I asked, “Infolinks ~ a better In-Text advertising in town?” when I started to use it. YES. I can answer it now. I just received my first payment from Infolinks via PayPal.

Payment for Infolinks September 2009 Earning

Are you still using Kontera ContentLink? If yes, you might want to try out Infolinks. It does bring a lot more revenue to me. It will do the same to you too. Enjoy make money online…

I created “Share it” like below on 17 October 2009. I told myself to put it there for at least 1 month to see the result.

So how is the result? Well, not much traffic from this so call ‘Share it’. Therefore, I removed it immediately to save some layout space. Hmm… Why nobody want to share it? Can you tell me why?

Which life insurance package should I choose? That’s the question that I ask when I started my first job after university. Everyone need an insurance package (Rich people might don’t need it). We need it on emergency. Therefore, life insurance is a must for me.

There is lot of life insurance packages in the market. Some of them are investment, saving link. And some are just life insurance. And some include 36 critical illnesses coverage. Most of them will come with personal accident coverage too. However, which life insurance package is suitable?

Mutual Life Plus 2 Coverage
The Mutual Life Plus 2 is a term insurance policy which protect you against;
A. Group Term Life (GTL)
B. Group Personal Accident (GPA)
C. 36 Critical Illnesses

I selected Mutual Life Plus 2 from Public Mutual. It is an insurance package especially designed for unitholders of Public Mutual. I still remember that it only cost RM750 for RM200,000 life insurance package coverage when I signed up. The cost increased to RM950 the next 5 years. And RM1100 from now onward. It does not include any investment or saving on this package. Whatever you pay for this package will fully use for insurance. Therefore, you get higher coverage. That’s what I prefer.

On average investment link insurance package in the market, it is priced at RM1800 to RM2000 last 5 years (I did not do research lately, not sure what is pricing for it now). Anyway, I did not select investment link package due to low coverage @ RM50,000 only. Try to ask yourself. What can you do with RM50,000 nowadays? If you caught in an accident, can this RM50,000 manages to cover your life expenses when you are disabled? I don’t think so.

Which life insurance package do you own?

Should I borrow money to invest in stock market? Actually, the concept is the same as borrow money to buy car or house. Just that car and house is a must for our daily life and not stock. Most of us cannot afford to buy car and house in cash. And need to borrow from bank with interest changes. Same apply to share margin financing. With proper finance management, borrow money to invest in stock market does bring more revenue.

I am using Public Bank Online Share Trading with Share Margin Financing account. The minimum amount to borrow is RM50k (last time is RM100k) and with BLR – 1.8% (around 3.8% based on current BLR) per annum interest rate. Public Bank will borrow you 1.5X money based on what you have in that account ~ cash or stock value. For example, if you have RM100k cash there, you can borrow up to RM150k margin to invest. So total up as RM250k. Same apply to stock value. However, the stock value is determined by bank and not the market value. Some of the stocks do not have such value and bank does not want to take risk to lend you too much money. And if you are not able to pay back the loan, bank can force sell your stock.

Choosing the correct stock to invest is important. You don’t want to invest on a stock have only 2% dividends and without any capital gain at all. Then you need to pay 3.8% to bank. End up you are losing money at 1.8%. So make sure you pick the high dividend yield stock to invest.

Timing is another factor. With economy getting better and in the recovery road, having more money to invest is a nice move. You can easily earn more than 100% during this time. Why? Most of the stocks are undervalue and at a very attractive price. Some stocks can even go up to 300%. Therefore, you can earn a lot more with this extra money.

Borrow money == Make more money

Never stop study stock market. It had been 4 months since I sold MUDAJYA 5085. Its stock price went up to RM4.10 on 11 November 2009. Up more than 5% intraday. Why? It announced good 3rd Quarter with nine-month net profit 75.844 million. How much did I earn? Nothing. I did not buy back Mudajaya stock after sold it at RM2.00. This is the stock that I regretted most…

Never sell a good stock and don’t buy back. Make sure you buy back at attractive price again after you sold it. Hmm… I still have issue that cannot keep stock that don’t have previous historical high like Mudajaya. I need to change this bad behavior soon.

When to buy Tanjong PLC stock again? That’s the question I will ask myself after sold Tanjong. Hmm… I just sold Tanjong at RM16.66 on 6th November 2009. That was a good price for me. Why? Tanjong cannot hold on high price based on pass historical record. It will drop after hitting highest point. As expected, it dropped back to RM16.12 after hitting RM16.72.

Back to the question, when to buy Tanjong PLC stock again? Any price below RM15.50 will be attractive to go in again. Let’s wait for it to come…

Does your blog have lot of Digg or Stumble Upon traffic hits? And your web hosting cannot take that hits and crash. Fear no more. WP Super Cache WordPress plugin comes to rescue.

HostMonster CPU Limiting Factors (Throttling)

Some said that HostMonster CPU Limiting Factors (Throttling) data is not accurate. I tried WP Super Cache for 1 day. It does reduce CPU usage a little bit but not much. Why? My blogs don’t have many hits from SU and Digg. So far, I only got around 80 cache pages. Let’s monitor when I get more traffic hits.

Download WordPress plugin ~ WP Super Cache here.

Will Tanjong PLC split its power and gaming division? Maybank Investment Bank mentioned about splitting the power and gaming will bring more value to Tanjong on 5 November 2009. Tanjong stock price up 44 cents from RM15.38 to RM15.82 that day. Up another 58 cents to RM16.40 the next day (Highest intraday ~ RM16.72).

Tanjong intraday performance on 06 November 2009

Based on the technical research from Maybank Investment Bank on 6 November 2009, Tanjong has 2 upside targets of RM16.70 and RM17.78. Well, Tanjong hit the first upside target easily that day. How about the next one? When can it achieve that? And come to another question, why there are 2 research reports from Maybank Investment Bank about Tanjong in these 2 days. And it brought good news too. Some investors did fall into buying flow. Does it have anything to do with Maxis re-listing? Will Ananda Krishnan split Tanjong into 2 divisions? If Tanjong split, it will not be in FBM KLCI (top 30 stocks) anymore. Will it?

So many questions but no answers…

Every investor always asks this question, ‘keep or sell’. For me, I have no confirmed answer to it too. I set a target price when I buy stock. And I will sell it when the stock hit my target price. However, you might earn less when you sell too early like my Mudajaya case. Or set too high target price like my INTC case. And end up earn nothing.

Tanjong PLC past 2 months performance

I have 2 target prices for Tanjong ~ RM16.02 and RM16.74. The first target price should be easily hit with sudden high volume. But men are greedy. So do I. Should I wait for RM16.74? Or sell it at RM16.02? I don’t want to end up like Mudajaya and INTC cases.

Yeah… It is time for questions and answers. I got several questions regarding make money online. I think it is better to share with all of you.

1. How do you know the Innity ads whether it’s CPM or CPC running on your blog?
Nope. Innity report does not show the type of ads that running on your blog. Innity team will send you email when there is a campaign running on your blog. It maybe CPC, CPM, Site Take Over and others.

2. I found that when I put Nuffnang ads as backup ads in ADSDAQ, the preview is getting some error. The error message say make sure your blog ads is putting correctly. Or because I don’t get any Nuffnang ads while preview.
Make sure you put the correct Nuffnang ad code. For your info, Nuffnang ads only work on the domain that you register with Nuffnang. Therefore, it is okay to see “Error matching blog to blogger entry. If you are the owner of this blog, please check that there is no typo in your blog address and that you have pasted the code from the Add Ads page correctly.” error like below.

3. ADSDAQ, I put the AskPrice for 728X90 = $1.50, and 300X250 = $1.50. Is it too high or too low?
There is no right and wrong on how much AskPrice to set. Personally, $1.50 is the minimum that I set. Some ads are $3.00 and $5.00 for the best Google AdSense spot ~ Large rectangle (Just below article title). ADSDAQ earning depends on US traffic. More US traffic == more revenue.

That’s all for now. Let me know if you have any question. I will try my best to help. Cheer.

Yes! My Internet income broke RM 2,000 level finally. Although it is just a spike that cannot maintain, but I am happy with it. Google AdSense was the only one that brought less revenue. CPM Ads did help a lot when traffic increased. Nuffnang and Innity fought very hard and ended Nuffnang won the game in October after loss in September. “Nuffnang vs Innity”, which one will be the winner in the end?

Internet income report for October 2009

Google AdSense – US$ 224.47 (RM 764.32)
Nuffnang – US$ 160.76 (RM 547.42)
Innity – US$ 157.46 (RM 536.18)
ADSDAQ – US$ 117.04 (RM 398.52)
Infolinks – US$ 45.28 (RM 154.17)

Grand Total: US$ 705.01 (RM 2400.61)

Innity Performance Network is a bright star (when I get the payment. It delayed September payment. Else I should get it by now. Hopefully, it won’t happen on October payment as well). No payment (or delay payment) makes me thinking of Advertlets. Advertlets is still not paying bloggers nowadays. And getting payment from Advertlets is a tough task. You need to write blog post to ask for your payment like I did. Else you will end up getting nothing.

Remember… More traffic will bring more revenue.

Everybody make mistakes. That’s no a problem. But knowing it and without rectify it. Then it will be a problem. I thought stock market will rally until end of October 2009. However, it did not. Both of the stocks INTC and Tanjong that I target were flat in October. Just like Maybank Investment Bank asked traders to sell on 5 October 2009, a wrong prediction. Anyway, it is hard to predict stock market. And investor should not buy stock based on prediction but on the stock value itself.

INTC October 2009 performance

There are 2 important dates in October for INTC. One is the quarterly report announcement and the second one is employee stock option exchange date. I predicted there will be spike in price on both of the dates. But I was only correct on the first one. And wrong on the other ~ it is good for Intel employees because of the low stock option exchange price. But not for me who want to sell at USD22.50. Hmm… I have to keep it for another 3 months again.

Tanjong PLC October 2009 performance

Same apply to Tanjong PLC. Its 1H net profit increased 10.4% to 372.941 million. And it should be able to climb back to RM16.00 easily. But it failed to do so in October 2009. Luckily, I still have the dividend of 17.5 cents. Else, I will end up earning nothing for October 2009.

Malaysian can withdraw PayPal funds to local banks for FREE. But the exchange rate from USD to RM is low. I checked it just now.

Only 1 USD = 3.32498 MYR. Come on. Bank Negara Malaysia Ringgit Foreign Exchange Rates shows 1 USD = 3.4050 MYR on 30 October 2009. Why PayPal exchange rate is so low? You will loss RM801 for 1000 USD-MYR conversion. That’s a lot!!!

Anyway, will check the exchange rate again next few days. See is there any improvement.

Yeah… A great news for Malaysia PayPal users. Now you can withdraw PayPal funds to local banks for FREE. I have some funds in PayPal from ADSDAQ. Before this, I planed to use the fund to pay US hosting fee or buy online stuffs from US. But now no need to keep so much fund in PayPal already. I can withdraw them easily.

All the while, the only way to get PayPal funds out was using credit card or charge card. And there is USD 5 fee charges (RM20 now). But who want to withdraw to card when you can get it free (>RM400) or pay RM3 fee (<RM400) to local bank?

Traffic == Income

Yup. The more traffic that you get from your websites, the higher income you will get. I am on turbo mode early this month when ADSDAQ performed extremely well (for few days only) and turbo mode again this few days when Innity Performance Network is crazy also. Woo… I am a little bit tired but happy with the result.

JayceOoi.com weekly traffic from Nuffnang

Getting 5000 visitors per day is still a very far way to go. Maybe I set a too high target already. 3000 daily visitors should not be a problem on JayceOoi.com next birthday. Hmm… Need to work hard to reach there.

2 days left on October. On my daily checking on revenue (yup. I do daily checking on online income), October should be the highest income month so far. Nuffnang and Innity are fighting very strong. But Innity might not able to beat Nuffnang due to less CPM ads show already. And it still has RM100 to go. A very tough fight indeed. By the way, both of them beat ADSDAQ. Wow…

However, November is another story. Nuffnang don’t have much earning to bring over. Innity should win Nuffnang easily if performance is maintained. Innity == a bright new star? Yes, when I get the first payment.

The stock market did not perform well this few days. It did not perform like March and July. Maybe the bear is started to take over. Hey, bull. Where are you?

I missed the chance the sell INTC on 14 October 2009. INTC hit USD 21.27 that day. I did not sell because my target was USD 22.50. That’s still a long way to go. And it dropped until USD 19.68 on 28 October 2009. That’s 5.72% dropped. Ouch…

The lesson to learn… Don’t be too greedy.

Hey, pay back your PTPTN loan now. Don’t ever delay any payment. PTPTN don’t have much fund left. It needs your money to lend to others. Hurry up and pay back!!!

Above was the letter that I got from PTPTN. Asking us to pay back the overdue loan payment. Some of my friends also getting this letter from PTPTN. Hmm… Don’t know how to pay back? No worry, just follow the guide ~ How to pay back PTPTN loan online? Be sure to pay it.

Hey, do you have any credit card with you? How many cards do you own? With announcement of RM50 annual service tax on principal card and RM25 for supplementary card during Malaysia Budget 2010, some people already started to reduce the quantity of their credit card.

Cancel your credit card?

By the way, this is a special service tax. Even though you have a free for life credit card that you don’t need to pay annual fee, you still need to pay RM50 annual service tax to Malaysia government. (Refer here) Malaysia Prime Minister, Datuk Seri Najib Tun Razak said that RM50 for credit card not a big deal to Malaysians. And they are getting the extra RM1,000 tax relief. (refer here)

Does this RM1000 tax relief really help Malaysians? Lets do some calculations… For example, I have 2 banks’ credit cards (both MasterCard and VISA). (This is very common to all Malaysians, some have even more than 10 principal credit cards). So I need to pay 4 x RM50 credit card service tax, total == RM200. And I am in tax range of 13% which mean that I can only get RM130 back from RM1000 tax relief. In the end, I need to pay RM70 (RM200 – RM130) more back to Malaysia government. So who is benefit from this? Malaysia government or Malaysians?

For me, I am sure that I will cancel extra principal cards and supplementary cards to avoid paying more tax. Maybe reduce to 1 MasterCard and 1 VISA credit card. How about you?

Feel your website loading speed is slow? Don’t feel it. Gets a free tool from Pingdom to check your website loading time. It is as easy as ABC. Just key in your website address and click ‘Test now’. You will get result like below…

There is a detail view of the result which includes images, CSS, JavaScripts, RSS, Flash and frames/iframes loading time. I also discovered some broken links with this method. It is a nice free tool indeed. Hmm… Time to upgrade my theme again…

How much loading time is your website?

I was using Google Gears on Firefox 2.x long time ago until a Google Gears developer broke some codes that crash with Firefox. And after upgraded to WordPress 2.8, I did not see the ‘Turbo’ sign anymore. I thought Google Gears is still not ready for Firefox 3.5 yet. Haha… I was wrong. The option to turn on Google Gears is at the WordPress Tools section all the while (I don’t even notice there are ‘Tools’ section until I read from a plugin readme ).

Okay, what is Gears? Gears is an open source browser extension that lets developers create web applications that can run offline. Gears provides three key features like…

• A local server, to cache and serve application resources (HTML, JavaScript, images, etc.) without needing to contact a server
• A database, to store and access data from within the browser
• A worker thread pool, to make web applications more responsive by performing expensive operations in the background

Your blogging time will be shortening with this Google Gears enabled. It will cut short the loading time, but you still need time to think what to write and type. Try it and believe it.