Wednesday, October 24, 2007

Get Paid For Reading Emails - Hits4Pay

Technorati Technorati Tags : , , ,

I've joined this free program about a year ago. It is a program where members got paid for reading emails sent to our mailbox. New members will be given a free USD10 bonus into their account. Minimum withdrawal is USD20 and each mail read normally ears about 0.02 cents. All payments are paid to your Pay-Pal account. The program is called Hits4Pay

I was quite skeptical initially about the program. How can u be paid without spending anything? There's no free lunch in this world! Anyway, since the program is free I guess there is no harm trying. It took quite sometime to reach USD20. My patient finally paid off when I requested withdrawal amounting to USD26.45. They actually paid the amount to my Pay-Pal! Here's the proof:

It was quite worth it since I did not spend a single cent on this program. For those who's interested in this program, u may click the banner below to join. No capital outlay, we just need to read the emails and walla the money will be sent to your Pay-Pal. It is neither an employment opportunity nor a get-rich-quick scheme. It is simply a way to earn some extra cash by viewing email ads from the advertisers. Too good to be true? You decide :)

Signing off at 11.20 p.m.

Thursday, October 18, 2007

US Economic and Market Daily

Technorati Technorati Tags : ,

The NASDAQ and S&P 500 gained while the DJIA declined. Housing starts declined by 10% in September to a total of 1.19 million units.

Initial jobless claims likely declined by 8,000 in the week of October 13, while beneficiaries rose by 14,000 during the filing period ended October 6.

Today's Developments
US equities were mixed today with the NASDAQ and S&P 500 up 1.04% and 0.18%, respectively, while the DJIA fell 0.15%. The disappointing housing starts data and a new record high for oil weighed on markets today. One-month oil futures traded up to $89.00 per barrel, on a deteriorating geopolitical climate in the Middle East, before closing at $87.18.

Treasuries advanced sharply, amid a flight to quality, as a worse-than-expected housing starts print and soft permits data signaled further weakness in October. The two-year yield closed at 3.98%, a 14bp move, and the ten-year yield retreated to 4.56%.

The dollar erased most of yesterday's gains against the euro ending the day at 1.4190. The yen gained again versus the dollar closing at 116.770 from 116.93 Tuesday.

The housing sector remained in a tailspin in September, while inflation continued to moderate. After the third quarter squeaked by with solid growth, largely on a narrower trade deficit, current data provided very little momentum heading into the fourth quarter.
Housing starts declined by 10% in September to 1.19 million units annualized. Most of the drop was in multifamily units, after a temporary surge boosted August numbers. Still, the report showed a 7% drop in building permits across all categories, suggesting that declines in construction activity are poised to accelerate in 4Q. With new home inventories exceeding eight months' supply (near two-decade highs), quickly falling construction can help alleviate the overhang. But so far, sales have fallen far faster than supplies. We await home sales data next week, which are also expected to reveal continued softening.

Tuesday, October 09, 2007

The Beauty of Math

Technorati Technorati Tags : ,

The following equation was posted by Nasir Ismail in SDARA yahoogroups. Very interesting indeed:
1 x 8 + 1 = 9
12 x 8 + 2 = 98
123 x 8 + 3 = 987
1234 x 8 + 4 = 9876
12345 x 8 + 5 = 98765
123456 x 8 + 6 = 987654
1234567 x 8 + 7 = 9876543
12345678 x 8 + 8 = 98765432
123456789 x 8 + 9 = 987654321

1 x 9 + 2 = 11
12 x 9 + 3 = 111
123 x 9 + 4 = 1111
1234 x 9 + 5 = 11111
12345 x 9 + 6 = 111111
123456 x 9 + 7 = 1111111
1234567 x 9 + 8 = 11111111
12345678 x 9 + 9 = 111111111
123456789 x 9 +10= 1111111111

9 x 9 + 7 = 88
98 x 9 + 6 = 888
987 x 9 + 5 = 8888
9876 x 9 + 4 = 88888
98765 x 9 + 3 = 888888
987654 x 9 + 2 = 8888888
9876543 x 9 + 1 = 88888888
98765432 x 9 + 0 = 888888888

Brilliant, isn't it?

And look at this symmetry:

1 x 1 = 1
11 x 11 = 121
111 x 111 = 12321
1111 x 1111 = 1234321
11111 x 11111 = 123454321
111111 x 111111 = 12345654321
1111111 x 1111111 = 1234567654321
11111111 x 11111111 = 123456787654321
111111111 x 111111111=123456789 87654321

Now, take a look at this...


From a strictly mathematical viewpoint:

What Equals 100%? What does it mean to give MORE than 100%?
Ever wonder about those people who say they are giving more than 100%?
We have all been in situations where someone wants you to GIVE OVER 100%.
How about ACHIEVING 101%?
What equals 100% in life?

Here's a little mathematical formula that might help answer these questions:



Is represented as:

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26.


H-A-R-D-W-O- R- K

8+1+18+4+23+ 15+18+11 = 98%


K-N-O-W-L-E- D-G-E

11+14+15+23+ 12+5+4+7+ 5 = 96%


A-T-T-I-T-U- D-E

1+20+20+9+20+ 21+4+5 = 100%

THEN, look how far the love of God will take you:


12+15+22+5+15+ 6+7+15+4 = 101%

Therefore, one can conclude with mathematical certainty that:

While Hard Work and Knowledge will get you close, and Attitude will get you there, It's the Love of God that will put you over the top!

Saturday, October 06, 2007

Free Internet Marketing Tips

Technorati Technorati Tags : , ,

Hello Readers,

I thought that you might be interested in a free report by Russell Brunson called the IM-Myth that you might be interested in perusing if you have a little bit of time on your hands...

It is a 44 page report that basically goes over something that I have known for a long time....Most of us have it all wrong when we are trying to promote products....One of the most underutilized methods for promoting online ventures is to use offline avenues.

Now, I wouldn't have said this a couple years back but think about many times have you been watching TV and seen a ".com" url in an ad and gone to check it out? Some of you will say you have done it a couple times...some of you will say that you never do it...but the point is that you can greatly increase your bankroll by using offline mediums to promote online products.

Anyway, the report is pretty decent.
You can download it here....

PS. When you go to the site and register, you will be taken to a one time offer. If you just want your free report, simply scroll down to the bottom and click on the "no thanks" text. You will be taken directly to the PDF report.

PPS.- If you noticed, this is a referral link. Russell is paying $1 for every person who gets this report. Once you sign up, you can promote this and become an affiliate.

Mosquito Control Technique

Technorati Technorati Tags :,

Got this from a friend. Not sure if it works but no harm trying :)

Mosquito control technique but instead of using Lemon Fresh Joy, i used Harimau Kuat Lemon flavoured dish wash liquid (yellow bottle and about RM2.80) and..... it actually works. Thanks to my niece. It's cheap and non poisonous like Ridsect of Fumakilla and the others.

Finally, found this simple home tip:-

You have a lot of mosquitoes in your bedroom? Try this.

Mosquito Treatment: So you don't like those pesky mosquitoes. Here's a tip that was given at a recent gardening forum. Put some water in a white dinner plate and add a couple drops of Lemon Fr R. Set the dish on your porch, patio, picnic table, park bench, or other outdoor area. Not sure what attracts them, the lemon smell, the white plate colour, or what.

BUT ... mosquitoes flock to it, and drop dead shortly after drinking the Lemon Fresh Joy/water mixture, and usually within about 10 feet of the plate.

TRY IT--- it works just superb! It may seem trivial, but it may also help to control mosquitoes around your home, (especially in areas where the West Nile virus is reaching epidemic proportions in mosquitoes, birds, and humans).

Pass this on to anyone who likes sitting out in the evening, or when they're having a cook out.

Signing off at 6.05 a.m.


Tuesday, October 02, 2007

Mortgage Hidden Cost

Technorati Technorati Tags : , , ,

Owning a property is a very painful process. One had to go through various location and a lot of other consideration (e.g. potential return) before choosing the much desired assets. Generally there are 2 types of buyers; the owner and the investors. Having said that, at the end of the day a property would become the largest single investment in our lives.

After selecting the location, we need to agree on the price. These days, it is a sellers market rather than the buyer's. Being a firm believer of love at first sight, I did not bargain much from the seller to ensure I get what I wish for. Generally a booking fee of 2% needs to be paid before signing the SPA (Sale & Purchase Agreement). The buyer has 14 days to settle the remaining 8% after signing the S&P. However, these conditions are always open to negotiation. Being an individual who is highly leveraged, I found it very troublesome to cone up with the 10% down payment. Luckily I managed to sweet-talked the seller to allow me to pay only 5% of the purchase price. So you thought that's the end of story? Not really...

Before committing to any S&P, it is advisable to get a pre-approved loans from the banks. One should know the maximum loan a bank can grant before signing the S&P. In this competitive market, banks will treat buyers as kings. You just need to make a few calls and the sales guys will be knocking on your doors for the relevant documentations. Most of the banks are offering a maximum margin of financing up to 90% of the purchase price, although some banks do offer 95% depending on location. Depending on the valuation, we can purposely hike up the price in the S&P (subject to seller's agreement) to get a higher margin of financing. For example a house costing 700k would received a maximum financing of 630k (90%) If you managed to agree with the seller on putting the selling price at 750k in the S&P, the loan amount can be increased to 675k. After taking into account the 70k paid (10% of 700k), the total amount paid to the seller is 675k+70k = 745k. Considering the actual price is 700k, you are now blessed with an additional 45k which can be utilized for further renovation or moving in costs. One word of caution - the lawyer must safeguard your interest by preparing the relevant undertaking letter to ensure the balances from the disbursement are paid to you.

There are a few hidden costs that we need to be aware of when purchasing any property. First of all there is a legal fee payable to the S&P lawyer. Nowadays, if a property is purchased directly from the developer, the S&P fee is normally waived. However for the secondary market the fees are set at 1% for the first 150k and 0.7% for the next 850k. For example if the house cost 750k the S&P fees would be a cool 1500 + 4200 = 5700. Try to negotiate with the S&P lawyer to get some discount on this. Although legally they are prohibited to give discount, they still do in this very competitive market. For my case I managed to get a 40% discount on the S&P fees. That's a saving of RM2500.

Apart from the S&P fees there is another humongous fee that we need to pay to our beloved government. This evil creature is called stamp duty on transfers. The current rate is 1% on the first 100k, 2% on the next 400k and 3% for the balances exceeding 500k. In my example the stamp duty on 750k price would be 1000+8000+7500 = RM16,500!
So the S&P + stamp duty alone would cost about RM20k. It took about a month for the stamp duty to be payable, so you can delay this payment for a max. of 1 month. Most of the lawyers will insist on upfront payment, but this is up to your negotiation skill to defer the payment if time value of money is your priority.

I'll write on the second part of the hidden cost later. That is the cost of legal agreement between you and the bank as well as the MRTA cost. Happy hunting guys.

Signing of at 11.50 p.m.