A lot of people nowadays dream to become owners of their own businesses. However, one barrier usually faced by these budding entrepreneurs is the cost of setting this up from the ground. There’s this common misconception that start-ups require people to have a deep pocket but that’s not always the case. There are businesses out there that don’t need a lot of capital. 

Curious about what these are? Read further to familiarize yourself with the best business options that you can build under Php 20,000. 

Option 1: Become a Financial Advisor

Cost: P3,565.00 (Php 1,010 each for the Traditional Exam and Variable Exam and Php 1,545 for the Licensing Fee)


  • Financial Advisor Application Form
  • Exam results from the Insurance Commission
  • TIN
  • Professional Tax Receipt
  • Valid Government ID Photocopy


A financial advisor focuses on guiding people into crafting their long-term financial strategies. They help you with the ins and outs of financial planning – from breaking investment jargon to you to expanding your investment portfolio. Some items that financial advisors assist you with include retirement planning, investments, tax planning, estate planning, health planning, and inheritance. 

Option 2: Establish a Milk Tea Business

Cost: Php 5,000 to Php 15,000


  • Business Permit
  • Stall / Kiosk / Cart / Shop (whichever is applicable)
  • Kitchen Gadgets (e.g. film sealer, electric sealer, milk tea shaker, measuring cups, straws)


It’s undeniable that Filipinos are milk tea lovers! As they say, there’s no right season or time for milk teas as consumers love to drink them any time of the day, all year round. 

What’s good about setting up a milk tea business is there’s a lot of flexibility. For one, it’s your choice if you’ll invest in a room overhaul and place a dining area where customers can hang out or you may just put up a simple cart or stall to target on-the-go drinkers. Another route you can take is to pair these milk tea drinks with merienda and draft a more innovative menu that will tickle the pallets of your customers. The scale and scope of your business will depend on you. 

Option 3: Open a Cleaning Business

Cost: Php 8,000 to Php 10,000


  • Business Permit
  • Cleaning Equipment (sponges, cloth, dustpan and broom set, gloves, vacuum, etc)
  • Cleaning Uniforms for Employees


With how fast-paced the world is moving now, a lot of people prefer passing minuscule tasks to other people. One of these is cleaning. 

Admit it or not, cleaning services are in-demand in the Philippines. Given the 8 to 5 pm workday and traffic situation, most people are already tired when they set foot on their houses. They would rather sleep or hang out with their families and friends on their free days. That’s how clearing services came about. This business requires little investment as you would only be needing the cleaning equipment and a handful of employees as your start. 

There’s an option to scale this as well especially if you enter business-to-business agreements. This covers hotels, restaurants, cafes, small offices, and more. 

Option 4: Set Up an Online Tutoring Business

Cost: Php 2,000 to Php 20,000


  • Computer
  • Headphones
  • Web camera
  • Microphones


In this modern time, learning has become more accessible. Having a tutoring business will enable you to share your knowledge with an increased reach. There are many possibilities for a tutoring business as your services may depend on your expertise or passion. You can be an academic tutor who will supplement their school coverage or a college entrance test tutor who will expose college-seeking students to examinations. There’s also an option to cover arts and teach your audience painting, singing, playing musical instruments, and more. 

Option 5: Start a Writing Agency

Cost: Php 3,000 to 5,000


  • Domain Name and Website
  • Relevant Writing Tools


If you’re a budding writer out there, there’s also an opportunity to grow by building a writing agency. You have two options – get clients and write for their business needs or invest in your website and earn passive income with it. 

If you’re not yet familiar with how to manage your own websites or blogs, it’s better to learn the ropes first by going with the first option. However, if you’re confident with your skills, there’s no problem in leaping to the second option. Just make sure that you’re writing that you’re passionate about to keep you going as you expand your business. If client demands are too much already, feel free to hire other writers that you can take under your wing.

Option 6: Invest in a Piso WiFi Vending Machine

Cost: Php 15,000 to php 20,000


  • Internet Hotspot Device
  • WiFi Vendicng Machine
  • Unlimited Broadband Plan


According to study, Filipinos spend 11 hours on average per day on the internet. Despite this, there are still people who fail to have access and this is where this small business idea can come in. 

A WiFi Vending Machine will enable people to connect to the internet at a limited time. All you have to do is to purchase this equipment and use it as a hotspot source that will charge a fee per minute. It can be as little as Php 1 per 5 minutes but you may also offer “discounted” deals at Php 10 per hour. 

Be Bolder With These Business Ideas! 

Now that we have shown you some of the best options, have you found something that you’re interested in? There’s a big world out there with endless possibilities even with a small capital at hand. Just make sure to study the intricacies of your business, from the target market.

Liston Manok Business

Searching for a career that will cater to your everyday needs while serving others is difficult. There are not enough options that are rewarding internally and externally but one emerging job satisfies both: being a financial advisor. Interested in entering this career path? Here’s a detailed guide on how to be a PRU LIFE UK Financial Advisor.


PRU LIFE UK’s mandate is to be of service in the whole of Asia through its life insurance products. The company has a strong presence in the Philippines due to it being tagged as an insurance provider that offers the most affordable premiums in the market. This led to them being the 2nd insurance company on NBAPE’s list this 2022. 

Aside from its winning ways with customers, PRU LIFE UK also puts a premium on its employees, particularly financial advisors. The company’s performance has been moved forward by the dedication and strength of its people.

What does a PRU LIFE UK Financial Advisor do? 

A PRU LIFE UK Financial Advisor mirrors a critical role in the financial journey of a person. Listed below are its main job descriptions:

  1. Guides in setting up the financial goals of the client through needs-based analysis and one-on-one interviews.
  2. Works with clients in drafting their comprehensive protection package and overall investment strategy anchored on the person’s background, target in life, and current budget.
  3. Covers investment advisory, estate planning services, and other offerings that will help take care of the future generations of the client.
  4. Undergoes policy updates and reviews as critical after-sales services. 
  5. Assist in monetary compensation once the client becomes disabled, gets sick, or dies. 
  6. Continuously prospect new clients, come up with new leads, and onboard partners.

What are the requirements for becoming a PRU LIFE UK Financial Advisor?

Step 1: Attend the Build Your Business (BYB) seminar – Entering the life of a financial advisor is a process. With the help of Build Your Business, PRU LIFE UK will orient you on the intricacies of the job and how you can grow this from corporate work to a business. 

Step 2: Complete the Online and Classroom Training – PRU LIFE UK puts importance on readiness and its training series is its tool to achieve this. There are two legs where your attendance is a must – the online training (which can be taken in the comforts of your home) and the classroom training (which is held in PRU LIFE UK’s headquarters depending on your available schedule). 

Step 3: Take and Pass the Insurance Commission Examination – Keep in mind that every financial advisor has undergone the Insurance Commission Examination. This is made up of two parts – the traditional life insurance and the variable life insurance. Don’t be intimated by this as these topics will be covered in your training (Step 2). 

Step 4: Fulfill All Documentary Requirements – After passing the exam, you’ll have to pass a few papers. Rest assured that the company will guide you as PRU LIFE UK has in-house secretaries that will drive the submission process. 

Benefits of Becoming a PRU LIFE Financial Advisor

  1. Flexible in Time and Place

    Flexibility is one of the most rewarding benefits of having a job. Being a PRU LIFE UK Financial Advisor will allow you to work at your most convenient time in your most convenient place. 

  2. Endless Income Opportunities

    There’s no ceiling on how much you can earn in this position. The more people you lock deals with, the higher your commission would be. PRU LIFE UK is one of the most generous partners out there in terms of commission rates. 

    They also have travel perks, both covering local and international when their agents perform and achieve their stretch targets. There are also monthly promos, such as raffle draws, where eligibility will depend on your monthly sales. 

  3. Service to the People

    Becoming a PRU LIFE UK advisor is a fulfilling job. As individuals who need to pay the rent, this job will definitely help you in that aspect. However, outside this personal aspect, there will always be satisfaction in providing value to your client’s life through your sound financial advice.

PRU LIFE UK Financial Advisor Application

Frequently Asked Questions

Do you need a college degree to become a PRU LIFE UK Financial Advisor?

Yes, the basic qualification of being a PRU LIFE UK Financial Advisor is that you be a college graduate. Another requirement is that you must be of legal age at the start of the process. 

Do we need to shell out money?

The Insurance Commission Examination requires you to pay an examination fee of Php 1,010. The other items though, such as the BYB and the training, won’t require you to shell out money. 

Are you interested in becoming a financial advisor? AXA Philippines is looking for a financial advisor. You can attend a FREE WEBINAR and see if this role is for you. Simply fill up the form below to get started.

Please indicate your mobile number in order to receive the application status
You must be at least 18 years to apply for this job.

In recent years, the idea of an ipon challenge has become more popular, and dare we say, more effective with Filipinos. We’re huge fans of them ourselves here at PesoMatters for two reasons. One, it makes the normally arduous task of setting money aside more fun, making us more inclined to get into it in the first place. Two, it teaches us to be systematic about saving money. Instead of just setting cash aside when we feel like it or slipping a handful of bills under our mattress when convenient, we’re compelled to follow a set of rules, which makes us more likely to stick to the program long enough that we see actual results. If your salary is not enough for you to be able to save, you can start selling any of the best products to sell online in 2023.

To help you get started on your own, here are a few suggestions that you can try this 2023.

The 52-Week Ipon Challenge

What it is: This weekly savings challenge is popular because it allows you to pursue a savings goal at your own pace. You start with a small amount, to get yourself used to the habit of saving, but as you raise the stakes by a fixed increment per week, you’re able to accumulate a decent savings amount by the end of the year.

How it works: On Week 1, set aside a starting amount you’re comfortable with, which will also serve as your weekly increment, say P20. On Week 2, increase the amount you set aside by your weekly increment. So from P20, you now set aside P40. On Week 3, increase P40 by the weekly P20-increment, and set aside P60. Continue on this trajectory, and by the time you reach your 52nd week, you’ll have saved a total of P27,560.

Click here to download an Excel template you can use for your own 52-Week Ipon Challenge.

The Monthly or Bi-Monthly Ipon Challenge

The Monthly or Bi-Monthly Ipon Challenge

What it is: If you like the way the 52-Week Ipon Challenge is set up, but would rather save money on a monthly or bi-monthly basis, you can simply apply the same concept of increments to your chosen time frame.

How it works: Just like before, start with an amount that you’re comfortable with, which will also serve as your monthly increment, say P500. On Month 2, increase your monthly savings by P500, which should give you P1,000. By the end of 12 months, you’ll have saved P39,000.

Click here to download an Excel template you can use for your own Monthly Ipon Challenge.

The Fixed Amount Challenge

What it is: A simpler ipon challenge, this one only requires you to set aside a fixed amount—can be P50 or P100—every day or every week, depending on what you’re more comfortable with.

How it works: Assign an envelope or a piggy bank where you can put your daily or weekly fixed amount every day. If you save P50 per day for an entire year, you’ll save P18,250. If you save P100 per day for an entire year, you’ll save P36,500.

The Sticker Challenge

What it is: Every time the -ber months roll around, it’s become a tradition for Filipinos to line up at their favorite coffee shops to collect stickers in exchange for a planner. We thought, well, why not use that same principle, and apply it to a savings goal instead?

How it works: Choose a savings goal that you want to achieve over the course of two months from our ipon challenge templates. From there, you’ll find that each circle represents a day and the denomination that you need to set aside for that day. Every time you fulfill a goal, put a sticker on the circle, or simply shade it in. Now, it’s up to you how to go about it—you can hit several mini-goals on the same day—as long as you complete everything by the end of the time period. To make it more fun, take on this challenge with your friends, and compare notes by the end of the challenge period.

Here’s the template for both P3,000 and P5,000.

The Envelope Savings Challenge

What it is: This ipon challenge simply requires you to label different envelopes with different denominations and to fill those envelopes at your own pace. When an envelope is full, you deposit the amount into your savings account, and you start all over again.

How it works: While the denominations are entirely your choice, we suggest creating envelopes for all denominations that come in bills: P20, P50, P100, P200, P500, and P1,000. Why? Well, while an envelope stuffed with P20-peso bills may not amount to much, seeing a wad of bills may encourage you to stick to the challenge. After all, how often can you set aside P1,000?

The Swear Jar Savings Challenge

What it is: A swear jar aims to prevent people from swearing by fining them a fixed amount every time they utter a word of profanity. Over time, the jar gets filled with money, while the habit is, ideally, kicked off. This is a principle that can be applied if you have habits that are getting in the way of saving or if you have bad habits that you want to shake off in general. Think of it as killing two birds with one stone. One more thing: While swear jars work because people are held accountable for their actions by witnesses, there’s no reason this can’t work if you’re honest with yourself.

How it works: Decide on a habit that you want to shake off—say, you’ve been doing a lot of online shopping lately, and it’s hurting your finances. To help drop the habit, fine yourself a fixed amount every time you open an e-commerce app or visit an e-commerce website on your browser. Make sure the fine hurts you enough that you’re dissuaded from doing it too often. You can also use this to develop new habits. If you want to wake up earlier every day, say, no later than 7 a.m., fine yourself a fixed amount every day that you wake up later than your goal hour.

Saving is just one part of the wealth generation cycle. Find out more about the role it plays in the overall state of your finances here.


The last few months have forced many of us to take stock of what’s really important in life, not just because of the risks the pandemic poses to our health, but also because we can no longer afford to be frivolous with our money. To help you, we’ve created a series to help you say goodbye to unnecessary expenses and cut down on those that aren’t. Today, we’re listing down tips on how to reduce your electricity bill.

Tip 1: Make the most out of natural light.

If you’re working from home, try to position yourself right by the window where you’re more likely to get a healthy dose of vitamin D. If the weather permits, you might be able to get away with not turning the lights on for four to five hours each day. If your setup doesn’t allow for natural light, however, try to work where the lights need to be switched on anyway like the dining room, or share your workspace with another person.

Tip 2: Unplug your gadgets and appliances when not in use.

This is pretty standard, but most people don’t bother doing it because they don’t think that it’s going to make much of a difference. That may be true if we’re just looking at one category, say, electric fans, but the average household has more than just electric fans. There are laptops, rice cookers, ACs, coffee makers, printers, lamps, and so on and so forth, and each one emits what is called phantom power, the energy that appliances and gadgets consume even when they’re not turned on. According to How Stuff Works, when combined, these can make up around five to 10% of your energy consumption.

Tip 3: Stop mindlessly opening and closing your refrigerator.

Going to the kitchen and opening the refrigerator just to see what’s inside is a habit we’ve all been guilty of, but while we deserve a break, especially after spending hours in front of our computers, it does cost us. To minimize energy consumption, only open the refrigerator when you’re certain that there’s something in there that you want to eat.

Tip 4: Don’t use your gaming console as your streaming console.

Yes, it’s cool that your gaming console can also stream movies, but did you know that using your gadget in this manner also affects its energy consumption? According to the New York Times, gaming consoles can end up consuming 45 times more power than streaming ones.

Tip 5: Replace appliances and lights that aren’t energy-efficient.

It’s a well-known fact that traditional incandescent bulbs are cheaper, but consume more energy, while LEDs are initially more expensive, but save you more money in the long run. The best thing about this is that it’s an easy fix. Another switch you can do is to trade your AC and refrigerator in for models that make use of inverter technology—if you haven’t already. However, both are relatively big-ticket items, so you should only do this if your budget can accommodate it. If you can only choose one though, go with the refrigerator. It’s the only one that you can’t turn off.

Tip 6: Study your Meralco bill carefully.

The nation’s energy supplier found itself in hot water this year amid accusations of inaccurate consumption charges reflected on consumer billing statements, and while some of those have been explained as average consumption computation, others were revealed to be actual “overestimates” and “underestimates,” according to CNN. One silver lining here is that more of us are examining our bills more closely. The next time your bill arrives, take the time to check whether it’s accurate or not, and if you have any questions, don’t hesitate to raise them. After going through the trouble of cutting your energy consumption, the last thing you want is to overpay.

Want to learn how to lower your water bill? Click here!

Managing your expenses is part of how you can manage the wealth generation cycle. Learn more about it here.


Isa sa mga pinag-uusapan ngayon sa mundo ng online delivery services ay ang TokTok Express Delivery. Araw-araw, padami ng padami ang mga riders ng TokTok dahil sa maraming bookings na natatanggap nito mula sa mga customers. Ang isang TokTok Rider ay kumikita ng 1,000 to 2,500 Pesos, depende sa kanilang sipag at oras na inilalaan. Marami tuloy ang nagtatanong kung paano maging isang Toktok operator at kung paano maging isang TokTok rider. Kung gusto mo rin maging rider, narito ang TokTok application process na dapat mong sundan.

What is Toktok?

Ang TokTok ay isang express delivery app kung saan ang isang rider ay pwede kumita ng 1000 to 2,500 Pesos. Kagaya rin ng Lalamove at Grab. ang kita ng isang rider ay naka depende sa dame ng kaniyang byaheng matatanggap.

TokTok Rates and Riders Earnings

Sample Computation: Magkano nga ba ang kita sa Toktok? Bawat booking ay may base fare na 60 Pesos at ito ay madadagdagan ng 5 pesos bawat kilometro ng distansya mula sa pick-up and drop-off destination. Halimbawa, kung ang distansya mula sa pick-up at drop at 10 kilometers, ang booking fee mo ay magiging 110 pesos.

Booking Fee = 60 pesos base fare + (10 kilometers x 5 pesos) = 110 Pesos

toktok rates
Magkano ang kita sa Toktok

Related Article: Borzo Rider Application Process and Requirements

TokTok Rider Application Requirements

  • Motorcycle or Scooter (110cc and above) – Kailangan ng maayos na motor para sa pagdedeliver o pagpipick up ng mga items. Hindi maaaring gumamit ng E-bike.
  • OR/CR of Motorcycle or Scooter – Ito ay ang magpapatunay na ikaw ang may-ari ng motor na iyong gagamitin sa pagdedeliver. Siguraduhin na malinaw ang pagkakakuha ng OR at ng CR. Hindi pwedeng wala ang anuman sa dalawa. Kung hindi nakapangalan sa iyo, kailangan ng notarize na authorization letter mula sa may-ari.
  • NBI Clearance – Para sa validation of records. Siguraduhing hindi expired ang iyong NBI clearance
  • Professional Driver’s License – Ayun sa ating batas, lahat ng taong kumikita sa pagmamaneho ay dapat kumuha ng professional driver’s license. Siguraduhing professional license ang i-uupload mo upang hindi mareject ang iyong TokTok application.

How to apply as a Toktok rider?

Step 1: Magfill out ng form dito sa TokTok Rider Application Form para sa motorcycle at Toktok Driver application para sa 4 wheels. Siguraduhing tama at kumpleto ang mga detalyeng ilalagay sa form.

Step 2: Iupload ang mga hinihinging documents tulad na lang ng NBI clearance, professional driver’s licenses at OR/CR ng iyong motor. Kailangan ay malinaw ang pagkakakuha ng litrato na iaupload mo.

Step 3: Kung sigurado ka ng tama at kumpleto ang mga detalye, iclick ang submit.

Step 4: Mag-intay ng 2-3 days para sa confirmation na iyong matatanggap via text message.

Contact Info: Para sa iba pang katanungan, bumisita at magmessage sa FB page ng Toktok Riders Application

Related Article: How to become a Toktok Franchise

Frequently Asked Questions (FAQs)

Magkano ang application fee sa Toktok?

Libre lang ang pag-aapply bilang isang Toktok rider. Wala babayaran sa pag-register.

Pwede bang non-pro license ang gamitin?

Hindi. Kailangan ay professional driver’s license.

Pwede ba ang expired na NBI clearance?

Hindi pwedeng expired ang NBI clearance

Magkano ang pwedeng kitain ng isang Toktok rider?

Kung nag-aaverage ka ng 120 pesos isang customer x 10 customers, meron kang 1200 pesos per day.

Magkano comission ng Toktok?
Ang comission ng Toktok ay 20%

Mas maliit ba ang kikitain pag may operator?

Pareho lang ang kita, may operator man o wala.

Virtual assistants have become increasingly in demand, now that there is a shift from the traditional nine to five corporate jobs to freelancing. A virtual assistant is also a job that is known to have a high-paying salary while working in the comforts of your home. If you are someone who’s looking for a job that only requires your desktop, a reliable internet connection, your ability to keep up with deadlines, and you want flexible hours, then you may want to consider applying as a virtual assistant.

But apart from these, what makes a virtual assistant different from other jobs? Read more to find out!

What is a Virtual Assistant?

A virtual assistant or VA in shorter terms is a remote employee or an independent contractor who renders services to their clients or companies locally or abroad. They provide administrative, creative, or secretarial services and they perform them in remote locations, wherever they are in the world.

People who are employed as VA work from home, sometimes following the schedule of their clients or companies. They usually perform typical administrative assistant work, but VAs have more flexible hours as their work will depend on the influx of work or tasks needed to be done.

Virtual Assistant Job Description

A virtual assistant may be hired depending on the task that needs to be done. Different clients have different needs and having a wide range of skill sets can help you land a job faster. Below are some of the things that a virtual assistant may do for their client. Some of these items may fit the job description of a virtual assistant.

  • General administrative duties
  • Data entry
  • Technical support
  • Scheduling appointments on calendars,
  • Arranging travel bookings
  • Creating SEO content or other blog posts
  • Managing social media
  • Create or edit graphics

Common Skills Needed to Become a VA in the Philippines

Now that you are aware of what virtual assistants usually do, you need to be equipped with these basic skills. Here are some skills a client or a company looks for in a VA:


Having excellent communication skills is vital as most of the work would include writing and sending emails, calling customers, and dealing business with other clients.

Time Management

Most clients always impose strict deadlines, and that’s why you need to manage your time properly to finish tasks and meet those deadlines.

Familiarity with Project Management Tools

You cannot be a VA if you do not know any software or project management tools such as Microsoft Office. VAs must also be adept at creating strategies for the development of their client’s businesses. You need to be aware of the modernities of the marketing industry, so you need to be creative and well-versed in project management by utilizing these tools.

Good Typing Speed and Accuracy

Some clients require their VAs to transcribe a meeting or conference. Most clients require a typing speed of 60 words per minute, and it must be 99% or 100% accurate.


As most VAs can multi-task, this doesn’t mean that they have to sacrifice the quality of their work. Clients highly require clients to have a keen eye for detail, no matter how minor it may be.

Social Media Management

Everyone is heavily reliant on social media. If you are a VA assigned as a social media manager, you need to know how to use social media platforms, create events online, and interact with users online. You must also know how to promote your client’s products and services online and cross-post them on various social media platforms.

Qualifications of a Virtual Assistant

There are no fixed, and hard-and-fast requirements for someone to become a virtual assistant. Some companies require certain educational attainment, some may also ask a prospective VA to have specialized training in a particular field. Some clients and companies offer certification courses for virtual assistant skills.

But for beginners, a VA must be tech-savvy, with vast knowledge of IT-related programs and software. If you are applying as a bookkeeper virtual assistant, you must know basic accounting skills. Hence, being computer literate is a must.

When it comes to educational attainment, the youngest preference by most clients is that you are a high school or college graduate. As most companies don’t mind your educational attainment, what is important is that you know how to follow instructions, you are organized, and can meet deadlines.

You must also have a previous experience in the secretarial or administrative field. An administrative assistant is one of the usual previous job experiences of those applying to become a VA.

Lastly, you need to have excellent communication skills – both oral and written. This qualification is a no-brainer, as you will be dealing with customers and clients all around the world. Communication is crucial when you are working as a virtual assistant.

In sum, you only need relevant experience to become a virtual assistant. But having certifications and high education attainment can be an edge to land on the job that you want.

How to become a virtual assistant

Becoming a virtual assistant is not as difficult as it seems. If you don’t know where to start, here’s a quick guide to help you begin this journey.

1. Decide Which Services to Focus On

A virtual assistant is a flexible job, and there are hundreds of services you can enter. However, it would be hard for you if you take on all of these services. Based on learnings, it’s recommended to find your niche, whichever your strength is, and focus on that. It’s better to sell yourself as an expert in the field instead of a generic jack of all trades.

As a starter, you may choose around three services that you want to focus on and check in the next few months how you’ve handled them. If you’ve done well, you may add two more, but if not, better to get used to these first before expanding.

2. Fix Your Rate Card

Most charging payments of virtual assistants are not straight-forward. Your rate will still be handled on a case-to-case basis but better to standardize for reference. You may place options in your rate card depending on the nature of work and the frequency of availing your services. Make sure to base your price on your length of experience and level of experience because your client will surely take that into consideration.

As an example, always keep in mind that VAs that are tech savvy and offer services that require technical skills like search engine optimization, website development, graphic design, and video editing, will most likely charge higher than generic VAs. This is because they have invested time and money into their training as well.

From here, check on what services you’ll allow being charged per hour, per month, or on a per-project basis.

3. Legally Set Up Your Business

Make sure to legally set up your business when starting out. Decide whether you’ll operate as a Sole Proprietor or a Limited Liability Company.

The fastest way to bring your business to life is by being a Sole Proprietor since there’s no special setup for this. The only downside for this option is that should there happen to your business, your personal assets will be at risk.

Another option is through the Limited Liability Company. There are more requirements needed for this route but what’s good about this is that your personal assets are protected just in case someone sues your business.

Aside from these, it’s better if you also prepare your contracts at the start. Have your templates ready including the necessary conditions between the client and you – from the payment, timeliness of payment, specifics on the services offered, and more. This will assure that both parties are covered should something come up.

For a smoother process, it’s recommended that you consult both an accountant and an attorney. This will ensure that your moves are in place before you fully offer your services.

4. Finalize Your Branding

After you’ve worked on the three prerequisites above, it’s now time to work on your branding. This is a crucial step as you won’t be able to fully market and sustain your business without your company name and logo. Make sure that your branding will fully encapsulates the services you are offering and the kind of service you are planning to offer to your clients.

5. Craft Your Social Media Platform and Website

One of the easiest ways to market yourself is through social media. We suggest that you separate your personal profile from your professional profile so that your posts and engagements won’t get mixed up. When setting up your pages, always ensure that your branding is well-represented in your account and that the services offered and rates are clear to the potential clients.

It’s also recommended to create a website to promote your business. It’s a more formal and professional way of introducing yourself to the market. Think of this as your virtual resume so make it count. Always remember that your services and pricing should not be the main start here. Ensure that you get to capitalize on this platform by showcasing your portfolio (the past works you’ve done) to add to your credibility. Don’t also forget to include where your audience can contact you as this is the most critical part of your website.

6. Find Your First Clients

Once you have set up everything, it’s now time to jump into the real world – finding clients. It may be daunting to contact your first lead and land your first client but you’ll get more comfortable as time passes by.

7. Attend training programs for virtual assistants

Attending training programs for virtual assistants is also a great way to hone your skills and find clients. Attending such programs before starting your virtual assistant career could give you an advantage. You’ll not only learn the foundations of being a virtual assistant, but you could also learn how to find clients.

Fully Booked VA and PinterestVA are some examples of those that offer virtual assistant training programs. You can learn from their online courses, get certificates, and get access to potential clients.

Where can a virtual assistant find clients?

The shift towards remote work increased the opportunities for virtual assistants. As a virtual assistant, knowing how to stand out among others would help you find clients.

Here are the top places you can explore to find clients:

  1. Get referrals from past or current clients
  2. Land clients from social media
  3. Find nearby businesses or communities in your city or town
  4. Visit reliable websites

Get referrals from past or current clients

Your past and current clients already have an idea of what you can do. You can find new clients by asking them if they know anyone who might need your services too.  

It highlights the significance of building a relationship with your clients since they can also be a testimony to the quality of your work and your work ethic. A bonus tip is that you can give them a simple gift or token whenever they give referrals. These incentives may encourage them to refer more people to you!

Land clients from social media

Social media plays a significant role in today’s modern world, especially for businesses. Since many people and businesses use social media, it makes it a great place to find clients.

Firstly, you can explore Facebook by joining groups and creating your business page. By joining paid or free Facebook groups, you can engage, contribute, and build rapport with potential clients. Although attracting clients is good, you also need to prioritize building connections or expanding your network.

For your business page, you can use it to promote your services, portfolio, testimonies, and service rates. It’ll help your future clients connect with you efficiently.

Similar to Facebook, you can also create an Instagram account for your business or services. Although Instagram doesn’t have the same functions as Facebook, you can still use it to showcase your work. It’ll help your potential clients get to know you further.

Apart from those social media apps, you can also create a website for your business. You can promote it on your social media accounts too!

Find nearby businesses or communities in your city or town

Going out of social media, you can also find clients in nearby businesses and communities. Try meeting people from your city or town to make connections. It’s also a great way for you to meet your fellow freelancers and learn a thing or two from them.

The goal of exploring social media and your local community is for you to reach where people are. It doesn’t only enable you to reach your family and friends, but also strangers and fellow virtual assistants. Immersing yourself in diverse communities will enlighten you on the needs of your target market.

Visit reliable websites

One of the easiest ways to scout opportunities is by visiting websites that are popular for freelance writing job postings. Here are some of the best ones that you can visit as a starter!

  • FiverrThis platform is one of the friendliest websites for starters. Although you won’t find a lot of high-paying opportunities there, it can be your stepping stone to building your portfolio and helping you build your professional experience.
  • FlexJobsFlexJobs is a job board that presents all remote work, both freelance and part-time, that you can apply for. They have a strict posting process that’s why it’s known that all the opportunities listed here are real. Because of the work done in preserving their name, they require all members to pay $14.95 per month. What’s good about them is that they offer a 30-day money-back guarantee. If you feel that their services and chances of landing a high-paying job are low, you may opt to ask for a refund.
  • UpworkUpwork is home to a lot of freelancers in the world. Because of the demand on this platform, there is a high chance that you’ll get a job lower than what you expected. The main advantage of this platform is that it has a user-friendly interface, making your chances of finding a job higher than the others.

Is it hard to become a virtual assistant?

The tasks performed by virtual assistants are similar to administrative or secretary work. The job might seem overwhelming due to the long list of administrative work; however, virtual assistants could have specific jobs based on one’s skill sets. For example, a virtual assistant may focus only on bookkeeping, customer support, or research.

Since virtual assistants work remotely, it eases the burden of frequently going to the office. Also, working from home allows you to work for different companies at once.

In terms of education, a college degree is not required to become a virtual assistant. However, having a degree will help you land your ideal clients. Virtual assistants are mostly required to undergo training and earn certifications. Since there are lots of administrative work, enhancing your skills is essential for the job.

Here are some of the skills that you can improve the quality of your work as a virtual assistant:

  • Organizational skills
  • Communication skills
  • Technological or Computer skills
  • Multitasking
  • Time management
  • Interpersonal skills

How to get my first job as a virtual assistant?

Searching for jobs online is a great start for new virtual assistants. There are many job postings for virtual assistants online, where you can filter them according to geographic location, salary, job type, schedule, company, etc.  

Jobs for virtual assistants are not limited to corporate companies. You can also apply in other industries such as healthcare, real estate, law firms, marketing agencies, and engineering firms. 

For your application to stand out, you can highlight your skills and the things you can contribute to the company. You can also share your achievements from training and workshops.

However, before you start your first job as a virtual assistant, keep in mind that you need to have equipment like a computer, microphone, and camera. If the job requires specific and specialized equipment, companies often provide them for you.  

How many hours do virtual assistants work?

Virtual assistants usually work for a minimum of 20 hours per week. However, some virtual assistants can work for less than 20 hours. Since it is much lower than the usual 30 to 40 hours per week, companies could decrease their costs.  

Also, there are available full-time and part-time jobs for virtual assistants. Some are required to work for specific hours while others are given a deadline instead.

For clients looking for a virtual assistant, requiring a minimum of 20 hours per week means that they could only work for you a couple of hours per day. It allows the virtual assistant to work for another client simultaneously to earn more. Hence, there are tendencies where they won’t be able to respond or attend to you quickly.

Are virtual assistants in demand?

Virtual assistants are considered an in-demand job due to the growth of online businesses and remote work. More companies have also begun outsourcing, which increased the opportunities for virtual assistants. By hiring virtual assistants, companies could have a diverse pool of talent, reduce the need for office space, lessen the burden of managing employees, and reduce costs.  

These are the specific in-demand virtual assistant services that companies look for:

  • Cold-calling
  • Taking customer calls
  • Email communications
  • Customer scheduling
  • File management and maintenance
  • Social media marketing
  • LinkedIn lead generation
  • Website design and development
  • Bookkeeping
  • Video editing

Companies hire virtual assistants to perform common and repetitive but essential tasks. By doing so, they can save time and focus more on other factors to further grow the company.

Is there an age limit for virtual assistants?

Age does not matter when applying for a virtual assistant job. As long as you are of legal age, you can work as a virtual assistant.

Apart from age, clients focus more on your skills, discipline and work ethic, communication skills, and willingness to learn and ask for help. These factors emphasize that being tech-savvy is not enough in becoming a good virtual assistant.

As mentioned earlier, clients also look at your education, training, and certifications. Examples of the certifications that you can earn are Certified Virtual Assistant, Microsoft Office Specialist, Google Ads Certification, and Language Certification.

How much does a virtual assistant make?

In the US, the average base salary of virtual assistants is $24.42 per hour, making it $73,555 per year. For basic jobs, the salary range is $8 to $12 per hour.

Since virtual assistance is remote work, you can also apply to more expensive cities or countries, which may increase your salary range. In the US, the top five highest-paying cities for virtual assistants are San Francisco, Fremont, San Jose, Oakland, and Tanaina.  

You can increase your income and earning potential by accommodating more clients, building a stable clientele, and specializing in services.  

Foodpanda is an online platform where Foodpanda merchants or Foodpanda sellers can sell their products to the platform users. Because of this, sellers can reach more potential customers. As of this writing, their mobile app has 50 million downloads. If you are a restaurant or a shop owner, this is one of the fastest and most cost-efficient ways to promote your business. In this article, we will discuss the Foodpanda Merchant Application process and the requirements that you need to submit to become a Foodpanda seller.

Foodpanda Merchant Requirements

Foodpanda merchant application process is done online and the requirements will be submitted during the application process. Below are the 6 required documents to become a Foodpanda seller.

  1. DTI Certificate of Business Name Registration
  2. Other DTI Forms – Form 9, 13, or 49 whichever is applicable
  3. BIR Certificate of Registraion
  4. Valid Government Issued ID of Owner or the Person in Charge of the store
  5. Halal Certification (if applicable)
  6. Clear copy of your menu (Scanned or picture taken by a camera)

Sample Merchant Requirements

Related article: How to become a GrabFood Merchant

How to apply in Foodpanda as a Seller?

foodpanda merchant application process

If you have the complete requirements already, you can now start the application process. Be sure to have all the requirements scanned because these will be uploaded during the application process. Once done, follow these steps to become a Foodpanda merchant.

  1. Go to Foodpanda merchant registration page then fill up the registration form.
  2. Foodpanda will review your requirements and then send the contract to you.
  3. Review the contract, sign it then send it back to Foodpanda.
  4. Upon submission, your shop will be available on Foodpanda app and then you can start selling.

Who can apply as Foodpanda Merchant?

To become a Foodpanda merchant, you must be of legal age and you must have a DTI registered business name and Certificate of Registration issued by the Bureau of Internal Revenue (BIR). Other than these document requirements, your restaurant or shop must also be in the areas where Foodpanda is operating.

Foodpanda Serviceable Areas

  1. National Capital Region (NCR)
  2. Tagaytay
  3. Bacoor
  4. Dasmarinas
  5. Malolos
  6. Meycauyan
  7. Marilao
  8. Cebu City
  9. Davao City
  10. Biñan
  11. Iligan City
  12. Ormoc City
  13. Angeles
  14. San Fernando
  15. Rizal
  16. Coronadal City

Foodpanda Merchant Fees

  1. Foodpanda charges restaurants and shop owners a commission of 25% – 30% per transaction.
  2. 1000 Pesos platform fee. If your revenue for using Foodpanda is less than 4,000, this platform fee can be waived.
  3. Online payments made by the customer have a 2% payment gateway fee.
  4. Phone calls made by customers via mobile app will incur additional charges.

Frequently Asked Questions

What percentage does Foodpanda take?

Foodpanda charges 25% to 30% commission per transaction.

Does Foodpanda have a markup?

No. Foodpanda does not have a markup. They collect 25% to 30% per transaction.

Does Foodpanda deliver at night?

The Foodpanda app is accessible 24/7 however, you can only order food from stores that are open at night.

Who is the CEO of Foodpanda Philippines?

Iacopo Rovere is the CEO and Managing Director of Foodpanda Philippines.

Do we need to hire our own riders?

No. You do not need to hire your own delivery riders. Foodpanda will handle the hiring of delivery riders.

Does Foodpanda have a merchant app?

Foodpanda will provide you with a device that has a built-in Foodpanda merchant app where you will receive orders from your customers. The app has a platform fee of 1,000 Pesos per month and the fee can be waived if your sales are less than 4,000 Pesos.

How to cancel Foodpanda merchant?

If you want to cancel Foodpanda as a merchant, simply email to request cancellation.

How to register at Foodpanda as a rider?

If you wish to register as a Foodpanda rider, visit foodpanda rider application guide for more info.

Related Articles:

Foodpanda Rider Application Process and Requirements

How to Franchise Toktok in Few Easy Steps

For those exploring the idea or considering a switch in careers, the biggest question is always “is it worth it?”. In this article we walk you through the different duties and responsibilities of a financial advisor, and what’s in it for you. Let’s start with the biggest question, how much does a financial advisor make in the Philippines?

Financial Advisor’s Salary:

Being a financial advisor in the Philippines can pay really well with the benefit of having flexible hours as a wonderful perk of the business. Depending on the company they are associated with, a financial advisor’s income may or may not have a provided allowance. But they all definitely enjoy uncapped earnings from commissions. Life and health insurance plans have commission rates that can range from 20% to 60%. A common goal of a financial advisor is to earn P1,200,000 in a year to qualify for the prestigious title of being part of the Million Dollar Round Table (MDRT). In 2015 the Philippines had the most number of MDRT financial advisors in South East Asia according to the Insurance Commissioner, Atty. Dennis B Funa.

On average a financial advisor earns P350,000 and can go all the way up from there. A financial advisor is actually one of the top 10 highest-paying jobs in the Philippines. That being said, there is nothing such as easy money, being a financial advisor is still a job with responsibilities to carry out. But it’s not as hard as you think. 

Financial Advisor Job Duties and Responsibilities:

1. Prospecting potential clients

Being a financial advisor will involve reaching out to contacts and networking. A large part of this job involves selling and is the ultimate way to earn a commission. If this is new territory for you, no need to worry because training is always provided. Knowing who to approach, what to say, and when to introduce your services will eventually come naturally. 

2. Understanding a client’s financial goals

This discussion with clients will bring about confidential information on clients earnings and personal details about spending habits (good and bad). It is important to let the client know that you can be trusted and professional throughout the discussion. The financial advisor advocacy comes in with educating clients on the proper way to save and allocate investments to prepare for future events; both seen and unforeseen. This discussion with them will include breaking down their spending and ensuring that a portion is set aside for goals they have set for themselves.

3. Matching your products to what will best suit the client’s needs.

With giving expert advice, product knowledge will be vital to achieving the best outcome for a client’s set goals. Understanding what each product has to offer at a minimum and its potential outcome will be very important.

4. Make certain that the client understands how a product works. 

It is the responsibility of the financial advisor to educate the client on the risks and benefits involved in purchasing a specific plan. Each product type has a payment time frame that a client must commit to for his own benefit, and for the financial advisor to be able to receive his commissions also.

5. Monitoring accounts and administrative tasks.

Keeping track of client accounts and making recommendations if there is a shift in goals is part of the continued service you provide a client. There will be some forms that need to be updated in those instances, which can be done in person, online, or via courier. 

6. After-sales service and assistance if and when needed.

Similar to the previous item, there will be some after-sales service that will be provided. Switching payment methods, changing beneficiaries, or updating signatures are simple transactions you will need to carry out. On rare occasions, assisting in collecting insured amounts when an unexpected death or illness happens would be the most crucial of all.

Financial Advisory Career Outlook:

As with any new career or business, there will be challenges at the get-go. But a slow start or a fully charged beginning does not dictate the success that will be achieved in this career. By using techniques taught during training and continuous application, those who have grit will succeed. This pandemic has reminded people of the fragility of life and the importance of preparing for the unexpected. The insurance industry is almost 200 years old in the Philippines, proving that it’s here to stay and support the Filipino people through its financial advisors.

The food industry is a luxurious industry but surviving the competition remains one of the biggest challenges of business owners. If you own a food business, you need to reach as many customers as possible in order to survive the competition. In order to do this, you need to know how to promote a food business effectively. In this article, we are going to discuss the benefits of becoming a Grabfood merchant and the registration process, and the requirements to become a GrabFood merchant.

What is a GrabFood merchant and how does it work?

To understand better what a Grabfood merchant is, we must know first what the Grab app is. Grab app is a mobile app that has 3 distinct features; Grabcar, GrabExpress, and GrabFood. Grabcar allows the transport of commuters from their desired pick-up location to their desired destination. On the other hand, GrabExpress allows door-to-door delivery of items not heavier than 20 kilograms. Typical items being delivered by GrabExpress are food, documents, and clothing. Lastly, GrabFood allows food sellers, also known as GrabFood merchants, to sell their products directly to the users of the Grab app. GrabFood riders will pick up the orders of the customers and deliver the food to the indicated delivery address. A GrabFood seller will be paid by the GrabFood rider whenever a customer orders from the app.

Benefits of being a merchant

  1. Increase your revenue as you reach more customers using the Grab app
  2. Instantly gain store visibility on Grab app that has millions of users
  3. Get free advertising from Grab’s marketing campaigns using email, SMS, Grab’s Facebook and Instagram account, etc.
  4. Special deals and promos activated by Grab without extra cost on your part
  5. Get customer feedback that you can use to improve your products and service
  6. Have access to food delivery services without the need for hiring delivery riders

Application Requirements

Only those with business permits and BIR registration are allowed to be food sellers on the Grab app. Without these documents, Grab will not allow you to be included in their platform. Here is the complete list of application requirements that you need to submit when you apply as a GrabFood merchant.

  1. BIR Certificate of Registration (COR)
  2. Business Permit / Mayor’s Permit
  3. Valid ID of the owner
  4. Special Power of Attorney (if the application is not being done by the owner)
  5. Valid ID of assigned Person in charge (if the application is not being done by the owner)
  6. DTI forms (Form 9, 13 or 49 whichever is applicable)
  7. Halal Certificate (if applicable)
  8. Food menu
Application Requirements for GrabFood

Related article: How to become a FoodPanda Merchant.

GrabFood Merchant Application Process

Time needed: 1 hour

Applying as a merchant is easy as long as you have the complete requirements already. Remember, only those with complete requirements will be allowed on the Grab platform.

  1. Go to GrabFood merchant application page and fill up the application form

    Select GrabFood merchant as a type of partnership then fill up the rest of the fields required.

  2. Check your email.

    The complete list of requirements and the instructions on how to proceed with the application will be sent to your email.

  3. Submit the requirements using the URL sent to your email

    Upload a clear copy of the requirements

  4. On-boarding

    Once approved, you will receive an email indicating the schedule of the training so that you can get started.

Merchant Fees

Grab collects a 20% to 30% commission for every transaction. This means that you will not spend anything if you didn’t earn from it. This makes Grab a risk-free marketing strategy and is one of the many reasons why we recommend this strategy in promoting your food business.

Contact Information and Office Address

Facebook Page: GrabFood PH
Instagram: GrabFood IG
Address: 12/F Grab Office Wilcon, IT Hub, 2251 Chino Roces Ave., Makati CityPhone no: (02) 8883 7100

The country has not seen normality in the past 2 years since the pandemic happened, it might as well be assumed that many of these changes are here to stay in the next three to five years. Though this new way of living seems permanent and as if life has come to a standstill, it does not mean that all jobs and every industry has suffered equally.  Even more so, it also does not mean your career progression or decision to shift career has to come to a full stop. In this article, we will discuss the top 10 highest-paying jobs in the Philippines. We will also consider the length of time for study, working hours, job description, and of course, the salary. As part of common advice, besides following the money, also consider where your interests lie. A progression in any career will depend on the depth of your knowledge and experience, which factors in the time you spend developing and practicing your new skills.

#1 Doctors/Surgeons

Doctor’s Job Description: Anywhere in the world, especially today, the medical field has increased its demand for these practitioners. There is a large variety of specializations that determines the years spent studying, which also equates to the amount earned later on. Providing continued care for patients, performing surgeries, organizing preventive medical programs, and referring patients to specialized medical care provided by the hospital.

How to Become a Doctor: Minimum three years for a pre-med bachelor’s degree and then four years for an M.D. course. After these seven years, about a year is taken to prepare for the board exam.

Doctor’s Working Hours: Average of 40- 60 hours a week

Doctor’s Salary: 1,200,000 – 1,260,000 per year

#2 C-level Executive

CEO or COO Job Description: Also known as a C-suite executive, these individuals take the highest positions in a company, particularly the Chief Executive Officer (CEO). Other examples of C-level positions are Chief Operating Officers, and Chief Financial Officers. The most power and influence are held by these people who direct company strategy, make high-stakes decisions, and oversee the day-to-day operations are all in line with company goals and objectives.

How to Become a C-level Executive: About 41% of C-level executives have a masters degree over their bachelors degree. This would be equivalent to an average of 6 years of study in total.

Executive’s Working Hours: Though there are no studies based for the Philippines, 9.7 hours per week according to a global study done by Harvard Business Review

C-level Executive Salary: 1,100,000- 1,160,000 yearly

#3 Lawyer

Lawyer’s Job Description: A lawyer’s interests lie in upholding the law and protecting their client’s rights. This involves a lot of research to gather evidence, approvals, and documentation, plus giving legal advice. A lawyer’s role also covers reviewing and managing estates, wills, trusts, contracts, and deeds. Another one of their responsibilities is managing processes for regulatory and compliance-related services. These are only some of the tasks that cover a lawyer’s job description and their focus will depend on the specialization they have chosen. Here are the areas they can specialize in: Constitutional Law, Criminal Law, Business Law, Labor Law, Civil Law, Tax Law, Family Law, and Environmental Law.

How to Become a Lawyer: Four years for an undergraduate degree, then another four years for a law degree. After these have been completed, there is a bar exam to pass. This would total eight years in school and an average of three to six months to review for the bar.

Lawyer’s Working Hours: Lawyers in larger firms work longer than 40 hours a week, this is also seen in data gathered by the Bureau of Labor Statistics in the US. It is estimated that the average working hours of a lawyer is 49.6 hours a week and possibly longer for larger firms.

Lawyer’s Salary: 900,000- 987,000 yearly

#4 Bank Manager

Bank Manager’s Job Description: Being in the manager position, this role oversees day-to-day operations with special attention to promoting and marketing the bank’s products and services to increase performance. This role also entails dealing with customers and addressing complaints, supervising approval of loans, preparing financial statements, preparation of budgets, and forecasts according to fiscal needs.

How to Become a Bank Manager: A bachelor’s degree, typically a course in business, economics, finance, management, or marketing, is the minimum requirement for this position. There is a small percentage of 13% that have a master’s degree for the role.

Bank Manager’s Working Hours: Bank open hours are usually from 9 am-5 pm and may have some weekend operations too. 

Bank Manager’s Salary: 971,000 yearly on average

#5 Art Director

Art Director’s Job description: An art director’s job description involves directing and coordinating projects from start to completion. He formulates design concepts and chooses elements, locations, or materials depending on the need of the client/company. At the end of each project the art director has to sign off and give his approval to the designers he manages before this is used on different types of media. An art director exhibits his mastery of different skills such as typography, image manipulation, animation, or illustration and mixes this with his knowledge of marketing design.

How to Become an Art Director: A bachelor’s degree is enough for this role but a portfolio proving creativity and experience will be required.

Art Director’s Working Hours: This is dependent on the industry that can vary from the usual 9 am-5 pm to very long working hours in large advertising agencies.

Art Director’s Salary: 831,432 yearly on average

Tip: You can become a home-based art director by becoming a virtual assistant. In this guide, you can learn how to become a VA (virtual assistant).

#6 Geologist

Geologist’s Job description: A Geologist provides support to engineering design and field programs through geologic/ geotechnical services they provide. This includes creating plans and managing geotechnical exploration programs. Depending on the project, it may involve assigning laboratory testing, soil and water sampling, studying geotechnical fields as well as soil and rock logging, etc. A geologist can create many different types of maps that can be applied for different uses, some of these maps can even predict volcano, earthquake, and landslide hazards.

How to Become a Geologist: A four-year course in BS Geology is required for this role and then a geologist licensure exam under the PRC needs to be passed. The three universities that offer BS Geology are Adamson University, Mapua Institute of Technology, and UP Diliman.

Geologist’s Working Hours: Normal office hours are still 9 am-5 pm but there is a lot of fieldwork involved that could make it longer or irregular at times.

Geologist’s Salary: 778,668 yearly on average

#7 Pilot

Pilot’s Job description: A pilot’s role is mainly to transport people, mail, and also freight for commercial purposes. Other responsibilities include checking documentation to determine safety and readiness before flight; factors such as weight/load, fuel supply, weather conditions, route, and schedule are all to be considered. If there is anything amiss they can order for changes, replenishment, or reduction, wherever they see appropriate before liftoff. As part of preparation before starting the engines, a pilot must also read gauges on oil supply, hydraulic fluid, cabin pressure, and others.

How to Become a Pilot: A college degree is not a prerequisite to becoming a pilot, though about 47% of pilots have a bachelor’s degree and 19% have a master’s degree. This is because major airlines have made it a requirement that their pilots are college graduates. A primary requirement to fly is passing the Private Pilot License exam and then earning the Commercial Pilot License after if you want to be paid to fly.

Pilot’s Working Hours: Needless to say, you should expect irregular working hours for this job. Schedules will be dependent on flight times whether it may be in the middle of the day, late nights, or early hours in the morning. And flight lengths will give you 3-hour shifts to 12-hour shifts depending on the route and the company.

Pilot’s Salary: 693,468 yearly

#8 Computer Programmer

Computer Programmer’s Job description: A computer programmer will normally know more than one programming language, and he will be referred to according to the language he will be using such as java programmer or according to the function he will perform such as web programmer, database programmer, etc. His skill is in the writing, modifying, debugging, and testing of computer codes for different types of software. After he has set up and tested the software it is also up to him to maintain and update it.

How to Become a Computer Programmer: A 4-year bachelor’s degree in computer science, information technology, or a similar course that has significant computer programming content.

Computer Programmer’s Working Hours: Typically they will be working 40 hours a week and 50 hours a week for some. Depending on the company they may be working alone or with a team, and may need to travel to client offices to provide training and support.

Computer Programmer’s Salary: 522,876 yearly

#9 Financial Advisor/Financial Broker

Financial Advisor’s Job description: A financial broker is a go-to person if you want to sell or buy financial or non-financial products. These individuals manage the portfolio of individuals or clients with the objective of higher income or growth. They may be involved in different dealings such as real estate, investments, and insurance. As an advisor, they forge relationships, act as a liaison between different groups/individuals, and perform administrative tasks.

You can read the full job description of financial advisors here.

How to Become a Financial Advisor: Anyone can be a financial advisor/broker, but you would have an advantage if you had a background in finance, only because a good understanding of the market and how it works is important. That being said, there is no pre-requisite course needed because training will be provided by the company plus a guiding manager will be assigned to you. The training period would be three to six months depending on the company.

Financial Advisor’s Working hours: Depending on the arrangement this may be a full-time 8-hour job or part-time with flexible hours.

Financial Advisor’s Salary: 350,000

#10 Civil Engineer

Civil Engineer’s Job description: Engineering duties are performed by a Civil Engineer which covers creating plans and designs, plus overseeing the construction and maintenance of buildings. The scope of their work also allows them to do the same for roads, airports, bridges, dams, power plants, waste disposal, and other infrastructures.

How to Become a Civil Engineer: Five-year course in BS Civil Engineering then a test under the PRC to get a license to practice.

Civil Engineer’s Working Hours: A 9 am-5 pm full-time job would be the norm for a civil engineer. But once they are involved in directing projects, longer hours will be needed than just the regular 8-hour shift.

Civil Engineer’s Salary: 256,815 yearly on average