I found that I have bad negative cash flow for maintaining my web server. I think I need to do something. Start from now, I think what I can do is

• get more earning from my websites by driving more traffic my websites and write more content
• get more people host their website on my server
• observe and see if need to get a cheaper server

Hope I can get positive cash flow by end of this year!

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Other banks and other Touch & Go counter charge you RM0.50 for each successful transaction (reload) which I think the fee is quite high and not worth it when you load a small amount into the card.

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Dollar cost averaging, where you invest your money of certain fixed amount with a frequency of time in investment.
Pro - You lower your average cost of buying stock which also lower the risk of investment.
Con - You get average return.

Lump sum method, where you invest all your money at a time.
Pro - Higher return.
Con - Higher risk because you will get higher lose as well.

The first method seems to be a better choice of investment (better return) in long term but the statistic does not agree with that. MoneyChimp.com did a study and analysis on both methods against the historical data of S&P from year 1950 to 2009. It shows that the lump sum method is better than dollar cost averaging method. Dollar cost averaging is statistically losing about two times out of three.

In my investment, I won't use both method. I invest in a stock based on its fundamental. I buy in company share when the it is under-priced, sell the company share when it is overpriced and keep the company share as long as the company make money and growing. There is no time limit, no target price, I can buy and sell anytime as long as it meets the requirement I have set: under-priced or overpriced. I believe in this way, in long term, you will only earn and no lose.

So what is your investment method?

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写这一篇“东西”，是为了警惕自己，要坚持投资，绝不可投机。也顺便提醒身边的朋友。

我投资，不是为了要在短时间里富有，而是为了要达到财务自由，为未来着想。试想一下，如果有一天你不能工作了，没能力赚钱了，你要怎样养家呢？难道要年老的父母亲或年幼的孩子出外工作养家吗？

何谓《投资》？

投资，就是把钱投入资本。买股票是一种投资。买股票就是买股份，有股份就是有份参与生意。也就是说，投资股票等于参与生意。把钱投入赚钱的生意，长期拥有，财务自由的一天，绝不是梦。

何谓《投机》？

投机，就是把钱投入机会。投机和赌钱是没有分别的。投机对我来说是件很辛苦的事。我知道是因为我试过。每天需要坐在电脑荧幕前面，看着自己的股票上下，还要担惊受怕。与其如此，不如把钱丢在赌台上，一下就知道赚或亏， 简单 快 又潇洒。

在赌台上，你不是赌神，你不知道几时会赢钱或输钱。那谁是赌神？赌场的大老板才是赌神。他知道十赌九输，赢的一定是庄家，所有就把《赌》经营成企业，年年赚大钱。难怪林先生能成为我国的十大首富之一。

在股市要赢，就要做庄家。谁是庄家呢？他们就是股票后面上市公司里的大股东。他们只抱着做生意赚大钱的心来致富，从不用他们自己的股票做赌注。身为小户的我们与他们 一起参与生意 一起做庄 准没错吧！

为什么《投资股票》不能等？

很多人觉得创业，做生意，两三年才拿回本，开始赚钱，是值得等的。

很多人觉得投资地产，买屋买店买地，等一年，十年，二十年，甚至三十年，才开始赚钱，也是值得等的。

买股票也就是参与生意，为什么不能等？要投资 要致富 就要有耐心啊。。。

要怎样《投资》股票，才可赚钱呢？

要赚钱，就要投资在《优质》的公司，然后《长期拥有》。何谓优质公司？优质的公司就是年年赚大钱的公司。何谓长期拥有？只要这公司年年赚大钱，就应该拥有它。

要赚大钱，就要投资在《有成长》的《优质》公司，然后《长期拥有》。何为有成长？一个有成长的公司，赚的钱，一年比一年多。

要赚更多钱，就要投资在《有成长》的《优质》公司，《低价》买入，然后《长期拥有》，《高价》卖出。何为《高/低价》。（1）一个RM10的股票每年每股净赚RM2 比 （2）一个RM1的股票每年每股净赚RM0.01《便宜》/《低》得多。（2）赚的比你把钱放进银行的定期存款还来的少，少得很可怜。所以，一定注意买入的价钱和它对比的盈利，要考量值不值得用这个价钱买入或卖出某个股。

坚持反响策略，《低价》买好股，长期持有，必胜！

以上的概念是来自《冷眼》。谢谢《冷眼》的教诲！

First time write in chinese 发觉，最近我好像变了“講故股佬”。。哈:P

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The reason I bought this counter is it's earning keep growing, debt becomes lesser (more cash), start giving out attractive dividend consistently and it is a MLM company (In my humble opinion, MLM is a very good business model).

Actually I planned to keep this counter for long time or until it rise more than RM1.20 the I will sell it. But don't know why I sold it at RM0.80+. Maybe due to reason seeing friends around keep buying and selling stocks recently. Hmm... I should be more discipline next time.

Well, for now. I think I will wait and see if I have any chance to buy this counter again at around September if it goes below 0.80. Never chase for high or low... Never catch the falling knife!

The next quarter financial report should be at the end of October this year.

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Below is the list of top 30 equities listed on Bursa Malaysia invested by EPF:

Source: KWSP website

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To me I think I will wait and see. I will wait until before the world cup end and see if I need to buy in more stocks that are on cheap sales.Buy on dip and sell on the rise.

For now, the best thing to do will be ... do nothing when you have nothing to do.

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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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