Last March, 2011, I tried selling mobile phone e-load. I made my landing page and make a button from PayPal so that I could accept payment thru PayPal. After making successful SEO ( Search Engine Optimization ) with my landing page as well as social media marketing, lots of orders came to my e-mail. Most of my orders came from an Indian e-mail from PayPal. So after receiving their payment thru PayPal, I begun sending the e-load number to the e-mail they used in buying through PayPal. But it is a big mistake not to make sure that my buyers are verified buyers.

I sold a total amount of $ 400 with a capital of $ 300  until I realized that I am running a bad business.

I got different PayPal chargeback, here is an excerpt of what is chargeback :

A chargeback, also known as a reversal, is when a buyer asks their credit card issuer to reverse a transaction after it has been completed. It is available only to users who make a payment funded by their credit or debit card.

There are three main reasons a buyer will do this:

1. The purchased item never arrived.
2. The item was much different from advertised.
3. Their credit card was used without their permission to buy the item fraudulently.

Chargebacks are initiated and handled by the buyer’s credit card issuer – not by PayPal – and will follow that company’s regulations and timeframes. That said, PayPal often plays a role in resolving chargeback disputes.

It is a reversal of an amount paid. The amount will be removed from your present PayPal account balance. It happen because the credit card company notifies PayPal’s merchant bank and debits the funds from PayPal due to fraudulent use of the credit card, which only means that somebody might have use a stolen credit card details and use it to buy an e-load by using a PayPal account.

I have made an e-mail captured of all the chargeback that I received fro

m PayPal below :

This is some tips from PayPal on how to dispute a chargeback:

How do you dispute a chargeback?

If you wish to dispute a chargeback, you will need to provide certain information and evidence depending on the case. Below are the two most common reasons for chargebacks and the information you need to provide in each case:

1. The buyer didn’t receive the item
You must give either:

• A tracking number as provided by Royal Mail Recorded Delivery and Parcel Force 24
• Proof of a refund – this can be evidence from your PayPal account, the back and front copy of a cheque, or a money order used to reimburse the buyer

2. Unauthorised use of credit card
You should give:

• Tracking number for delivery of the item
• Proof of a refund – this can be evidence from your PayPal account, the back and front copy of a cheque, or a money order used to reimburse the buyer
• Any communication from the buyer, such as emails or positive feedback on eBay
• Any contracts signed or information on the sent item
• Date that the item was sent and the address it was sent to
• For intangible items or subscriptions – any information about the item or service

In these and all other chargeback cases, the more relevant information you can give, the better your chance of winning.

Sad to say that I don’t have such details since my transaction are all electronically done. I cannot prove that I have delivered the item by just merely sending them a copy of the e-mail conversation that I had with the buyers. All my claim to get the amount failed.

The worst thing is that some forum says that a chargeback has a time limit of 1 year. It only means that any seller could receive a chargeback after a year of transaction, which could definitely drain the business. I am still thankful to God that I have known this thing before it can cause me much damage in my business.

So I will make a suggestion on how to safely receive payment for your online transaction if you are selling something on the net through my next post. if some of my readers do have some experience with PayPal Chargeback or credit card chargeback, please share it here so that we can gain more knowledge about this fraud. This might also be a reason other company such as Dreamhost is not accepting PayPal as an first payment. and one of the reasons why the PayPal withdrawal has been deactivated in India.

Good to tell my readers that whatever loss in this PayPal chargeback has been recovered thru my other online blog earning. I am just sharing this information to warn future seller which would want to use PayPal as their payment method. Check our partner site about Credit Card information

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Promoting my blog.

Here are some suggestion on what domain name you can invest for future use.

1. Your Name dot com
2. Your Province dot com
3. Your Town Name dot com
4. Your Family name dot com
5. Your School Name dot com
6. Your favorite food dot com
7. Your favorite animal dot com

and if this dot com is already used check my suggestion on how to get a good domain name. It is now or never. By the way i just purchased my town name dot com [ TaalBatangas.com ] and as for now it is redirected to The Best of Taal Batangas

We are trying to access our Facebook account today here in Saudi Arabia but what we can see is Saudi Arabia restriction page. It means that Facebook access in Saudi Arabia is now banned.  We still need to confirm this news and we will let you know what happen.

We are still trying to collect valid information about the incident. So for now we need to wait and see what is the reason behind the ban.

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Office 365 has been announced today by Kurt DelBane, president of Microsoft’s office division, at a press event in San Francisco, Office 365 is a service where it will integrate cloud based syncing and accesibility to everyone worldwide. It is like a briefcase in the web. There are actually some big companies who are using this kind of technology but this is not available to all.

So long as a device supports ActiveSync, customers can access their e-mail, calendars, team websites and office web apps from anywhere. The inclusion of Lync also means that Office 365 has videoconferencing capabilities which is great.

At the moment I am only using the Dropbox to have a sync file everywhere I go.

Office 365 will elimnate the use of portable data storage where ever you go, since it will sync all the information ontime. I just don’t know how much will it cost to have this service. More info here

Updates :

There are two editions of Office 365. Office 365 for Small Businesses is designed for organizations of one to 25 people. It’s a pre-built package that includes Office Web Apps, Lync, e-mail sync and more. It doesn’t require IT support on the user’s end and will cost $6 per user per month.

The second version is Office 365 for Enterprises. Unlike the small business version, the enterprise edition can be customized based on an organization’s needs. It can be customized so different teams have different access levels to Office 365’s features. The enterprise edition comes with everything in the small business version, plus single sign-in, Office Pro Plus (via subscription), internal social networking tools, voicemail in the inbox, and more. It costs anywhere between $2 to $27 per user per month, depending on which features the company chooses to utilize.

I think will make another multi billion dollars for microsoft.

Continue the good fight of faith . I love You.

The Woman Who Fears the Lord [ Proverbs 31:10-31 ]

10   An excellent wife who can find?

She is far more precious than jewels.

11 The heart of her husband trusts in her,

and he will have no lack of gain.

12 She does him good, and not harm,

all the days of her life.

13 She seeks wool and flax,

and works with willing hands.

14 She is like the ships of the merchant;

she brings her food from afar.

15 She rises while it is yet night

and provides food for her household

and portions for her maidens.

16 She considers a field and buys it;

with the fruit of her hands she plants a vineyard.

17 She dresses herself  with strength

and makes her arms strong.

18 She perceives that her merchandise is profitable.

Her lamp does not go out at night.

19 She puts her hands to the distaff,

and her hands hold the spindle.

20 She opens her hand to the poor

and reaches out her hands to the needy.

21 She is not afraid of snow for her household,

for all her household are clothed in scarlet.

22 She makes bed coverings for herself;

her clothing is fine linen and purple.

23 Her husband is known in the gates

when he sits among the elders of the land.

24 She makes linen garments and sells them;

she delivers sashes to the merchant.

25 Strength and dignity are her clothing,

and she laughs at the time to come.

26 She opens her mouth with wisdom,

and the teaching of kindness is on her tongue.

27 She looks well to the ways of her household

and does not eat the bread of idleness.

28 Her children rise up and call her blessed;

her husband also, and he praises her:

29 “Many women have done excellently,

but you surpass them all.”

30 Charm is deceitful, and beauty is vain,

but a woman who fears the Lord is to be praised.

31 Give her of the fruit of her hands,

and let her works praise her in the gates.

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But did you know that interviewing some one in the net is one good strategy of SEO ( Search Engine Optimization ) , by interviewing someone you open your site to other people. Because normally those bloggers that is being interviewed is making shout out about his interview in his social media site, or blog ( This is what I am doing now )

So if you are one of those bloggista’s reader who are in search of seo tips, you can just go to my Blogging Tips and SEO Tips which are located in the links provided. By the way I cannot consider myself as an expert but I do love to experiment and learn from it’s result.

There are lots of better SEO Master out there , my tip.. Contact them and be their Friend.

Source of Income

Well first of all I would like to tell you guys that my source income come from different sources namely , infolinks, bidvertiser, Google Adsense, Direct Advertisers, Blog Bank, Dream Host Affiliate, Nuffnang, Chitika, Admob .  The biggest earner is Google Adsense which contributes 69% of my Gross Income. and the remaining 31% is from others. This blog gives the highest share in my Direct Advertisers and Google Adsense Earnings . I also own other blogs which gives passive income from Google Adsense and Infolinks.

Comparison of Year 2008 Earnings

ussually I am giving graphs to show my earning comparison for different years , so you need You need to see my 2008 and 2007 earning report in order to get an idea how much did I get last year. So here is the graph for this year.

I have included my last 2 years earnings graph and this only shows that based on year 2007 I got about 500% increase and 200% increase based on last year earnings. This only shows that since my blog statistics double form last year, the earning is directly proportional to it.

I did not push thru with affiliate marketing this year, since I think I still need to study the ins and out of it. My blog expenses is eaqual to 19% of my gross earnings. This includes , hosting payment, Domain Registration, Contest sponsorsjip, Event sponsorship etc..

I hope to multiply my earnings this year, I don’t know if it will double or triple or divided by 2 ha ha ha. anyway whatever it is, Let see what happen this year. I do give tithes for my online earnings so I only have spent 90% of my earnings to different gadgets that I acquire last year. I think it will be part of my next post.

Just for information this is me and my Wife earning reports, since she is helping me maintaining some of my blogs. Check her blog at Myjournal.ph

In summary my Net income is double based on last year. So would you like to share yours ? let me know. How succesful are you last year when it comes to Online  earnings ?

It is also a blog that discuss our Children and other matters about our Everyday Life in Saudi Arabia.

She posted her reason for blogging and I must say she is a great writer and even my best critics ( For those Wrong Grammar in this blog )

She is a Great Mom for us and I love her very much. You can read more at her My Journal About Page

My Wife is still learning the technicalities of blogging and it seems that she is already loving it. She is actually a Licensed Civil Engineer that is why sometimes you might find some post in relation to his field although she stop working before giving birth to our Eldest Daughter.

I am also a co author of the site. I would appreciate if you can say hello and drop at my Myjournal.ph Blog.