Infomation About Wealth SG

Benefit of Generate Passive Income

2011-12-20T17:47:00.001+08:00

Dear Readers

So right now you should had understand the term of passive income. So why are we discuss these? What are the benefits of generate passive income?

1. Make a strong initial effort to get your income started,then do minimal work (or virtually none) thereafter,resulting in earning more and doing less.

2. Freedom to choose when and where you wish to work.

3. Your passive income is not dependent on a 9-5 work week and can be generated 24 hours, 7 days a week.

4. Able to give yourself a pay raise whenever you want by creating multiple income streams.

5. Create an unlimited amount of income - you are only limited by your imagination.

6. Have more free time to spend time with your family,friends or go on vacation.

7. Ability to give to charitable causes.

I believe any one of the benefits will benefit you! :)

Learn to Ride the 2nd Wave to Boost Your Income Now!

Passive Income

2011-12-13T11:29:00.000+08:00

Dear Readers

This was what i wrote 3 years ago and it still apply now. Just want to share again with my supporting readers. ;)

Do you want to continue working 50, 70, 100 hours a week the rest of your life?
If the answer is Yes, then you can skip reading this post. If your answer is No, you have the same answer as me! :) Please read on.

There's a saying in the corporate world: "Don't make yourself irreplaceable. If you can't be replaced, you can't be promoted." As an entrepreneur, this is still true in its own way. Let's think of "being promoted" as earning more and working less. You can raise your prices, but until you can remove yourself from being directly involved in doing the work that generates the income, there's always going to be a limit to how much you can earn, and it can only increase very slowly.

Passive income, on the other hand, is income that does not require your direct involvement. Some kinds of passive income you may be familiar with include owning rental property, royalties on an invention or creative work, and network marketing. If you want to earn more, work less, and have a decent retirement, you're going to have to start creating income streams that do not require your direct involvement. Whether you're just starting your business, or you've been running it a while, the sooner you start thinking about how you are going to shift your business model to create more passive income, the sooner you can achieve personal and financial freedom.:)

Want to read more,wait for my next post soon. :)

Learn to Ride the 2nd Wave to Boost Your Income Now!

Here is the Proof

2011-11-28T15:48:00.001+08:00

Dear Readers

My sincere apology. I found out that they never send me my 1st wave ride cheque but they post the money to my bank account.

I hereby post a picture of the commission statement to show you the 5 figure amount.

Statement Commission

Please note that i am not showing off or what ever. I just want to tell everybody i can do it. You can do it too. Are you ready for the 2nd wave ride? I promise you my 2nd wave ride will get doubled of what you see here. So what are you waiting for? :)

Learn to Ride the 2nd Wave to Boost Your Income Now!

My 1st Wave Ride

2011-10-11T17:24:00.000+08:00

Dear Readers

My first line to readers is always the same. Busy schedule again and left us alone? No no no, do not be mistaken. I was busy riding the wave so today i am free to share with you all. :)

What wave i am talking about? If you receive my email and took your action, i believe you are going to earn at least 39% ROI for this first ride. Nevertheless for those never take action, you going to wait for the 2nd ride next year. What? You never receive my email last week? Ok ok no worry send me your email now i will add you in my group and get ready for the next ride. :)

Is important to ride any trend no matter which profession you are. Spot opportunity, take action will definite give you good result. What is the worse thing it can happen? You learnt something new.

Today i will not share any picture here because i going to show you my 1st ride cheque the next post. My next cheque will arrive next month. So see you all soon. ;) (By the way i had updated my profile. Enjoy reading)

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Sheng Siong

2011-08-25T17:20:00.000+08:00

Dear Readers

It really a very long time ever since i blog till now i miss all of you. What happen to me? Why no more post about saving or growing money? Are you running away from us? No no no, it was because i been "trapped" by a company which kill my brain cells and time a lot! Take it or leave it. Is just a matter of time...

Anyway back to my new post here. Happy Hari Raya Puasa to my Muslim Friends! :) Selemat One Malaysia Happy National Day to my Malaysian Friends!!!

Today i am going to share with you a great investment. Introducing our new comer Stock Share Sheng Siong!!! Sheng Siong our local retail market in SGX. All Aunties must be supporting this Stock that why it rose so fast! Currently the price now is 0.475. Keep on rolling and growing. Don't you think this share has great potential? Go and google it to find out more yourself. Anyway is just my 2 cent of opinion to trade this stock. No inside news or whatever. I google myself so you should do that too. Ok See you all soon. ;)

Sheng Siong Public Listed in SGX

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Your Salary

2011-06-29T22:11:00.000+08:00

Dear Readers

It been sometime i haven't post anything here yet. This month is my busiest month of the year due to my latest schedule.

Let me share something very meaningful and useful link here as i believe most of us are employees. Do you want to find out your salary is it competitiveness enough? Are you overpay? Everyone wish to. Or are you underpay? Nobody want it. So my advise is if you are overpaid, please work more for your employer so that he/she will not find out ha ha. (Preferred Solution = Save more money to do wise investment please) If you are underpaid, better visit your management or employee to get what you should get. (Preferred Solution = Spend your time to do other investment please) Remember one thing. You design your life, not the other way round. Here is the link. Enjoy your weekend soon. :)

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Save Time & Earn Cash

2011-06-13T22:13:00.000+08:00

Dear Readers

This time i really found a very good website which can enable you to earn money easily and help to save your time in return. Thanks to Calvin for the recommendation.

Why earn money easily? The reason is all you have to do is to checkout their website and write yourself your own strength and talents. If you have many strengths, that will be better still. You can earn more money. Why? There are many friends around in the world are looking for your talent!!!

If you cant think of any strength or you feel that you have no strength is fine, there is a session for you to look for seekers whether how you can help them. You may not know and you just earn yourself some bucks!

Why save time? There are always someone better than you because no one is perfect. you can get help from them to achieve what you cannot do or may have psend too much time to do by all yourself. Why not leave it to professional? You will save a lot of time isn't it?

So what is the link i am talking about? It is called fiverr.com. Very interesting and innovative website which allows you to save time and earn money for yourself. Go try it yourself now. :) See ya.

Add me if you can

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Next Incoming Event

2011-06-07T19:15:00.000+08:00

Dear Readers

Alomost 3 weeks i never post any useful wealth info here due to my new schedule ahead. Time passes fast. Is june 2011 now. Have you achieve what you really want so far?

Today i just want to share with you a very great event which i going to this coming weekend. :) It is called Internet Empire Mastery Seminar which I found out not too long ago from my email. I found the seminar content interesting and i think it’s going to be really useful.

Anyway, just thought I’ll let all my readers know as I think it might interest you all.(Sorry for Overseas friends as it is held in my country Singapore, too far for you if you are in State :( )

It’s a 2 day seminar that teaches you how to create a business out of little or not capital and out of your hobby. I know how busy you are, so I’ll keep this short. Just click the link to check out the seminar details

Let me know if you decide to sign up so we can meet up at the event.

Learn To Achieve Your Dreams & Goals Using DNA Genetic Testing Now!

Time is Money

2011-05-10T11:16:00.000+08:00

Dear Readers

I need your help to understand yourself one thing. Step back for a minute and think about it.

Each person is blessed with the same allotment of time – 168 hours per week, 24 hours per day.
Many of us sell the majority of those hours to someone else in exchange for money. We go to work, we work for a while, we go home, and often, some work comes home with us. Add in the hours we burn thinking about work and our time for ourselves grows ever smaller.
Those hours are precious. They’re the ones in which we relax. They’re the ones where we interact with friends and family. They’re the ones where we catch up on personally fulfilling hobbies.
To put it simply, wasting time takes away from those valuable hours that we work so hard for. It strips away their quality and it strips away their safety. Time management simply seeks to give us more of those hours – or to make the other hours produce more money.

Time is money, and when you manage your time well, you manage your money well, too.

How do you do that? Here are the 4 most valuable little techniques I’ve found from an article for managing time. You can use it.

1. Start your day off with some planning. Make a list of what you need to get done today – usually four or so things. Don’t just make a 1, 2, 3, 4 list, though – investigate each one for a few minutes and make sure you have the information, ideas, and materials you need to actually execute each item. That might mean spending five or ten minutes on the basic framework of a task, but doing that now means you won’t burn an hour later on. Also, that list of things to do will keep you from burning time in the middle of the day wondering what’s best to do next.

2. Alternate between multi-tasking and single-tasking sessions. Multi-tasking works well for some tasks – phone calls, emails, filing, and so forth. Those are tasks that usually aren’t mentally taxing at all, and thus can be done two or more at a time. However, the meat and potatoes of your work usually does require your focus – and doing that with interruptions makes it take longer and reduces the quality of your work. Take a few periods during your day, turn off your communication routes (turn off your phone, close your email program, etc.) for an hour or so and bear down on a task that needs to be done. When it’s finished, go back into multitasking mode and get caught up on your messages and information.

3. Meditate. This sounds counterintuitive, but it really works. It’s easy, later in the day, to “zone out” – you’re mentally (and perhaps physically) worn out. Many people keep pushing, but they find themselves losing three minutes here and three minutes there because they space off – and this will often spread into the evening’s personal time. Instead, try meditating for fifteen or twenty minutes near the end of your work day. Just sit in a chair and relax – here are several great basic techniques to try. I almost always find myself refreshed and alert after doing this.

4. Write down the things on your mind. Keep a notebook and pen near you at all times. Whenever something pops into your head that you need to do later or think about later, jot it down immediately. Then, a few times a day, leaf through the notebook and take care of the things jotted down there. Throw down anything and everything – a word you want to look up, a personal task you need to take care of, a person you want to get in touch with. Getting these things out of your head and onto paper means you can spend far less mental energy trying to remember it – and use that energy instead focusing on your current task and getting that done as well as you can.

Another important tactic is to find ways to spend your free time that simultaneously help you grow as a person and bring you enjoyment. Reading literature that really pushes your mind is one example. Going for a jog is another example. Almost any social activity falls into this group, too – learning how to interact with more people is invaluable. Such activities bleed back into the rest of your day – they increase your energy at work, improve your mental acuity, and raise the bar on your ability to interact with others and network. Putting forth a little effort to find enjoyable ways to spend your spare time that also help you to grow pays off over and over again.

Remember, time is money – so stop wasting it.

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Personal Sharing

2011-05-04T13:42:00.000+08:00

Dear Readers

It been more than a week i havent post any good information here. Why? The reason is simple. I had come out my own personal sharing just for you here. Thanks for your support since this blog is setup.

I going to share with you in life, no matter what occupation are you, whether you are rich,middle or poor or disable, we must have a clear mindset and goals to move on. I will share with you about my wealth management since this is a blog for wealth information.

Everytime i say save your money save money but where do your saved money goes to? You must find a right place to part so that money can work for you. I can give you example to park(I park before definity not inside the bank or even FD), I parked physical gold, paper silver, land investment, forex account, physical property, biz & stock shares etc.

You can do that too but you have to know HOW to do. Learn from mentor. Mentor can be a person, can be a book, can be a blog(My blog haha). Everything you dont know, you ask. Dont keep quiet and wait for things to happen. The clock still tick without you. So what are you waiting for now?

I will continue my sharing in my next blog.

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Spend Less Than You Earn

2011-03-29T18:20:00.000+08:00

Dear Readers

Look at the title. It sounds so simple, doesn’t it? Yet there are many people out there burying themselves in debt (spending more than they earn) or living purely paycheck to paycheck (spending exactly what they earn).

Simply spending less than you earn has a cascade of positive effects.

1. You begin eliminating your debts. Spending less than you earn frees up the money you need to make larger payments on your debts. Over time, they begin to disappear, reducing your monthly bills and giving you even more breathing room.

2. You begin to save. First, you build up some cash savings in your savings account, enabling you to roll through emergencies (like a car breakdown or a job loss). You’ll also have the breathing room to start saving for retirement, paving yourself a great future for your golden years.

3. Your stress level falls. Knowing that you have fewer debts, your emergencies are covered, and your retirement is being planned for reduces your stress level. You sleep better, your overall health improves, and you feel happier about life.

4. You are now able to explore possibilities closed to you before. When your debts are gone and you are spending far less than you’re bringing in, you suddenly have many more career possibilities. You don’t have to stick with your high-stress job – you have the financial freedom to move on and chase your dreams.
All of that comes back to one basic principle – spend less than you earn.

That statement actually has 2 parts.

Spend less refers to the fact that you do need to cut your spending. The first step doesn’t need to be anything drastic – nor should it be. Many of the more extreme money-saving tips come from people who have already tried out the basic tips and love them, so they seek out more intense strategies to further cut their spending. I do this myself – I’m always trying out new money-saving strategies, discarding the ones that don’t work for me and keeping the ones that do.

Here are 3 big ways to get started.

1. Go through every monthly required bill. Ask yourself if you really need that service at all. Do you really need premium cable? Do you really need unlimited text messages? Then, go through each bill and see if there are any optional services you can eliminate.
2. Keep diligent track of your spending. Keep a notebook in your pocket and write down every expense you have. The simple process of doing this will make you think twice about unnecessary expenses. When you do have a month’s worth of expenses written down, take a careful look at them. Ask yourself whether or not each of these expenses actually contributed to the value and joy of your life. That process will offer a lot of insight for you as to where your spending is going to waste.

3. Look carefully at your routines. Watch what you do every day (or most days). Are there things you do each day that cost money? Those things are the most powerful ones to adjust, as trimming just $1 from your daily spending saves you $365 a year. Do you stop at a coffee shop each day? Why not cut down your daily order a bit, or switch to a different shop, or start making your coffee at home? Look at every regular expense you have.
As you go along you will get better plan and understand what i am trying to explain. :) The rest of the phrase, than you earn, though, points to the other part of the equation: increasing your earnings.

Increasing your earnings gives you more money with which to get rid of your debts, save for your big dreams, and build a foundation for whatever future moves you may want to make.

There are countless ways to earn more money, but there are several tactics almost anyone can apply in their life. Here are 5 key ways to get started increasing your income.

1. Don’t waste time at work. The time you spend sitting idle, browsing the web, or chatting on IM or Twitter with your buddies is time you’ve effectively lost. Instead, invest that time in something devoted to your career, even if it’s not directly on a work project. There are lots of things you can always be working on – see the other things below, for example.

2. work on your transferable skills. I’m a big believer in transferable skills – skills that one can utilize in almost any career path. Work on mastering such skills. Jump on any and all opportunities to speak in public. Hammer out an effective time management scheme for you. Get into a routine of organizing and filing your paperwork. Brainstorm ideas for things going on in your office. Write clear documentation for the standard procedures of your work. Step up to the plate, take charge of a work project, and get the ball moving forward. All of these things push you towards developing skills that are genuinely useful no matter where you’re heading in life.

3. Build strong relationships with as many people as you can in your field. Join services like Twitter or LinkedIn and start conversations with people in your career. Send emails to people you’ve interacted with a lot in your career and keep up with what they’re doing. If you have an opportunity to connect people that can help each other, do it immediately, without hesitation. Share what you know and be valuable to others.

4. Start a side business. I don’t mean filling out surveys or other things you can use to burn a few minutes during the commercial breaks and earn a few pennies. I mean actually devote serious time and effort to turning a passion you have into a money-making enterprise. Don’t know what that could possibly be? Check out here to find out more. :)
5. Step up to the plate at work in little ways. There are lots of simple ways to stand out. Speak up at meetings. Show empathy for the problems that others have. Take on only projects you can handle, but do them well. Get to know the support staff – and treat them well. Don’t burn bridges when you move on – make an extra effort to maintain good relationships when you leave. These little things add up to a huge difference.

Keep that rule in mind: spend less than you earn. Each move you make to maximize the gap between what you earn and what you spend will put you in a better place in your life.

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52 Steps Saving Money

2011-03-17T10:46:00.002+08:00

Dear Readers

I will be going overseas business trip for a week and there will be unavailable internet access over there. So this time round i will keep you reading this article (I participate some of it) for more than 10 minutes without bored ok?

Why i say so because this article tells you about your own financial life. Anyone can turn their financial life around if they just take that first step – the first step is always the hardest one. After that, you start taking more and more little steps and before you know it, your financial life is getting better and better.
What follows is a list of 52 steps to take. Each of these tactics are simple little moves you can make to improve your financial situation. Some of them take just a few minutes, others might take an hour or two, some of them require a bit of regular effort, but they’re all incredibly simple – anyone can do them. Each of them also save significant money, especially over the long run, and when combined together these tips can save you a lot of money now.

Obviously, not all of these tips will apply to everyone. Just go through the list and find 10 or 15 that do apply to you and use them in your life – you’ll quickly find yourself saving some serious scratch.

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1. Turn off the television. One big way to save money is to watch less television. There are a lot of financial benefits to this: less exposure to guilt-inducing ads, more time to focus on other things in life, less electrical use, and so on. It’s great to unwind in the evening, but seek another hobby to do that

2. Turn a critical eye to your “collections.” Most people collect something – what do you collect? Is it something that consistently brings you joy? Or is it something that you just do out of habit at this point? Does the collection itself have value? Could you perhaps “trim the fat” from this collection by getting rid of duplicates or getting rid of the items you no longer use? (Sell to Ebay) Also, could you perhaps cut down on your spending on that hobby? Focus on trimming the things you don’t feel strongly about – if you dig into things that bother you, you’re going to eventually relapse.

3. Sign up for every free customer rewards program you can. Even if you rarely shop at that place, having a rewards card for that place will eventually net you some coupons and discounts. Here’s the basic game plan for maximizing these programs: create a Gmail address just for these mailings, collect every card you can, and then check that account for extra coupons whenever you’re ready to shop.

4. Make your own gifts instead of buying stuff from the store. You can make food mixes, candles, bread, cookies, soap, and all kinds of other things at home quite easily and inexpensively. These make spectacular gifts for others because they involve your homemade touch, plus quite often they’re consumable, meaning they don’t wind up filling someone’s closet with junk. Even better – include a personal handwritten note with the gift. This will make it even more special than anything you could possibly buy down at the mall, plus it saves you money.

5. Write a list before you go shopping – and stick to it. One should never go into a store without a strong idea of what one will be buying while in there. Make a careful plan of what you’ll buy before you go, then stick strictly to that list when you go to the store. Don’t put anything in the cart that’s not on the list, no matter how tempting, and you’ll come out of the store saving a bundle.

6. Invite friends over instead of going out. Almost every activity at home is less expensive than going out. Invite some friends over and have a cookout or steamboat meal, then play some cards and have a few drinks. Everyone will have fun, the cost will be low, and networking somemore.

7. Don’t spend big money entertaining your children. Most children, especially young ones, can be entertained very cheaply. Buy them an end roll of newspaper from your local paper and let their creativity run wild. Make a game out of ordinary stuff around the house, like tossing coins into a piggy bank(Teach them save money too). Realize that what your children want most of all is your time, not your stuff, and you’ll find money in your pocket and joy in your heart.

8. Clean out your closet. Go through your closets and try to get rid of some of the stuff in there. You can have a yard sale with it(Sell to Ebay), take it to a consignment shop, or even donate it for charity – all of which turn old stuff you don’t want to use any more into money in your pocket. Not only that, it’s often a psychological load off your mind to clean out your closets.

9. Drink more water. Not only does drinking plenty of water have great health benefits, water drinking has financial benefits, too. Drink a big glass of water before each meal, and not only will you digest it better, you won’t eat as much, saving on the food bill. You’ll also find yourself feeling a bit better as you begin to get adequately hydrated.

10. Cut back on the convenience foods – fast foods, microwave meals, and so on. Instead of eating fast food or just nuking some prepackaged food when you get home, try making some simple and healthy replacements that you can take with you. An hour’s worth of preparation one weekend can give you a ton of cheap and handy meals that will end up saving you a lot of cash and not eat into your time when you’re busy.

11. Give up expensive habits, like cigarettes, alcohol, and drugs. Those habits cause money to flow away from you with nothing in return. You really need to work hard to kick the habits and you’ll find that money staying in your pocket instead of burning up and floating away.

12. Turn off light if you are not in use. If you spend one minute turning off lights before a two hour trip, that’s the equivalent of earning $50 an hour. That’s some impressive savings, particularly if you do it before longer trips. The key is to use less energy, particularly when you’re not using the device.

13. Install CFL (or, even better, LED) bulbs wherever it makes sense. These bulbs might cost more initially, but they both have a longer life than normal incandescent bulbs and they both eat far less electricity. CFLs tend to use about 25% of the electricity of an incandescent – LEDs use about 2%. CFLs are cheaper than LEDs right now and produce better light, but not quite as good as incandescent bulbs. My policy? Put LEDs in closets and out of the way places, use CFLs for hall and some room lighting, and use incandescent bulbs (until the other bulbs get better) where you read and do other eye-intensive activities. This will trim a significant amount from your electric bill.

14. Buy appliances based on reliability, not what’s cheapest at the store. It’s worth the time to do a bit of research when you buy a new appliance. A reliable, energy efficient washer and dryer might cost you quite a bit now, but if it continually saves you energy and lasts for fifteen years, you’ll save significant money in the long run. When you need to buy an appliance, research it – start with back issues of Consumer Reports at the library. An hour’s worth of research can easily save you hundreds of dollars.

15. Clean your car’s air filter. A clean air filter can improve your gas mileage by up to 7%, saving you more than $100 for every 15,000 km you drive in an average vehicle. Plus, cleaning your air filter is easy to do in just a few minutes – just follow the instructions in your automobile’s manual and you’re good to go.

16. Hide your credit cards. Take your credit cards and put them in a safe place in your home, not in your wallet where it’s easy to spend them. If you argue that you need it for “emergencies,” just be sure to keep a small amount of cash hidden in your wallet for these emergencies.

17. Do a price comparison – and find a cheaper grocery store. Most of us get in a routine of shopping at the same grocery store, even though quite often it’s not the one that offers the best deals on our most common purchases. Fortunately, there’s a simple way to find the cheapest store around. Just keep track of the twenty or so things you buy most often, then shop for these items at a variety of stores. Eventually, one store will come out on top for your purchases – just make that one your regular shopping destination and you’ll automatically save money.

18. Don’t spend money just to de-stress. Quite often, I used to spend money just to wind down from a stressful day at work. Instead, I’ve found that I quite often feel much better by going home and taking some quiet time just to stretch and then meditate. I end up feeling much more together, happy, and ready to face an evening with the kids in the right mindset than I ever would by just blowing some cash after work. Instead of spending to de-stress, try some basic meditation techniques, stretching, or yoga and see how you feel.

19. Talk to your loved ones about what your dreams are. This seems like an odd way to save money, but think about it. If you spend time with the people you love the most and come to some consensus about your dreams, it becomes easy for you all to plan for it. If you’re all planning and working together towards this dream, it becomes easier to stay focused on it and reach it. Set a big, audacious goal together and encourage each other to be financially fit – soon, you’ll find you’re doing it naturally and your dreams are coming closer than ever.

20. Do a “maintenance run” on your appliances. Check them to make sure there isn’t any dust clogging them and that they’re fairly clean. Look behind the appliances, and use your vacuum to gently clear away dust. Check all of the vents, especially on refrigerators, dryers, and heating and cooling units. The less dust you have blocking the mechanics of these devices, the more efficiently they’ll run (saving you on your energy bill) and the longer they’ll last (saving you on replacement costs).

21. Cancel unused club memberships. Are you paying dues at a club that you never use? Like, for instance, a gym membership or a country club membership? Cancel these club memberships, even if you think you might use them again someday – you can always renew the membership at a later date if it turns out that you actually do miss it.

22. Keep your hands clean. This one’s simple – just wash your hands thoroughly each time you use the bathroom or handle raw foods. You’ll keep yourself from acquiring all kinds of viruses and bacteria, saving you on medical bills and medicine costs and lost productivity. That’s not to say you shouldn’t explore the world and get your hands dirty sometimes – that’s good for you, too – but basic sanitation does help keep the medical bills away.

23. Give a gift of a service instead of an item. For new parents, give an evening of babysitting as a gift. If you know pet owners, offer to take care of their pets when they travel. Offer up some lawn care as a gift to a new homeowner. These are always spectacular gifts for anyone – I know that, as a parent of a toddler and an infant, I love receiving a babysitting gift, probably more than any “stuff” I might receive.

24. Do holiday shopping right after the holidays. Most people use this technique for Christmas, but it works for every holiday. Wait until about two days after a holiday, then go out shopping for items you need that are themed for that day. Get a Mother’s Day card for next year the day after Mother’s Day. Get Easter egg decorating kits the day after Easter. Get wrapping paper and cards and such the day after Christmas. The discounts are tremendous, and you can just put this stuff in the closet until next year, saving you a bundle.

25. Join up with a volunteer program. It’s a great way to meet new people, get some exercise, and involve yourself in a positive project that can lift your spirit. It also comes without a cost to you and can provide a lot of entertainment and a fulfilling day when you’re in the right mindset. I’ve come to spend more and more of my time volunteering, serving on various committees and groups in the community – and it’s the best thing I’ve ever done.

26. Go for reliability and fuel efficiency when buying a car. A reliable and fuel efficient car will save you thousands over the long haul. Let’s say you drive a vehicle for 100,000 km. If you choose a 50 km per gallon car over a 30 km per gallon car, you save 2,133 gallons of gas. At $3 a gallon, that’s $6,400 in savings right there. Reliability can pay the same dividends. Do the research – it will pay off for you.

27. Don’t go to stores or shopping centers for entertainment. Doing so is just an encouragement to spend money you don’t really have on stuff you don’t really need. Instead, find other places to entertain yourself – the park, the basketball court, a museum, a friend’s house, or even in your own home. Don’t substitute shopping for entertainment and you’ll be way better off.

28. Master the ten second rule. Whenever you pick up an item in order to add it to your cart or to take it to the checkout, stop for ten seconds and ask yourself why you’re buying it and whether you actually need it or not. If you can’t find a good answer, put the item back. This keeps me from making impulse buys on a regular basis.

29. Rent out unused space in your home. Do you have an extra bedroom that’s not being used? Rent it out. (I do) If we found the right person, this would bring in a lot of extra money.

30. Create a visual reminder of your debt. Basically, just make a giant progress bar that starts with the amount of debt you have and ends with zero. Each time you pay down a little bit, fill in a little more of that progress bar. Keep this reminder in a place where you’ll see it often, and keep filling it in regularly. It keeps your eyes on the prize and leads you straight to debt freedom.

31. Get rid of unread magazine subscriptions. Do you have a pile of unread magazines sitting around your house? Likely, it’s the result of a subscription that you’re not reading. Not only should you not renew that magazine, you should give their subscription department a call and try to cancel for a refund – sometimes, they’ll give you the pro rated amount back. I’ve had to cull my subscriptions in the past, but I’ve never regretted it.

32. Eat breakfast. Eating a healthy breakfast fills you up with energy for the day and also decreases your desire to eat a big lunch in the middle of the day. Not only that, breakfast can be very healthy, quick, and inexpensive. A bowl of oatmeal in the morning is often the one thing that keeps me from running out to eat an expensive lunch later in the day – and it keeps me full of energy for the entire morning instead of in a coffee-laced daze.

33. Don’t fear leftovers – instead, jazz them up. Many people dread eating leftovers – they’re just inferior rehashes of regular meals, not exactly enjoyable to the discerning palate. However, there’s nothing cheaper than eating leftovers and with a few great techniques for making leftovers tasty, you can often end up with something surprising and quite delicious on the other end. (My mother is the best of it)

34. Brown bag your lunch. Instead of going out to eat at work, take your own lunch. Lots of people think that this means “nasty lunch,” but it doesn’t. With some thoughtful preparation and just a few minutes of time, you can create something quite enjoyable for your brown bag lunch – and save a fistful of cash each day, too.

35. Learn how to dress minimally. Buy clothes that mix and match well and you’ll not need nearly as many clothes. If you have five pants, seven shirts, and seven ties that all go together, you have almost an endless wardrobe right there just by mixing and matching.

36. Ask for help and encouragement from your inner circle. Sit down and talk to the people you love and care about the most and ask them for help. Tell them that you’re trying to trim your spending and you’d love it if they offered any suggestions and support they might have – and pay attention to what they tell you. They might have some personal insights for your situation that will really help.

37. Keep an idea notebook in your pocket. I’ve wasted countless amounts of time and money simply because I’ve forgotten things in my head. Instead of relying on my memory, I keep a small notebook with me to jot down ideas and things I need to remember, then I check it regularly throughout the day.

38. Check out what your town’s parks and recreation board has to offer. My town has several wonderful parks, free basketball and badminton courts, stadium, trails, and lots of other stuff just there waiting to be used. You can go have fun for hours out in the wonderful outdoors, playing sports, hiking on trails, or trying other activities – and it’s all there for free. All you have to do is discover it.

39. Air up your tires. For every two PSI that all of your tires are below the recommended level, you lose 1% on your gas mileage. Most car tires are five to ten PSI below the normal level, so that means by just airing up your tires, you can improve your gas mileage by up to 5%. It’s easy, too. Just read your car’s manual to see what the recommended tire pressure is, then head to the gas station. Check your tires, then use the pump to fill them up to where they should be. It’s basically free gas!

40. Take public transportation. If the city’s transit system is available near you, take it to work (or to play) instead of driving your car. It’s far cheaper and you don’t have to worry about parking your vehicle. Save not to buy car if really not needed, save petrol, maintenance fee, carpark and summon too!

41. Carpool. Is there anyone that lives near you who works at the same place (or near the same place) that you do? Why not ride together, alternating drivers each day? You can halve the wear and tear and gas costs for your car – and for your acquaintance as well.

42. Go through your hand phone bill, look for services you don’t use, and ditch them. Sit down and go through each item on your bill and see if there’s anything there that you don’t use, like a surfeit of text messages or web access or something to that effect. Then call your hand phone company and ask to have those services eliminated. Boom, you’re saving money.

43. Hit the library – hard. Don’t look at a library as just a place to get old books. Look at it as a free place to do all sorts of things. I’ve used it to learn a foreign language, meet people, use the Internet anonymously, check out movies and CDs, grab local free newspapers, and keep up on community events. Best of all, it doesn’t cost any.

44. Use a simple razor to shave. I’ve been a big advocate of the basic safety razor for a long time, but that’s just one piece of the puzzle. For “normal” shaves, I just shave in the shower and dry off the blade afterwards, using just soap for lather – incredibly cheap, since I only swap blades once every few weeks. The real moral of the story? Use a simple razor – not an expensive electric one that stops working in three years – and shave your face when it’s wet. You can get a very good shave with some practice and save a lot of money over the long run.

45. Find daily inspiration for making intelligent moves. I’m usually inspired by my children. Perhaps you’re inspired to make changes by your spouse – or even by someone in the community you respect. Maybe it’s just a personal goal, like an early retirement. Find something that makes you want to make positive changes, then use that person or thing as a constant reminder. Keep a picture of it in your wallet, in your vehicle, and on your bathroom mirror. Keep it in your mind as much as you possibly can. Create your dream board or vision board like what i had did.

46. Don’t speed. Not only is it inefficient in terms of gasoline usage, it also can get you pulled over and cost you a bundle, as I discovered a while back. It’s highly cost-efficient to just drive the speed limit, keep that gas in the tank, and keep the cops off your tail.

47. Read more. Reading is one of the cheapest – and most beneficial – hobbies around. (Read my blog)Most towns have a library available to the public – just go there and check out some books that interest you. Then, spend some of your free time in a cozy place in your house, just reading away. You’ll learn something new, improve your reading ability, enjoy yourself, and not have to spend any cents.

48. Always ask for fees to be waived. Any time you sign up for a service of any kind and there are sign-up fees, ask for them to be waived. Sometimes (but not always), they will be – and you save money just by being forthright about not wanting to pay excessive fees.

49. Eat less meat. For the nutritional value, meat is very expensive, especially as compared to vegetables and fruits. Simply change around your regular meal proportions to include more fruits and vegetables and less meats – eat a smaller steak and a bigger helping of green beans, for example. Not only is this a healthier way to eat (saving on health costs), it’s also less expensive.

50. Don’t beat yourself up when you make a mistake. Even if you make ten good choices, it’s easy to beat yourself up and feel like a failure over one bad choice. If you make a big mistake and realize it, think about why you realized it now instead of then, and try to apply that later on. The memory of that mistake can end up being very valuable, indeed.

51. Always keep looking ahead. Don’t let the mistakes of your past drag you down into more mistakes. Look ahead to the future. The choices you make now won’t affect the past – but they definitely will affect the future. Think back, and remember how the bad choices you made earlier are costing you now, and constantly remember to not make those mistakes now so that they don’t cost your future self.

52. Never give up. Whenever the struggle against debt feels like it’s too much, go read a personal finance blog and remember that there are a lot of people out there fighting the same fight. Read around through the archives and learn some new things – and perhaps get inspired to keep going, no matter what.

Information About Wealth Saving Money

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DNA Genetic Test

2011-03-15T10:12:00.000+08:00

Dear Readers

Today i going to share with you real facts and can save you big big money.

I am sure a lot of people had heard of DNA test. In the last 20 years and even till now forensic scientists use DNA to reflect a person makeup and as an identifier. Do you know DNA test has achieve a kind state of art & advanced biotechnology to bring out full of miracle results?

Nowsaday Everybody talks about health care health products and how to prevent health illness and diseases. They keep on promoting their health products and services to let you stay healthy.

But my question is is the health products really suit for everyone? Do you know there are many health products benefit you but to others are poison? Why i say that? There is no same inside body in this world. Our body cells, organs, whole body are all different from one another. The keyword here is our gene.

Scientists had discovered by doing DNA genetic test, our gene can tell us the whole details of our whole life! We can avoid many kind of diseases if we understand our gene. This is what i call the real 100% package Preventive Health Care.

Will you save a lot of money if you know how to prevent correctly by taking the right action? Check out the link below for more info. :)

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Budget Tools

2011-03-08T10:09:00.000+08:00

Dear Readers

How is your day? In our country Singapore, Government had introduced Budget packaging. In my blog here, i also introduce Budget tools. Below is a very interesting article from Tom sharing his own way of budgeting. I had did it myself too and I believe you need to do it also. :)

Many people overspend each month because they don’t take the time to budget. Budgeting may seem like hard work, but people who have taken the time to actually sit down and plan their their budget often discover the task becomes easier and easier over time. A budget actually helps us in spending wisely and saving money.

If you’ve always been intimidated by the idea of budgeting or you don’t know how or where to start, there are many budgeting tools now available all designed to make the budgeting process as easy and as painless for you as possible.(I myself have one too just by using excel) Their money management software packages you install in a computer and lets you enter your cash flow, categorize your expenses and even analyze your spending behavior. You can also enter the payments you have make every month and alert you when bills are due.

The more advanced money management software packages come with a feature that helps you with your tax filing to help ensure that you don’t miss out on any deductibles or due dates

Perhaps one of the simples budgeting tools available are coupons. If you’re on a tight budget, you can save on many grocery items by using coupons when you’re shopping. Check magazines and local newspapers for coupons and good deals on discount products. Check with your local grocer too because chances are they often have flyers with their latest coupons.

If using a money management software still intimidates you, you can use a traditional list for creating your budget. You can keep track of your monthly and weekly budget and expenses in a ledger or a plain notebook. You can even make your lists on your phone or PDA (personal digital assistant) and set alerts. lists are particularly useful when it’s time for you to do your weekly trip to the grocery. You can save money by planning ahead your weekly menu and then buying the food items you need in one trip (don’t forget to use those coupons!).

You can also keep a running list of supplies you need at home and may need to get on your next trip to the grocery. This way, you know exactly which items you’re running low on and which ones you need to get on your next trip. This list not only can help you save money, but it can help you use your time better. When you’re at the grocery store, you can quickly go to the aisles where your items are and help you avoid making unnecessary purchases.

You can also keep keep track of your expenses and help you manage your money better by following a filing system at home. (More important) Your filing need not be too elaborate, though. You can start your filing system by taking a few file folders, labeling them and filing your bills, receipts and other important financial documents in the appropriate folders. This filing system may be simple, but it is incredibly powerful because you can keep track of your financial documents and you can see how much you have been spending, when your credit card and household bills are due, and provide you with a good picture of your spending habit and where you may need to cut back some.

There is no budgeting or money management tool that suits everyone. It’s up to you to find which budgeting tool suits you best. Try a few of them and see how it works out for you. The objective is for you to find the right budgeting tool that suits your needs and your preferences.

Information About Wealth Budgeting

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Part Time Jobs

2011-03-04T11:59:00.001+08:00

Dear Readers

Sorry i am late for the post of this month. Hopefully you guys still can read me. Today i going to share with you part time job. Who doesn’t want extra money?

With the rising costs of just about everything today — food, housing, education, health care, cars — extra money is always a welcome addition to the budget. More money means the ability to save more for the future, whether it’s towards retirement or for your children’s education. When you have more money in your bank account, you’re more liquid, and you know you have enough to spend and invest.

So how exactly can you make extra money? Start by looking at how much time during the day you basically aren’t doing anything. Identify your idle or free times. These times are those times you’re resting, napping, reading, watching television or doing your hobby. These times are the perfect time for you to get into activities or projects that can earn you money on the side, in addition to your regular income. If you have huge blocks of free time on some days, why not consider getting a part-time job? Instead of simply doing nothing during your free time, you can engage in something that you like and help you make extra money too.

There are several reasons it’s a good idea to get a part-time job. For one, it’s an additional source of income. You can save the money you earn from a part-time job for a vacation you’ve been wanting to take for a long time. Another option is to invest in your future.(Recommended) Or you can perhaps put the money towards your children’s college funds or save it for a new car or house payments. With a part-time job, you can be much more productive of your time.

If you’re a student, a part-time job can be a valuable experience and introduce you to the real world. You can learn new skills and know your way in and out of a particular job. And if you’re lucky enough to find a part-time job that’s in line with your career goals, you get to already have one foot in the door so to speak. When you graduate, you already have a place to apply for a full time job and climb up the company ladder.

Are you a social person? Do you love meeting new people and networking? A part-time job can provide you with this kind of opportunity. The part-time job you find may not be a job you envision yourself doing in the long-term, but you are likely to meet people who can give you leads to other jobs or to people who may be working in the type of job you want.

Part-time jobs are everywhere. Start by looking at the classifieds section of your newspaper. (And read my blog too haha) If you want to work for a specific company in your area (e.g., fast food, department store or office), call them up or go to their place of business and ask if they have part-time positions available. Ask your family, relatives, friends, friends of friends or anyone you know if they know of a company that’s looking to hire someone part-time.

If you’re the entrepreneurial type, you can start making extra money by offering your services while you’re at home. Some part-time jobs you can operate right from your own home include tutorial, writing, web design, home repairs, party planning and etc

If you’re Internet savvy and willing to learn new skills, there’s a lot of people who run online businesses who may be needing a virtual assistant — someone who can respond to their e-mails, do minor updates on their sites, post online ads, etc.

How many hours you devote on the part-time job depends on the job you take as well as how much hours you’re willing to put in. You can work only a few days per week, in the mornings or afternoons, or even during the weekends. Of course, if you already have a regular job, you will have to do some balancing to make sure that your part-time job doesn’t take away from the hours you devote to your full-time job. The key is efficient management of your time and energy. Once you get the hang of managing your time wisely, you’ll see that getting that part-time job is paying off big-time.

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The Triangle Of Wealth

2011-02-28T14:37:00.004+08:00

Information About Wealth Triangle Wealth

Dear Readers

This is an interesting article i get permission from Mr David. He is a freelance writer in Malaysia. He is using 3 legs to determine his wealth. Hope his sharing will benefit us a lot. ;)

Keeping in mind that getting rich means different things to different people, there are only 3 ways you can get rich. These three wealth producing ways all involve the 3 legs of your personal finance triangle. While it may not happen overnight, if you sufficiently strengthen any or all of those three legs, you’ll eventually get rich. To get rich more quickly, you must rely on maximizing the effects of all three financial legs.

To maximize the three legs you can increase your income, spend less money, or make your existing money work harder. Spending less will allow you to use your existing income for investing, savings, and expenses you’d otherwise have to borrow for. There are many things you can do to spend less money, but in order to get started strengthening this leg, you need a baseline of how much you are spending now. Make a budget and include all your current monthly expenses. After you’ve done this, you’ll be able to see where you can cut spending and where you can’t.

To increase you income, you have a few options. You can earn more at your current job, change jobs to one with higher pay, or get an additional job to augment your existing income. Part time jobs are great for this. You can start your own part time business, or pick up one working for someone else. If you try to earn more at your current job, you’ll need to find out what comparable positions pay elsewhere, so you know where to start. If you’re of a mind to change jobs, you can choose to switch to a different position within your field, or change careers entirely.

The third leg of the personal finance triangle involves making the money you already have work harder for you. You can do this by investing it if you don’t really invest now, or by earning a greater return if you are an investor already. You can also take advantage of the principle of leverage to multiply your money’s growth power. A great example of this is investing in real estate. Real estate, or any other leveraged investment, allows you to control, and profit from, a relatively large amount of capital with a comparatively small amount of money.

There are many ways to strengthen the three legs of the triangle. Between creative ways to save money, places to find employment, getting more money where you work now, and investing to earn greater returns, you’ll be able to grow a nest egg that will really make you rich, just don’t expect it to happen overnight.

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Multiple Streams of Income

2011-02-23T10:31:00.002+08:00

Dear Readers

Did you know that there are only 3 real ways on how stream of income in your life come from.

The 1st one revolves around what most of you do every day. You work in a job. You exchange your time for money. This is the major source of income for approximately 95% of the population. You give 8 - 10 hours or more per day, 5 - 6 days per week in return for an income that doesn’t always meet your needs. If you take into consideration the time it takes you to commute to and from work for no financial gain then that is more time you are using out of your week that is of no real benefit to you financially. Your attempts to save money can be a long and arduous process, and is often achieved at the expense of your health, your family and your lifestyle.

The 2nd way approximately 4% of the population is made by investing. Some people invest in their own business or someone else’s, while others enter the property market or trade in shares. Good news is more and more people going into this stage. Bad news is very few move to this level of investment because for some they do not understand how it works, and for others they don’t want to know anyway. They are happy drifting along with whatever life throws their way. Others will never consider this as they are fearful of losing the little they already have, or they hold lots of self limiting beliefs that prevent them from stepping outside their comfort zone.

The 3rd way, having multiple streams of income, is the most effective and only around 1% of the population ever achieve this level. Yet in this day and age anyone can achieve this level of income if they so desire. The only thing that will prevent you from achieving this level of income is the thoughts you hold around whether you think you can, or you think you can’t. If you learn to believe and have total faith in yourself that you deserve to have the best of everything in life, then anything is possible.

What does that mean to you multiple streams of income? Meaning you build a source of income example Forex Trading until this income is stable(continue to earn profit) Then go for the next source of income example Internet Home Business, then again the next source and so on.
Just think about it for a minute. When you have multiple streams of income you can be earning money while you sleep, while you are on holiday and if you so desire you can eventually say goodbye to that 9 - 5 job. There are many opportunities and ideas around that can show you how to create multiple streams of income. Imagine how you would feel if you no longer had to go to work for someone else every day. You get up when you feel like it, not when your alarm clock rudely reminds you to. You can do the things you enjoy doing every day like fishing, going to the gym, enjoying a leisurely lunch at your favourite restaurant, gardening or whatever you choose to do. Imagine being able to go on holidaying when you feel like it, not when your Boss tells you too. Working the hours that suit you, not the hours to suit someone else.

Of course I am forgetting to mention that there is a 4th source of income that can make you very wealthy without any effort at all. Unfortunately, most of us do not fall into this category. All you need is to have wealthy parents like Paris Hilton does, or to inherit large sums of money from a wealthy relative. However, the only thing preventing you from having that same wealth is your mindset. Wouldn’t it be nice if you could create that kind of wealth for your kids. Don’t forget that you would need to encourage them to have the right mindset to deal with that wealth, which is perhaps something that Paris Hilton hasn’t discovered as yet.

So forget all the excuses about why you don’t have enough money, or you are unable to live the lifestyle that you want. Here is an opportunity that can start moving you into that top 1% earning bracket. It’s simple and easy to follow, and the best part is that you are earning as you are learning.

Information About Wealth Easyphamax

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Green Beverly Hill

2011-02-21T10:04:00.002+08:00

Dear Readers

This is once in a lifetime opportunity i want to share with you. Why i say that? Take a look at this theme property.

Information About Wealth GreenBeverlyHills

Like a celestial dragon that rises from the depths of the earth, Green Beverly Hills is a convergence of nature, gathering the elements of the earth (forest), water (lake), fire (sun) and air (sky). Together, they form a work of mystical beauty that invites your presence.

This whole project is a 10 years project and divided into total 8 phases. The 350-acre land comprises 70 acres of virgin forest, 40 acres of organic farm, 20 acres of natural lake and 8-themed herb gardens set aside to provide a healthy and natural lifestyle for its residents. The rest of the vast acreage houses a 5-star hotel; club house; condominiums; duplexes; sky, tree and water-themed villas; and a shopping mall.

I really wish to share all informations regarding this theme property here but i am afraid i cannot because picture represent thousand words, video represent million words! :) Here is a video link you can look out for. :)

P.S Sorry the video is in mandarin speaking. But is still an enjoyable video clip.

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Ways to supplement your Income

2011-02-15T12:47:00.002+08:00

Dear Readers

Happy New Year, Gong Xi Fa Cai to everyone. :)

Chinese new year alomst come to an end so what have you huat so far? Today i going to share with you ways to supplement your income so that you can really huat ah!

There are many things out there you can do to supplement your income. However, since most of the time people don’t get to do what they love to do in their primary jobs ( they are most like to be working for the paychecks) first of all you have to ask yourself a few simple questions. This is an important step as you want to enjoy yourself as well as earning some income at the same time.

- What is your hobby?

- What is it that you can continue to enjoy to do even though there’s no money involved in it?

- Can you get support from your family members in what you intend to do? (Not necessary but you will soon find that it will be much easier if you had their support or understanding)

- Do you need any special facilities or equipments and how much cost would be incurred?

Having thought about all these questions mentioned, you have various choice of jobs that you can start-off as a part-timer or as a hobby. Besides generating some income for you, it can continue to be your favourite past-time. You can relax yourselves and free yourselves from the daily stress.

Among the choices that you have:

- Teach part time

This can include at colleges/institutes or giving private tuition.

- Baby sit

If you find that you love kids, you can always offer baby sitting service, starting from your relatives.

- Designing websites

You can help to design and maintain websites for the small business owners and gradually as your skills improve, you may even offer your services to the corporate group as well.

- Service computers

Usually customers find it difficult to troubleshoot or maintain a pc (from viruses, defragmenting, installation of software,etc) after their warranty period is over. Why not offer your service in this area?

- Tailoring service

If your service is good and you are good with your hands, you are sure to have your hands full especially during festive seasons.

- Bridal & make-up service

This seasonal service is also good for a part-timer who is artistic and creative. Together with this, you can have decoration service also included.

The examples given above are merely to jumpstart in case you are having difficulties looking for ideas. But you don’t have to limit yourself to these jobs alone as you can come up with your own method to supplement your income as you should know best what you are good at! Sky is the limit.

Of course the best is we can get passive income. However different warriors have different power skills. You need to understand yourself more which suit you better. :)

Information About Wealth SavingMoney

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Passive Income Opportunity Or A Residual Income Opportunity

2011-01-28T14:52:00.002+08:00

Dear Readers

There are many network marketers or other business partners who keep on using the terms Residual Income and Passive Income interchangeably. On the other hand, there are others who strictly use one or the other to identify certain ways of generating income. The question is: which of these approaches are correct? Is the passive income opportunity and the residual income opportunity the two different sides of a coin, or are they the same?

I found this article from 101 ways to earn money website to post here to let you all understand these 2 words they are not the same. Here you go...

Passive Income

Passive income is defined as income that can be generated despite the fact that the person earning it isn’t actively involved. In simpler terms, passive income doesn’t require that you spend your efforts in order to make it. A very tempting and exciting idea for anyone! All you have to do is make a few business investments, and relax while others work on getting you your profits.
Some examples of passive income include rent from properties, dividends and interests of stocks and bonds, and pensions. However, in the virtual world, passive income can be accumulated differently. For example, you can invest some cash in making your website search engine friendly. This way, you won’t have to market your products, and instead rely on search engines to lead potential customers to you.

Pay Per Click marketing methods are another way of creating a passive income. Through PPC, you will pay advertisers to vigorously market what you have to offer. Though you will have to part with a small share of your profits, you will still be able to have just enough to allow you with a semi-luxurious lifestyle. Similarly, setting up your own affiliate program will ensure you of considerable amounts which require very little work on your end.

Residual Income

The concept of residual income contradicts that of passive income. Whereas the latter doesn’t involve any work, residual income requires it. By definition, residual income consists of recurring payments which are received after an initial effort had been made. For example, had you written and published a book, you can enjoy the royalties you will get whenever someone uses your material. Essentially, just start working on something and let the profits flow.
Taking the previous examples, if you decide to work on the optimizing your website for search engines, your effort will eventually pay up later on. Affiliate programs are also a good example of residual income. An internet marketer will be paid commissions whenever his articles or websites lead internet shoppers to a retailer’s website.

After you had reviewed the definitions of both passive income and residual income, you will definitely deduce that they are completely different. But, the income types are both linked. So, starting with residual income you can quite possibly end up as passive income. Here’s an example:

You have a bring idea and put you blood, sweat and tears into designing a piece of software that teaches the alphabet to toddlers. Whenever someone downloads the program, you will be getting residual income. However, had you sold that program to a software development company, you will be getting royalties from that company on a regular basis. Thus, you will be earning passive income.

So, Which One’s Better?

Well, if you’re planning to do everything yourself, both will be a necessity for you. However, which of these is better depends on what you are willing to offer. If you can provide the efforts to make something rather than its finances, residual income will be a better option. On the other hand, if you don’t have the time or skills necessary to start something, yet have a healthy bank account, then passive income may seem more feasible.

Whether you’re opting for the passive income opportunity or the residual income opportunity, you will be earning a lot of money while working less. And this is due to each process being automated, you hardly need to spend much time or effort at all.

Information About Wealth PassiveorResidual

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Fast Money Easy Money

2011-01-27T14:20:00.003+08:00

Dear Readers

Chinese New Year is coming very soon. Have you done your shopping? If not got to do so. I going tonight to do my shopping yeah. :)

Today while i surf net, i saw this article very interesting talking about Fast Money, Easy Money topic. This article will empower you to do what is best for you.

Fast money, easy money, is the type of money people often stigmatize as dishonest or illegal. The "work for an hour get paid for an hour" mentality is often associated with security and therefore safety. So much so that fast and easy money is often darkened and given a black hat. As if getting money fast and easy must mean it was ill gotten. There is nothing further from the truth. In today's world, in today's economy it is much more recognized that we are paid for value and not time, we are paid for delivery and not difficulty.

Simply put, my first point is that fast, easy and quick money is legitimate and desire-able. It is certainly the best "type" of money there is providing it was not ill gotten. There is a difference between fast easy money you got the smart way and fast money you got from robbing a bank for example.

If you required say.....$12,000 in 10 days....could you do it? What if you needed $10,700 in 5 days...could you get that type of money and would it be easy for you? My answer is yes and yes. I know this and I don't even know you but I know the world, I know whats possible and I know what people can do if they simply apply themselves and are given the right knowledge tools and skills.

The 3 simple secrets to Fast Easy Money

1 Identify Demand that is Ridiculously Under-Serviced.

Imagine for a minute the last time you had a problem and couldn't find a solution to it. The problem as each day went by became worse and worse and was keeping you from enjoying your life as you should be. After a few months...what would you be willing to pay if someone came along and potentially had the answer to your problem? They had a product or service that potentially had a complete key to your problem.

Would you pay $100? would you pay $2000? what about $5000? If they assured you a money back guarantee to solve your problem would you pay $10,000 to get your problem solved? I guarantee it. If your problem was pressing enough and painful enough you definitely would even part with $10,000 depending on the urgency of your need. If you had it you would pay it.

So on the basis of this essential reality, we can say that fast easy money can be found in areas of life where there are many people with the same problem that they have an urgent need to resolve. A problem that you can take the time and effort to find a resolution for and offer to sell to these people.

Demand....is the number one simple secret to fast easy money.

2 Develop a cost effective solution.

This is the easy part. You may think I'm crazy for saying that because if all these people have this problem and no-one has found a solution, what chance do you possibly stand? But here is the thing. YOU don't have the problem. That means you have an objective point of view. The second reason is that you are immensely motivated. You want fast and easy money "They" see the problem from a weakened position as a victim of whatever need they may have, however "you" are highly motivated and see their problem as an opportunity.

Extremely positive position to be in!

So finding the solution is not as difficult as it may seem and often quite a ridiculously easy idea to implement. Your job is to create a product or service that embodies this solution.

3 Refine your activities as you go.

The Pareto principle states that 20% of activities are responsible for 80% of our results. The Pareto principle is an age old business platitude and observation. It observes that reality is not even by nature but that it is lop sided. This means in plain English, that if we drop the remaining 80% of activities that are only responsible for 20% of our results we can create quadruple our results simply by doing that 20% activity 100% of the time.

All that fancy business rhetoric can be boiled down to one word...."specialize" Drop whats not making you money and specialize in what does make you money.

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Hope you like this article. Happy New Year to everyone of you here. Huat Ah!
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3 Secret of Success

2011-01-20T12:21:00.002+08:00

Dear Readers

Have you ever looked at someone that is ultra-successful and just wondered if there is some secret that they know that you don’t? I think most people have thought that at least once even if is was a small thought. If the truth be told, you probably know a lot of the same secrets that they do but just don’t know it. Here are 3 of those secrets so you can become ultra-successful as well.

1. Success takes consistent action and effort.

Most of the successful people that you will meet in your life have a very consistent in what they do. They are not all over the place doing one thing one day and then doing something else the next. You have to learn to be consistent and not waiver in your effort. If you aren’t consistent you are hurting your chances of ever succeeding.

2. They all have mentors.

Try this. Ask ten average, normal people if they have a mentor in their life. Then ask ten very successful people if they have a mentor in their life. I can almost guarantee that the most of the successful people do and the average people don’t. Once of the reasons why successful people have become successful is because they understand the importance of a mentor. If you don’t understand why it’s so important, ask one of those successful people that do have a mentor why it’s important.

3. They never stop trying.

Successful people aren’t successful because they succeed more than everyone else. They are successful because they have tried and failed more then everyone else. If you fail at something you can’t just give up and expect to be successful one day. You have to keep trying until you find what works. When you do your life will never be the same.

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Learn How to Make Use of Your Money

2011-01-13T11:56:00.002+08:00

Dear Readers

Most of us know how to spend the money but many do not know how to make use of money to work for them. Spending is not your only option when comes to make the smart choices about using money. You can smartly combine Savings and Investing of your money to make your money work for you and help you to generate passive cash stream to your account.

Savings Vs Investing

Saving and investing are two different things. When you save you earn interest, when you invest, your money makes money. Saving is for the short term, investing is for the long term. When you combine saving and investing, you're not only setting money aside, you're also putting your money to work for you.

You create your emergency fund through savings. This fund is important to protect you if you lose or quit your job and need time to find a new job. An emergency fund is important to save you from any financial crisis and helps you to sleep well at night because you know you are prepared for what might happen.

After protecting your short-term needs through savings, you can grow a portion of you money for long-term needs or generating a steady stream of income to improve your living style. Here's comes the important of Investing. The main purpose of investing is to use money to make more money for you. Almost all investments have certain level of risk; in general, the higher the risk, the better the potential return. It's also means that the higher the risk, the higher the potential loses. You may need to take on additional level of risk in exchange for a higher level of return than what you can earn in an ordinary savings account. That's why the combination of savings and investing are a work perfectly to make your money work for you through investing while protecting you from any financial disaster through savings.

When we talk about investing the money, commonly it means that putting your money into the money markets. Money markets are really mutual funds of cash investments like bonds, fixed deposits, and cash, and are managed by professional money managers. Many investment companies that offer a money market account will waive your initial investment if you set you a regular investment plan with them such as $25 or $50 per month. You can utilize this advantage to get your money market account open and put your money to work for you.

But take note that the above 2 paragraphs might not be true anymore as years goes by. Inflation goes as high as 5%. By putting money into places where gives you less than 5% meaning throwing money into the river. Lower risk = lower return, higher risk = higher return is no longer applied in this century. The latest one will be low risk = financial educated & high return, high risk = lack of financial education & no return.

In Summary

Investing into money market get you a higher return than savings accounts, it is a good way to use your money to makes more money for you. While investing your money into the money market, you need to create your emergency fund in your savings account so that you are protected from any unexpected financial crisis.

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Money Money Money

2011-01-10T10:16:00.002+08:00

Dear Readers

A very good Monday to you. Today i going to share with you the same letter word of today "M". They keyword is Money. What does money meant to you?

"Shawn, are you crazy? Who don't want money and who dont know what is money?" Well this is the response i get from many people in fact ALL people i met. That's why i want to share with you what is money all about. You can read on to find out...

Money is Good
In this day and age that we live in, money is not only good, but absolutely essential. Besides air, it may be the next most important thing in life. Of course health, love, family, friendship, faith, and happiness are all very important too, but how do we eat, or pay rent, or go to the doctor without having money? Until we change society dramatically, money will always be number two on a scale of importance, with air being number one.

That doesn't mean that money should be one's only reason for existence as that would be a weird and unnatural form of money worshipping. To function in society we have to have a certain amount of money to operate comfortably. That could mean $200 per week or $400 per week depending on your circumstances and your location. Anything above that survival amount is less important than your health, your family, your happiness, your friends, and your spiritual life. Anything below that amount becomes a struggle for survival and should avoided at all costs.

Money is not the Root of all Evil

Many people form their opinions about money from an early age. Unfortunately this means that many untruths get picked up from those in our life that mean well. One of the biggest untruths is that money is evil and the cause of all our problems. This may have come from our parents or religious authorities or mentors trying to teach us their beliefs.

True, money has been involved in many of society's problems, but it is really the people that are causing the problems. Money is really just a tool that is used and abused by people. While there are many people willing to kill or die for money, there are more people using money to heal the sick and feed the poor.

A good person will do good with money, while a bad person will usually do evil. A knife shouldn't be labeled evil because of a few bad people using them incorrectly.

Money can buy Happiness

Another common term that money has been burdened with is that it can't buy happiness. This is partly true yet mostly false. It is quite possible to have very little money and live a very happy and fulfilled life. But if you have less money than is required for survival and the bills are coming in, your landlord is chasing you, and your children are hungry.. how happy would you be?

I will be very happy as I believe that money can increase my happiness. It makes me happy to give to friends, to own a house, to eat organic and healthier foods, to provide for my family, to wear comfortable clothes, and to drive a car that is friendlier to the environment.

Look at the two richest men in the world as an example. Bill Gates is finding his greatest happiness in giving his money to those that are less fortunate. His friend, Warren Buffett has plegded the majority of his fortune to the Bill and Melinda Gates Foundation. They are working on solving some of the biggest problems in society because they have the money to do it. Very few wealthy people find happiness in clinging to their great fortunes. They find happiness in providing for their families, their community, and even solving global issues.

Increase your Money

Even if you do believe that money is evil and that money can't buy happiness, it is hard to argue that your life would not be better if you had a little more money. You may not want a million dollar home or a hundred thousand dollar sports car, but being able to pay the bills on time and eating good food should be the starting point for any happy individual.
There are ways to increase the amount of money you have with very little sacrifice to your current lifestyle. There are ways that are so simple that most people disregard the advice because they think money is not that easy to acquire. You don't needs accountants and financial advisors or even a large income to start becoming wealthy. All you need is commitment, persistence, and time to have more money.

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Happy New Year Look

2011-01-03T11:44:00.003+08:00

Dear Readers

Happy New Year to all of you! :) Today i had help my friend Sandy to post her website in my blog. I had published it below my saving calculator. Do support her yah.

What is the website all about? Debt consolidation is favorable for those who're struggling to manage multiple debts and cannot afford to make several payments each month.So their program gives them a way out by which they can replace multiple bills with one low monthly payment and pay off debt with ease.
I wish everybody again a very happy new year. In chinese we say Huat ah!

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