Making Money and Saving Money Tips

The Money's In The List ... Build A Large One, Real Fast!!!

2011-12-16T23:14:00.003+08:00

I stumbled upon and tested this software called fbresponse – check out my review…

fbresponse is a software that helps you create an optin page very quickly and easily, you tie it into your autoresponder system and when people come to the page it prefills in their information with their facebook information.

Why is this important?

For a few very important reasons: When someone lands on your optin page,

They don’t even have to fill in their details, it automatically detects their facebook details and auto-completes it!

Because it does this, it give you their PRIMARY email – an email account you know they most likely check and read.

To find out more details about this wonderful results producing name-list builder, click on "Register":

Click this link to order the product: Order FBresponse

Free SMS/MMS!

2010-11-20T12:21:00.000+08:00

What's WhatsApp?
Good news for heavy SMS/MMS-users! Now you can sms/mms, for FREE!
WhatsApp Messenger is a smartphone messaging application that allows you to send and receive messages to and from your friends and contacts without paying for SMS. It is cross platform and is available for iPhone, BlackBerry, Android and Nokia (beta) and of course, all these phones can all communicate with each other! To send and receive messages, It uses your existing smartphone internet data plan: 3G/EDGE (or Wi-Fi when available)

On top of messaging, iPhone, Android and BlackBerry WhatsApp Messenger users can send each other unlimited multimedia images, video and audio media messages. All at no extra cost! Whereas, you pay hefty fees, when smsing. Great Application, you shouldn't miss to save your hard-earned monies!

It only works among users who have downloaded and installed the application, so after you download it, make sure to use the "Tell a Friend" feature to share it with your friends and contacts in your address book.

And yes, of course BlackBerry, Android, Nokia and iPhone contacts can message each other - Download WhatsApp today from their site

Making & Saving Money: Recognising Market Cycles

2010-11-07T23:43:00.000+08:00

Part and parcel of making and saving money is knowing when and where to park or invest your moneys. Today, I Came across this interesting article entitled Living on the Investing Pendulum — And Getting Free by Michael Kay. Here are some poignant quotes taken from his article.

"Life is all about cycles; market cycles, life cycles, product cycles and even societal cycles. History bears that out pretty clearly. Lo and behold, even the unemployment figures are better today than six months ago, but no one was grabbing onto that, just the future cast of doom, gloom and the end of life, as we know it."

"Living in the extremes, under false beliefs and greed-based decision-making is rarely a successful methodology for living a satisfying money life. Jumping off the pendulum means understanding that cycles exist and what was once at the top, might be at the bottom tomorrow, only to rise back to the top another day. It means acknowledging that technologies that exist today, might look very different tomorrow as will the companies that currently bring those products to the market. We need to break free of the belief that current realities will always be. It means finding comfort in change and maybe even changing the channel."

Learning to Recognize these patterns of Market Cycle Changes and adapting ourselves to these Cycles of Change is the master-key to our Financial Survival and the mainstay of the avenue for us to avoid the potentially painful risk of investment and financial losses.

This is of course easier said than done, as it involves a life-time of financial education. Nevertheless, this knowledge in itself is a major breakthrough in the right direction.

Wishing you, all the best in all your endeavors in investing your money.

How to Make VOIP Calls from your Mobile Phone Using SIP

2010-07-08T21:01:00.005+08:00

We live in a very interesting techno age. Technological changes come so swiftly that we can hardly cope with it. We can now do things that we would never have in our wildest dreams thought possible just a short time ago. Just a few years ago, when you want to make free phone calls, you would have to be tied up to an internet-connected- Notebook at the least. Today, you can do just that with some of your smart mobile phones (aka smartphones). What a wonderful way to save our hard-earned monies, and at the same time stay connected with our friends and loved ones!
Read about it at How to Make VOIP calls from your mobile phone using SIP
There is also a Malaysian version of this at iCALL Global

iCALL Global Package for Unlimited Handphone Calls

2010-07-08T06:46:00.004+08:00

To all Malaysian Heavy Handphone Users, for a monthly commitment of only Rm30, you would get unlimited call to Malaysian phones within Malaysia, & at the same time,
retaining your Maxis, Digi & Celcom number - An exciting Telecommunications Breakthrough.
You are invited to preview the i-CALL Global Presentation & Demo.
Date: Friday, July 9, 2010
Time: 8:00pm
Location: Happy Team Global (M) Sdn Bhd, 53A, 53B, 53C, Jln Kenari 17F, Bdr Puchong Jaya, 47100 Puchong.
RSVP, due to limited seats: tee_frank@yahoo.com.
iCALL Global Package

Being At the Right Place at the Right Time is Important!

2010-06-29T00:55:00.003+08:00

A lot of people work very hard to make a living. Have you ever wondered what are among the worst paying jobs?
According to this website worst-paying-jobs, these are among the worst paying jobs:
Farm Laborers
Dishwashers
Servers in Restaurant and Hotels
Bartender Helpers
Counter Attendants
Cleaners
Cashiers
Just a cursory look at the table in the article The Most Expensive and Richest Cities in The World would tell tell you that there is a whale of a difference in the pay of the humble dishwasher in say Copenhagen, Seoul, and Jakarta.
Does that mean the dishwasher in Copenhagen is the most skillful among the three? Obviously no! From here, we can conclude that choosing where to work is just as important if not more important than what you choose as your vocation. My point is, in life, making the right, informed choices can make a world of a difference as to where you end up financially.

Thinking of Striking it Rich?

2010-06-22T22:15:00.000+08:00

Do you know these names?
Sergey Brin (aged 36) & Larry Page (aged 37) of Google each worth US$17.5 billion.
Jeffrey Preston Bezos (aged 46) of Amazon worth US$12.3 billion
Pierre Morad Omidyar (aged 43) of eBay worth US$5.5 Billion (2009)
Mark Zuckerberg (Aged 26) of Facebook worth US$4.0 billion
David Filo (aged 44) of Yahoo worth US$1.4 billion
Jerry Yang (aged 41) of Yahoo worth US$1.3 billion
What do they have in common? Where did they make their money?
How long did they take to make their money? If we are thinking about where to make our pile, where then do you think we ought to look at?

Source of statistics: Wikipedia.

hosoon.blogspot.com Recommends GMore Google Add-on

2010-06-17T21:30:00.001+08:00

hosoon.blogspot.com Recommends GMore Google Add-on: "

Add GMore to your Google to find what you need faster !

GMore is a free program that helps you search on Google.

It adds functionality and efficiency so you find what you need faster!It's simple, and it's free."

Tips on How to Streamline your Biz & Make It Lean & Mean

2010-06-17T13:18:00.002+08:00

With the business environment the world over today becoming more and more challenging, many small business owners often struggle to stay afloat. What with the ever escalating cost of doing business. High rentals, high staff salaries, expensive costs of transportation, and other business overheads. Wouldn't it be wonderful to find practicable ways to bring down these costs?

I recently came across this webpage that shares some fabulous Tips on How to Streamline your Biz & Make It Lean & Mean
Read it and share your thoughts here.

Save money! Use VOIP Instead of your Telephone / Cellphones!

2010-05-12T23:36:00.008+08:00

Make free PC-to-PC calls around the world to friends by using Voice Over Internet Protocol (VOIP) technology like Skype, Yahoo! Messenger, etc. There many other freeware that can be downloaded and installed and registered for to make free Internet Phone calls. Others may want to share and comment on these.
For example, with Yahoo! Messenger, you just need to select the friend from your contact list and click the Call button to get started. The friend you are calling and you, both need Yahoo! Messenger, a microphone and speakers (or a headset). If you own a notebook/netbook, you very likely already have these tools built-in. The same would apply for Skype.

You can make unlimited free PC-to-PC calls and the quality is almost impeccable. You would almost find it impossible to believe that it's free! PC-to-PC calling is currently available in the following versions of Yahoo! Messenger 10.
If your friend is unavailable, you can just leave him/her a free voicemail. Likewise, you can also receive voicemails from friends who were unable to reach you earlier. Voicemail messages are delivered as attachments to the email address of your choice.
Imagine, you can talk to each other for hours on end and you don't even have to pay a single cent for it all!

Must read If you are itching to invest ...

2010-05-06T17:35:00.004+08:00

Here's an informative link that I would recommend you click, if you are itching to invest in something: Investing 101- Bull Market or Bubble? How to Know the Difference
It shares useful tips with the would be investors on what to look out for investing pitfalls. All the best in your quest in investing.

Beat Your Breast Now, If You Didn't Buy Gold Earlier!

2009-11-26T13:50:00.004+08:00

Want to Save Money, make money actually, buy gold then! The price of gold has gone bonkers.
If you had bought 100g of gold in the second week of February 2009 at let's say Rm10,578.00 (Rm105.78 / g), today you would be laughing all the way to the bank because, your 100g of gold would be worth Rm13,280.00 (Rm132.80 / g). A return on your investment of 25.54% over a period of just over 9 months.
Even if you had the gold-sense to buy 100g of gold as late as in the middle of November 2009 at Rm12,313.00 (Rm123.13 /g), today you would wear a broad smile on your face because, it would be now worth Rm13,280. A return of 7.85% over a period of just 13 days!
Just a word of caution, I am not a gold-investment-expert. I just noticed that the price of gold has gone up like crazy! I shall not be liable in any way should you choose to buy gold now and the price of gold takes a tumble real soon. I really do not think this would be the case, but just in case, I do not want to be held liable for you personal investment choice.

Paying Off Your Credit Cards Faster

2009-11-02T21:24:00.001+08:00

Some of us just can't cut up our credit cards because we are unable to pay off our credit card debts.

Let me share with you a strategy I learned somewhere sometime back. Let's say I owe Bank A Rm10,000 and Bank B Rm2,000. If I pay the minimum payment of 5% I would be paying Bank A Rm500 and Bank B Rm100.

If I had Rm1,000 to pay these two credit cards. Most people would either pay Bank A Rm900 and Bank B Rm100; or even bank A Rm700 and Bank B Rm300. These are not the wisest moves.

The better strategy would be to pay Bank A Rm500 and Bank B Rm500. Generally all banks charge 1.5% per month on your credit card balances. So, the interest you would save is same whether you pay Bank A or Bank B, but in the long run, it would be better to pay Bank B. Why? You would get out of debt faster because after you have settled your debts with Bank B, you could apply from Bank B to do a Balance Transfer to Bank A.

In a Balance Transfer, Bank B takes over your debts to Bank A. For business considerations, Bank B will charge you monthly rates as low as 0.5% over a period of six (6), which is way below the normal rates of 1.5%. Imagine how much you would save in interests.

And if you can discipline yourself, you can "swing" between Bank A and Bank B once every six (6) months. Imagine how much in credit interests you would save! This is easier said than done. You need to be disciplined and you have to time it and refine the "technique". However, I assure you that it is worth your while!

Time To Cut Up Your Credit Cards!

2009-10-28T12:47:00.001+08:00

Time to cut up my credit cards!!! Time to tell my MP he had better fight 4 me on this (or else... he knows what to expect come the next GE ) Rm50 /credit card Service Tax! If you have 21 credit cards like some of us, you end up paying the M'sian Govt Rm1,050.00 service tax /year! Remember you still have to pay annual subscription fees! The average Platinum Mastercard Annual fee is Rm250. Multiply that by 21, it comes to a whopping Rm5,250.00. This is humungous!

Is Your Money Really Safe in the Bank?

2009-10-16T13:25:00.003+08:00

Further to my earlier post on June 4, 2009 entitled, The Amount of US dollars in Circulation is Skyrocketing. How Does that Affect you and me? I refer you to what Robert Kiyosaki recently posted in his Conspiracy of the Rich Bulletin:

Is Your Money Really Safe in the Bank?
Seems that even financial gurus are hurting in this economic downturn. Suze Orman recently teamed up with the FDIC in an endorsement campaign engineered to assure you that your money is safe in US banks. But as Robert says in his latest Conspiracy of the Rich bulletin, while your money might be physically safe in the bank – you could still be losing. "Suze claims that no one has lost money deposited in a bank that was insured by the FDIC. That may be true, but how do you define losing money? The true picture is that the Fed is printing trillions of dollars. This means you may not be losing your dollars, but your dollars are being diluted with trillions in counterfeit money. Parking your dollars in an insured bank causes them to lose purchasing power as commodities such as gold and oil are going up in price. "
– Excerpt from Robert’s Conspiracy of the Rich Bulletin

Think about it, this is the biggest Theft of the Nations. Is keeping cash really that safe now? What with the looming hyper-inflation and the apparent ongoing collapse of the world financial system? Thinking of depositing your hard-earn cash in the safe-and-secure bank, think again!

Anybody can think of any other alternatives?
Robert Kiyosaki recommends investing in precious metals like gold and silver.

Readers, Get Paid to Read!

2009-10-01T20:33:00.005+08:00

In these challenging times, saving money in itself, is never going to be enough. We need to discover ways to make some extra income on the side.
Wouldn't it be wonderful if we get paid to read?
No matter how outlandish this may sound to you, you can get paid to read!
I just got to know about this yesterday. They paid me $10 to sign up and I get paid to read their email advertisements.
To find out more, visit: hits4pay
All the best in our common quest of preservation and creation of our financial well-being.

The Amount of US dollars in Circulation is Skyrocketing. How Does that Affect you and me?

2009-06-04T22:48:00.003+08:00

An Idea That Could Cut Your Laser Printing Costs By Half

2008-10-23T20:43:00.003+08:00

Did you know that some of your photocopier machines can be converted into document centres or you could even rent your a document centre for practically nothing if you have reasonable printing volume. Talk to your photocopier machine supplier. He may be able to enlighten you on how to go about with this conversion and whether it would cost you anything.

Your laser printer cartridge can probably print about 2000 copies before running out of toner. At Rm250 each cartridge, the per copy printing cost is about 12.5 sen.

Most reconditioned copier machine suppliers within the Klang Valley would charge anything between 3 - 5 sen for each sheet printed, in order to maintain the photocopier machine and to supply all the consumables other than the paper. Some suppliers just take a refundable deposit and don't even charge a monthly rental.

Imagine how much printing costs you would save with this change and besides that as an added bonus, you now have an A3-size laser printer in the form of your photocopier machine.

How to Cut your Grocery Bills.

2008-07-20T23:57:00.006+08:00

Have you noticed how your grocery bills have gone up significantly within the past month? Some of the ways one can reduce the cost of groceries are as follows:

Make a shopping list beforehand. Get to the store, pick only what you need, pay and leave immediately.

Buy generic products. We tend to go for branded stuff but you have to pay more for them. There is no evidence that generic brands are of poorer quality. Many branded products simply have fancier packaging and labels -- the ingredients are the same as generic products.

Eat out less often. Food and beverages are a whole lot more expensive when you are away from home. So try to avoid being hungry and thirsty when you are out, have a drink and something light before leaving home, or take along a packed lunch or a few snacks with you.

Don’t overeat. Practise eating a smaller portion than you used to: eat till you feel three- quarters full and stop eating after that. The good side effect of this is that you would be trimmer and healthier.

Do Balance Transfers

2008-07-18T22:14:00.003+08:00

Did you know that if you had a Rm20,000 credit card balance and faithfully paid only the minimum 5% of balance owing (subject to a minimum of Rm50.00 per month when the 5% figure goes below Rm50 a month), it would take you 106 months to settle the debt? You would also have ended up paying about Rm8,170 in interests!

However, should you do a Balance Transfer (with a 0.25% interest charged per month), to another competing bank and settle the debt over a maximum period of 18 months, you would only have to pay a fixed monthly installment of Rm1,137.70 and incur an interest of only about Rm478.40.

Convert Your Car Into NGV (Natural Gas Vehicle)

2008-07-18T21:50:00.022+08:00

With the petrol cost now at Rm2.70 per litre, it makes sense to convert your car into an NGV vehicle!

The cost savings can be tremendous: The extreme case is my Naza Ria. On petrol, it costs about 50 sen/km but on CNG (Compressed Natural Gas), it costs only 9.5 sen/km. A whopping 80% savings!

CNG-converted Naza Ria

Naza Ria Engine CompartmentNaza Ria Gas Tank (Cover Opened)Naza Ria Gas Tank Cover Naza Ria CNG Level Indicator & Petrol-CNG Toggle Switch on Dashboard

To run my trusty Proton Wira 1.5GL on petrol, it costs 23 sen/km but on CNG, it costs only 5.5 sen/km!

CNG-converted Proton WiraProton Wira Engine CompartmentProton Wira Gas TankProton Wira CNG Level Indicator & Petrol-CNG Toggle Switch on Dashboard

Get your calculators out and calculate how much you would save! Scream at the BN government to install more CNG (usually wrongly called NGV) stations throughout the country. You really don't know what you're missing! My NGV conversion which costed me Rm5,200 and Rm4,200 respectively last year, was well worth every sen of it.