that you will regain abundance and find solutions to your problems.

Ginger: Those are great words, Mommy Angel. Thank you for our time and I hope that momtrepreneurs out there get to be inspired with the story of how Keishables came to be.

Keishables Contact Information:

a. Email address: keishables@gmail.com
b. Mobile Number: 0917-5895570
c. Facebook Page: www.facebook.com/keishables
d. Twitter account: @keishables
e. Pinterest: keishables