Ayie
Working at home and getting a regular employment has its pros and cons but what would you prefer to do given the chance to choose among the two?



I have been working at home since I resigned from my office last 2008 doing my personal projects, just freelance. It's not easy but I had to do it that way because of some considerations. From then on I didn't get to be in a regular office employment. I like it because I get to focus and give more time at home attending to my husband and family and I don't really get bored at all since there's so much to do. It's no joke working at home (I guess if you are really a workaholic), aside from your usual daily works household chores demand some time too. Count cooking, cleaning home, groceries and miscellaneous errands with your work tasks. It's not that easy to juggle time. But the benefits of being home and not having to travel back and forth the office is very convenient. Income is not as consistent as regular employment too and benefits wise, it's also not covered. Sometimes I get torn between freelance and regular employment whenever I think of getting full work benefits, it's a tough call.

Having this arrangement, me and hubs often talk how can we secure our future. We are starting to build our family and we have to be financially secured to give a good decent life to our future kids. I think any parent would want to provide a better life for his/her kids. He has been curious with Stock Trading and brokerage but never got too deep into his researches. Mom also mentioned to me about stocks and I know she has some investments like that but how does it really work? Is it really worth getting into Online Trading for investment? What if the stock trading industry goes down, how can this affect you and your future investment? Things like these can be a win-lose situation so we have to be wise with our decisions. It's not bad to aim for a better future but we have to be realistic with our choices. We can opt to be an Online Broker but we have to assess if it's worth taking the risk, this involves big money and we all know those don't just grow on trees.

One online brokerage firm I checked was First trade. It allows customers to trade at very competitive costs may it be Stocks, IRA Accounts, Mutual Funds, Mobile Trading, Fixed Incomes, Options and ETFs. It has been up for he past 23 years and still standing strong.

Any of you who knows more about this? Please feel free to share, we will greatly appreciate it. Thanks!

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26 Responses
  1. ladyviral Says:

    I don't work from home, but I do wish I could. It would of been easier than going to work all day, and when you got nothing to do, we are just doing senseless things. If working from home, least we can do chores around the house.

    Wow you work with two monitors? Professional :x


  2. Ayie :I know some friends who work from home. But they are doing a special kind of job. A friend of mine Mr Geoff, is an engineer in New Zealand. He works from home and fly a helicopter (if needed) to farms repairing machines for farmers. He has steady income. But then, some free lance jobs earns very little income. For example, photography.

    Since I couldn't do like what Geoff is doing, i opt to find a full-time job with the government. Most people opt for government in Malaysia as it gives pension scheme. Basically, at our old age or during our retirement, we do not have to worry about our financial situation because we still receive our salary from the govt.

    However, good luck in your future undertakings.


  3. Tekkaus Says:

    Hmm....I thing I prefer to have a secure job and at the same time have a part time job? LOL :D


  4. Mummy Gwen Says:

    Wow..you work from home? How nice. When your little one is here, how are you going to work from home in peace...hehe.


  5. Cher Says:

    oh, how i wish i work from home, paid for blogging! lol!


  6. J.H Says:

    I work 9 to 5 job, I earn very good income to the point I can sponsor myself a working visa. But I guess as a mother I really want to work a freelance job like you. I miss you a great deal of my son's time and his affection, something that money can never buy. Having said that, me and my husband has agreed long ago, during his course of PhD since he is not the breadwinner, I will have to work, and so I did.
    I looked back into my own childhood, both of my parents are village doctors. They are busy for a good cause, not only for money, but to save people's life. I never hate my parents of course, but at times I do hope that my mom will choose me and my sister instead of the needy patients. I often envious to my classmate who always picked up by their mom, has home cook food for lunch, or has their mom to help them doing homework.
    If you ask me, personally, I think you made the right decision, to put your children/family mental needs on the top of physical needs.


  7. rainfield61 Says:

    Paid for blogging. LOLLLLLLL.

    I was paid RM50 for past one year effort.


  8. Anya Says:

    You have more time for blogging ^___^


  9. Oh sweetie
    I know what you mean about not have enough time to do everything...We have always lots of things to do at home and you have also your job at home! wow
    I guess, I would like to work at home as well!But here in fact, I'm only studying French for now and it's nice, I'm really happy! :)
    God bless you
    Léia


  10. Ayie Says:

    LadyV,

    We need bigger monitor or at least dual monitor even 3 when we do designs. It's more convenient to see layout plans without having to click on windows behind =)

    It's not easy working at home but anybody can make it work if really determined. I agree about wasted office time too.


  11. Ayie Says:

    Willie,

    I take Photography just as a hobby. It's good to be gov't employed. My mother in law used to work for the FBI here and now she's enjoying the benefits of her long term labor. Your friend is lucky to have such stable freelance job, it's a little saturated in my industry but still making it work. I'm still considering regular employment but for now I want to focus more on family. I don't need to provide for anybody anyway so it's ok.


  12. Ayie Says:

    Tekkaus,

    I did that too, I was regularly employed before and then I still do some part time but more in sideline type personal contacts.


  13. Ayie Says:

    Mummy Sexy,

    I still have clients in the Philippines and get to accept side projects here too so work at home works for me. I did that for a year back home and I managed despite taking care of naughty elisse. I think things will work out even if our little one comes because it's harder for me to leave baby alone to somebody else. I will just bear the challenge of juggling both professions being a mom and an architect.


  14. Ayie Says:

    Cher,

    It's not easy to work at home but I already got used to it since I've been doing it for almost 2yrs. After I got my board license I was lucky to get personal projects and that gave me a kickstart. Since I'm also mostly online I try to find other extra sources of income when I'm not too busy.


  15. Ayie Says:

    Jessica,

    My parents are both working too and everybody else at home were always busy. Before I migrated here in US my husband and I talked thoroughly about work conditions. We both agreed that i stay home since we are building our family. He's the one who has regular office job and I serve as a support with my other deals. It's great to hear you favor the idea of being home for the family.


  16. Ayie Says:

    Rainfield,

    You don't do it anymore? I am venturing on extra resources since I'm online most of the time. Architecture industry is still saturated at this point so I don't get to have many projects to work on. Better be productive and resourceful besides we're having an addition in few months time!


  17. Ayie Says:

    Anya,

    Very true, I can blog more now =)


  18. Ayie Says:

    Leia,

    How's the french lesson going? I am enjoying being home too, all my life I have been out and about during university days and when I was working. This way I can feel more being a wife and I can do more flexible things without compromising my time.


  19. ~dolly~ Says:

    I wish to work from home also.. coz more freedom.. T.T
    i also wish to learn how to do share trading.. haih...


  20. levian Says:

    i don't know much about stock trading. but currently, since i am working in the office, i like the division. meaning after i get home i don't have to think about work anymore. everything can just wait till the next day i am back in the office. :p but it could be fun working freelance, like what everyone said: freedom. :)


  21. Superman Says:

    Online stock trading is one of the way to make more money with the money you have. You can save more using online trading as no need to pay for brokerage fees of the remisier. Stock trading is a good investment when you really do it. Many trade stocks for a living. But beforehand, you need to study FA (Fundamental Analysis) and TA (Technical Analysis) first before start to really do stock trading. The risk for stock trading is high but the return will be high as well. I am planning to do that one day when I can. Got to get myself prepare first. Maybe a few hours trade already can make profits for months.


  22. Ayie Says:

    Dolly,

    you can do it too =)


  23. Ayie Says:

    Levian,

    it depends on the person, honestly I prefer to be regularly employed if I were in the Philippines since I can still do my personal freelance jobs. Here we're just being more practical with our choices.


  24. Ayie Says:

    Superman,

    Thanks for the great sharing! My husband really wants to do it but any of that requires money. Maybe in time.


  25. levian Says:

    the american way. :) it sounded nice to experience both. since the rest of us can really just experienced being employed. i guess both have its pros n cons? flexibility versus stability. :) i imagined doing freelance needs a lot of connections?


  26. Ayie Says:

    Levian,

    It's very hard to do freelance if you didn't have any good background with the field and connections. Pros and cons...yes! must be weighed good.


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