Nuffnang have a huge amount of registered bloggers from Singapore, Malaysia, Philippines and Australia that have attract a lot of huge advertiser like Nike, Citibank, Nokia, F&N, Disney Pictures, Honda, Samsung, Proctor and Gamble and many more to advertise on Nuffnang.

How Nuffnang Works?

Unlike contextual advertising, for example Google Adsense, Nuffnang doesn't analyze the site content to show relevant advertisement. An advertisement will only be shown up on your site when it is available. The type of advertisements to be shown on your blog are based on the information/survey you have given when you add a blog to you Nuffnang account. So be sure to choose your best theme for your blog.

CPC advertisements

There are two ways you can earn money from Nuffnang. You can not choose which way to earn money because the Nuffnang's advertising system will choose the available one for you.

CPC or cost per click is you earn certain amount of money when someone clicks a Nuffnang advertisement from your website. You will be paid a fixed amount for each click on the ad unit that is running the CPC campaign.

CPM advertisments

CPM or cost per impression is you earn certain amount of money by displaying ads and the earning is depend on the number of average unique visitors you received in the week that the ad campaign is built.

For each CPM campaign, there will be a fixed amount for every ad unit. The amount depends on what your Blogger band is. The higher the more you will receive. The band are determine by many factors such as traffics and unique visitors).

MCPM advertisements

MCPM or metered cost per impression is a special advertisements in Nuffnang where the advertisers directly buy ad place from you blog. Their ads will be shown on your blog for several weeks.

The earnings for your mCPM campaign will be held in Buffered Earnings while the campaign is running till your blog finish serving the number of uniques the advertisers bought from your blog. Once your blog finish serving the number of uniques, the earnings will be credited to your Current Earnings.

How to receive money from Nuffnang?

When your earning has accumulated to RM50 or more, you are entitled to withdraw the amount from your account. Nuffnang pays its Glitterati bloggers 30 days after their cash out request date every end of the month (60 days for Ordinary).

Upon that, the cheque will be sent to the bank for processing and mailed to your registered address. The processing and delivery from the bank's side will take no longer than 3 weeks.

During registration, make sure you have entered the correct name and address to ensure you cheque won't get lost and can bank into yout bank account without any problem.

What is a Glitterati blogger?

A Glitterati blogger is an exclusive Nuffnang blogger that has no advertisements from any other ad network that originates from South East Asia on his/her blog.

As a Glitterati blogger, you get 20-40% higher or earning rate if compare to ordinary blogger, you get a shorter payment terms, better advertorial opportunities, better chances to join the community events, contests and you can submit your blog post to innit (a place like a news aggregator) to get more traffics.

Join Now!

If you have a blog and your major traffic come from Asia, you can start monetize your website now with Nuffnang!

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Advertisements (or ads) from Google Adsense are always relevant to the content the websites where they are being displayed. For example if your website is about "learning golf", Google Adsense will endeavor to display golf related advertisements on your website. With the targeted advertisement, it can provide your visitor the most relevant information and in return, you will get better earning.

Google Adsense for Content

There are several ways to earn money from your content with Google Adsense. The simplest way is to earn money directly from you website content. What you need to do is to setup ads in your Google Adsense account, copy the generated code and paste the code into your websites HTML source code. You can further tracking your Adsense earning in detailed by adding channels to your generated ads.

Google Adsense for Search

By putting Google Adsense for search in your website, you user can look for the most relevant information from your site or the Internet using the well-known Google search engine. Besides, it also suggest and display the relevant ads to your user and in other words to help you in maximizing your earning.

Google Adsense for Feed

Some of your website or blog subscribers may read your website's update via feed. So may want to show them the relevant ads in your website's feed. You can do so by integrating Google Adsense into your website's feed. You can integrate your feed with Google Adsense by transferring your feed traffic to FeedBurner, a free tools provided by Google to further analyze your feed traffic.

Google Adsense for Domain

You may have some unused or unwanted domain in hand and still get some traffic. Don't waste the traffic. You can use the Google Adsense for domain to display a list of relevant websites to you users. Your users get what they want and at the same time you earn some money.

How to Sign Up Google Adsense

Sign up with Google Adsense is free and easy. Before you can sign up with Google Adsense, you will need to have at least a website that does not have pornographic content. If your website or blog is new, make sure you have enough content on your site before sign up the program. I suggest that you to have a least 10 content-full pages and update it regularly. If you have a website and never update for a few years, your application will unlikely to be approved.

Do you have a website? Start monetizes your website with Google Adsense now!

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The revenue of NTPM, which is one of my most favorite stock, has been maintained at the level RM90 millions plus for the last 4 quarters which is a good sign that the company sales are improving. Overall the financial result is satisfactory and acceptable.

The closing price for NTPM today was RM0.550. In my humble opinion, I think any price below RM0.590 is consider undervalued (with the PER of 10) and I will consider to buy if I have the money. I think it is going to move up a little bit for the next few days.

Note: This is just a personal view and does not make any call to BUY or SELL any stock.

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For those who apply a new card next year (2010), he or she will need to pay the RM50 service tax upfront. For those who already have credit cards now, the charge will be imposed on the anniversary date of cards.

To Cut or Not To Cut, That's the Question

Now, it's time to decide whether you want to cancel your credit cards or not. Some people hold one or two cards and some people hold 10 cards or even more! Do you want to cancel all the cards; keep all the cards; or just keep one or two?

So it is quite hard for those people who are holding a lot of card because each card has its own advantages like to have discounts at merchants, cash back on the money you have used using the card, bonus points, free gifts and etc.

When to Cut?

You may still want to use your credit cards until they have reached their anniversary date. If you never use the card before, it's the to cancel it now. Remember to make the cancellation a week or two earlier if you mail them the cancellation request in an official letter.

Which One to Cut?

If you use credit cards a lot, I think, to keep two or three cards are enough. You will then need to pay RM50 to RM150 yearly. Although you may miss some of the advantages giving by the credit card companies but you can at least save RM50 per year for each card.

Here are some ideas you may find useful on deciding which cards to cancel:

• Cancel the cards that you rarely use. If you never use it recently, you will unlikely to use it again.
• Cancel the cards with poor services and inconvenience repayment options. Your petrol and time may worth more than RM50.
• Keep the credit cards that charge you zero annual fees (or waived by the card company). Save some money on annual fees.
• Keep the credit cards that have most bonus points. If you use it always, you will likely to use it again very soon.

Now, take out a paper and list out the credit cards' total transaction for one year, sort them from the biggest amount to the smallest one. Filter the list with the above suggestions, keep those you want to keep and cancel those unnecessary one.

Wait! Before You Cancel Your Credit Card

Before you cancel the credit cards, be sure to redeem all the bonus points in your credit cards, exchange the points with anything you like for free, be it the coupons, shirts, gadgets or whatever.

The bonus points are your money, you got them when you purchase something and they wouldn't exist without you to spend some money first. So redeem all the points whenever possible.

To cancel or not to cancel? that's your choice!

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The arrangement of "first name" and "last name" in different countries might be different. For example in Malaysia, banks put an account holder as "first name" "last name". But in PayPal, the account payee name is in this order "last name" "first name".

After you have registered a PayPal account, you are not allowed to change the account name. In order to change the account name, you will need to make a request to PayPal and at the same time you need to show proves, that the name you want to change to is actually your name.

You will need the following documents in order to complete your name change request process:

• A copy of a valid photo ID shows your new name. Acceptable forms of a photo ID are a driver's license, passport, or any other state or government issued photo ID.
• Proof of address document, such as a copy of a utility bill, bank or credit card statement in your name. Please note the name and the address on the statement must match the PayPal account.

And then, complete the following steps to upload the documents:

• Log in to your account at https://www.paypal.com/ by entering your email address and password in the Member Login box.
• Click 'Contact Us' in the footer of any PayPal page.
• Enter 'name change' in the search bar.
• Click 'Search'
• Click 'How do I change the name on my Personal/Premier PayPal account?'
• Click 'secure form'.Select the type of name change you would like to make.
• Click 'Continue' and follow the online instructions.

After you have submitted the form, it may take a few days until the changes are made.

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The replacement will take effect on on Monday, 21 December 2009. The reason why the replacement is made is not mentioned either in the article or the FTSE Group's announcement.

I think they replace Nestle with Parkson in FBM KLCI is because of the Nestle's stock price is much less fluctuate than the Parkson one. In this case, the FBM KLCI will look much more stable and also to prevent speculation on the index.

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Yes indeed. It is very possible. Many people out there are making thousands or even millions of dollars every month. And some of them can make a living online. They can also choose either to make money online by full time or part time.

Why It Is Possible to Make Money Online?

Every day, there are billions or even trillions of people surfing the Internet to look for something. People are looking for products, information, news, solutions, opinions and etc on the Internet. Internet is just like another virtual world on earth.

People are connected to each other by search engines, social sites and also websites. Therefore, you can think the Internet as a big market place. When you make your products or services online, your business is exposed to a big market which may meets a huge amount of potential customers.

Internet works 24 hours a day, 365 days a year and it never sleeps. When your business is up to the Internet, your business can operate 24 hours a days, 365 days a year and be reached by customers from different geographical locations.

It is also so convenience to get the information you want on the Internet nowadays. With the advanced search engines, you can easily find the most relevant information in just a few clicks in a web browser.

Getting connected to the Internet is also very easy too. Almost every home has at least one computer that is connected to Internet via high speed broadband or cable; free Wi-Fi services are also available everywhere; most computer or mobile devices come with user-friendly software that allow you surf the Internet with ease.

Why People Want to Make Money Online?

The main reason for one to make his or her business online available is so that the business can have better exposure with the big market place on the Internet. When the business is online, you can easily get more potential customer from all over the world.

For individual, the main reason to make money online is, of course to get more side income so that he or she has more money to spend and to buy the things he or she wants to. The money made from online can be a stream of passive income too. Once you have started to make money online, the income can be recurring and only little effort is required to maintain it.

For individual who has a full time job, he or she can also make money online and work on it part timely. He can have multiple streams of incomes without scarifying his or her full time jobs.

The cost of start making money online is small too. To start selling your products, you do not need a physical store ready to keep or display your products; what you need is a website that promotes your products. All you need to start is to rent a web hosting and pay for the domain name.

Online marketing and advertising is much cheaper if you compare them to the ordinary way of making a banner next to a highway; to advertise on different media like television and radio; or to hire people to promote your products. Other than that, online advertising also helps in reaching your products to more customers world-widely.

How People Make Money Online?

There are many ways people can make money online. I divide them into three broad categories:

• Offer information on your expertise - You can offer on what you passionate about: write a blog or website about camera reviews; write blog or website about fishing tips; and you can also share useful information about something you enjoy doing. From that, you can earn money by showing advertisements.
• Affiliate programs - You can also earn money online by referring buyers to e-commerce websites. From the sales you lead, you earn the commission. Depend on the policies of the e-merchant, most e-merchant allows you to join their affiliate programs for free.
• Sell products or offer services - If you have products or provide service to your clients offline, you can make them available online. You can setup an online shop (a virtual shop on the Internet) to sell your products or offer your services. Sales are just a few clicks away from that.
• Investment - With the high speed available on most of the place in this world, you can actually make your investment online too. You no longer need to call your brokers to place an order to a stock. Everything can be done online. Transferring money from credit cards or banks to your investment become so easy when it can be done online. Some of the investments can be done online are like stock markets, Forex, unit trusts, HYIP (High-yield investment program) and etc.

That's it. Make money online is very possible as long as you work hard on it and know the way it works.

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I think running a business is more like planning, finding more revenue and also managing risk. To make a venture more successful and smoothly, I think the following criteria must be met.

Full Time Business Partners

If you are starting a new venture with a few partners like me, it is better that all business partners to work full time. If not all, it is advisable at least most (majority) of the business partners are working full time.

This is because if, out of ten business partners and there is only one or two business partners are working full time, your business are not going run smoothly as projects are getting delays.

You will find various kinds of excuses like "I'm busy with this" and "I'm busy with that" or "I have forgotten this" and "I have forgotten that" from those who are working part time and these are the things that make your projects move slowly and get delayed.

Work Hard and Positive Attitude

Working hard is very important when starting in a new venture because you may have lack of fund in recruiting more people to work for you. You and your venture partners (or business partners) have to work on almost everything from top to down. You are the boss and you are the employee too at the beginning of the venture.

Other than working hard, you will also need to get rid of your negative attitudes and replace it with a positive mind. This is because whatever you say or think will influence the work you do and also your business partners. Control your though and stay positive.

Mean What You Say and Do What You Mean

You must always mean what you say and do what you mean. You must discipline yourself. Discipline is very important in making your venture to success. You may have seen people who say "I want A, B, C, D ... to be done" but actually done nothing meaningful or let the other do the rest. So always give something achievable, workable and give your own opinion or solution before asking from the others.

Distribution of Works

Distribution of works is very important in running a business because everyone has his/her own strengths and weaknesses on different fields. If one can do all the things by his/her own, he/she will no need to have business partners and he/she can be the only company. Besides, if works are distributed evenly, works can be done simultaneously and works can be done quickly.

Leverage

Leverage your business whenever possible. You can either get a loan from bank; get funding from the government or angle venture investor or from your own pocket money to make your business run. You cannot rely solely on the man powers from you business partners because it will be enough to make the business to grow.

You will need to recruit more man power to increase productivity, that is, to create more products, make more sales and generate more cash flow to your company to make the business run.

Comfortable Workplace

Well, you don't need to find a five-stars-hotel-like workplace but at lease a place that is suitable for your work. Starting to work from your home is a great idea if you are the only one in the house.

If you are staying with someone, you will find soon or later, you will need to find a place for your works. This is because you will need more privacy and less interruption for your works.

Imagine how you will feel when stand behind you and look at your computer screen while you are drafting an email to your client or your brother want to use your room for other purpose while you are rushing for a project?

So get a private workplace whenever possible.

Protect Yourself

Sole proprietorship or partnership will be good enough for starting a venture in small size. When your business grows bigger, you and your venture partners will be facing bigger risk. Do remember that the risk facing by sole proprietorship and partnership is unlimited; you and your partners are liable for every risk you are facing.

When your business grows to a certain level, you will need to protect yourself with a limited liability entity. That is, register a limited liability company. A company is a separate entity from the owner. If a person sues the company, only the assets of the company can be used to pay any legal judgment. The personal assets of the owner are safe. Therefore, protect yourself before it is too late.

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The Universities involved in this partnership with Google are Multimedia University (MMU) and  Universiti Tunku Abdul Rahman (UTAR). Ministry of International Trade and Industry (MITI) also involve in the Malaysia SME stimulus programme.

The first 100 businesses that currently don't have a website will get theirs for free. And the other will need to pay RM200 to get the website package offer. The latest update from Google website for the stimulus package shows that they have reached capacity for the free website offer. So there are no more freebies.

The website package's offers include free hosting on Blogger.com, 5 statics HTML pages (Homepage, Products/Services Gallery, Business Location page with map, About Us page, Contact Us page with form)  and one hour training on how to maintain your own website.

All new businesses new to Google Adwords qualify for RM200 free Google Adwords advertising. Now the question is here: Why one would buy the stimulus package for RM200 and to get a free RM200 free Google Adwords credit when most of the offers in the package can be found free on the Google search engine itself?

Hosting on Blogger.com is actually free. You can easily find tons of static HTML templates on the Internet. And about how to maintain your own website, you can simply "Google" it on the search engines and you will find a lot of valuable  information.

Maybe it is the training worth the money where you can save a lot of hours of research. If you are looking for a website for your business, you may want to take a look at the Malaysia SME Stimulus Package - Build a Website.

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One of the new service will be made available is PayPal introduce the support of payments in Malaysian Ringgit. This give Malaysian sellers and buyers the option to send money and get money in local currency for their domestic transactions.

PayPal Southeast Asia and India General Manager Mario Shiliashki said:

The introduction of our bank withdrawal service will help ease the pain for Malaysian PayPal sellers and is just one of the testaments to the investment we are deploying across Asia as well as our commitment to bring innovative, safer and more convenient solutions to Malaysia

I think PayPal made these services - to trade in local currency and withdrawal to local bank - are due to the increase of interest in selling or buying things on the Internet among Malaysians.

For Malaysian sellers, you can sell your thing to Malaysian in Ringgit Malaysia and accept the money exactly what you have shown on you website without the need of currency conversion. Besides, you can withdraw your money as soon as possible direct to your bank account too.

For Malaysian buyers, you can pay the exact amount shown on the website without the needs of converting it to US dollar and then can only know the conversion rate in Ringgit Malaysia after you have receive your credit card statement.

Read more about the news.

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