End of month- Perfect time for shopping

Some of you might think like “why I always don’t have enough money in my bank account?”. The answer is so simple. Because you don’t control your spending wisely. Remember that I have talked about how to spend your money wisely before? So, today I want to talk about why every end of month is the perfect time for shopping.

Why?

Simple. Because if you spend your money at the end of month, you may overspend and don’t have enough money for the rest of the month which is for about 2 or 3 days. Then, you will top up your money again using your salary, earnings from dividend or what so ever.

But, imagine if you spend your money at the beginning of the month, you will have to suffer for the rest of the month (maybe 2 or 3 weeks!). I’m talking about the big spending here; not the small one like buying bread or ice cream.

How?

You will have to distinguish between the needs and desired things. Basically, you have to fulfill your needs first. For example foods, school items etc. The desired things are like expensive clothing, new shoes etc. which you don’t really need them.

These desired things are the one that you only buy at the end of the month. And of course if you have some extra money!

Give it a try and see what will happen to your current account. I’m sure you will feel the difference after this!

Categories: Financial planning

Why high paying keyword is important

Today, I was stunned when I found out that I got a click for my Google AdSense; it’s worth of almost $2 a click! Maybe it is not a new thing to you but it is very rare for me to receive such a high paying keywords click. Then, I try to find out on how I can maintain this achievement.

High paying keywords

Basically, you can find those high paying keywords very easily nowadays. There are lots of sites that offer low prices for helping you to get these keywords. These are some of them:- - keywordsexplosion.com - wordtracker.com

But, just having the high paying keywords is not enough because you have to optimize your sites so that the accurate ads will appear.

Optimizing

Basically, start to write an article spontaneously. Only after you have finished writing, then you read back and try to slot in the high paying keywords that you get from keywords explosion or wordtracker. By doing this, you can avoid making the article to look like you just want to get the money from it. And the article’s content will look more related to one another.

Bring down the crowd

As I always said, visitor’s flow is really important. You can’t earn money from high paying keyword and great articles if there is no one who will click on the ads. So, here is the free search engine optimizer that can do that for you (click here - open in a new window). The link will bring you to my personal review about the search engine optimizer. I personally am using it until now. So, have a good look and don’t forget to give it a try.

Categories: Blogging

More details on savings account

Before, I was talked about the importance of savings account and personal financial budgeting. I also have mentioned that I will go for a vacation during this coming semester break. But, after I read the article again, I realized that I forgot one thing; to divide my savings. This is really important. So, today, I will share with you about this matter.

Why does it matter?

Imagine if I use all of my savings for my vacation and suddenly something bad happen to me. I have a friend who has his bag stolen while on a vacation. He lost quite large amount of money and the most important is, his passport. So, to avoid this thing, I have to put aside some amount of savings for emergency use.

What about if I suddenly fell sick during that time? This has to be considered too. So, here we go; some more money for medical emergency. Since I am not fully recovered from high fever, I think this money is really important. Moreover, I am a heavy smoker. So, I know the consequences of my ‘bad habit’.

How much money should I save?

This actually depends on you. If you have more problem than mine, than you should have more sections in your savings account. For example, savings for kids, family, home repayments, mortgage, debt consolidation etc. Since I am a student and does not have so many liabilities, my savings does not have to have so many sections.

So, the more liabilities you have, and the more plans you have for your future, the more sections of savings you need.

When should I do this?

As soon as possible. I assume that you don’t like to have no money when facing the unwanted occurrences, so that is why I recommend you to start dividing your savings as soon as possible.

P.S. Please tell you love one about this. Don’t let them facing emergency without enough money in their back. And this 5 star book might help you on how to do a better savings:The Insider's Guide to Saving Money

Categories: Financial planning

Increase page rank and visibility by using backlinks

How to increase your page rank by using backlinks? How to make your site more visible in search engines? Maybe you have seen lots of blogs that have long lists of links, but don’t receive a good page rank or rank high up in search engines. This is because they don’t study the right way to use backlinks. So today, I will share with you the right way to use backlinks to increase your page rank and make your blog ranked higher in search engines.

Try to get linked by these type of sites:-

1. Web site that has a high page rank. PR of 5 or 4 is a good enough for start

2. Older web site. Usually, they are more establish and thus, have a high page rank.

3. Web site that shows your link at the homepage. Main page usually has higher page rank than the page below it.

4. Web site that put your link high up on the page. This will make a search engine reads your link earlier and thus, more weight to the link.

5. Web site that features your link in their content. This will give you 2 benefits:- higher percentage of click-through and a good page rank as well as higher ranking in search engines.

6. Same as for optimizing keywords, if the link to your blog is stressed (bold, italic etc), it will give more weight to your site

7. Web site that is related to yours. For example, I will rather get a backlink from a PR 3 money and finance web site than get a backlink from a PR 7 adult website. I don’t want my blog to be penalized for that.

8. Last but not least, get a link from a government web site. That is the most powerful one that I ever know.

Try these by yourself and watch your blog grows. Good luck!

Lyme L.

Categories: , Search engine optimization

Google Sitemap: Make your site index faster in Google

Google Sitemap is not a new thing to a webmaster. It is a tool that helps you to tell Google every time you make some updates to your blog. I just used Google Sitemap a few weeks ago but today, I just realized the way to make Google index my blog faster. I just get a little frustrated because Google have to take about 4 or 5 days to crawl my blog. Then, with some effort, I looked around and read the help file from Google on how to make Google index my site faster.

Adding a Sitemap

The first step is adding a sitemap of your blog. This can be done in a few simple steps. Just follow this order:-

1. Go to this link https://www.google.com/webmasters/sitemaps/stats

2. In the box ‘add a site’, type in your blog’s URL. For example ‘http://i-want-to-be-a-millionaire.blogspot.com’. After that you should receive a conformation like this:- Your site has been added to your account. Verify your ownership to view detailed statistics and errors for it.

3. Click ‘Add a Sitemap’. Choose ‘Add General Web Sitemap' and check all the box. Fill in the sitemap URL with your atom.xml URL. Atom.xml is your blog’s URL followed by /atom.xml (for bloggers only. Others can try searching for Google sitemap generator by using the search box above). For example, ‘http://i-want-to-be-a-millionaire.blogspot.com/atom.xml’. Then, click ‘Add Web Sitemap’

4. Click ‘Verify’. Choose ‘Add a META tag’ under the ‘choose verification method’. Add the META tag generated according to the instruction given. Then, check the box ‘I’ve added the META tag ….’. Click Verify.

Ping Google sitemap

This step will help your site index faster in Google. It will notify Google any updates occurred in your blog. This is how you can do it:-

Type this in your browser navigation bar: www.google.com/webmasters/sitemaps/ping?sitemap=sitemap_url

For example: www.google.com/webmasters/sitemaps/ping? sitemap=http://i-want-to-be-a-millionaire.blogspot.com/atom.xml

Then, you will get a conformation like this:-

Sitemap Notification Received

Your Sitemap has been successfully added to our list of Sitemaps to crawl. If this is the first time you are notifying Google about this Sitemap, please add it via http://www.google.com/webmasters/sitemaps so you can track its status. Please note that we do not add all submitted URLs to our index, and we cannot make any predictions or guarantees about when or if they will appear.

P.S. Do ping Google Sitemap every time you make an update to your blog. And please tell your friends about this blog if you find the content useful. Thanks!

Categories: Blogging, Search engine optimization

Fixed deposit and savings account

I always ask myself, should I use fixed deposit or savings account? Like this month, I have about $2000 sitting in my savings account which gives 7.35% interest. If I put the money into a fixed deposit account for one full month, I can earn 7.4%. And I can earn 7.45% if I put the money for 3 months. So, finally I’ve decided to invest $1700 into the fixed deposit. These are some reasons of why I did this.

1. I don’t have any plan to spend that money in one month time. Since semester break is about a month ahead, I think it is better for me to earn money by doing nothing.

2. I don’t want to accidentally overspend my money since I need it for my semester break. I already have a plan for my break; a road trip across the North Island of New Zealand. So, it will prevent me from reaching my money before the time comes.

3. The interest rate is higher. That means more return to my investment. At the end of this month, I should get $10.48 of interest instead of $10.41 if I just save my money in the savings account. It is just a small difference, but for me every cents counts.

4. I’m not choosing 3-month fixed deposit as I don’t have enough back up money. It is important to have some back up money, just for the sake of emergency. Last year, I have experienced this. My grandmother suddenly fell sick and I have to go back to Malaysia as soon as possible. So, I have to buy the airplane ticket although it was the peak time for traveling.

I hope I can continue to save my money using the fixed deposit in the future. Maybe I will go for 3 months after this. For those of you who are planning to use fixed deposit, this are some tips for you:-

1. If you are planning to spend your money soon, don’t use fixed deposit. Savings account is better for you.

2. Make sure you have some money sitting in your saving account. Don’t put all your money into fixed deposit. It’s dangerous!

3. Choose the period that suits you. Don’t be fooled by high interest because higher interest usually applied to longer period of deposit.

4. Find a bank that offer the highest interest for fixed deposit (If possible). But, make sure that you know that bank’s background and history.

Good luck!

Categories: Financial, planning

AdBrite: Earn money from selling ad spaces

Recently, I was looking for more sources of revenue for this blog. Since this blog has evolved and receive lots of visitors from day to day (please refer to my current Alexa ranking), I think it is a good time to experiment with something new. Then, I looked back at my previous sources of money. Finally, I decided to give AdBrite another try.

What is AdBrite?

If you still remember, I wrote about AdBrite not long time ago. You can view it here. But, it was just a brief explanation of AdBrite. Basically, AdBrite is the place where you sell some ad spaces from your blog. Then, advertiser will decide whether they want to advertise in your blog or not. Everything is done for you. You just have to wait for the money to knock on your door if someone buy your ad space.

Before I use AdSense for this blog, I was monetizing this blog by AdBrite. This was because I cannot apply for AdSense at that time due to some restricted content. After I’ve made some changes, then finally I got AdSense and applied it to this blog.

How much money will I earn from AdBrite?

It depends on you and your blog. You are the one who put the price for every ad displayed at your blog. If you are not so sure about the price, just refer to other publishers’ price and make some changes to suit your blog ads.

If you have a large traffic, let say about 500 unique visitors per day, then you should have a better bargain. Like this blog, I only have like 40 unique visitors per day. So, I can’t expect to sell an ad space for $10 a day.

Does AdBrite for you?

If you want to earn more money in addition to AdSense, then this is the answer. Just set it to non-contextual, then you should be fine. If not, you may face a cancellation of AdSense account.

Just be patient because you cannot expect to have your ad space sold tomorrow, unless you have a really famous blog.

I will come up with some tips for AdBrite in the future. So, do come back for updates.

P.S. If you are interested to advertise your link at this blog, just click on this link or the link ‘Your Ad Here’ at the side bar. Hurry up while the price is still very cheap!

Categories: Blogging

New referral programs from Google

Early this month, Google has launched two new referral programs; Google Pack and Picasa. Now, you will have more sources of revenue in addition to AdSense, AdWords and Firefox referral programs. So, let’s take a closer look at Google Pack and Picasa; what are they all about.

Google Pack

Google Pack is a compilation of useful software for your computer. It consists of Google Earth, Google Desktop, Picasa, Google Toolbar for IE, Screensaver, Mozilla Firefox, Lavasoft Ad-Aware, Norton Antivirus 2005 SE, Adobe Reader 7, Google Talk, Google Video Player, RealPlayer, and Gallery Player HD Images.

Now you should see why it is called Google Pack; it has so much free software that takes about a paragraph to write! So, what you will get if you refer a person to download this pack? You will get up to $2. Not so much money but it still money, right?

You might ask, ‘What about if my referrals already have some of the software?’ Don’t worry because they can customize which software they are going to download.

Picasa

Picasa is an easy-to-use picture software that enables you to locate, organize, touch-up, share and make a visual album in just a few simple steps. Honestly, it is not a powerful graphic editor compares to Adobe Photoshop, but if you want something easy to use to edit your picture, this software is the answer.

If you have a picture blog, this software might be useful for you as you can upload photos straight from Picasa to your photo blog. And after you have tried Picasa, promote the software to your visitors. Remember, it is wise to try first before you promoting a thing. This enables you to write an honest review about it.

With every Picasa installed from your referral link, you will get up to $1.

Promote!

I’m not promoting these programs as I haven’t tried them personally. So, I don’t feel good about promoting them. But if you have tried them, what are you waiting for? Promote them and start earning cash!

P.S. You need a Google AdSense account to refer those programs to your friends. If you still don’t have a Google AdSense account, you can sign up by using my referral button at the side bar

Categories: affiliates

Interest rate and spending

High interest rates; what’s that means to you? Usually high interest rates means that government is trying to cut off people’s spending and reduce inflation. But, in the real world, is this really happening?

For example, New Zealand government is fighting on inflation and hence, increases the interest rates. But, from my observation, people still throw their money around without any worries of increase in price.

So, what should we do in this situation? Basically, start saving your money. As the interest rate is high, you can get higher return. Today, the highest interest rate for saving account in New Zealand is 7.40% which is reasonably high. Imagine if you save $10000 for one whole year. You will get $740 without having to do anything! Besides, you can prevent your money from leak out for unwanted things.

And by saving your money, you will help the country to reduce the inflation rate. This will bring the price down. And when the time comes, use some of your savings and bang on! Buy things that you always wanted at a lower price as the inflation rates has gone down. Moreover, when the inflation rate is under control, usually interest rate will also go down slightly. So, it is not so profitable to save so much money.

So, take your action now. If there is any sign of increase in interest rate, save your money as much as you can. Then, when the price starts to reduce, spend your money wisely. Don’t overspend as it will quickly bring the price up again.

Categories: Financial, planning

Increase visitors by changing template?

As you can see, I have done some minor changes to the template. Now, the main page will display 3 recent posts. But, it will show only the summary for each post. Before, the main page only has one full post. After making some analysis, I found that there are more cons than benefit of displaying only one post here. So, today, I will share my analysis with you.

Pros

1. I can put AdSense between contents- This will give better click through rate. Some people said I still do it if I put more than 1 post at the main page but I just couldn’t find the way to do that.

2. AdSense ads show more focused ads- Since the content is about only one topic, so the ads will be more relevant.

3. Forcing readers to click on previous post- Since visitors cannot read previous posts from the main page, they have to click on the link to the previous post at the side bar. So, they will spend more time here.

Cons

1. New visitor will never come back if- If the post of that day happens to be not so good, I will chase away new visitors. Remember, visitors want good content.

2. AdSense ads lag- I think most of you noticed this; there will be some time lagging for the ads to show the relevant ads. And advertisements that are not relevant will surely not receive any/small percentage of clicks

3. Visitors won’t have a clearer picture about the blog- They will not know what this blog all about clearly. If you look at the main page now, I think it gives more information of what this blog all about.

4. No description for recent posts- Description is important as it explains to the visitor about the particular post. Now, visitors can choose which post they want to read by just reading the summary for each post.

Therefore, I would love to hear your say about these recent changes. Any comments will be highly appreciated. Personally, I think the new template gives more benefits to my visitors. So, please comment on these changes. Cheers!

Categories: Blogging

Personal financial budgeting

How to budget your money effectively? It is very important to do budgeting especially for personal budgeting. This will give you more control over your cash. Actually, it is not so hard to do a budget planning. So, today I will explain on how to budget your cash in a few simple and understandable steps.

What you need:

A pen
A piece of paper
A calculator
Knowledge of your income and expense

Budgeting process

1. List all your income- This may come from different source like salary, interest, etc.

2. List your fixed expense- For example rent, car loan, internet bill, electricity and water, income tax, etc.

3. List all variable expenses- The main expense comes first. Don’t know your main expenses? This article will explain further.

4. Include your savings- Saving money is really important for the future. So, do list this too. I would recommend you to save about 10 to 15 percent of your income.

5. Some money for emergency expense- This will include unplanned shopping, medical expenses, etc.

6. Minus your expense from income- Make sure the value is positive or at least 0. If the value is negative, tweak your expenses.

7. Put your financial budgeting plan at the place where you can see it easily.

8. Make sure you stick with the budget. Don’t over expense!

The whole process will only take about 5 to 10 minutes. Therefore, I hope you can utilize this simple ‘budget planning’ to help you to have a total control over your cash. Good luck!

Categories: Financial, planning

Different ways to increase website popularity

Sorry for the long absence from posting on this blog. Actually, I’ve been so busy working on my construction project. I have to make 10 technical drawings and a model for that. So, I’m really sorry for not able to post here and reply to some email. I will do that after this.

Anyway, today I want to talk about how to make people love your website and consequently increase the incoming traffic. There are many ways to do this and I’m sure that you have heard about them before. But, in this post, I will tell you a secret that people always forget when trying to increase their website popularity.

Alexa traffic ranking

Most people like to use visitor counter to show how many people have viewed their website. This is good but do you know that some visitor counter allows you to set the starting number for the counter? And if the counter is set to count the pageload activities, the number will grow up really fast. For this blog, my counter (on the side bar) is set to count the unique visitors only. So, it will give more accurate view on how popular this blog is.

So, the point is, if you can show your alexa ranking, it will give more accurate view on how popular your website among other websites on the internet. For this blog, you can see it under my statcounter. It tells you where this blog sits among other websites. If you can score below 1,000,000, that should be good enough.

Now, why I’m telling you this? People will put more trust on a website that highly referred by others. By having a high rank in alexa, your visitor will know that your website has been read by many people and thus, will give them a good impression on how good your contents are. So, they might probably come again to refer to your website. And if you are lucky, they might tell their friends and this will bring more traffic to your website!

Page Rank

Higher page rank means higher position in search engines. I assume that most of you know this. And I might give you some tips on how to obtain higher page rank in the future. But for now, let’s see how important the page rank in the different point of view; webmasters.

Website which has a high page rank will interest many webmasters. Why? This is because, if they can successfully have a link swap with that website, their website will receive higher page rank. So, if you want to have a link trade, try to find one from a high ranked website.

What will you get from this? First, you will receive higher page rank which means higher ranking in search engines. Second, you will get more traffic from that particular website that you are linking with. Usually, a high ranked website has high density of traffic, so expect more visitors on your website.

How to check page rank and alexa ranking easily?

For alexa ranking, it might be easier if the site has a counter like what I have for this blog. But, if they do not, you might have trouble to find them. So, here is the add-on that you can use to detect the alexa ranking and page rank at the same time: https://addons.mozilla.org/firefox/321/. Don’t worry because it is free. This extension will only work with Firefox browser. If you are not using one, you can download it for free by using the link on the side bar (find the button ‘Get Firefox with Google toolbar’).

Apply this to your website and watch your visitor number grows. Remember, higher traffic means more money!

Categories: Blogging

Make extra money from passive blogs

It’s been a long time since I wrote an article about blogging. For your information, I already have four blogs which are http://i-want-to-be-a-millionaire.blogspot.com, http://adsense-help.blogspot.com, http://blogfix.blogspot.com and http://blogmoney.blogsome.com. Actually, not all of them are functioning as a blog, because for adsense help and blogmoney, they are more to ‘one off’ projects or passive blogs. It means I write the content once and then, just leave them. But, from time to time, I will add new content into them. So, for today, I will explain about these two blogs in detail. The questions like what, why and how will be answered in this post.

What is a ‘one off’ blog?

Actually, it is not the common name that people usually use for this kind of blog. I just give them a name myself. ‘One off’ blog is a blog that you write once in bulk, and then post all the contents at the same time. For my ‘one off’ projects, they are more like a web site than a blog.

Why I build them?

Honestly, the purposes of those blogs are just to add more revenue channel for my AdSense account. It is a common sense, right? More page impression means more click. At least, that is what I believe.

Another usage of these blogs is to bring more traffic to my main blog (http://i-want-to-be-a-millionaire.blogspot.com). Since different people will have different interest, so I cannot expect people to go straight here. Therefore, I put a link to this blog from my other blogs.

How to establish a passive blog?

Just follow this FREE turorial about how to make a blog that generates money by clicking here.

The difference is just the content. Your content must be about something that is relevant for a long period of time. So, you do not have to do updates regularly; maybe just once in 3 months time.

Don’t forget to place links to your main blog to grab more traffic. (Tip:- Place the link in the content to get higher click-through rate). If you can, try to avoid placing links to ‘outsiders’. This will prevent you from losing clicks on AdSense.

I think that should be enough for today. Remember to try this trick because it really works for me; some extra money for just a-day job! And if you have any suggestions or ideas, please leave them in the comments area.

Categories: Adsense, Blogging

Banking with National Bank? Read this

Today, I want to share with you about my terrible experience with my bank. Actually, I have mentioned the bank before quite a few times. The bank is National Bank. I have used this bank since last year and from that moment; I have faced lots of difficulties. I know that some of you do not ever hear about this bank. The National Bank is one of the banks that operate in New Zealand. It is one the main bank along the BNZ, ANZ, Westpac, and some other banks that I forget their name.

This evening, I went to a National Bank branch because I still haven’t received my bank statements for this month. Actually, I haven’t received it for 2 months and I have made a complain about it last month. They said that they have sent the statement to my old address although I have changed it before. I argued for that as I have changed my address 2 weeks before. “I’m sorry sir but different branch have different database,” that was what he saying to me. Wtf! Its not make sense as they should share the same database.

Anyway, when I asked about the statement today, again, they said that they have sent it. Since I don’t want to wait for too long, I asked the bank to print out a copy for me. Guess what? They charged me for that! It costs $4 for a single statement that I should receive for free.

At that moment, I know that I cannot put my trust on this bank anymore. So, at the same time, I asked them to close my saving account. I want to save my money somewhere else. I want a bank that I can put my trust on and I know that National Bank does not have that.

Actually, there are many other things that I’m not really satisfied with National Bank. One of that is, they charged me for online banking although they said that they will not do so as I am banking under a tertiary account. I’m really pissed off now. S#@t!

Therefore, I hope that you can learn from my mistakes. Search for the best bank which can give you the best customer service as I’m sure that you do not want to walk on my path. As for me, I have to retain my current account with the National Bank for some reasons. I don’t like to have any future business with National Bank but I have to. For your info, I am a sponsored student and my sponsor will deposit the money into my National Bank account every 3 months. If I want to change my current account, I have to deal with so many procedures and I don’t want to waste my time on that. So, what I can do is transferring my money into another bank when I receive my scholarship.

Please share with me if you have a better idea than this. Or if you want to share your difficulties with other banks, feel free to leave your comments here. Thanks.

Categories: Financial, planning

Should I use online banking?

Before, if you still remember, I have talked about online saving account. Today, I will discuss about a quite similar thing which is online banking. Actually, it is quite a common trend nowadays to do banking activities online but for some countries like Malaysia (my home country), online banking is not been used widely. Maybe, the banking system there is not strongly developed yet. But, I expect online banking to be widely used in Malaysia in maybe 5 years time.

Okay, enough with some background of online banking in Malaysia. Let us talk about why we should or should not use online banking.

Advantages

From online banking, almost every transaction can be done from home. This is good as it saves a lot of our time. Now, we do not have to go down to a bank to do a transaction like transferring money from current to saving account. Before, this transaction only can be done at the bank since ATM machine cannot handle this.

By having online banking, we can monitor our account balance easily. This gives us more control over our budgeting plan (see this post about controlling main expenses). For example, I can now how many should I spend for the rest of the month by looking at the online statement. So, I don’t have to wait for monthly bank statement which sometimes will not be posted at all (I am currently using National Bank as my primary bank and have not received my bank statements for the last 2 months).

Disadvantages

Some banks charge online banking under service charge. For my National Bank online banking, they charge me about $1.00 a month although they said that I will not be charged as I am an international student (Damn! I hate National Bank).

And the biggest issue about online banking is security of your account. Since you are doing your transactions online, you information may be traced by other unwanted people. And by using your information like your online banking username and password, your money can be transferred away from your account in just a few seconds!

So, what am I trying to say here?

Basically, online banking is really useful in many ways but at the same time, the risk is sometimes quite high. So, do some research about your bank. You must know the level of security they offer for online banking. Ask your friends about their experience with the particular bank. And consider looking for other’s review online. For the New Zealand online banking system, I would say that Raboplus (operates under the Rabobank) and ASB are still the best. So, after all, the choice is yours. Make it wisely.

P.S. If you would like to share your experience about online banking, please leave it in the comments area. Cheers

Categories: Financial, planning

Know your main expenses

There are many people out there still not aware of the importance of knowing where their money flows out. Then, at the end, they will suffer as not having enough money even for food. Actually, it is not that hard to study our expenses. All we have to have is our bank statement, a calculator, a pen and a piece of paper. Then, let’s begin our mission for today- controlling the money outflow.

First, have a bank statement in front of you. This can be a hard copy or just an online bank statement. Look for the highest amount of outflow. Then, look at the item that you purchase with that amount of money. Let me give you an example. For me, my highest expenses are for cigarettes and foods. So, I will write cigarettes and foods with the amount of money I have spent on the paper.

Then, sum up the total money that you spent for that particular of things. This should be in a month period of time. Let say, I have spent $80.00 for cigarettes and $150.00 for the foods.

After that, look between these items that you can cut off the spending from them. For me, those 2 things are really essential for my life. But remember, our goal here is saving some of our money from over-expense on the main source of money outflow. So, I have to find solutions to this problem.

What I can do are reducing smoking activities per day and reducing buying junk foods. Before, I use to smoke whenever I want (minimum of 20 cigarettes a day). Now, I have to reduce it to 10 to 20 per day. That is a lot, but if I think again, I can save more money from it. Moreover, it is good for my health. For the junk food, I can substitute it with bread or other foods that can full my stomach. And as you know, bread is cheaper than junk food.

So, take your action now before it is too late. Know your main source of money outflow and construct strategies to overcome it. You should see the difference from your account balance next month if you try this.

Good luck!

Categories: Financial, planning

Don’t pay more than you have to

Yesterday, on the way back from buying some groceries, I saw this advertisement on a van which said ‘don’t pay more than you have to’. At first glance, it was just as same as other advertisement, but when I think of it again, it gives a very deep meaning to me. So, I think it is good to share my thought here with you guys.

Price and quantity

This is the first things that came to my mind. Usually, if we pay less, we will get fewer goods. But, in this case, I think it means than you pay less than you normally have to. If so, then that is good. But, then I thought about seasonal sale than often occur in Wellington. When it comes to summer or winter sale, the price will drop drastically. That is why I always save my shopping time for this occasion. I can save tremendous amount of money that I can use it to buy other things. Then, what about the quality of the goods?

Price and quality

This is another important thing to look at. Since we buy cheap goods, sometimes they are not reliable. Take an example from my friend’s experience on buying a pair of cheap shoes. He bought these shoes during the last summer from a second-hand shop. Because they were so cheap, he bought them although it was obvious that one of the shoes seemed to be a fake one. Then, after wore the shoes for about 3 months, he suddenly realized that he cannot walk when the road is wet as one of the shoes is leaking.

Price, quality and quantity; what should we do?

Actually, all of the 3 things play very important roles in shaping our shopping style. But, to perfectly achieve all of them is quite impossible. So, what we can do?

First, the most important aspect is quality. Quality goods usually last longer, so you can use it over and over again. For example, I still have and wear my pair of shoes that I bought 4 years ago and I wear them everyday. But, if you are the type of people who like to buy new clothes every 2 or 3 days, this I not really important to you as you may interested more in price.

The next thing is price, which is closely related to our money flow. For me, I prefer to look around for the cheapest and high quality good than just buy it straight away. And we are lucky because we can access almost everything through the internet. So, besides saving our money, we also save lots of our precious time.

Quantity comes last as it is not quite important to have so many things in a house. Personally, I think it is a burden to have so many things in my home as I have to do maintenance regularly for each and every thing that I have. The easiest example is to have too many shirts. We will not wear 3 or 4 shirts at once, so there is a possibility of not wearing some of them. Then, we ended up with buying the clothes without using them at all.

So, make your decision wisely as every step we take will determine our future to become the next millionaire.

Categories: Financial, planning

1 million free traffic

Recently, I was looking for the way to increase the traffic to my blog. After a few hours of search, finally I came across this great site which offers a FREE e-book about how to get 1,000,000 free traffic! Because there are so many sites and e-book that give these things, I thought why just don’t give it a try? Then I just drop my email to read the e-book.

1 million visitors on your web site without paying a dime in advertising!

I found that this simple e-book really helpful. It thought me on the things that I do not know before. The e-book does not just talk about the same things that we hear or listen everyday, but it is more than that. That is because it offers 1 million visitors to your web site. And the best thing is, you do not have to pay anything in advertising which sometimes really burden you.

Reliable author

Stephan Ducharme is a young Canadian guy who just became a Millionaire on the Internet … in weeks! He spent more than 10 years and paid over $187,000 of his own money researching everything there is to know about the internet and on making money. He bottled some of his discoveries into an e-book and within weeks, ten's of thousands of visitor's a day was flooding to his web site. He went from 100 hits a day up to 1 million visitors in less than a few weeks. Without paying a dime in advertisement! And this just paid him over 1 MILLION DOLLARS! He says anyone can do it with what you are about to learn.

What should you do?

Since I cannot disclose much info about the e-book, I reckon it is better for you to just check it out. You have nothing to lose as it is a FREE e-book. So, what are you waiting for? See for yourself by clicking here: http://freeadguru.com/

For other webmasters

All you will have to do is give away the free e-book to your web site visitors as a gift from you and let Stephan do the rest. You will earn some cash for giving a free gift. Isn’t that great? Just click here to begin earning money by the end of the week: http://freeadguru.com/

Categories: Blogging, Affiliates

Site not found in search engine

First, I want to apologize for raising quite a heavy topic on my last post. I know that not everyone knows and aware on how to do a FOREX trading. And it is quite hard to find a people who can give some comments on that post. Anyway, if you want to share something about FOREX trading, please leave your comments here.

The post before it; about oxado.com was a hot one which received 8 comments until this post is written (You can read the post by clicking this link). I think maybe it is because the topic can be reached by anyone on the net. I hope you guys will keep supporting my blog. After all, thank you so much and I hope that I can continuously serve you with useful info that you need.

Anyway, for this post, I will discuss about the relationship between a site and search engines. This topic has been raised recently in the Google Help Group, so I think this post may be quite useful to them and others. The problem is, ‘why my site cannot be found in search engine, even when I typed a certain keywords relating to my site?” You can find the answer here.

Why search engine?

Most of the searches done on the net are done from a search engine. That is why they are called ‘search engines’. For the time being, Google holds the biggest percentage of usage among the other search engine, followed by Yahoo, and then MSN. So, if you can placed your site at the top of these search engines for the right keywords, you will likely receive quite a big number of traffic to your site.

How to do that?

There are many important factors that will lead to your high ranking placement in search engines. And you have to know that different search engine requires different criteria. For example, Google gives priority to a site that has a higher page rank to be placed first. In addition, the ranking procedure will change in time, so we have to catch up with the updates regularly. But first, let me tell you the first step to promote your site in the search engines’ world.

Submitting your url

This is the first and most crucial step as many people always forget to do this. As a result, they will wonder why their site is not in the search listing. So, where to submit your url? Some people said, it is sufficient to just submit the url to the top 5 search engines (Google, Yahoo, MSN etc.) but, in my own opinion, submit your site to as many search engine as possible. Why? Because these small search engine often focusing on some specific visitors. This means, that visitor will use their search engine to do searches on a specific topics; i.e. business and economy.

How to find search engines?

You can do this in the easy way or the hard way. Let me tell you the hard way first. Fisrt, open the Google search engine. Then type ‘submit a site’ or ‘search engine’. This will give you thousands or even millions of results. Then, open each links and begin your submission process. This may take some of your valuable time but, it is free. As almost all of us like free stuff, so go for it.

Okay, then let me explain to you the easier way to do this. Find a url submitter. You can find lots of them out there but sadly, you have to pay for it (most of them). So, what about if I tell you that I have found one FREE url submitter that has many other useful features. Are you interested to give it a shot? It is a-must-have program for a webmaster and the name is Web CEO. This may sound familiar to you if you follow this blog from the beginning since I have posted my review on it before. You can read the review here.

To be honest, I have seen the effects from this program after I used it for a couple of weeks. Now, if you can see my Alexa ranking (at the sidebar), it shows that this site is at the 588,433 place from millions of sites on the web. And as for the Google page rank, this site receives 3 out of 10. All of this happens after I used the Web CEO for just 2 weeks and my site only 1-month old! Isn’t that amazing?

What should you do?

If you ask me this question, I would say go for Web CEO. It is free, easy to use and the most important is, it saves your precious time. So, grab your free copy today or go to this page to read my review on it.

If you have tried Web CEO before or have some other suggestions, feel free to drop your comments here. Cheers.

Categories: Blogging, Search, engine, optimization

Currency and exchange rates problems

Recently, New Zealand Dollar value has dropped in the currency market. The drop is quite big and I, as a New Zealand resident, really feel the effects of this situation. If your country’s currency exchange rate has also dropped, you should read this post.

How does it affect me?

Well, changes in exchange rates usually will affects big player in the economy like government, firms etc. But, a small resident like me also can feel the heat. This is because, as the currency goes down, imported goods’ and services’ price will go up. So, I have to postpone my plan to buy a Jack Purcell shoes for now as the price has gone up (which I quite regret as I do not purchase it earlier).

I also have to cancel my vacation plan to go to Australia. This is because Australian Dollar is still strong and I have to pay more to get 1 Aussie Dollar. This evening, a friend of mine has done a currency exchange for Aussie Dollar. Guess what? He only get about AUD260 for NZD300. That is huge! Before, we can get like AUD280 or AUD290 for the same NZ Dollar amount.

Who are the people behind these things?

Personally, I would say the sellers are the people who put the high prices. But, they are not the people who we should blame. This is because they just want to secure their place in the market as the cost of production goes up. So, any price changes in the cost will be passed to the consumers which are all of us. (I learned this from my economic lecturer)

What we should do?

All I can say is just try to save money as much as you can. This is because, you will find that you are in great loss if you spend your money now. Try to find high interest saving account. The one that I recommend you is online saving account which I have discussed before.

And remember, do not go on vacation to other countries that are not in low exchange rates (for Kiwis, Aussie is the closest example). Try to find somewhere else like Malaysia. I am not trying to promote Malaysia, but that is the fact. You can have more purchasing power if you go to the lower currency country. If you are from US, you can get about RM3.60 (RM is Ringgit Malaysia) which you can buy a complete set of lunch.

What am I looking for?

After doing some analysis on the exchange rates and reading some articles on the net, I found that FOREX trading is a good way to manipulate this situation. FOREX trading stands for foreign exchange trading. But, the problem is, it is hard to find a free courses on how to do FOREX trading. So, I still work hard to find one. I really want to learn on how to do this as I heard that we can make quite a big amount of money if we get the things right.

Any suggestions, ideas or comments from people out there on FOREX trading?

Oxado: An alternative to AdSense

Have you heard about oxado.com before? I just found it a few days ago. This maybe a good news for those people who are not qualified for AdSense as it is another contextual ads provider that was established last year (2005). So, what is so great about it compare to AdSense?

From my observation and readings, I found something interesting about oxado. There are some people who claimed that they received 3 times higher CPC than AdSense! You might not believe it because I was not too at the first place. But, after I browse through many forums in the net, majority of people who have tried this program said so. They even said that displayed ads will rotate live in front of your eyes! Surely will catch more attention and give higher CTR.

Then, automatically I was sold to it and go to oxado.com to take a closer look at what they offer. At the main page, I saw some other facts that really interesting. Oxado claim that they offer better click through rate and the best payout in the industry! But I was not really convinced yet. So, I looked for more information. And guess what I found? They have more than 2 millions ads and the number is still growing. Oxado even partnered with some of the biggest players in the contextual industry; Overture, Espotting, Findwhat, Mirago, etc.

After seeing those great features, now I am really into oxado. Immediately I signed up for the service and after a while, I received an email to conform my application, just like what AdSense do. Then I clicked on the link to conform it. After a while, I received another email from oxado. I thought that my application was rejected and felt really sad. But, the email really shocked me. My application has been accepted! That was not even an hour!

So, I am planning to put oxado ads on my site. Just to compare the performance with AdSense. But, it may not going to happen neither in this is nor my AdSense Help site because AdSense ads is already doing well here. So, my plan is to create another site and run oxado in it. Maybe it will happen after I satisfied with the content of my AdSense Help site.

So, if you want to give oxado a try or want to have a look at the site, click on this link: www.oxado.com

I will update this post later as soon as I get new info about oxado. And for those who have tested oxado before, what do you think of it?

Updates: In response to the comments from Stu, I have contacted some people that I can trust. Stu said that he has tried putting some keywords (Kidney failure, dialysis, kidney transplant) into the oxado keywords tool but the tool shows there is no ads related to the keywords. Mr Ad Venture has responded to this saying that the tool is not fully fuctional. Maybe it is true. But when I asked directly to oxado, they said that they do not have ads from some countries like New Zealand. So, there will be none or maybe only some ads displayed for that particular country visitor. You can check the full listing at the oxado faqs. Maybe MrAdventure still does not aware of this. So, I hope he will read this updates.

Categories: Adsense

Online saving accounts

In the past few years, there has been a slight increase in the use of online saving accounts. Sadly, not many people still realize the benefit of this service. People like to think that online transaction is still not safe and thus, leaving online saving accounts behind. Therefore, should we use online saving accounts? This article will answer this question.

What is online saving accounts?

Actually, this service is just the same as other saving accounts but, all of the transactions are to be made online. That means you can still keep your day-to-day bank accounts and use online saving accounts as a place to save some portion of your earnings. Online saving accounts has many advantages compare to the ordinary saving accounts. This will be discussed in detail below.

Online saving accounts’ advantages

Usually, online saving accounts offers higher interest rates as they can operate in more cost-efficient manner. This is because they do not have to have large number of man power to run the service. They can also save the cost of establishing lots of branches as all of the process can be done at one branch. Therefore, they experience low level of handling and operating cost. Then, public will be the one who enjoy the benefit as we can get higher return of investment from higher interest rates.

And as all the transactions done online, we do not have to go the bank branch to do the money transfer to our saving accounts. I do realize that nowadays, many bank offer automatic fund transfer in which money will be transferred automatically from current accounts to saving accounts. But, this option usually will be charged as a service charge. As far as I know, there are many online saving accounts that do not charge any service fee for this service.

Usually, online saving accounts allows you to withdraw your money anytime you want. And some of them even calculate the interest in daily basis. That means you will earn higher than if you save your money in the saving accounts that count your interest in the monthly basis.

Is there any disadvantages?

Of course. There is nothing in the world that is so perfect. Online saving accounts also has some disadvantages. One of them is as all of the transactions are done online; security is the main issue that holds people from opening this accounts. They said that there is a potential of losing some money if they using this service. But, recently, many of the online saving accounts providers have upgraded their system so people will feel safer when investing with them. For example, Raboplus, the online saving accounts that I use, has high level of online banking security. The main bank, Rabobank, has been voted as the world’s safest private bank in 2005 by Global Finance magazine; the world’s leading finance magazine.

What should you do?

If you convince that online saving accounts is the best choice for you, find one and start saving today. If you want to enjoy the higher interest from your hard-earned money, go fro online saving accounts. You can find online saving accounts quite easily. Just search for this service using major search engine like Google, Yahoo or MSN and compare the features before you start your online saving accounts. Remember; think first before you make any choices.

Cheers

one more step to become the next millionaire

Categories: Financial, planning

Wider your income source

Remember that I said before about getting income from various source? I have posted it here. Click on that link if you would like to see it. Anyway, that is not so important. What am I trying to share today is about my new blog, http://adsense-help.blogspot.com. This is my new source of earnings.

As you can see from my blogs, I am an infopreneur. Ok, I heard someone asking 'What is infopreneur?'. It is just a word for people who give information to other people. If you look at my blogs, I like to share lots of info and ideas about lots of things. And of course, I do that for free. This is because for me, knowledge should be shared together as we are not the one who have the rights on it. Knowledge is God's property.

Anyway, back to our topic. We should feel very lucky as AdSense is here. Why? If not, infopreneur like me will have trouble in monetizing our sites. So, I can stick with my belief and at the same time, get some money from my writings.

So, for bloggers out there who still wonder on how to rip more money from AdSense, try to write a few more blogs and monetize them with AdSense. With this, you can avoid losing your income if one of your blog does not attract any visitors. Imagine if you have only one blog. You are finished!

Cheers

one more step to become the next millionaire

P.S. Check out my new blog, http://adsense-help.blogspot.com if you are planning to use AdSense to monetize your site. It has lots of tips for AdSense users.

Categories: Blogging

9 reasons why you should use public transports (Part 2)

This post is the second part of 9 reasons why you should use public transports. You can view the part 1 here.

5. Is your car stolen? – One day, you drive your car to a mall. And when you are about to leave the mall, suddenly your find that your car has been stolen. Really sad, aye? But what about if you take a public transport at the first place, will you face the same situation? The answer is absolutely not. Think about how much money you will lose from that. Worse, if that car is still under loan repayments, you will end up paying your debt for nothing!

6. License renewal issue- How often do you have to renew your license? In Malaysia, I have to do it every year and it really cost me some valuable money. Government just rips off my money from me! Then I was thinking on how to get rid of this problem. The solution is not to have drivers license! Just fetch a bus everyday to work. Problem solved.

7. Thinking of selling your car in the next 2 or 3 years? – Some people like to plan to sell their car after they have used it for couples of year. I have a friend who actually did that. When he bought his car a year ago, he was planning to sell it after 3 years time. He urges me to do the same thing. Guess what I said to him? Hell no! Car value will depreciate fast and by the time you want to trade in your car, you will lose like half of its value. So, just use public transport to save your money.

8. Car insurance- Are you trying to prevent your car from the problem stated above? (No. 5) So you need car insurance, don’t you? Then, you have to pay for it. Unless you can get hold of cheap and reliable insurance policy, you will have to pay really huge amount of money to insure your car. Maybe you can try to look around the internet to find one, but it is really hard to find one that meets those 2 criteria mentioned before. So, do you have another alternative? Yes! Do not buy a car. Just use public transport.

9. Problem to park your car? – In Wellington, we have to pay to park the car at almost everywhere. It is really a burden that if a person has a car, he might not take it to the city because of this problem. So, he ends up with paying those payments (road tax, license renewal fee, insurance etc) without really utilize his car. That is just the same as not having a car and just using public transport.

Therefore, I think these 9 points here have made you think before you are planning to buy a new car. Think of the environment if there is too many vehicles around, and the most important thing is, think of your money that you have to waste. Remember, we are here to be a millionaire. We are not learning to waste our money around when we can avoid it. So, use public transport as often as you can. Think wise, dude.

Cheers.

one more step to become the next millionaire

Categories: Financial, planning

9 reasons why you should use public transports (Part 1)

How do you get to work everyday? Do you own and drive your car everyday? How much does it cost to have a car?

These questions are really important as they affect your financial stability in the short and long term. Did you realize on how much you can save if you use public transport as your main source of transportation everyday? Public transport here means buses, trains, trams, monorails etc.

Here, I will discuss on how you can cut your everyday expenses by just using public transport. You can save a lot of your money everyday for just using public transport; in the long run, of course. Do not tell me that you already forget our dream which is to become a millionaire. Therefore, we should forego our expenses as much as we can.

These are 9 strong reasons on why you should utilize public transports as the everyday transportation:-

1. You don’t have to pay for the gas- In recent years, oil price continue to boom. Why? Because oil is a scarce resource and everybody demands for it. Imagine what happen if this demand continues to rises over the years without other substitute being found? Maybe one day you will find that oil price is just as high as the price of gold! No wonder some oil supplier countries are so rich. If you ride a bus, you don’t even have to pay for the gas. And you pay the same fare even if you stuck in the middle of a traffic jam. If you drove your car in that situation, surely you will have to pay more for the gas. So, how much can you save from this?

2. Toll? Not anymore- I am pretty sure that almost all of the countries in the world have the toll system. Back in Malaysia, we have to pay tolls to use highways. It is true that we can use other alternative roads to avoid them but, the cost is we have to face the traffic jams and the problem discussed above will rise. So, we end up with paying high toll fees every single day. If we use public transport like monorail or LRT, not only we can avoid tolls, we also do not have to face traffic jams. At this stage, we save some more money.

3. Car loan make your world goes around? - Majority of people faces a lot of debt and they spend heaps of time looking around on how to consolidate debts. One of the sources of debts is car loans. So, how can you consolidate your debt efficiently? Finish up the payment as soon as possible? Then you will end up paying more every month. The answer is: - use public transport. Why? Simple. You do not even have to take any loan to ride a bus, right?

4. Spending too much on your car maintenance? - How much does it cost you every time you pay a visit to a workshop? What can you get if you use that money to buy something else? $300? $1000? And you will pay more if you have more that one car. Think again. How often do you have to drop by a workshop in a year? If you utilize public transports, these problems will not be a burden for you anymore because if a bus needs some repairs, you do not have to pay for them, right? Only pay the fare and you can go anywhere you like without having to think of maintenance problem.

This topic will be continued in the next post titled 9 reasons why you should use public transports (Part 2).

Cheers.

one more step to become the next millionaire

Categories: Financial, planning

Are you looking for the best affiliate programs that can make you money?

If you are looking for the best affiliates to associate with, then you can stop looking around. Why? Because I have the answer for you; right here in this post. As I promised before, now I will present to you the best affiliate program that I can find on the net for the time being. It is clickcash.

Ok now, why do you have to sign up as an affiliate and promote clickcash? There are many reasons for that:-

1. You get as much as $50 for just signing up as an affiliate with clickcash. You cannot find any other affiliate programs that give you free money for nothing. I have looked around for this but I cannot found one (correct me if I am wrong)

2. You will get 10% when you referring new affiliates to this affiliate program. That’s not all. You will get 10% more when your referral refers clickcash to others and so on until infinity. So, how much is that? Do the math, bro!

3. You can easily get new referrals for this affiliate program as they offer the welcome bonus (that $50). This is because most of us like a free things and for this case, we get some free money. Who will reject that?

4. They will pay you every week by check. Do you believe that? That means you will get a steady weekly income for life! But, it will only happen as long as new affiliate sign up for this affiliate program from your referring link.

5. Clickcash has been in the industry since 1996 and they still paying. They even have a good customer service which respond quite fast. I have sent an email regarding the highest affiliate earnings till this day and I got my reply within just 2 days! Amazing isn’t it?

Actually, there are more benefits of being affiliate with clickcash. You can find these in their webpage (www.clickcash.com). Look under the heading ‘why clickcash’. For this post, I’m just writing the main reasons only. And for the highest affiliate earnings for clickcash, they cannot exposed it and I’m really sorry about that. This is what they replied back to me:-

Unfortunately, for privacy reasons, we cannot release information relating to other affiliates to you.

Sincerely,

ClickCash Support Team

I’m pretty sure that affiliates can earn a lot of money. So, it is worth to try as they have a good program to be associated with. I hope you will consider signing up for this affiliate program. Think about the benefits and think about the money, bro!

Cheers

one more step to become the next millionaire

Categories: Affiliates

Affiliates: Make money

It’s been 3 days since my last post here. Actually, I am still researching about the best affiliate program on the net that I can present to you here, so we can get the benefits from it.

I have found some great affiliate programs that really worth of looking at, but I don’t want to just list them all here as for me, it does not show my effort to give the best info on how to be a millionaire. Therefore, only the best affiliates will be reviewed here but just give me some times to get hold of those affiliates and the critical info about them. I will make sure that you get the top affiliate programs to monetize your site.

If everything goes smoothly, maybe I can publish the first post about the best affiliate program today. The latest is tomorrow, I promise!

Cheers

one more step to become the next millionaire

Categories: Affiliates

I was rich yesterday

Have you heard that sentence before (I was rich yesterday)? Lots of people have experienced this, even a millionaire. Believe me. They maybe received their paycheck yesterday, or won a lottery ticket, or got a big profit from the shares trading, but they have lost their money today. Why?

This is the secret. Maybe many people know this secret but only some of them really practice it. And the result is? They never short of money and live rich like a millionaire although they are not one of the millionaires yet. So, what is the secret?

Control your expenses, or budgeting, or financial planning, anything that you wan to call it. It is so simple. The only thing that you have to do is control your money flow or cash flow. Then the question rises, how?

There are many ways that you can do in order to save your money. Here are some points that may save your cash from running out of your pocket fast:

1. Never spend recklessly. Before you go out for shopping, anything from groceries to vehicles, list down all of the stuff that you want to buy and the quantity. The list may look something like this:-

Bread

Rice

Chicken (4kg)

1 Lettuce

2 Potato chips

This will prevent you from excess expenditure and of course, save your money. And remember, unless bring the list along when you go for shopping; the list is nothing but a garbage!

2. Do not buy unnecessary things. Have you ever go out for shopping and end up buying all those discounted or promotion stuff? Then, you were broke, right? That is an example of buying unnecessary things. You will lose your money now and then. Why I said that? The answer is in the next point.

3. Prevent continuous out flow of money. Why it is continuous? This is because when you buy useless or not so useful things, you have to do the maintenance right? For example, if you have 2 Mercedes Benz, 1 BMW, 1 Cadillac, 1 Jet boat and 1 Kawasaki Vulcan, imagine how much do you need to spend only to do the maintenance for this things, which is unnecessary for me. In my personal opinion, it is just nice to have only one car that works and has low maintenance cost. And if you really want to cut off your continuous lost, just get rid of those ‘rubbish’ things!

4. Spread the costs. Before, I used to live alone and have to pay all of costs of living by myself. Imagine how much my money flow out at that time. It’s really painful. Now I live with 3 other friends and we share almost all of our expenses. This has lifted some of my financial problem away from me. For example, now I can rent the same apartment for a cheaper price as the cost is divided by 4.

5. Have a doctor buried your credit card in your body. I’m not saying you have to really do that. Of course you can, but do not ever mention my name =). What I want to say is try not to do your spending with a credit card. You may happy now, but you will SUFFER tomorrow. Consider buying only things that are really necessary with credit card. For example, purchase a book from Amazon.com. Book is considered as a good investment as people always learn to live better, don’t they?

If you can practice all of these points above, I am sure that you will not end up saying ‘I was rich yesterday’. But you will say ‘I was rich yesterday and still rich today’. Unbelievable? Believe it!

Cheers

one more step to become the next millionaire

Categories: Financial, planning

FREE search engine optimization!

Ever wonder how a site is ranked high in a search engine? Why mine is not? The answer is you need to do a search engine optimization. So, what is search engine optimization?

Search engine optimization is a process of optimizing a site/blog with search engine optimizer tool that shows you how to create a site (or blog) that can be traced and highly ranked by search engine. For example, Google, Yahoo and MSN. This is really important as most of the internet users start their search of information by using search engine. If your site is not even included in a search engine, that is the worst thing as you have lost heaps of potential traffic.

Therefore, here I present to you a FREE search engine optimization tool which I found recently. It is called Web CEO. You can find the link at the bottom of this post.

Ok. Now you may wonder what can this search engine optimization tool, or some people called it SEO, offers. This powerful tool actually can help you to build a really great site or blog from scratch. Maybe you have some ideas on some topics, but you still wandering around and thinking on how to make it happen. No worries cause this search engine optimization tool will do it for you.

To make it short, here I list some of the features that you can get from this search engine optimization tool. Note that some of features may not available for free addition but most of them work really well. I know because I have tried it before. So now here they are:

1. Find keywords- this will show you the best keywords that you should have in your content because as I have said before, content is everything.

2. Optimize pages- it will scan your website/blog for any problems like meta tag, keyword density, title accuracy etc.

3. Edit pages- you can edit your pages and optimize them according to the given advice. Really helpful.

4. Submit URLs- no more hassle. Now you can submit your URL to many search engine by just a click.

5. Analyze link popularity- link to your site will determine your ranking in search engine. Believe it or not, the higher your page ranking, the easier you site will get to the top of search engine.

6. Find link partners- as explained before, as link is so important, this search engine optimizer will help you to cut off your time in finding link partners.

7. Manage PPC campaign- if you are using a PPC campaign like adwords, this is essential to you.

8. Check ranking- where is your site sit in search engines? Find out with this great feature

9. Get traffic reports- this features only available for paid subscribers. But you do not have to have this feature actually as there are lots of free traffic analyzers out there.

And some other features like upload files over FTP, control site quality and monitor site uptime.

So, what are you waiting for? Grab this search engine optimization tool for free today. As far as I know, you will not find similar great tool like this anywhere. Period! Correct me if I am wrong but try to search at any search engine and I am pretty sure that you cannot find one.

Cheers

one more step to become the next millionaire

P.S. I will post any tools that may benefit you and me in the future. If you have found one, please share it here. Thanks

Categories: Search, engine, optimizer