loaded money

Man Utd haven't spent the Ronaldo money on players, so where has it gone?

noreply@blogger.com (Kazuya Garo) — Fri, 04 Sep 2009 08:53:00 +0000

Sir Alex Ferguson has not replaced Ronaldo, so perhaps United fans should expect the Old Trafford toilets to get a makeover

The £80m received by Manchester United for Cristiano Ronaldo has not been spent on a replacement. Photograph: Paulo Cunha/EPA

Manchester United fans not wholly convinced by their team's performances, balance and strength in depth so far this season can take comfort from the explanations provided throughout the summer, that Sir Alex Ferguson's decision to spend little of the £80m received for Cristiano Ronaldo has nothing to do with the massive debts loaded on the club.

As the transfer window closed, Sir Alex Ferguson stayed true to his resolution, that he is happy with his squad, the market is overpriced and, perhaps most oddly, that in the whole of world football, the players are simply not there with the skill and psychological equipment worthy of a Manchester United squad number. In a summer of perpetual rumour, the only player United confirmed Ferguson genuinely did want was Karim Benzema, and after the French striker was swept up in Real Madrid's trolley dash round the Pannini sticker album, Ferguson did not look for another.

So United head for the heart of the season having replaced Ronaldo, who scored 25 goals last year in all competitions, and Carlos Tevez, who scored 15 while regularly being held in reserve, with Michael Owen, signed on a free after stumbling through 10 goals in a wretched flail against Newcastle's impending relegation. Ferguson is clearly confident that £17m spent on Luis Antonio Valencia (three goals for Wigan last year) will prove a prudent investment while Gabriel Obertan, the 20 year old French striker who played just eight league matches for champions Bordeaux and went on loan to mid-table Lorient, has been tracked as one for the future.

Throughout the summer, while Ferguson was emphasising his disdain for a market in which Real, with borrowed euros, and Manchester City, with Abu Dhabi oil riches, were the most substantial spenders, United's owners wanted it to be known that they had not banked the Ronaldo money to help deal with the debt.

The accounts for the thicket of Manchester United companies, which begin with a football club based in Stretford and ultimately lodge the Glazer family's ownership in the low tax, Las Vegas, roulette wheel US State of Nevada, were most recently filed for the year to June 2008. They showed the club £699m in debt to banks and hedge funds, three years after the Glazers borrowed £525m to finance their 2005 takeover. The interest payable in just three years after that, by a club always previously debt-free, has been a barely believable £263m.

That is money from fans, TV and other commercial income which could have been put to all manner of better uses. Yet even with the massive interest paid out, the debt the Glazers originally loaded on to United has continued to climb, because the most expensive borrowing, from hedge funds at 14.25% interest a year, has not actually been paid, but "rolls up" and is added to the total amount owed.

In Seoul on the United's pre-season tour, the Glazer family's spokesman stressed to the accompanying media that United, Ferguson included, did, despite all that, have £60m to spend. Even though United lost £44.8m last year, because of the £69m interest payable, the spokesman pointed to the club's booming turnover, and operating profit, to say the money was there if Ferguson chose to spend it.

"The manager has a significant amount of money to invest if he wants to," the spokesman, Tehsin Nayani, said. "The delay [in signing anybody] is because the manager has not been able to locate the players that he believes fit the Manchester United mindset.

"We are talking about a net amount of about £60m, and that is cash that can be reinvested in the squad, doing up the toilets or new carpets."

The transfer market may, as Ferguson complains, be inflated, although City have seen it as a buyer's summer, with some players available at fair enough prices because many clubs are in a financial squeeze. At Old Trafford, though, the argument has held: Ferguson has simply not wanted any more players for his squad even though all that money was available to him, and the Glazers have not insisted on banking it to fend off the vast debts with which they loaded the club.

Protesting United fans have been told from the beginning that they are being financially naïve and illiterate to think that hundreds of millions of pounds of debt, to pay for a takeover none of them wanted, will have any actual effect on their club. The Glazers have been able to point to three Premier League titles won since they arrived, and the 2008 European Champions League trophy, as strong evidence for the argument that nobody should worry about the debt.

Now, with Ronaldo and Tevez departed, and the blessed Paul Scholes and Ryan Giggs scampering towards their sunsets, we can only keep taking the owners at their word, because there is no way of seeing where the £80m Ronaldo money has actually gone. As the transfer window has closed without much of the spare £60m reinvested in the squad, United fans know what to look excitedly out for: a wondrous new experience in the Old Trafford toilets, or some of the plushest carpets in world football.

Hearts Club raises tree money at old school

noreply@blogger.com (Kazuya Garo) — Fri, 04 Sep 2009 08:49:00 +0000

There's more than bargains filling the building where the Hearts Club's flea market is held every other week.

The old high school on East Poplar is also filled with memories.

Although the space that used to be divided into classrooms is now divided only by wall studs, many of those walking through the building as they shopped Saturday remembered “this was Mrs. Maude Hopkins' home economics room,” or “This was Mrs. Reeves' class.”

The windows of the school building have been replaced by its owner, Kirk Boatright, and the use of the building donated to the club for its fundraising efforts to pay for the town's huge Christmas tree.

The tree is believed to be the tallest in Oklahoma and has been set up the last two years on Centennial Square. However, the Hearts Club is three $5,000 payments away from having the note paid off, said Theda Rowan, who spearheads the group.

With Boatright donating the space for the flea market and getting all the goods donated for the sale, the Hearts Club has raised much of this year's payment through its bi-weekly garage sale, Rowan said. In fact, the event has been so successful that it may be held weekly.

Terry Beutelschies of Fort Gibson headed for the checkout Saturday with her arms loaded with rolls of wallpaper she had found at the flea market.

“I like the good bargains,” she said.

Her mother, Peggy (Gilliam) McClellan, loaded up on bargains. She had a stack of dishes, a roll of wallpaper and other items.

But she also liked being in the old school she attended.

Where she was standing — that was Mrs. Reeves’ class, McClellan remembered.

The Spend-And-Borrow Economy

noreply@blogger.com (Kazuya Garo) — Sun, 30 Aug 2009 13:28:00 +0000

What's the exit strategy from the monetary and fiscal easing?

In the last few months the world economy has been saved from a near-depression. That feat has been achieved by a range of extraordinary government stimulus measures: In the U.S. and in China, and to a lesser extent in Europe, Japan and other countries, governments have pumped liquidity, slashed policy rates, cut taxes, primed demand and ring-fenced and back-stopped the financial system. All of this has worked, but at a cost. Governments have been spending and borrowing like never before. The question now is: how do they stop?

This is not a simple problem. Restore normality too soon and the risk is that a weak recovery will double dip into a second and deeper recession. Restore it too late and inflation will already be ingrained.

Consider how much has been committed and how much has been spent. In the U.S. alone, when you add up the government's liquidity support measures, its re-capitalizations of banks, its guarantees of bad assets, its extension of deposit insurance and guarantees of unsecured bank debt, at least $12 trillion has been committed, and a quarter of that has already been spent. Along with the rise in spending there has also been a very large fiscal stimulus, pushing the federal budget deficit to 13% of gross domestic product this year. (Next year, on current plans, the deficit will fall back but still amount to 10% of GDP.)

Not all the measures adopted appear on the budgetary bottom line. As well as monetary easing and fiscal stimulus, the U.S. and other governments have resorted to unconventional measures to ease monetary conditions. In the U.S., Japan and the U.K., real interest rates have been pushed down to zero, and governments have resorted to buying long-dated securities, the goal of which--only partially achieved--was to hold down long-term interest rates.

The Fed, for example, has committed to spending $1.8 trillion on longer-dated Treasury bonds and other securities, but most of this spending is money the government has printed itself, simply by creating central bank monetary base. It doesn't add to the budget deficit, although it does add to the long-term risk profile of the government doing the spending as monetization of fiscal deficit can eventually be inflationary.

This massive escalation of central government spending and borrowing was necessary. For most of last year, governments lagged well behind the curve of the unfolding crisis. For too long policymakers continued to believe that the house-price bubble was an isolated aberration that would self-correct without impacting the wider economy, and that the unprecedented growth in household indebtedness was not a matter of concern. By the final quarter of last year, however, the global economy was in freefall, with industrial production, private demand, employment and broad GDP all contracting at a rate indicating something close to depression at hand. Policymakers suddenly went into corrective overdrive in late 2008--not a moment too soon.

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But the main thing about this article is Roubini has never touched the aspect of scarcity of resources ... It would have been altogether a different story and the US economy would have saved from the....

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The second-quarter GDP estimates for the U.S. show just how significant this aggressive front-loaded policy stimulus has been. While total GDP growth was sharply negative in the first quarter--around -5.6%--the rate of decline in the second quarter had moderated to around -1.5%. Credit this relative improvement to governmental monetary, fiscal and financial stimulus. The private components of GDP, private demand and capital expenditure, were actually still very weak. But government spending rose by 5.6%, breaking what otherwise would have been another quarter of headlong GDP contraction.

Necessary as the stimulus has been, it cannot go on indefinitely. Governments cannot run deficits of 10% or more of GDP, and they cannot go on doubling the monetary base, without eventually stoking inflation expectations, pushing up long-term interest rates and eventually eroding their very viability as sovereign borrowers. Not even the U.S. can do that.

The fiscal implications of the current policy package are particularly serious. For the time being, fiscal policy has been put at the service of survival, but the current price of survival is that net public debt is going to double as a share of GDP between 2008 and 2014. Even using the very optimistic forecasts of the Congressional Budget Office, which anticipate growth of around 4% over the next few years, the net debt burden will rise from 40% of GDP to 80%--that's an increase in the debt stock of about $9 trillion. The interest charge alone on that increased debt will be in the region of $300 billion to $400 billion a year, which in turn may mean more borrowing to pay the interest if primary deficits are not reduced. When governments reach the point where they are borrowing to pay the interest on their borrowing they are coming dangerously close to running a sovereign Ponzi scheme.

Ponzi schemes have a way of ending unhappily. To get out of the Ponzi trap, governments will have to raise taxes, or cut spending, or monetize the debt--or most likely do some combination of all three.

Monetization is already happening. This is where a government effectively prints money by allowing the central bank to create base money that is used to buy government debt, thereby increasing liquidity and holding down long-term interest rates (because the additional demand for these securities pushes up bond prices, thereby lowering the real interest rate the securities pay, as well as putting money into the pockets of the investors who have sold the securities).

Over time, monetization is inflationary, but the inflationary effect is insidious because it is not immediately visible. In the short run deflation will outplay inflation. In most developed countries today there is so much slack in economies, with weak demand and high unemployment, that prices cannot rise. The velocity of money is also weak, as financial institutions are receiving liquidity from central banks and hoarding it to rebuild their balance sheets, instead of lending it out. But as the economy recovers, these effects will abate, and the growth of the monetary base caused by monetization will eventually drive expected and actual inflation. And once markets start to anticipate that scenario, it may already be too late to avert an inflationary surge.

Simply issuing debt in the form of Treasury bonds offers no escape. The more debt a government issues, the higher the risk it will eventually face refinancing problems and/or default on that debt. Accordingly, investors will demand a higher return for investing in that debt, and that in turn will push up rates. Independent rating agencies have already downgraded the sovereign risk rating of countries like Greece and Ireland, and it cannot be ruled out that core economies of the OECD, including the U.S., could eventually be downgraded.

As it happens, there is little sign today of investors demanding a significantly higher risk premium on U.S. government debt. That is partly because private savings are increasing: Those savings have to be invested somewhere and investors are cautious about alternative investments. Foreign demand for U.S. bonds also remains robust so far. But this demand is unlikely to survive another big round of government-financed stimulus and bailout spending. And unfortunately, such a spending round is rather likely.

Consider that by the end of 2010 most of the tax cuts legislated by the Bush administration in 2001 and 2003 are due to expire. This means that there will be a sharp tax hike, including income taxes, capital gains taxes and taxes on dividends and estates. This hike--equivalent to around 1.5% to 2% of GDP--is already factored in to future calculations of government indebtedness. So if by next year the recovery proves as anemic as I expect, and if unemployment is around 10.5%-11%, as I also expect, then the pressure for another stimulus round early in 2010 will be strong.

A rough calculation goes like this: Stimulus money to keep the lid on rising unemployment is likely to be around $200 billion. Add to that the likely temporary partial extension of the Bush tax cuts and funding of the current administration's plans for universal health care (an additional bill of around $1.5 trillion over 10 years) and you get deficits close to12% of GDP.

This amounts to a fiscal train wreck. For the U.S., it means deficits could remain over 10% of GDP for years. Bond issuance will remain enormous, and it will mean that the Fed will almost certainly have to monetize a proportion of the debt by buying even more government or government-backed securities.

A combination of higher official indebtedness and monetization has the potential to yield the worst of all worlds, pushing up long-term rates and generating increased inflation expectations before a convincing return to growth takes hold. An early return to higher long-term rates will crowd out private demand, as lending rates on mortgages and personal and corporate loans rise too. It is unlikely that actual inflation will emerge this year or even next, but inflation expectations as reflected in long-term interest rates could well be rising later in 2010. This would represent a serious threat to economic recovery, which is predicated on the idea that the actual borrowing rates that individuals and businesses pay will remain low for an extended period.

Yet the alternative--the early withdrawal of the stimulus drug that governments have been dispensing so freely--is even more serious. The present administration believes that deflation is a worse threat than inflation. They are right to think that. Trying to rebuild public finances at a deflationary moment--a time when unemployment is rising, and private demand is still contracting--could be catastrophic, turning recovery into renewed recession.

History offers more than one example of this error. It happened in Japan in the late 1990s when the Japanese government feared the effects of fiscal deficits and of an increase in inflation as the economy was beginning to recover after almost a decade of deflation. Consumption taxes were raised too soon and the "zero interest rate policy" was abandoned. Within a year the economy was back in recession.

It also happened in the U.S. in the 1930s. President Roosevelt instituted a massive stimulus package when he came to office in 1933, to push the U.S. economy out of the depression, but by 1937 the administration was worrying that inflation was returning and that deficits were too large; so it cut spending and raised rates and the Fed tightened monetary policy. By 1938 the economy was heading back into near-depression.

So policymakers are between a rock and a hard place. Stop spending now and risk renewed recession and deeper deflation (stag-deflation). Keep spending now and risk renewed recession amid rising inflation expectations (stagflation).

Yet there is a space between the rock and the hard place. It is not a big space, but it is there.

Governments will have to manage perceptions. Today investors remain willing to bankroll federal spending without any clear or firm indication of how the fiscal crisis--and it is a crisis of extraordinary proportions--is going to be dealt with. That won't last. Clear indications will soon be needed as to how and when public finances will be repaired. That doesn't have to be accomplished soon--but it does have to be communicated soon.

Monetary policy can most likely remain looser for longer (in the developed economies at least)--as long as there is a clear commitment to fiscal consolidation. But a credible fiscal commitment to medium-term fiscal sustainability is vital, because that is what will open up the very narrow window that is the exit route from our current and unsustainable spend-and-borrow economy.

Nouriel Roubini, a professor at the Stern Business School at New York University and chairman of Roubini Global Economics, is a weekly columnist for Forbes.

Army aims to stop flow of paper money to Iraq, Afghanistan

noreply@blogger.com (Kazuya Garo) — Thu, 27 Aug 2009 00:42:00 +0000

In this file photo, Ziyad Kareem, whose restaurant was destroyed by a car bomb explosion in Baghdad's Adhamiyah district, thanks Capt. Patrick Soule, commander of Company D, 2nd Battalion, 4th Infantry Regiment, 4th Brigade Combat Team, 10th Mountain Division, after signing the final paperwork for a micro grant to rebuild his restaurant. By Oct. 1, the Army is aiming to go cashless in Iraq and Afghanistan when writing up contracts with local vendors. Instead of paying those it does business with in U.S. currency, the Army will pay the vendors via electronic funds transfer through the banks of Afghanistan or Iraq.

Sgt. Jerry Saslav
In this file photo, Ziyad Kareem, whose restaurant was destroyed by a car bomb explosion in Baghdad's Adhamiyah district, thanks Capt. Patrick Soule, commander of Company D, 2nd Battalion, 4th Infantry Regiment, 4th Brigade Combat Team, 10th Mountain Division, after signing the final paperwork for a micro grant to rebuild his restaurant. By Oct. 1, the Army is aiming to go cashless in Iraq and Afghanistan when writing up contracts with local vendors. Instead of paying those it does business with in U.S. currency, the Army will pay the vendors via electronic funds transfer through the banks of Afghanistan or Iraq.

WASHINGTON (Army News Service, Aug. 25, 2009) -- The United States hasn't gone cashless quite yet, but in Afghanistan and Iraq, that's the goal -- at least when it comes to the way the Army plans to conduct business there.

Brig. Gen. Phillip E. McGhee, director of Resource Management for U.S. Army Forces, U.S. Central Command, said by the beginning of the fiscal year, Oct. 1, the Army will go cashless in theater when writing up contracts with local vendors.

Instead of paying those it does business with in U.S. currency, the Army will pay the vendors via electronic funds transfer through the banks of Afghanistan or Iraq.

"What we are going to do effective Oct. 1, is we will write the contracts in U.S. dollars and they will be paid through the Iraqi and Afghan banking system in local currency -- that's huge," McGhee said, adding that by mid-August, the contracts will be written in local currency.

Today, the Army brings about $42 million in cash into theater each month. That's down from about $192 million in cash each month last year. Back in 2003, the Army brought in as much as $400 million a month in American currency.

"The reason you did it was because Iraq and Afghanistan didn't have banking systems that you could get money out of it, or do transfers," McGhee said. "So there was a necessity to have cash on the battlefield."

McGhee said the Army loaded those millions of dollars in currency onto pallets in the United States and flew it to Kuwait, where it was broken down for distribution into theater. At the lowest levels, money was handed out the back of mine resistant ambush protected vehicles to the contractors the Department of Defense did business with.

"We actually outfitted MRAPs as Wells Fargo/Brinks trucks and moved cash around the battlefield like that, because it is dangerous out there," McGhee said.

But as banking systems in Iraq and Afghanistan have matured, due to the efforts of the U.S. State Department, the U.S. Treasury and other nations, some banks in theater are now approved for business with the Army. And that means instead of bringing cash into theater, the Army can now deposit money into banks electronically and pay contractors via electronic funds transfer. And contractors can pay their own workers via funds transfer as well.

Less U.S. currency floating around, and more money moving through the banking systems to fill accounts, means less cost for the Army to do business in theater, reduced risk of providing cash to facilitate insurgent operations, and increased confidence in the local currency and banking system, McGhee said.

"When you're using U.S. dollars on the battlefield, there's George Washington, Hamilton, and Lincoln. That's not an Afghan face, that's a U.S. face on it," McGhee said. "Instead you have an Afghani and Dinar -- and now you start to build confidence in their currency and in their systems. That is what we are attempting to do."

Conducting business electronically also saves the Army money, McGhee said. Bringing cash into theater is expensive, due to the security risks involved and the cost of transportation. Spread out over the number of payments the Army currently makes, the cost of dealing in cash is about $32 dollars a payment.

"An electronic funds transfer costs us about $2.50," McGhee said, saying the move to EFT will save the Army about $20 million a year.

Electronic payments are also about safety. Insurgents like to work with paper money, McGhee said, especially American currency.

"You see on the news where they kick down doors, they pull weapons out, pull explosives out, and they pull U.S. currency out," McGhee said. "U.S. currency is the currency of choice for Al-Qaeda and insurgents because you can use those U.S. dollars anywhere in the world. We are reducing that source of funds for Al-Qaeda."

How to find the money for that holiday

noreply@blogger.com (Kazuya Garo) — Wed, 26 Aug 2009 06:31:00 +0000

A trip to Greece need not be out of the question if you have the right funding plan.

Changing the way you pay makes for a more affordable break, writes Jane E. Fraser.

The piggy bank might be a bit depleted but you still want a holiday. And, judging by the results of recent surveys, you will probably find a way to take one. Australians continue to prioritise travel, with research showing the economic downturn has had limited impact on travel plans (see panel, right).

One way of finding the money for a holiday in tough times is to look for ways to spread the cost of your trip.

Instead of forking out hundreds or thousands of dollars in one hit, you can often break it up into chunks over several months, or more.

Adventure travel operator Kumuka Worldwide has recognised an opportunity, with a new payment plan allowing travellers to pay for their trips in monthly instalments. There are no financial penalties for paying this way, making it a useful way to spread the cost (the final balance must be paid 60 days prior to departure).

It will be interesting to see if other companies follow suit but, in the meantime, there are other ways you can break up the cost of your holiday.

One of the most obvious is to plan ahead and pay a deposit on a holiday for next year or later this year.

The key to making this work is to have a plan to save the remainder prior to the final payment being due, to avoid a last-minute panic.

One of the best ways to do this is to set up an online saver account, with an automatic weekly or monthly transfer through your account (many banks offer free online saver accounts).

If you have less time to play with, another option is to book a trip that includes a "local payment" or "travel kitty" paid on arrival.

This allows you to pay in three chunks: a deposit, a second payment and then the local payment on arrival.

Local payments are usually charged in US dollars and occasionally in the local currency of that country, so it pays to keep an eye on exchange rates and change your money at an advantageous time.

You could spread the cost even further by changing money over several months, although you need to be wary of transaction costs.

A good option for a holiday where you are paying for things as you go is to get a travel money card or debit card and load some money on to it each week or month to build up a fund.

There are many cards available but one of the best is the Wizard Clear Advantage MasterCard, which has no annual fee and charges no currency conversion fees for purchases you make overseas.

The card is a credit card but can be pre-loaded with your own money, which gets used up before you start using credit.

I would never recommend taking a holiday entirely on credit but combining pre-paid arrangements or a debit card with a credit card can further spread the cost.

Depending on the length of your trip, you might be able to spread your credit over more than one statement period, giving you more time to pay it off when you get home.

If you are planning a resort holiday, some have meal packages that can be pre-paid (and usually represent good value).

You might be able to pay for the accommodation, then add the meal package sometime prior to departure, leaving you with only drinks and activities to pay for on arrival.

One last thing to be wary of when trying to space out a holiday budget is last-minute costs.

Make sure your passport is renewed in plenty of time and that you get any visas you need well in advance.

And ensure you factor travel insurance into your early arrangements, for the sake of covering your prepaid bookings as well as managing your budget.

THE HOLIDAY BUG

AUSSIES have long been regarded as determined travellers and it seems not much will stand in our way.

The latest figures released by Roy Morgan Research show that while consumer confidence has plummeted over the past 18 months, the percentage of Australians taking a holiday has not declined.

And while many will be travelling more modestly or shortening their time away, overseas trips are certainly not off the agenda.

Nearly one-fifth of Australians took an overseas holiday in the 12 months to March and the intention to take an overseas holiday in the near future remains surprisingly strong.

The international director of tourism, travel and leisure at Roy Morgan, Jane Ianniello, says while competitive pricing and air access to new destinations have contributed to the trend, there has also been an increase in the percentage of Australians who say it “only feels like a holiday if I leave Australia”.

Eat at home, save money and calories

noreply@blogger.com (Kazuya Garo) — Tue, 25 Aug 2009 00:34:00 +0000

A table filled with fresh, healthy alternatives to fast food and sauce-heavy restaurant fare (photo: http://www.flickr.com/photos/avlxyz/55346526/)

The stay-at-home mantra has been around as long as fast food has been luring an unsuspecting public out to eat with super-size french fries: Eating at home (and takeout doesn't count) saves money and calories. Compared with just a few years ago, more people are dealing with their current economic situation by following that mantra and eating at home more often.

Think about it. When a family of four goes out for dinner, the expenses build up:

• Gas to and from the restaurant—hybrid or no, the miles add up.
• Drinks—a soda or iced tea at home costs almost a dollar less than it does in a restaurant, and a cocktail or two build the tab up quickly.
• Appetizer and/or dessert—servers always try to up-sell a table by suggesting these extras, which up the calorie intake and wreak havoc on portion control efforts.
• Meals—considering how much it would cost to make the meals at home, the restaurant is making a killing on each meal while often passing on extra calories and fat, which would not make it onto the plate at home.
•Tip—for average service, a 20 percent tip is the norm; a bill of $30 calls for a $6 tip.

It makes sense on a lot of levels to eat at home. Try these tested tips to save money and calories on homemade meals:

Do some savvy grocery shopping and plan each week's meals ahead of time. Savvy grocery shopping includes using coupons for items normally purchased or for items that pique interest; don't use coupons just to use coupons, because generic items can still cost less than a name-brand item with a coupon. Do the quick math at the store to see which item is the true bargain. Not all generics are created equal, but many are hard to tell apart from the name brands.

Pay attention to what's on sale, and where. Don't drive to one store for just one or two items; make the gas to and from the store(s) worth using by consolidating all your shopping into one trip per week.

Stick to a list. Knowing what is needed in advance keeps the shopping excursion on track and the receipt shorter. Also, whatever happens,do not go to the market while hungry; those hunger pangs make picking up an extra bag of chips or container of ice cream seem like a perfectly logical idea. Remember: If it's not on the list, don't buy it.

Shop the perimeter of the store for the majority of the list. That's where most of the fresh items (i.e., not high-sodium, processed boxed items) are located. The fruits and vegetables, dairy case, meat counter and bakery line the building, and those are the kinds of foods that add up to a healthy diet.

Try new recipes to keep meals interesting. Stay away from frying foods and using heavy creams for sauces. For example, gazpacho—a cold summer soup—is about as low in calories as a meal gets, and it's loaded with fresh veggies: tomatoes, cucumbers, green pepper, onion, fresh basil all thrown into a food processor. The stove doesn't even get turned on and the table is set with a gorgeous, healthy, exciting meal. Or try an Italian caprese salad, made with sliced tomatoes, fresh mozzarella and basil leaves, drizzled with balsamic vinaigrette. Or slice up several cheeses with crusty bread and a salad. Or create a hearty stock-based soup with whatever vegetables are in season. Or fire up the charcoal and grill tilapia, new potatoes and asparagus. The healthy choices are boundless.

Pay attention to the monthly bills. While grocery shopping ups the monthly expenses a bit, the drop from not eating out as often is noticeably greater. Notice, too, what the bathroom scale says. Chances are that at least a few pounds will slowly come off, and possibly more. And perhaps most important, check with the entire family to see how they feel since limiting outside meals and processed, fat-laden foods in enormous portions. The benefits of home cooking will surely outweigh the lure of monstrous meals that bust a gut and break the bank.

For more info: Dirty Dishes Cause Debt

Make the most of your money in the Windy City

noreply@blogger.com (Kazuya Garo) — Mon, 24 Aug 2009 00:56:00 +0000

Whether you're planning a trip to Chicago for the first time or for the 10th time, there will almost always be an attraction, exhibit, place to eat or show to see in the Windy City that you've never experienced. For Michigan residents, Chicago is an ideal destination for a weekend trip or weeklong vacation. And there are ways to get around without breaking the bank.

The Chicago CityPass is a convenient way of seeing the major attractions in the city at a discounted price. For $69, the passes are good for nine days. It lets you bypass long ticket lines at the Shedd Aquarium, Field Museum & Underground Adventure, Adler Planetarium, Museum of Science & Industry and the John Hancock Observatory or Skydeck Chicago and some even offer entrance to special exhibits.

Places to see

• Shedd Aquarium: Your ticket is valid for aquarium galleries, special exhibits, Amazon Rising, Oceanarium, Wild Reef and 4D Theater. First incorporated in 1924, the aquarium is home to 32,500 animals covering 422,000 square feet from sharks to penguins. An underwater viewing area offers an even closer look at the animals in their surroundings. The Polar Play Zone of penguins, belugas and sea stars lets kids have fun with play areas where they can dress in a penguin suit or climb into a kid-sized submarine. More info: www.sheddaquarium.org

• Field Museum: The pirate exhibit is going on until Oct. 25. Buy your ticket (which is separate from admission to museum) early because they sell out - especially on the weekends. Another popular attraction is Sue, what the museum calls the largest, most complete preserved Tyrannosaurus rex fossil. The museum also currently has on display a collection of photographs from the Civil Rights Movement. More than 150 photos, some more recognizable than others but all equally iconic, have been taken by amateurs, photojournalists and other artists and show the vision of activists and students who pioneered the movement. This exhibit lasts until Sept. 7. More info: www.fieldmuseum.org

• Adler Planetarium: Explore the universe and shoot for the moon at this astronomy museum. Along with the Shedd and Field Museum, the three attractions are part of Museum Campus, as three draws to the city. Museum Campus is a lakefront park that surrounds the three places. At the planetarium the theater plays two shows: "The 3D Universe," which is a musical tour of the universe, and "Fly Me to the Moon," which is in its final weeks of showing, and is a space adventure with the Apollo 11 crew. The planetarium is hands-on, as you'll look through telescopes and Moon "jump" on the Lunar Leap. More info: www.adlerplanetarium.org

• Museum of Science and Industry: More than 200 actual artifacts are on display at the Harry Potter exhibit in Chicago until Sept. 27, including Harry's original wand and eyeglasses and Gryffindor's school uniforms. It's an exhibit that requires a separate ticket that sells out quickly and time for this attraction is specific, so plan accordingly. The exhibit is making a U.S. tour, and Chicago is the only Midwest stop. The current movie out in theaters, "Harry Potter and the Half-Blood Prince," also is being shown at the museum in Imax. Tickets for the movie is separate. More info: www.msichicago.org

• John Hancock Observatory and Willis Tower Skydeck: There's a way to visit both attractions without having to pay for both. The Signature Lounge at the Hancock's 96th floor is free admission - provided you buy a drink, which all are more than $11 for mixed drinks. But still, that's less than the price of admission if you also want to go to Sears Tower, and the view of the city and skyline makes it worth it. Be prepared to wait in a line, however. One floor below is the Signature Room restaurant, with 360-degree views of the city. You'll have to make reservations here. More info: www.hancock-observatory.com

Formerly known as the Sears Tower, the view of the city from the Willis Tower Skydeck is unparalleled. On the clearest of days, you can even see Michigan from the tallest tower in North America. The building's name changed just last month, as the new owners moved in - London-based insurance broker Willis Group Holdings. But if you talk to the people of Chicago, they're not calling it Willis Tower at all, at least not yet. More info: www.theskydeck.com

Places to eat

A trip to Chicago isn't complete without Chicago-style deep dish pizza or their hot dogs, loaded with mustard, onion, dill pickle, pepper and relish. Right outside the Field Museum, there's a hot dog stand that's perfect for a quick snack after your visit there. As for the pizza, Lou Malnati's won't disappoint. The Deluxe is a combination of cheese, sausage, mushrooms onions and green peppers. And the Lou combines spinach, mushrooms and tomatoes with mozzarella, romano and cheddar cheeses. They even offer your pizza crust-free. Wherever you go though for deep dish pizza, know that the wait time will be about 25 minutes up to 45 minutes.

If you're looking for something new, try these spots, where best of all, it won't hurt your wallet, not even for dinner:

• Joy Yee's Noodles: Located in the city's Chinatown neighborhood (and other locations in the suburbs), this is unlike any other Chinese restaurant. They have an extensive menu that combines different dishes and styles that you wouldn't expect to go together. For example, the Pineapple Boat combines chicken and shrimp fried rice and is served in a pineapple half. The pineapple pieces in this dish are warm and add a fruity kick. The presentation of their food is impressive. Other rice dishes are served in a bamboo pot, and the portions are large (splitting one entree is enough if you also order an appetizer) and the price are reasonable. Their menu also includes Thai dishes and appetizers such as onion oyster cake, lobster meatballs and butter fried squid. But their real speciality might be in their smoothies, bubble tea and other drinks. There's usually a line out the door for those who only want something to sip. They're served over a large glass that holds you over for your entire meal.

• Ann Sather Restaurant: With four locations in Chicago, this restaurant specializes in Swedish cuisine. It's the hotspot for brunch as their locations are open for half the day. For a little bit of everything, the menu item featuring one Swedish pancake, one Swedish meatball and one Swedish potato sausage is more than enough - especially since it (and most other items) come with two sides, ranging from homestyle potatoes to cinnamon rolls. Their eggs benedict offerings also range from the crab cake benedict (poached eggs, Cajun crab cake and Hollandaise sauce) and the smoked salmon benedict (poached eggs, Norwegian salmon, fresh dill and Hollandaise sauce).

• Joy's Noodles and Rice: Located in the Boys Town neighborhood, this BYOB spot is a place for good Thai. Dishes are divided into noodles, curry and rice. Recommended menu items include the chicken coconut curry, pad khee mao (stir-fried wide rice noodles with basil leaves, carrots, green beans, baby corn, tomato and hot pepper) and of course, the pad thai. A great appetizer item is the super combo, which offers fried shu mai (a type of dumpling), crab rangoon, fried won ton and fried tofu for $7.50. Don't forget the wine if you choose - they'll supply the corkscrew.

• Rock Bottom Brewery: Yes, it's a chain with locations across both coasts and the Midwest but, hey, there isn't one in Michigan. They only serve their own beer specialities that's brewed on site. There's also a rooftop bar but if you're hungry, eat first in the dining room and then make your way upstairs - their menu is limited to certain appetizers. Don't worry about finishing your beer either because they'll pour it into a plastic cup for you to enjoy on the roof.

Is the Recession Finally Starting to Turn Around?

noreply@blogger.com (Kazuya Garo) — Mon, 24 Aug 2009 00:44:00 +0000

Companies starting to rehire laid-off workers

There are a lot of different factors that could be signs of the recession easing up. Though in some sectors we’re still seeing evidence that the recession continues to get worse, a few rays of hope are starting to shine through.
CNN Money reports that companies are starting to recall previously laid off workers, giving them back their old jobs. This is a good sign that economic conditions are improving. Paired with the stable unemployment rate, I’d say there’s definitely potential for some prosperous days ahead.

Other economic indicators

JP Morgan Chase has lost a lot of money in its credit card division, and this company sees that as a sign that the recession is not getting any better, especially because it is continuing to lose money. However, I think it’s a sign that people are getting smarter about credit and discovering alternatives like installment loans instead of using their credit cards like there’s no tomorrow.
I think the fact that people are using credit cards less even though there are strong indicators that economic conditions are improving is another piece of evidence to support the idea that people are simply changing the way they spend money and use credit. Here are some statistics from CNN Money that show we’re headed for better economic times:

About 38% of employers have indicated they anticipate some type of recall of cut workers, according to a recent report from the Labor Department.
General Motors, Ford Motor, Dell, AK Steel and truck maker Oshkosh, have already reached out to previously laid-off employees to meet rising demand.
In a survey, 18% of laid-off workers who landed new positions were rehired by the employer that let them go, up from 13% in 2005, according to Right Management’s outplacement services, a division of Manpower.

Not out of the woods yet

Though some companies are able and willing to rehire their laid-off workers now, the economy is still pretty unstable, and we will definitely still see more layoffs before the recession ends. But it’s important to remember that laid-off workers really can and do get hired back by their former employers.

Getting laid off is tough. It makes people scared, depressed and usually very angry. However, remember that if you get laid off, the way you handle it could come back to haunt you later. It’s easy to have fantasies about telling off your employer and saying all of those horrible things you’ve imagined saying to your coworkers, but finding a job is not easy, and if you have the chance to get your old job back while you’re still looking for another, wouldn’t you want to take it. So always leave companies on a good note. Don’t count on being rehired, but make sure you consider the possibility that it could happen and behave accordingly.

More from CNN Money:

There are many upsides to rehiring former employees, according to management professor Peter Cappelli of the University of Pennsylvania’s Wharton School of Business. The positives include savings on recruiting and training costs, maintaining associations between customers and employees, and the fact that the rehired employee doesn’t need an introduction to his or her colleagues.
But redundant firing and hiring can also be costly for the company, particularly in the form of severance payments, and can even be disruptive to workforce performance.

Money shouldn’t be a problem

noreply@blogger.com (Kazuya Garo) — Sun, 23 Aug 2009 13:50:00 +0000

Fame and fortune: Shirley Conran

Superwoman author and women’s rights campaigner wants a simpler tax system and says women must learn to handle their own finances.

Shirley Conran is an internationally-renowned writer and campaigner for women’s rights. Her latest project is to help teenage girls better understand money. Her new book, Money stuff for girls, will be published next month.

She was married to design tycoon Sir Terence Conran. Their two sons, Sebastian and Jasper, are also designers. She lives on her own in Putney, in southwest London.

Conran, 76, is famed for her books including Superwoman (1974), a guide to household management, as well as novels such as Lace, which was an international bestseller in 1983. She became the first women’s editor of The Observer colour magazine and then women’s editor of the Daily Mail.

How much money do you have in your wallet?

I carry enough for two longish taxi fares.

What credit cards do you use?

I have two. One with Coutts and the other with Barclays. I pay my bills in full each month. I took out the Barclays card because I travel a lot and I don’t want to be caught out. Recently, after attending a wedding in Thailand, I had to settle my £4000 hotel bill at 7am. I only had the Coutts card then, but it was rejected. I eventually talked my way out of it, but the manager had to be woken up to sanction it.

Are you a saver or a spender?

Theoretically, I’m a saver, as all my money is in cash. I moved out of equities at the end of 2006. I wanted to reduce risk because I didn’t like what was going on in the City — it had a bad whiff about it. I spread my money around different currencies to hedge against fluctuations. What I resent is the little or no money I get on my savings. I blame (Prime Minister) Gordon Brown. One way or another, he has cost me hundreds of thousands of pounds in interest because rates are so low. Brown is making gamblers out of pensioners who do not want to gamble.

How much did you earn last year?

Not much at all. My income is mainly royalties, and returns from investments and cash deposits. As I haven’t had anything coming in from investments for the past two years, and cash is paying close to nothing, I’m having to live off my capital.

Have you ever been really hard up?

When I got divorced in 1962, I found myself in a desperate situation. I didn’t get any money from the divorce because I was earning at the time. Terence did pay towards the school fees, though.

I remember one year, when Sebastian was about 13, he wanted a pair of boots for Christmas. They cost £12 but I couldn’t afford it. I said I’d pay for one boot if he paid for the other from his allowance. Jasper never had a bicycle as a young boy. The first thing we did when I got the money from writing Superwoman was buy him a bike.

Do you own a property?

I own one. It’s a 2000 sq ft flat in a modern building. I bought it in 1997. It started off with five bedrooms, but I’ve converted it, so it has three larger bedrooms instead.

What was your first job?

Being a public relations officer for a jewellery firm, Asprey Suchy, when I was 19. They specialise in gold plating. It was great fun. All I had to do was to have lunch with important women and ask if they’d like to wear pieces of our jewellery. I earned £12 a week.

What has been your most lucrative work?

In the ’80s, the features editor of the Daily Mail rang me up asking if I’d write an article about how to take off your bra on the beach. I sat down roaring with laughter and wrote it in half an hour. It was the easiest £300 I ever made.

Are you better off than your parents?

Difficult to say. My father worked for Lloyd’s of London and owned several dry-cleaning businesses.

What’s better — property or pension?

I never bought into a pension. I hate the idea of leaving so much of my money in other people’s hands. If you do have a pension, I think property should always be part of it.

What’s been your best investment?

The time I spent writing. I received a record advance for Lace. That, plus the movie rights, amounted to a small seven-figure sum. I was in New York when I heard the deal had gone through so I bought a hairbrush for 22 as a treat. I sweated all night feeling guilty about spending so much on a hairbrush. I later bought an apartment in New York with some of the money. It was 1500 sq ft opposite City Hall with a lovely view of the Brooklyn Bridge. It cost 60000. I sold it in 1994 for several times more.

What about worst?

I invested in gold in the early ’80s. I thought it was time to sell when it hit 500 an ounce, so I rang my broker in the morning. I rang again later that day to discover he hadn’t sold. He said I forgot to place a stop-loss order. The price fell to about 270 and I lost about £100000.

Why is it important to help girls learn about money?

The financial world is loaded against women. I was part of the ’70s women’s movement, but I think that many women are fearful of money. A structured programme tailored to them would help build confidence.

Do you manage your own financial affairs?

Since I was about 50 I’ve been doing my own book- keeping, although I have someone to help out as well.

What’s the most extravagant thing you have ever bought?

A Christian Dior dressing gown, which I bought in 1985. It cost about £750. I never regretted buying it for one instant. Novelists spend a lot of time in their dressing gowns.

What is your money weakness?

Truffles. I would have said travelling around the world — which I’ve done about eight times — but it’s always been at other people’s expense.

What aspect of the tax system would you change?

I think it should be made much simpler. I’m all for having no allowances whatsoever so long as an equitable alternative can be worked out. Complicating the tax system is another thing I blame Gordon Brown for.

What is your financial priority?

To make the Money stuff for girls project succeed.

What is the most important lesson you have learnt about money? Learn to look after it yourself. — Additional reporting by The Sunday Times, London

7 tips to save money while job hunting + free resume’ copies

noreply@blogger.com (Kazuya Garo) — Sun, 23 Aug 2009 13:49:00 +0000

Atlanta Journal-Constitution business reporter Michael E. Kanell reported this morning that 493,748 unemployed Georgians were looking for work in July, up 64 percent a year ago, according to state Labor Department estimates.

Job fairs are popular these days. You can save money on your job search. Photo: Elissa Eubanks

While there are reports the economy is slowly recovering, the story here in Georgia remains unnerving. The unemployment rate went up to 10.3 percent, nearly a full percentage point above the national level. That means a lot of people are standing in long lines at job fairs, driving countless miles across the metro area seeking employment and spending money on interview clothes, photocopies of resumes, gas and more.

Looking for a job is tough emotionally, and can be a challenge financially as well. The phrase it takes money to make money is true. With that, here are 7 tips to help you save money while you’re job hunting. This won’t ensure employment, but at least keeping a few more dollars in your pocket might alleviate some of the headaches.

This will help, too. Office Depot has an offer for 25 free resume copies and free faxes to five different domestic numbers, up to 25 pages total, through the end of the year. All you have to do is ask.

For more useful tips on job hunting, please visit ajc.com’s jobs blog, Blog Break. You’ll find it loaded with helpful information, like how to dress, where to look, what trends are out there and how you can separate yourself from the pack.

Come Gets The money

noreply@blogger.com (Kazuya Garo) — Sun, 23 Aug 2009 13:29:00 +0000

Apabila di soal-siasat oleh rakan-rakan mengenai sistem rahsia yang berjaya menjadikan saya seorang jutawan sekelip mata di usia muda 29 tahun...

“Internet Surfer Melayu Yang Pemalas Mengakui Memperolehi Pendapatan Konsisten Melalui Internet Sebanyak RM26,769.00 Sebulan Dan Menjamin Bahawa Teknik Ini Adalah 100% Halal!”

Lihat bagaimana anda juga boleh menggunakan teknik luar biasa saya ini untuk memenuhkan bank akaun anda sehingga RM500,000 secara autopilot...

Saya dapat RM892.30 setiap hari, caya tak caya... anda juga boleh memenuhkan bank akaun anda seperti saya di bawah:

Dari Bilik Hotel Suite Di Tengah Kota Amsterdam, Belanda:

Cerita yang saya akan kongsi kepada anda ini cukup luar biasa dan memang agak pelik juga.

Pelik kerana saya seorang yang berbangsa Melayu... baru melangkaui usia muda 29 tahun dan TIDAK mempunyai sebarang pekerjaan tetap tetapi mempunyai cukup wang untuk melancong berbulan-bulan lamanya dari satu negara ke negara lain dan dari satu hotel suite ke hotel suite yang lain.

Hakikat sebenarnya - kehidupan mewah saya dengan segala room service (makanan di hantar ke bilik) ini di biayai penuh dengan teknik-teknik luar biasa melalui Internet yang memerlukan saya bekerja hanya 4 jam seminggu dengan laptop saya di mana-mana samada di bilik hotel saya atau mencari mana-mana Starbucks yang mempunyai perkhidmatan Wi-Fi.

Teknik-teknik luar biasa yang saya gunakan ini, anda tidak akan dapat perolehi di mana-mana forum, halaman-halaman blog, di MPH atau mana-mana E-Book di luar sana kerana ia agak underground (bawah tanah!) - tidak di ketahui ramai kecuali beberapa mat-saleh mentor saya.

Teknik bawah tanah rahsia saya - saya namakan ia Teknik Duit Dalam 10 Minit ini cukup memberangsangkan walaupun sedikit kotor tetapi dijamin 100% halal di sisi undang-undang!

Tetapi sebelum itu, jika anda pernah jumpa sebelum ini halaman web seperti ini saya meminta anda membaca dahulu dan teliti setiap maklumat yang saya cerita di bawah dahulu. Tidak merugikan langsung untuk sekurang-kurangnya mendengar al-kisah saya ini.

Teknik yang saya gunakan sebenarnya boleh di tiru dan digunakan oleh sesiapa untuk mula menjana pendapatan sekelip mata dalam masa 10 minit. Anda terkejut dan tak percaya? Ya, betul dalam masa 10 minit. Ini bukan gimik seperti yang anda pernah dengar sebelum ini...

Dengar sendiri kisah seorang yang berjaya mempelajari teknik rahsia saya...

"Aku dapat keuntungan bersih lebih dari RM10,000 sebulan melakukan kerja-kerja di depan komputer selama 2 jam sehari"

Hello, camna kau boleh selamba aje bagi rahsia-rahsia ini kepada orang lain!

Aku dulu pun tak berapa confiden dengan teknik-teknik engkau, pasal dah pernah mencuba macam-macam benda lain seperti pelaburan Internet dan lain-lain. Tetapi teknik-teknik yang ko cerita ini memang benar-benar luar biasa!

Engkau memang ajar cara yang sebetulnya untuk buat duit di Internet dari pelbagai sudut. Teknik-teknik ini... aku lebih suka panggil formula-formula ko ini pada aku adalah cara sebenar untuk buat duit di Internet hari ini.

Aku sekarang tengah gunakan hanya salah satu teknik yang kau ajar untuk dapat lebih dari RM10,000 sebulan! Belum cuba lain-lain. Kalau aku buat lain-lain, entah berapa lagi pendapatan aku lepas ini.

Terima kasih kerana pasal engkaulah aku berjaya jual besi buruk Proton aku dan pakai Honda Civic sekarang ini. Korang semua kalau nak jadi macam aku... kena dengar cakap Sifu Man ini!

Ramly
Miri, Sarawak

Tetapi sebelum saya bercerita panjang lagi, anda mungkin akan seronok untuk mendengar bahawa teknik luar biasa saya ini BUKAN mengenai:

Google Adwords: teknik saya ini tidak ada kena mengena dengan sebarang PPC seperti Adwords atau Adbrite. Tidak perlu belanja duit untuk jana duit dalam 10 minit lagi...

Google Adsense: Cara untuk menjana wang melalui Adsense hanya jika anda mempunyai beribu-ribu blog dalam Bahasa Inggeris menggunakan keyword-keyword seperti "legal", "DUI lawyer" dan lain-lain. Atau anda mempunyai blog di dalam Bahasa Inggeris yang popular seperti labnol, liewcf, malaysia-today dan lain-lain. Teknik saya ini tidak menggunakan Adsense!

Kaedah SEO: Tak payah teruk-teruk nak mencuba bagi halaman blog anda keluar nombor satu (PR Ranking) di Google. Buang masa dan buang beras aje!

Bukan Affiliate Marketing: Kalau anda pernah cuba memasuki mana-mana program affiliate dan cuba email kawan-kawan anda? Tak payah buang masa, terus terang saya cakap anda gerenti gagal! Takde kawan-kawan anda yang akan masuk punya.
Bukan Skim Pelaburan Internet: Macam mana orang boleh percaya dan bagi sampai RM100,000 untuk mendapat pulangan sampai 200% saya tak tau macam mana nak cakap lagi dah.... Hello, pernah dengar Ponzi dan Pak Man Telo?
Bukan Skim Piramid atau MLM: Jika anda ingat sekadar ada AJL tu maknanya pendapatan anda terjamin? Hello... 99% orang yang join MLM akan gagal... ini realiti! Bukan salah sapa.... sekadar law of mathematics sahaja!
Bukan E-Bay, Forex dan lain-lain: Bukan... bukan... bukan... bukan seperti yang anda pernah dengar sebelum ini. Saya jamin!

Saya bukan nak salahkan anda jika pernah ter-CUBA segala yang di atas ini kerana saya sendiri sudah terkena lagi dan lagi dan lagi.... Kita serupa!

Tidak Perlu Halaman Web: Tak perlu PHP, html, wordpress apa kejadah lagi. Semuanya, ikut langkah demi langkah... jalan duit masuk!

Tidak perlu pengetahuan perniagaan dan komputer: Kalau anda pakar komputer lagi bagus... tetapi hakikat sebenar kalau sekadar tekan beberapa klik seminit dua setiap malam, seorang newbie pun boleh senang-senang buat duit. Tak perlu sebarang pengetahuan perniagaan, anda buat, duit masuk Paypal, Paypal keluar ke Al-Rajhi... anda tekan ATM... itu aje!

Modal: Kebanyakan teknik-teknik yang saya cerita tidak perlu modal sesen pun untuk start buat duit dalam masa 10 minit selepas anda mencubanya. Tetapi hakikatnya ada beberapa teknik yang anda perlu beli domain dan lain-lain seperti itu. Sekadar bayar $6.95 ke Godaddy untuk membeli domain dan buat beribu-ribu US dollar sebaik saja lakukannya hanya orang yang tidak kisah tentang duit sahaja yang akan lepaskan peluang ini... serius!

Tahu Bahasa Inggeris: Macam ini lah, kebanyakan kita dah belajar Bahasa Inggeris sejak darjah satu lagi. Saya jamin jika anda bersekolah dari darjah satu hingga ke tingkatan lima anda patut faham dan boleh lakukan teknik-teknik ini. Jika tak boleh jugak, senang... duduk di rumah dan mimpi buat duit siang dan malam sahajalah!

Terlalu susah dan complicated: Apa yang anda perlu lakukan macam ini, baca langkah 1, masuk Internet dan ikut sebijik-bijik macam saya cerita... tak susah, senang sahaja saya jamin.

Jika anda pernah dengar janji-janji manis seperti di atas ini, ya saya mengaku saya juga pernah terbeli dan terbaca banyak salesletter seperti ini di Clickbank sebelum ini dan sedikit sebanyak terpengaruh juga TETAPI teknik-teknik ini saya benar-benar telah gunakan untuk menjana wang yang terlalu banyak di Internet.

Yang pasti, hanya satu yang membezakan antara seorang yang sekadar dapat menjana RM500 sebulan dan seorang yang menjana RM20K ke atas sebulan...

Ia adalah teknik yang digunakan... orang yang berjaya adalah orang yang sentiasa menggunakan teknik terkini dan ehem "underground". Sekadar belajar bagaimana untuk membina halaman web atau blog dan sertai program affiliate atau memasang kod untuk Adsense bukan cara sebenar untuk buat duit! Ini hakikatnya... percayalah! Jika anda pernah pergi ke mana-mana seminar di Malaysia dan belajar mengenai ini, anda boleh "kiss goodbye" dengan pelaburan anda itu.

Dengar seorang lagi yang berjaya menggunakan teknik-teknik saya.

"Sekarang dapat RM8,000 sebulan, secara sambilan sahaja... masyuk!"

Hi Semua,

I dahulu macam semua orang lah. Duit sentiasa tak cukup. Lebih-lebih lagi dengan kos saraan hidup yang semakin naik hari ini.

Teknik you memang benar-benar menjadi. Masa mula-mula terjumpa you punya website ini macam teragak-agaklah juga. Tetapi bila di cuba, memang betul seperti yang you cakap.

Saya cukup kagum dengan setiap teknik diberikan. Cara you terang pun senang sekali. Saya sudah dapat lihat dalam RM8,000 masuk setiap bulan sekarang. Semua ke dalam Paypal saya seperti di bawah.

Berikut duit yang masuk ke dalam akaun Paypal saya:

Terima kasih.. terima kasih... terima kasih!

Mila
Bandar Tun Razak, KL

Mengenai diri saya...

Ikhlaslah, untuk anda jana wang... perlu ke anda kenal betul-betul saya ini siapa? Bapa saya siapa? Emak saya siapa? Saya pernah bagi seminar ke atau tidak belakang kira. Yang penting, anda benar-benar boleh buat duit dengan teknik-teknik saya, itu yang penting!

Bagaimanapun, sekurang-kurangnya anda tahu nama saya sudah cukup bagus. Nama saya Man dan ini adalah kronologi kejadian bagaimana saya menjumpai teknik-teknik luar biasa saya ini:

Semasa di sekolah. Cikgu tanya apa yang saya ingin lakukan bila besar nanti. Saya jawab saya tak nak kerja dan mahu tidur senang lenang siang dan malam. Kena marah dengan cikgu dan terpaksa berdiri atas kerusi sepanjang kelas.

Semasa di universiti. Kelas tutorial tak pergi langsung satu semester. Coursework thesis yang diberi masa 2 bulan untuk dilakukan, saya buat dalam satu malam sebelum deadline dan dapat A+. Tutor matsaleh tak puas-hati!

2000. Join syarikat multinational bertaraf dunia. Kawan-kawan ingat saya kaya tetapi kedekut. Tolak kereta, sewa, life insurance, makan... satu sen pun tak dapat menyimpan, inikan pula nak belanja kawan-kawan!

2005. Geram budak mentah baru join boleh naik pangkat. Gaji tak naik-naik. Tak puas-hati, masuk MLM... Tak tahan, upline suruh ke hulu-hilir sampai ke malam buta. RM2,000 duit pinjam dari mak hangus! Stok vitamin menimbun, takde sapa guna.

Awal 2006. Kawan-kawan cerita boleh buat duit kat Internet! Lagi percubaan untuk buat duit atas angin. Masuk pelaburan Internet ikut ustaz dan artis-artis.... duit hangus!

Awal 2007. Information overload! Banyak sangat teknik buat duit di Internet... satu pun tak buat, duit satu sen pun tak masuk. Nak design website dan buka blog pun tak reti-reti. Beli domain dan hosting tak pakai-pakai. Nasib badan!

Tengah 2007. Borak dengan mentor di forum DP. Dapat mula buat duit selepas belajar teknik-teknik daripada dia. Mula dapat RM10,000 sebulan. Jumpa bos dan bagi surat berhenti dan gelak tak henti-henti. Bos ingat saya dah gila!

Akhir 2007. Tak tahan dengan cuaca panas Malaysia. Nak kena air-cond semulajadi, renew paspot dan pergi jalan-jalan makan angin di Eropah. Balik Malaysia sekali sekala. Jadi penghuni tetap hotel-hotel di Eropah. Pendapatan sekarang naik RM20,000 sebulan!

Januari 2008. Semasa makan kebab di London terserempak dengan orang Malaysia dan tanya saya kerja apa. Tak tau camna nak cerita, saya cakap saya jual dadah! Diaorang terus menghilang...

Awal 2008. Tak boleh duduk senang. Boring, kena bagitau orang camna saya buat duit. Tulis buku dan cipta halaman web dengan bayar orang di Rentacoder.

Baru-baru ini semasa sedang membeli barang di 7-Eleven, otak saya terfikir - mengapa mereka ini semua (termasuk anda) perlu kerja bertungkus-lumus dari pagi hingga ke malam sedangkan saya boleh lepak gitu aje dan bersenang-lenang buat duit beribu-ribu US dollar tak buat apa-apa pun.

Jawapannya - ia adalah lumrah dunia... orang yang bekerja paling sedikit atau tidak kerja langsung adalah orang yang paling banyak duit dan orang yang paling banyak buat kerja selalunya yang termiskin. Fikir sendiri samada kenyataan saya betul atau tidak? Yang membezakan hanyalah teknik yang digunakan.

Tahniah kerana mulai hari ini, dunia ini akan menjadi milik anda. Akhirnya, tiba pula masa untuk anda...

"Bebas Dari Cengkaman Bos Anda dan tidak akan diperkotak-katikkan lagi sampai bila-bila... Anda sendiri tentukan hidup dan masa depan anda selepas ini”

Dalam masa beberapa saat lagi, anda akan diboloskan dengan rahsia-rahsia saya yang selama ini di berikan kepada beberapa rakan saya dengan membayar US$5,000 setiap seorang untuk mendapatkannya.

Langkah-langkah yang boleh digunakan untuk mendapat kejayaan seperti berikut :

"Duit Masuk Dalam Bank Tak Henti-Henti!"

Wow, apa yang you ajar memang betul menjadi. Saya rasa hidup saya dah berubah sejak belajar dari you. Buku you memang mudah, direct to the point. Saya baca dalam masa beberapa minit terus buat! Terlalu senang nak buat terutamanya untuk orang seperti saya yang buta IT ini.

Saya dahulu dah mencuba macam-macam. Banyak habis duit pergi seminar dan lain-lain. Rupa-rupanya begitu mudah sebenarnya buat duit kat Internet ini. Formulanya hanya baca buku you dan buat! Itu saja...

Kalau you all masih baru dalam dunia Internet ini. Nasihat saya ialah untuk mendengar dan mengikuti Man ini.

Man... you're the man!

Rahim
PD, Negeri Sembilan

Atas hanya beberapa sahaja contoh pelajar-pelajar yang berjaya mempraktikkan teknik-teknik saya sehingga berjaya menjana hingga ke RM10,000 sebulan.

Mereka ini semua sudah bebas kewangan. Tiada lagi bos, tidak perlu kerja lagi, tiada kerisauan lagi.

“Anda juga boleh menjadi seperti mereka!”

Kekayaan dari duit Internet ini telah membenarkan saya hidup bebas di mana-mana. Tetapi sudah semestinya saya masih mempunyai harta yang banyak di Malaysia. Ini saya simpan supaya saya dapat guna apabila kembali ke tanahair sekali-sekala.

Saja Nak Menunjuk Gaya Hidup Mewah

Saya tidak mahu menjamin yang anda akan dapat sebijik seperti apa yang saya capai di bawah. Ia bergantung kepada diri masing-masing. Cuma saya perlu untuk menunjuk-nunjuk kepada semua apa yang saya sudah perolehi hasil dari pendapatan Internet saya selama ini.

Sebuah rumah Semi-D mewah... semua hasil dari duit lubang Internet saya! Saya diami rumah ini apabila kembali atau berada di tanahair dari pengembaraan pelancongan dunia saya.

Kereta BMW 3.25 E90 saya yang ditinggalkan dengan kawan semasa saya berada di luar negara. Saya cukup enjoy bawa kereta ini bila balik Malaysia. Memang seronok kat highway potong mat-mat Proton perasan "Fast and The Furious" tu. Minyak naik... hehehe! So what?
Seronok melancong ke luar negara ini. Hehe... sebenarnya saya memanjang hidup melancong sahaja. Bayangkan kehidupan anda jika anda sentiasa melancong sepanjang tahun. Seronok...

Pendapatan melalui Internet ini memang cukup berbeza sekali dengan cara mencari pendapatan lain:

Anda boleh kerja dari mana-mana di dunia ini.
Pendapatan anda tiada had: Anda boleh mencapai berjuta-juta pelanggan dengan hanya satu klik, secara PERCUMA!
Tak banyak modal. Bayangkan hanya kurang dari RM100 untuk membina empire anda serata dunia.
Margin keuntungan anda memang cukup melampau, tambahan pula tidak perlu kedai, pekerja-pekerja, tiada sebarang aset, tidak perlu meminta apa-apa lesen dari sesiapa. Hanya keuntungan bersih masuk poket.
Anda boleh kerja pada bila-bila masa sesuka hati anda. Tiada jam loceng, tidak perlu melalui kesesakan lalulintas, tiada bos, tiada masa pejabat. Dengan pendapatan tinggi yang meningkat dari hari ke hari, anda akan bekerja makin kurang dan kurang. Bukan seperti di alam pejabat hari ini, lagi naik pangkat, lagi banyak kerja pula.

"Mengapa Saya Cerita Ini Semua?"

Ini pertanyaan yang biasa saya dapat. Mengapa pula saya cerita ini semua kepada anda?

Tak payah dolak-dalih... mudah. Saya ingin menjana lebih banyak wang secara mudah!

Saya sudah pasti anda mesti ingat, saya lakukan ini semata-mata untuk menjual informasi rahsia ini kepada anda? BUKAN!

Bukan juga saya lakukan kerana ingin membantu sesiapa.

Maaf, mungkin anda berfikir saya sedikit tamak tetapi...

Tujuan sebenar saya ialah untuk membina pasukan unit khas yang akan saya sebarkan info terkini maklumat mencipta wang secara bukan-bukan saya apabila ia menjelma. Kemudian, kita akan berkongsi sebarang keuntungan dari teknik-teknik tersebut secara perkongsian 60/40! Fair?

Idea ini saya dapat semasa percutian saya di London. Seorang bellboy hotel berbangsa Melayu (penduduk tetap UK) yang saya telah kenali dengan agak rapat juga semasa saya berada di hotel tersebut cukup pelik dan kagum dengan gaya hidup mewah saya. Satu hari, agaknya dia sudah tak sabar lagi, dia bertanya "Encik ini kerja apa sampai boleh hidup mewah berbulan-bulan lamanya, tetapi saya tidak pernah nampak Encik bekerja pun?"

Saya ketawa. Mula-mula saya nak bagi tau dia saya ini sepupu anak Sultan Brunei. Tetapi akhirnya saya beritahu dia saya lakukannya semua dengan Internet sahaja. Saya bekerja dengan laptop saya dari mana-mana dan pada bila-bila masa!

Saya dapat lihat dia memang terkejut dan mahu tahu lebih lanjut dan memang benar akhirnya dia bertanya kepada saya "Boleh Encik ajarkan segala-galanya kepada saya, saya sanggup membayar anda 3,000 GBP untuk beritahu segala-galanya kepada saya!"

Saya terfikir jika saya ambil 3ribu pound ini dan beritahu dia segala-galanya, apa lagi yang saya akan dapat sedangkan sesiapa yang dapat rahsia saya ini akan dapat pendapatan yang jauh lebih banyak. Saya tiba-tiba dapat satu idea. Why not jika saya ambil 1,000 GBP kemudian lakukan perkongsian 60/40 dari sebarang keuntungan yang dia perolehi melalui Internet ini. Idea yang cukup baik sekali. Sekarang saya hendak lakukan dengan anda pula.

Bagaimanapun, sebelum itu... saya akan berikan anda teknik-teknik permulaan saya akan membantu anda menjana wang secara konsisten, tetap dan banyak! Terus selepas beberapa minit anda membacanya.

Teknik-teknik ini saya terangkan secara terang, mudah dan tidak complicated langsung. Saya ingin memastikan anda sudah boleh menjana duit terus dan cepat supaya anda berasa selesa apabila tiba masa untuk teknik-teknik lain menjelma.

Tiba masa untuk anda pula...

Sebelum itu, saya perlu luahkan beberapa perkara. Ini BUKAN skim cepat kaya. Memang benar salah seorang yang telah memperolehi rahsia saya ini terus melihat duit masuk ke akaun bank dia dalam masa 10 minit sahaja tetapi ada setengah pelajar terpaksa menunggu sehingga 24 jam ke 48 jam untuk merasai duit pertama melalui Internet mereka.

Ini bukan magic dan memang sah duit tidak akan jatuh dari langit ke riba anda, anda perlu lakukan beberapa langkah sebelum dapat menjana pendapatan melalui Internet ini. Walaubagaimanapun, langkah-langkah ini cukup mudah dan sesiapa dapat lakukannya saya jamin.

Kebanyakan orang yang membacanya telah meletakkan lebih dari 2 jam setiap hari pada permulaan dan lama-lama hanya perlu memberi masa antara 5 ke 15 minit sehari untuk terus menjana pendapatan 5 angka sebulan.

Saya pasti anda akan menjana wang yang banyak tetapi saya pasti anda tidak akan dapat memandu BMW dalam sebulan dua selepas menggunakan teknik saya ini. Inilah realiti sebenar dan saya perlu luahkan sekarang kepada sesiapa yang ingat akan terpacak BMW di depan rumah mereka dalam masa 5 minit lagi.

Sekarang dengan penafian yang saya berikan di atas, saya cukup selesa untuk...

“Memperkenalkan Rahsia Duit
10 Minit Saya”

"Teknik Rahsia Terkini"

Teknik diceritakan dengan mudah dan ringkas supaya anda senang membaca dan cepat mencuba!
Buku hanya 34 mukasurat. Dalam format PDF dan cepat untuk dimuat-turun. Boleh habis baca kesemuanya dalam masa 10 minit!
Ada 10 teknik terkini untuk dicuba. Dijamin menjadi kerana sekurang-kurangnya anda boleh dapat duit dengan hanya satu teknik.

Jika anda sukakan pendapatan yang anda perlukan masa sekali sahaja untuk setup semuanya kemudian menerima pendapatan berbulan-bulan, bertahun-tahun, malah mungkin seumur hidup anda dan paling penting tanpa perlu melakukan apa-apa lagi, teknik-teknik rahsia saya ini memang sesuai untuk anda...

"Pendapatan Sebegini Akan Memberikan Anda Kebebasan Sepenuhnya"

Fikirkan. Walaupun, duit yang banyak masuk sekaligus tiba-tiba pun sudah patut mencukupi bagi sesiapa, tetapi pendapatan ini masuk poket anda dari bulan ke bulan...

Pendapatan dijamin RM10,000 ke RM20,000 sebulan, samada hujan ke tidak dan 94.4% masuk ke dalam akaun bank semasa anda sedang bersantai gitu-gitu aje.

Tiada percutian lagi yang akan nampak terlalu mahal bagi diri anda. Duit bukan lagi menjadi masalah. Anda boleh makan apa-apa yang anda mahu dan tiada sebarang hadiah untuk yang tercinta akan nampak mahal selepas ini.

Dunia ini akan menjadi milik anda. Anda akan miliki segalanya dan tidak akan terhutang budi dengan sesiapa pun.

Dan yang paling anda akan punyai selepas ini adalah MASA.

Masa untuk bersama dengan keluarga anda. Masa untuk membawa keluarga atau yang tercinta ke destinasi-destinasi pelancongan terhebat.

Anda boleh tumpu lebih kepada hobi-hobi anda, bermain golf atau ke gym di waktu orang lain sedang sibuk bekerja dan membina kembali persahabatan dengan kawan-kawan lama yang sebelum ini anda tidak dapat berjumpa kerana terlalu sibuk. Itu yang benar-benar bermaksud kehidupan.

Bila anda akan ada masa sebegitu? Apabila anda bersara sudah pasti anda sudah tiada tenaga untuk mengecapi segala usaha keras yang anda limpahkan untuk mengkayakan orang lain selama ini.

Tidak kira samada anda ada pengalaman kerja atau tidak, tidak kira anda mempunyai ijazah atau diploma. Yang penting, anda mempunyai teknik-teknik rahsia saya yang boleh diikuti langkah demi langkah.

Jangan risau teknik-teknik rahsia ini akan dibocorkan kepada anda dalam masa beberapa saat saja lagi.

Permintaan saya hanya satu dari diri anda:

“Buka minda anda secara sepenuhnya dan cuba terima untuk beberapa minit apa yang nampak mustahil bagi kebanyakan orang!”

Ramai pelajar-pelajar atau anggota unit khas saya telah mendapat pendapatan yang meletup-letup. Sebenarnya, menurut satu email yang saya terima, ada seorang pelajar telah mendapat pendapatan yang jauh lebih tinggi dari saya. (mereka mungkin tidak semalas saya ini)

Berikut, satu lagi kenyataan bersumpah yang saya terima:

"Formula membunuh dijamin berjaya"

Anda memang genius Man.

Apa yang anda bocorkan ini patut diharamkan kerana ia terlalu power sangat. Sesapa yang menggunakannnya akan dapat "duit senang" yang terlampau banyak hinggakan dia tidak akan tahu nak buat apa dengan duit sebanyak itu.

Saya tahu kerana saya salah seorangnya. Hehe...

Seperti yang saya cakap dengan menggunakan teknik-teknik you saya dapat transaksi duit yang cukup banyak seperti di bawah:

Akhir kata kepada semua anda di luar sana. Saya telah gunakan info yang saya dapat dari buku si Man ini untuk menjana wang yang banyak macam korang tengok kat atas. Teknik-teknik dia mudah, dan cepat untuk dapat wang. Nampak macam susah nak caya... tapi semuanya betul!

Ahmad Albar
Setapak, KL

Mengenai Buku Panduan Rahsia 10 Minit Saya:

Hanya 20 Mukasurat supaya mudah dan cepat dibaca dan mengandungi segala-galanya, diceritakan langkah demi langkah dan di hidangkan secara terperinci tetapi mudah untuk di fahami oleh sesiapa.
Mengandungi banyak screen shot berwarna-warni supaya anda dapat lihat sendiri bagaimana ia dilakukan
Saya ada lebih dari 10 matrix teknik yang anda boleh cuba. Kalau gagal atau tidak suka salah satu, boleh mencuba satu lagi. Tetapi semua teknik ini boleh menjana wang serentak sebenarnya
Segala yang telah diguna oleh kebanyakan pelajar untuk menjana pendapatan tinggi melalui Internet, dihidangkan dengan ringkas tanpa kias-kias mengarut seperti buku-buku yang anda baca sebelum ini...

"Mengapa saya tidak suka dikenali?"

Anda mungkin tertanya mengapa anda tidak pernah dengar mengenai saya dan mengapa saya tidak mahu tunjukkan diri di mana-mana seperti di televisyen atau mengadakan seminar seperti guru-guru yang lain di Malaysia.

Jawapannya mudah - saya bukan guru! Saya hanya orang biasa sama seperti anda. Tetapi secara serius...

Hanya satu sebab sahaja, saya menghargai kehidupan peribadi saya dan mahu hidup secara anonymous saja iaitu tidak mahu dikenali. Saya lebih selesa begitu. Saya tidak mahu semasa keluar dating dengan sesiapa nanti ada orang cuba cam muka saya hendak cuba memastikan saya ini betul ke seperti dia lihat dalam suratkhabar/RTM minggu lepas! Tak best lah camtu kan?

Satu lagi sebab saya selalu melancong sana-sini tiada masa untuk melayan sesiapa. Lagipun, mengadakan seminar adalah seperti bekerja juga. Saya kan tak suka kerja!

Apa yang saya mahu adalah kebebasan masa dan kebolehan untuk berada di mana-mana pada bila-bila masa. Menjual maklumat rahsia ini melalui Internet nampak cara terbaik sekali untuk saya. Terbaik untuk anda juga kerana anda akan berpeluang terus mencuba teknik-teknik ini dalam masa kurang dari seminit lagi.

Lagi sekali, yang penting bukan mengenai siapa yang memberi maklumat ini. Terpenting adalah maklumat yang diberikan kepada anda.

Buat apa kalau sekadar menghadiri sendiri dan berjumpa sendiri dengan mana-mana guru tetapi teknik yang diberikan biasa sahaja seperti yang telah diberikan kepada beratus-ratus orang sebelumnya? Apa gunanya jumpa seseorang tetapi satu sen pun tak masuk poket anda?

“tiada sesiapa Di Malaysia yang pernah bercerita dengan begitu terus terang sekali tanpa risau untuk menjadi popular atau tidak - anda kemungkinan tidak pernah melihat teknik ini digunakan oleh rakyat Malaysia sebelum ini...”

Mengapa teknik-teknik saya ini tidak pernah diceritakan oleh sesiapa sebelum ini. Ini sebabnya:

Teknik-teknik ini saya yakin 100% halal dan mengikut undang-undang mana-mana negara. Cuma mungkin ada yang akan beranggapan teknik ini tidak berapa jujur dan mungkin sedikit kotor. Tetapi hakikatnya - anda boleh dapat jana wang yang banyak dan cepat dengan teknik-teknik kotor saya ini! Ini yang penting bukan? - teknik saya bukan sahaja halal dan mengikut lunas undang-undang TETAPI yang paling penting sekali saya jamin ia akan MENGUNTUNGKAN ANDA!

Oleh kerana tidak mahu malu dan mahu popular di depan orang ramai, mereka sembunyikan teknik-teknik ini dari anda. Sebaliknya, hanya teknik-teknik biasa seperti membina halaman web, menjadi affiliate yang baik, menggunakan Adsense, membina mailing list dan lain-lain di ajarnya. Anda silap kerana mengikut telunjuk mereka ini.

Siapa yang untung? Akhirnya anda yang akan rugi sebaliknya guru-guru Malaysia yang pandai goreng dan petah bercakap di hadapan orang ramai terus mengaut keuntungan dari penat lelah anda sebelum ini.

“Dalam usaha saya untuk mengumpul pelajar-pelajar terulung teknik 10 minit saya, saya hilang akal untuk meletakkan harga yang sesuai”

Dengar, agak sukar sekali untuk meletakkan harga untuk maklumat sebegini. Saya pernah jumpa orang yang memang tiada niat langsung untuk menjadi kaya atau bebas dari cengkaman bos mereka. Mereka mahu bekerja seperti seorang hamba seumur hidup mereka. Jika anda begini, mungkin maklumat ini tiada nilai langsung bagi diri anda dan saya hanya mampu ucapkan selamat jalan sahaja kepada anda.

TETAPI bagi mereka yang sudah muak untuk bekerja dengan sesiapa lagi, suka pergi percutian hebat dan mahal sesuka hati pada bila-bila masa, memiliki kereta idaman mereka, akhirnya memiliki rumah idaman sebesar istana dan boleh bekerja hanya 2 jam sehari atau kurang dari mana-mana lokasi yang diingini, maklumat saya ini mungkin cukup berharga sekali...

Mula-mula secara logik saya ada terfikir untuk mengenakan caj yang sama seperti yang pelajar saya di UK membayar saya iaitu dalam GBP1,000 atau dalam RM6,400.

Tetapi jika harga sebegitu yang saya letak mungkin ramai tidak akan mampu untuk mendapatkannya. Kebanyakan orang di Malaysia makan gaji duit masuk dalam RM1,000 ke RM4,000 sahaja.

Jadi, saya terfikir untuk meletakkan pada harga USD97 iaitu dalam RM320 sama seperti harga buku untuk maklumat sama yang saya jual di Clickbank sekarang. Ya, saya juga menjual maklumat yang sama dalam Bahasa Inggeris tetapi pada kadar USD97!

Tetapi harga USD97 cukup tidak sesuai untuk rakyat Malaysia dan kemungkinan nanti ramai tidak akan mampu untuk mendapatkannya...

Memikirkan ini, saya kurangkan dari USD97 (RM320) ke RM150 sahaja. Harga RM150 ini saya rasa cukup menguntungkan kerana anda akan balik modal dan mendapat keuntungan berlipat-ganda terus selepas membacanya.

Namun, setelah menerima banyak teriakan dari orang ramai yang tidak mampu untuk membayar pada kadar tersebut dan untuk membolehkan lebih ramai mampu memiliki rahsia ini...

Bersiap sedia untuk terbeliak mata...

Saya akan potong harga dari RM~~150~~ ke RM50 dari hari ini ke 29 Julai 2009. Ingat harga istimewa ini saya buka untuk sementara waktu sahaja bagi membolehkan sebanyak yang saya mampu untuk mempelajari teknik rahsia saya ini.

Selepas itu, harga akan kembali ke RM150 seperti biasa.

Dan jika anda masih belum pasti tentang ini, saya akan hapuskan terus sebarang keraguan anda dengan...

** Jaminan 100% Untuk Teknik Duit Dalam 10 Minit Saya **

Cuba terus segala teknik-teknik rahsia tanpa risau. Gunakan kesemua teknik-teknik saya selama 8 minggu penuh.

Selama 56 hari, iaitu dalam 2 bulan... Jika pada bila-bila masa, anda mahukan wang anda kembali, hantarkan email kepada saya dan saya akan proses pengembalian wang secara penuh, tanpa sebarang soal, tiada apa-apa perasaan marah dan kita terus menjadi kawan.

Bersiap-sedia Untuk Kebanjiran Wang Mendadak Secara Mudah Dan Tanpa Had Terus Ke Akaun Bank Anda!

Sebenarnya terus-terang saya katakan anda akan dapat merasai terlampau banyak duit... sama seperti yang anda mimpikan selama ini dan mungkin terlebih banyak lagi dari yang anda perlukan!

Dalam masa beberapa minit lagi, anda akan diboloskan dengan rahsia penjanaan wang melalui Internet yang penuh misteri dan terhebat untuk menjana wang yang cukup melampau secara automatik dengan beberapa klik sahaja!

"Dan ingat, Anda Tidak Akan Ada Sebarang Risiko Langsung Dengan Jaminan Pulangan Wang Semula Dalam Masa 56 Hari, 100% Tanpa Sebarang Syarat"

Anda mempunyai masa penuh selama 56 hari untuk mencuba segala teknik-teknik saya. Jika pada bila-bila masa, anda rasa teknik-teknik saya ini kurang sesuai dengan diri anda, hanya hantarkan saya satu email dan saya akan proses pengembalian wang penuh anda tanpa soal dan kita masih berkawan.

Jadi fikirkan... Saya yang sebenarnya mengambil risiko di sini.

Teknik-teknik rahsia ini berjaya menghasilkan dalam RM20,000 ke atas SETIAP BULAN. Beberapa pelajar saya juga sudah mendapat pendapatan melampau juga...

"Menggunakan teknik hijacking secara halal, saya telah berjaya menjana pendapatan 5 angka secara sambilan dengan tiada modal langsung!"

Hello man! Saya perlu beritahu anda yang kehidupan saya sekarang dah berubah sejak terbeli buku hang nie. Mula-mula teruja dengan salesletter kau yang power. Takut terpedaya lagi. Tetapi, arwah ayah saya pernah cakap jangan terlepas peluang kalau ternampak ada lubang.

Saya mula-mula tu memang tak nak beli you punya buku nie tetapi memikirkan mana tau betul macam salesletter you cerita... rugi nanti beribu-ribu kerana takut belanja beli buku you tu.

Tetapi sesudah beli baru tahu, rupa-rupanya buku you jauh lebih power dari you cerita.

You patut cerita banyak lagi tentang teknik-teknik you nie supaya orang dapat lebih jaminan untuk membeli. Bagaimanapun, itu up to you lah kan.

Apa yang saya nak ucapkan adalah terima kasih. Harap you enjoy melancong ke hulu ke hilir tu. Asalkan jangan lupa kami di Malaysia nie sudah!

Menggunakan 4 teknik you, saya dah dapat pendapatan yang hampir konsisten sebanyak 5 angka.

Abu Samah
Bukit Jalil, KL

Bayangkan hidup anda selepas ini apabila anda melancarkan mesin penjanaan wang anda sendiri di Internet dengan menggunakan teknik-teknik saya nanti. Teknik-teknik saya ini akan membolehkan anda mempunyai mesin vacuum cleaner yang akan serap duit dari setiap sudut secara automatik! Bayangkan kehidupan anda akan berubah selepas ini...

Amaran Keras: Ada kemungkinan beberapa teknik-teknik di atas tidak akan bertahan lama kerana kerakusan setengah-setengah orang menggunakannya untuk mengaut begitu banyak duit. Anda perlu CEPAT mempelajari teknik-teknik ini supaya dapat menjana wang yang cepat melaluinya hari ini juga sebelum terlambat! Bagaimanapun, anda bernasib baik kerana dengan sebarang pembelian, anda akan dapat ke semua kemaskini akan datang. Bermakna saya akan memastikan anda terus menjana wang dengan pembelian anda melalui pelbagai teknik-teknik baru yang akan saya jumpa. Jadi tempah sekarang sebelum terlambat!

Ini semua hanya akan menjadi kenyataan jika anda mendapatkan Teknik Jana Wang 10 Minit saya hari ini juga.

Kehidupan yang sempurna menanti anda dengan hanya satu klik... anda perlu mengambil tindakan sekarang juga. Ini mungkin satu-satunya peluang anda untuk mencapai kebebasan kewangan secara cepat dalam masa beberapa saat sahaja lagi!

Semoga anda berjaya,

Man

P.S. Saya boleh pada bila-bila masa menarik balik tawaran istimewa saya ini. Ini mungkin peluang terakhir anda untuk mendapatkannya dengan harga gila yang saya berikan di atas. Saya juga mungkin tidak mahu jual lagi dah rahsia saya selepas ini. Satu cara sahaja untuk anda - dapatkan hari ini juga sebelum terlambat!

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P.P.S. Segala-galanya anda boleh mulakan dengan mudah tanpa banyak modal dan boleh dilakukan secara sambilan selepas habis waktu kerja anda. Jadi, anda tidak akan mengambil sebarang risiko untuk berhenti kerja dan juga tidak perlu keluar mana-mana. Semua melalui komputer sahaja.

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P.P.P.S. Lagipun, apa yang anda risau, anda tiada sebarang risiko kerana saya memberi jaminan wang kembali jika anda gagal menggunakannya.

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Penafian Pendapatan Program Affiliate Hubungi Saya

Yet another RM3,868 cheque

noreply@blogger.com (Kazuya Garo) — Sun, 23 Aug 2009 13:16:00 +0000

Oh, my hubby tie is placed there cos I am too lazy to pixelate out the address using computer software.

So, how’s your income from Nuffnang? Are you still making money? Have you signed up for Churp-Churp dot com? I don’t know exactly how it works, how much it pays etc but I had signed up and was suppose to tweet something.

Oh ya, if you are a making money blogger and you still don’t have a Twitter account, then, you are missing out a lot. Don’t live in the dinosaur age, go get a Twitter account already! RSS is like so yesterday already.

You may ask, “Do I get that much money from Nuffnang every month?” Well…lucky no. Cos if it is, then, I have to pay income tax, a lot! I just cashed out another RM2K just now. So, maybe it is not a monthly thing but a little bit longer than that.

5xmom SEO roxs while P1 Wimax suxs

It has been a while since I bother to check my blog stats. I have been busy with citizen journalism and especially video journalism. Sometimes, I have to spend four to five hours on location just to wait for something to take place.

It is not rewarding in terms of monetary wise but the satisfaction is knowing that I have been able to report news as they happened. So many times, I have noticed how some mainstream media tend to ‘miss out’ certain parts in their reporting.

Right now, I am busy following through with some eviction issue that has taken so many twists and turns. I want to see a closure before I can finally reduce my involvement in citizen journalism.

To those of you who do not read my personal blog, maybe I should share what citizen journalism is. It is part of the new media whereby citizens like me report news based on journalism ethics. The above video is an exclusive interview I had with the Chief Minister of Penang on his thoughts on citizen journalism.

Now, what about P1 Wimax? Well, apparently, the speed at my place suxs. I blogged about it and didn’t think too much about that post. I just discovered that my post is now on the first page of Google. Not good….not good at all…..muahahar….It’s not my fault, ok? Google just lurveeeeee me!

Are you a full-time make money blogger?

I have just withdrawn USD500 from Paypal. Phew….at least I still have money to withdraw. Lately, my income drops because I have blogged less. The interest to make money blogging seems to take second place nowadays. Maybe it is because my income is more a buffer than the main one so it doesn’t really matter if I am making money or not.

The funny thing about being a full-time blogger who makes money is the lack of respect I get. Or at the other extreme, the kind of ‘I want to leech on you’ kind of interest. Sometimes, I know I am making more than those people who looked with disdain or disbelief when I say I make money blogging. They give me that, “HUH? Don’t try to bullshit. How many pennies can you make from those ads?”

People just don’t believe that we can make money from blogging. I wonder how those professionals who make a living out of online work feel? For me, it doesn’t matter because I am not exactly a full-time blogger as I didn’t sacrifice a ‘real profession’ to stay at home making money. But I would feel terribly discouraged if I am to tell the world I am a full-time blogger because no one believes. They probably think we are ‘good for nothing, too lazy to find a proper job, too stupid to make it in the corporate world, must be some scammer at work’ kind of citizens.

Anyway, I am still on my sabbath and did not really keep up with the latest development in make money blogging. In fact, I almost getting too lazy. Yesterday, I tried changing my personal blog theme but midway, I dropped the idea because I suddenly realised I don’t care about SEO optimised, good ads positioning or care about inserting tracking codes etc. Looking at PHP codes suddenly become too tedious and mind numbing for me.

I wonder what will happen to me in another month or two but never mind…I shall place my trust in God. If I need the money, I will work hard and earn more. If not, I will enjoy doing other things. BTW, did you listen to Darren Rowse’s sharing about the Christian’s faith? I was like, ‘Oh wow…the problogger talking Jesus is just so glorious. It is nice to know that he is not only a blogger but a God loving man. God bless him.

Good riddance to bad WP plugins

I haven’t been tampering with my blogs much. I don’t post, I don’t update the plugins and didn’t touch any of them except for a couple like my personal and faith blog. It is good to just take a breather sometimes.

However, there is one very, very annoying Wordpress plugin that I finally get rid off. I am not sure if the developer is an attention seeker or a real genius who must get everyone to update his plugins every few days. I seriously do not see any improvement in any SEO after using the plugin. But since I have installed it, I let it stays.

Finally, I have enough of the plugin. I just deleted off the All in one SEO pack. It is one of the most cumbersome, annoying plugin because I need to update it like very few days.

What about you? Do you find the plugin helpful?

Do you have a Yahoo Geocities site somewhere?

For the longest time, I have been meaning to move my Yahoo Geocities site to either a Wordpress.com, Blogger.com or even my own hosting. However, the sites I have are not exactly the most cheerful site. So, I never do anything about them.

Some of my Yahoo Geocities sites are more than six years old and they are my very first venture into web building. It is like the beginning of my online adventure. From someone who doesn’t know html, I managed to grasp it after learning to make websites using Yahoo page builder.

Then, through the years, I advanced to where I am now. I know a bit of web mastering, web hosting, own several sites, has a virtual private server and make lots of money online.

Now, the end is near. Yahoo Geocities is going to close down all Yahoo Geocities sites. Here is a notice I get :

Important notice: GeoCities is closing.

Dear Yahoo! GeoCities customer,

We’re writing to let you know that Yahoo! GeoCities, our free web site building service and community, is closing on October 26, 2009.

On October 26, 2009, your GeoCities site will no longer appear on the Web, and you will no longer be able to access your GeoCities account and files.

My first Yahoo Geocities site was made by a lady from Texas, USA for me. The second one was made by me. Back then, midi files were like the most awesome thing on earth. Now, we have advanced to videos and even live tv.

Yet, the song ‘Winds Beneath My Wings’ still breaks my heart. So, I won’t be moving anytime soon. I shall wait till September 24th is over before I do that.

Hiaks…Celebrating my first RM30K

If you recognise where this screenshot is taken from, good.
If you don’t, you probably missed one of the best place to make money online in Malaysia.

A cool RM3K is coming this month and also the next. I have made it a point to spend one third of my local income on me, myself, I every month. And I notice I have under-pampered myself because the credit card bill just arrived and I only spent RM1.3K on my credit card bills and most of them are purchases I made for groceries, books and stuffs for my sons.

So, must make it a point to spend more on myself so that I have more motivation to make more money.

I think I could make twice the amount if I have lived in KL because all the goodies go to KL bloggers. Penang bloggers are often passed over because we are not the cool and happening crowd. Another thing is some local advertisers hate me for my political stand. Not that I care, doh…..I won’t change the tune of my blog, everrrr to suit advertisers. Take it or leave it, I don’t really care.

So how much have you made from this company?

Do you 666 or 755?

I have upgraded several blogs to Wordpress 2.8. It is pretty easy when you just need to press the Upgrade button from your Dashboard and leave the whole thing to upgrade itself.

However, my webhost is rather strict with security nowadays because I am too obnoxious LOL. So, I can’t upgrade some of my blogs using the easy way.

So, do you 666 or 755 or even worst 777?

If you don’t know the meaning of these numbers, you are probably :

1) A gambler who only see numbers as lucky numbers that can strike the jackpot

2) You are a good Christian and good Christians don’t like 666

3) You probably own your own domains and hostings but clueless about these numbers and deserve to get hack one of these days

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Do you 666 or 755?