Smart tips to invest your money

Hai dear,

Invest in advance from now and how to improve your financial position. The earlier you start investing, the better for you. Time is your friend, your initial investment may be achieved if you manage time well for the financial plan for the future.

Effect of the addition of this allows your investments grow. The earlier you invest, you could potentially enjoy the benefit of the investment for the long term. So investors are smart and adjust your financial goals to find out investment options suitable for you.

Initial investment guarantee your future it also for emergency financial and old days. Do not think not to invest. For me smart investors determine a brighter future and meaningful.

How to invest.

Start to invest these safe and low risk in the investment such as ASB and others.

If you are confident and have more money and want more profit in investment you can choose many kinds of profitable investment if you are wise in decision making.

Continue to invest.

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The true source of passive income wealth

Hai dear,

passive income is income that requires an initial investment in advance and then continue to earn residual income again and again while the involvement of directly from business owner gets reduced. This initial effort like you create a money machine bring in money on an ongoing basis with the participation of physically depleting.

As you can see, active income requires and takes you, though you can get salary increases and promotions, your income is limited because only there you are a only. With passive income, however, you can create income from a variety of sources and continue to add more and more machines that generate money.

Most people will only be able to pay if they continue to work. Similarly, the income of the small traders. You actually yet to reach financial freedom because if you are not working, you have no income to support your life on an ongoing basis (while maintaining assets at the same level).

We see retirees as an example. Many who at first does not work on early retirement. But after two to three years, they go back to work because their financial levels have decreased again. Therefore it is important to passive income allows one to gain income although no longer work.

Examples of some form of passive income are:

Positive cash flow from property: property is what most people think of when talking about passive income. But, it's just considered passive income when the rent you receive is higher than the loan, taxes, maintenance costs and expenses involved. If not, your real estate rentals is just a liability. You can also make money by speculating against the rising price of the asset. Passive income can be generated from residential properties or commercial use.

Become a writer: Express copyright materials that generate royalties, such as a book or e-book, music or lyrics, photos and pictures is another way many entrepreneurs create passive income. Robert T Kiyosaki once wrote in his book "Rich Dad, Poor Dad" that the source of the wealth of the world's millionaires are from the range of passive income. Passive income is income from a job and a little bit of effort to generate long-lasting income. What he has not been sent to us, a source of wealth he is passive income from book royalties. His books have been translated into more than 32 languages. He just invest a bit of time on research to write his book. Although Malaysia's readers do not read books, books hard sale and become a writer might not be able to obtain lucrative income., in reality this will save is just a myth-myth health. Based on the current situation, of many individuals the author already shall rejoice with money royalties of his books. They earn tens of thousands but there are hundreds of thousands of dollars per year!

A career in writing also actually can be divided into several categories:

1) the author of the book – resulted in published in book form

2) Columnist – produce articles for magazines and e-magazines

3) Blogger – have a blog that load their own writing revenue

4) Editor – performing editing other writers write results

5) Translator – perform tasks translate a result writings/work

Book writer, columnist and blogger requires you to think, looking for ideas and writing actively. While editors and translators were not necessary resulted or writings, but only need to examine and repair works of other writers. But his career as an editor and translator has the nature of work more or less similar to the author.

However, passive income is subject to author books receive royalty each year as long as the work of a writer published. Editor, translator and columnist will receive a payment of a certain amount agreed for each task completed. Blogger also typically earn income through link advertisements, or through an affiliate program that placed in their blog.

Patent Lesenkan: Have a great idea or an invention. Lesenkan it and get costs any time when someone using a patent that you lesenkan.

Create niche websites or blogs, and Google Adsense. As long as there are people in and click on the ads, as long as it will be money. Just need to bother at the time of the study keyword and website construction only.

Make a website ' review ' affiliate products. With affiliate products, we don't have to deal with the buyer. If any sales (people buy via our affiliate link), the Commission will continue to get into our bank account at a certain period, such as once a month.

"Recurring Affiliate Program". Will get paid as long as the buyer can make payment. This is usually available on a product ' or ' membership site online system where costs should be done by the customer on a monthly basis, like Lelong.my and mudah.my.

Create eBooks and the ebook sales website. This is the most I love it. We just need to take a moment to complete the ebook, website and ' automatic promotion '. Then continuously get paid as long as the ebook is sold.

The product pay for Use: laundry Machine vendors, using coins, video game shops and store unit can produce passive income. Most of the vending machine the concept of fully-owned and owned by all social groups. The process of generating income become more convenient because it does not need employees, premises and time to manage them. The management company also provides advice, training and counseling aspects of marketing in accordance with their respective businesses.

The owner of the public phones, just like the owner of the machine water. Each week they will bring sacks to collect coins in the phone.

Construct a Web Page Automatically Purchase: build an e-commerce can effectively process and fulfill orders with little involvement from you to produce some passive income. Sell products that are always sought after content of all time.

Build A Successful Business: this term means that a business can be carried out with or without the extensive involvement from you. How often, for example, you see a McDonald's franchise owner on site? A franchise that produces a positive cash flow and have a group to run a business are examples of positive income to the owners.

Remember that passive income does not necessarily mean there are no direct involvement from you. Many times it involves a large initial investment, but it produces more physical involvement required minimum owner after machine you have stable.

There are experts who say that the secret of true wealth is not just how much money owned but the freedom they have. The millionaire free to see the kids growing up, watching movies, breakfast stalls, relaxing on the beach without harassment and shopping without Queuing!

As a result their income many of the passive, they have more free time to use. If you look at the concept of passive income from the lives of the people around you, many groups not sekaya which as you can see. Physicians and dentists have no passive income from their hard-earned. Income potential they have limits. They can only see a certain number of patients only. And they also must be met with each of the patients. It is active. Similarly, government officials, lawyers or salesman. Most of them do not have passive income. They rightly see rich, but in fact they still depend on salaries like most of us.

Ha, how many per cent kah revenue you are passive?

If you still hesitate to choose which one, please view the table below:

Must you now already about to start an internet business that is the most convenient, isn't it?

But, do internet business that generates passive income?

Yes! ... More If your business does not require you to be in front of the computer all the time or per day. Internet business will become a passive income if you are leaving it for a week and go on vacation, and at the same time, money continued to flow into your bank account. Provided, all processes have been automated, that is, all matters in terms of acceptance of the order, receipt of payment confirmation through & to delivery of products to customers. If all the process to "automatic" right, ... so, Yes, your internet business is a passive income.

But, if your internet business needs you facing the computer every day, where you should check order, confirming receipt of payment, and send your product to the client manually. Thus, an internet business you don't already lah can be regarded as a passive income.

What's more, start the first step in generating passive income for you!

Thank to read..

Read : The true source of passive income wealth - madam2u Online

4 types of income categories

Hai dear,

Financial advisers and many coaches and renowned figures will tell you which to really achieve financial freedom, you must have enough passive income over and above your expenses. Nice it sounds, right?

To ease you understand, income can be divided into four categories (although some argue more): the income portfolio income, income dituaskan, active and passive income.

1. Active income, as you can imagine, it is income that requires you to appear to get wages, moneys derived as a result of individual energy and time itself. This is how most people live their lives – as an employee.

2. Portfolio Income is interest, dividend and capital gains came from ownership of shares, bonds and unit trusts. For example, fixed deposits, ASB, ASW, ASG and others. Depositors can earn up to 7% of total deposits.

3. Revenue income generated when an activity which can generate more money by attracting the number of targeted audience. Speaker in a course or Conference, for example, may preferably with trying to arrange and give speeches to 20 people like 1,000 people but can earn more money with larger groups.

4. passive income is income that requires an initial investment in advance and then continue to earn residual income again and again while the involvement of directly from business owner gets reduced. This initial effort like you create a money machine bring in money on an ongoing basis with the participation of physically depleting.

Thank to read..

Read : 4 types of income categories - madam2u Online

Tips to choose the best credit cards

Hai dear,

Get a credit card with a plain-vanilla financing interest rates lower.Because any interest you pay on the balance carried forward to be offset against any interest you earn. Also, compare Payment Program Easy/Flexi Payment which might be useful for larger purchases. You can ask the bank to convert purchases to easy payment scheme/flexi payment, which put it at fixed instalment plan at special interest rates.

If you are already carrying a large balance, many credit card also offers balance transfer programme you need to consider. Balance transfer Program allows you to transfer your balance from the current credit card to the new card at special interest rates.

For those who Want immediate cash

Your credit card can be used to obtain cash advances. There are 2 ways. The first, is to use your credit card at any ATMs to make withdrawals with PIN code correctly. Remember that there are two costs to consider when using your credit card for a cash advance that:

Cash advance fee ( at 5% of the total)

Cash advance interest rate is usually 18% p.a. calculated on a daily basis.

The second method is to obtain cash loans (sometimes known as Liquidity or cash Immediately or dial for cash). These loans are taken on your credit limit available, transferred to a current account or savings on your choice, and repayable by instalments remain in a given period. It is the same with "pre-qualifying" personal loan. The customer wishes to apply for the facility should contact their respective banks and make the request.

For those who like to keep the cost of

Find a credit card with no annual fee and the option to waive the CST. Compensation/benefits/programs are not quite important.

For Muslims who are Loyal

Get Credit Card Islamic. This card is used only for transactions with merchants halal.

For The Rest

If you are not bringing balances forward, does not need to be in place by comparing the interest rate financing. On the other hand, get a credit card that gives ganjarann/benefits that you really want. This benefit can be categorized as follows:

Cash back benefits – Providing certain as rebates on% transaction credit card. The safest bet for those with no choice.

The benefits of Petrol – Give high% rebate on petrol purchases. For road worriors and travel sales person.

The benefits of Travel – Usually comes with the benefit of the frequency of flights and the airport. Best for those who frequently travel.

RP – redeemable for prizes and other rewards. For people who spend large and are fond of shopping.

Contact the dealer/Co-branding – special promotion programmes with selected merchants. For those with specific needs.

Registration – limited time Bonus to reward promotion for check credit cards by bank. If there are any, look for a card that has an interesting promotional sign.

Other Credit Card Tips

Avoid applying for credit cards too much at the same time. It carries a negative for your credit profile.

If you do not have a credit sejara in Malaysia (for example a car loan/housing loan/personal loan/overdraft facility), have at least one credit card. It can help your credit profile.

Credit cards have interest rates between the financing of all credit facilities. Try to pay all credit card balances immediately.

Conclusion

When choosing a credit card, someone should look into all the various dimensions, then disconnect the card that fits your lifestyle before applying. However, when you get your credit card, remember to pay your balance due if you can!

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Read : Tips to choose the best credit cards - madam2u Online

What is the level of your debt

Hai dear,

To find out if you too much in debt, use a ratio of below that compare the ratio of your monthly income with housing loans, credit card payments and loan installment of your vehicle.

You must remember that the creditor will always refer to income ratio/your debt to ensure your financial position. Therefore always control your income and debts with the following tips:

Borrow prudently

Don't borrow more than you can afford with your income. If you calculate the

your level of financial capability, don't forget to include the additional costs that might be.

For example if you want to buy a car, you also need to take into account expenses for fuel,

toll fees and maintenance.

Manage your credit cards wisely

Try to explain your balance every month to avoid interest bearing. Credit card interest charges

often higher than other types of loans.

Reduce your debt

Try to reduce the amount of your debt if you have extra money to reduce interest charges.

Use the bill payment method automatically

Do you want automatic payment so that the facilities your bills are always paid on time.

Budget

Set up a budget and berbelanjalah according to the plan.

Start saving

Start your savings plan to reduce the need to borrow for any purchase

small. This savings plan is also useful during emergency or distress, such as to accommodate

your life if you lose your job.

Thank to read..

Financial management Tips

Hai dear,

Financial management is important. Each individual should be wise in this case no matter how the amount of money or assets that we have. Sometimes maybe we feel stressed when pronouncing or hear the word financial management. In fact, exercise is not difficult. I share 5 only tips that are easy to you use in financial management:

1) Save 10% of your income

Only 10% at least, need to be transferred to your savings account (Non Financial Account). Where the savings are ' reward ' to yourself after the toil of working every month. You have a 90% to be distributed as follows:

10% – free account (use for cutter/hobbies for example, travelling etc)

50% – Account Requirements (home, monthly expenses)

10% – an emergency Account, long-term

10% – educational account (fields)

10% – Grant Account (for example, to a parent or welfare)

By making such a distribution, it will help you set up a monthly budget.

2) have to pay the full amount of the use of credit cards every month

Not one of the credit card. Many facilities. No need to bring plenty of cash, more secure. But use it as you spend in cash for each month you have to pay the full amount, and avoid high interest costs for the remaining monthly payments when you pay the minimum amount only. The cost of these benefits is extremely expensive, can exceed 20%! But if you are smart, the savings can also be enjoyed with the use of a credit card.

3) set up a budget and make a list of monthly expenses

Once set up and make the distribution like tip # 1, can provide a more detailed budget. Through the budget, you will find there are surplus to put your financial free account. If there is no surplus, you can make changes to the level of monthly expenses such as reduce certain costs for example replace the packed outside by eating with family at home.

Last 4) list of goods before purchasing goods

Without providing a list of goods to be bought, chances are you will spend over 30-50% than necessary. Especially when buying essential items in ' hypermarket '. List of goods will help you more focused and save time. So SAVE MONEY + SAVE Time!

5) talk to your spouse about finances

For those who have families, I highly recommend always talk with your spouse about money management. This is very important so that each understand the financial position and can implement the appropriate strategy to improve financial situation towards the better.

Thank to read..

Guide To Buying Online

Hai dear,

Various items can be purchased online including dress shirts, pants, scarves, etc.Very often I hear complaints from friends who buy online where they are not satisfied with what they have purchased.

Why so this? Not satisfied just return the goods!Correct it?.But not everyone wants to do so when a vendor but clean si toil to do business online.

Common problem of not receive the items as they appear, quality not guaranteed by seller, in the middle of the road and many more.Here I want to share some tips for buying clothes online or any of the goods.

1. Know what you want to search.

Buy online only when these items were absent or rare in the ordinary market. If the goods are sold in the common market a lot more buy only in the store because it can make out the heart. On the internet of course you came across a wide range of different shirt colors, patterns and sizes. If you do not specify what is to be purchased of course sad with the diversity.

Clear picture about the shirts help you do not mistakenly select. If you plan to buy original batik shirts Terangganu for example, of course you never see how the appearance of the batik. Maybe the vendor can express that batik batik Terangganu yet other States too many on the market.

2. check the kredebiliti website owner/seller online.

Kredebiliti online vendor offering difficult known unless you check the company's name, how long in operation, other buyers feedback, place operates, how the presentation and ease of payment. Serious sellers difficult course provides all this for the sake of satisfaction of potential buyers.

Today there are so many sellers online and they come and go. What is concern when there is a problem in terms of goods and you want to change it but found the vendor was gone and left only its website only. Profit if unable to locate the owner of the website how the vendor use blogspot for free of course difficult to be detected.

Other tips buy clothes online.

3. specify the time of delivery of the goods.

Usually the seller will state the time of delivery of the goods. It all depends on the location of residence the buyer.Food items such as cakes of course is not suitable for long delivery times unless you choose delivery pos laju.

4. specify how the total cost of shipping.

Shipping costs also depends on a site sellers with buyers. If you buy from abroad will be the total cost of delivery is a high as possible using water services currier. Make sure the price after delivery cost, not price alone. Do not be surprised the goods price melipat times expensive after the added shipping costs.

6. make sure the material used in the manufacture of the shirt.

Usually the seller will state the material use but some of it doesn't make it so.Make sure the shirt is made from material misstatement whether cotton or polyster or both. Don't be too impressed by the beauty of design without knowing the material used.

All the above are just some of the tips buy clothes online. The important thing you need to be careful every time shopping everywhere else in order to avoid wrongly buy clothes online.

Secure purchase online!

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9 Tips do not invest if there

Hai dear,

1. don't invest if there is no knowledge in the field of investment involved.

Do something without knowledge will perish. In the event of worship, it can be cancelled and not getting rewarded.

Similarly, in any item, do it based on knowledge. If there is no knowledge, seek knowledge with berguru or course or read a book and so on.

2. do not invest if according to others or the current trend.

Many invest shares seeing friends or friends FB can earn income with the shares. Similarly, gold investment, real estate and others.

Not one of investing in the field above, that harm is only by people without themselves to study and learn in advance.

Similarly, when there are people invested with company A and is said to be getting the return 3 fold which is too good to be true, then many people participate, even though it is a form of fraud.

So, be careful in selecting your investment portfolio by making the study in advance.

3. do not invest if there is no savings.

Savings you are your assets for the use of the present and the future later.

While investment is an opportunity to double your money but with certain risk either profit or loss.

Therefore, something sure that saving money you will need for your life in the next few years.

If there is extra money, in the sense you are willing the money profit or loss, then may be you have invested.

For investment gold, it is a long term investment (usually 5-10 years), where you change your Provident Fund with the dinar or gold bars. But, make sure in advance you've had your savings for daily use.

Again it, if you save and invest at the same time, i.e. with Tabung Haji where you also get the return of 7-8 per cent per annum.

4. do not invest with debt.

Most people love doing this to 4.

They like borrowing and investment scheme without adequate knowledge and their mentor, who eventually had to bear the loss and debt instead.

Therefore, do not practice investing with owe either by family members, bank loans or other person.

Different if you believe you can afford to pay back with your savings, then it can be considered.

5. do not invest if not confident and not clear.

If you are not totally satisfied with the plan of an investment, it is not clear to the operations of the company or the counter, who manages the company, the assets and liabilities they are, what they do and what their business is, then do not invest with the company.

6. do not invest if don't know ROI.

Return on investment (Return on Investment) is important if you are involved in investments such as stocks and real estate.

Don't invest if you don't have your how target target ROI percentage, 2-5% or more.

The purpose of investing is to get profit. Therefore, know how the rate of profit you want to very important so that you have a target and good planning.

7. do not invest if not halal.

This is very important if you want to invest in any company, make sure the company or product of the company is certified halal and Shariah compliant.

This is because we want every profit earned is of good results, and halal.

8. don't invest if you are not ready.

When you dare to invest, then you are ready to face any risks and situations that come either opportunity, profits and losses based on the level of knowledge and finance you have.

Therefore, don't invest if you have not prepared in terms of knowledge, experience, the financial surplus and the confidence and courage.

9. do not invest if any greedy feelings inside.

In seconds you feel evident from feelings of greed and want an immediate profit in, take away a moment and think back on what exactly you want.

Breathe and be careful in making any investment decision.

Recite plenty bless and beristighfar we wish removed feeling greedy self. Add a feeling of gratitude for all that has been acquired.

Wouldn't work and always loss for people who are greedy and ungrateful.

May 9 the above tips can help you and me to more willing in making any kind of investment.

Thank to read..

Tips to Buy Cheap Stuff online

Hai dear,

I just get the product cheaper purchased online. Really satisfied with the product purchased. This is not the first time I bought online. And many times and we buy, and we do not buy from websites that I was, but we buy it from Lelong.my. We are able to buy at a price that is much cheaper than the current market price or from real shops available.

Dealer Cheating Online Customers

Many people complain that there is this online dealers who cheat customers.

That's the worst case, small cases such as dijanji goods didn't arrive at the time supposed, goods get less quality, the product is not as advertised and much more also occur. Not a two cases, a lot actually.

Items Online Often Cheap

So, this entry, I want to share some tips for buying goods easily online. Cheap? Ye, cheap because I know many people who like to buy goods online because it gives the price lower than the market price of the ordinary that we saw.

Thank to read..

Tips to Buy from a facebook or Blogshop

Hai dear,

If you want to buy from a business blog or blogshop, be sure and blogwalking to the blog-the blog to compare the prices of the same products.

Make sure the business blogs that have registration, address, email and phone number to be contacted. This is to allow you to be covered by the law for any fraud.

See last post each entry related products. Don't buy products that are published on a date and centuries old.

Bookmark the blog in your internet browser for reference later on. They also help you to get the product cheaper and make comparisons with better.

Contact blog owner such transactions to build confidence and trust. This way will also help you to get a discount from the blog.

If the blog owner's personal Facebook or Google Profile, add as a friend.

Subscribe to newsletter blog such transactions to continue to get the latest entries on the products sold. Often the initial price of the product is cheaper.

Buy Tips from Facebook

Buy it from Facebook you see many people LIKE and some details about the owners or the dealer.

See post-the post in Facebook, sometimes there is a post you can get product price price save.

If any kontest or giveaway, participate actively. This builds a relationship between you and the owner of Facebook.

Like blogs, you need to go to some other Facebook page to compare the price of the product.

List them the address, email or phone number of the owner or trader the Facebook.

View details and product images provided, if any given, give preference, don't buy from dealers who did not give details of Facebook products such as price, way of payment, how to post and so on.

Tips to Buy Cheap Stuff Online in General

In General, in turn, to buy online, you need to identify who sell. Does she a seller who is respected and reliable? Take a look at the comments or review left (if any).

I hope these tips can help buy what is looking online, as well as prevent from be deceive by those who are not responsible.

Oh yes, another, buy products recommendation from those who've bought or temporarily review about it.

Thank to read..