Category Archives: Finance

NAWEM – Inspire Women in Business

I was browsing around when I found this website that inspires women in business – NAWEM. You can visit their site at https://www.nawem.org.my/. They have organised several workshops and seminars for business women. Just the other day, I was reading the Straits Times and the government had helped a woman bumi earning from barely $1k per month to making $1 million in revenue every month simply selling babies’ diapers and exporting to Indonesia, Philippines, etc. Even her trip and hotel stay at the first attempt were all paid for! So easy peasy for bumis to get started and connected with the right channels, if only they are willing to work hard and put in effort.

The learning curve is cut short very much unlike for others who have to slought it out themselves. We may not even have the financial means to do so and even have to learn from trial and error. As it is, I have a booking site that is still not ready even after 2 years of hosting and it has not brought in any business. If only I have a mentor to guide me through how to strike it out on my own on a part time basis, as I have a full time job at home, I would gladly grab the opportunity.

Now in Quayside

I am now in Quayside condo to do my laundry of washing my bedsheet, pillow and bolster cases. There is also a machine dryer to dry up the washed items. I packed dinner along which was part of lunch in half portions. Brought along my book and magazine to read while waiting for the laundry to finish. Also am pleased that I got paid USD 70 via my paypal for 7 articles written for a Singapore website of around 1,000 words plus with free pictures included. It is about things to do in Switzerland and is a curated website where you have to do some research for approval. There are dozens of writers on this content rich site, hence I am lucky to be accepted for all my articles written so far.

Tomorrow is pay day as today is a public holiday and all banks are closed. I took the opportunity to change the bedsheets as my partner has hinted it some days back. Also signed up for some surveys to do in my free time. There is no way to get rich using the quick scheme which cons many people of their hard earned money. Beware of money games, binary systems that predicts whether the stocks will go up or down and promises of software that is automated and correct 70% of the time to help you make money! In fact, it is just the opposite; it helps the owner to make money while you lose money. In stocks, someone will make cash at the expense of another who will lose it instead.

Nothing beats the old traditional way of studying hard and working hard to save up bit by bit to become rich. How do I know this? Well I read the newspapers and 2 articles were written by different experts with sound advice. They are more practical and teach you the delayed gratification method of getting there while eschewing speculation and gambling. In a nutshell, there is no short cut to success. And don’t get hoodwinked into network marketing or MLM of alkaline water, aromatherapy of Lampe Berger and such. Don’t let greed get the better of you, but use common sense to protect your money from tricksters, conmen, etc.

Received 1,000 Manis Points

I am happy to announce that I received 1,000 Manis points for my previous blog post on this amazing free App. From about 5,000+ points or so, it went up to 6,000+ immediately after I emailed back my Manis account name to Carmen. When I checked the rewards, I noticed a new Robinsons’ Marks & Spencer voucher of $10 and promptly redeemed it on the spot as I have purchased from Marks & Spencer before and they have a branch in Gurney Plaza and in Sunway Pyramid Shopping Centre. This is my 4th redemption. For each $1 that you spent, you get 1 point.

We were in Langkawi recently for a project and bought some liquer, chocolates, nuts, etc. We had lobster and requested for butter style, but instead it was fried lobster which was a disappointment. And it cost us RM 20 / 100 gm for supposedly 700 gm, but looks more like 400-500gm in size. Anyway, the meal of almost $200 for 2 to celebrate my friend’s birthday was snapped with the receipt given and it was accepted. You will need bright lights to snap the receipts for a clearer picture and not grainny in the dark. After cropping to appropriate size, it was uploaded to Manis app for approval.

Above is the snapshot of my iPhone 6 of a successful Manis redemption of the $10 voucher that will arrive in my address in around 10 days time by Pos Laju or registered post. I love this App and I guess I am addicted to snapping receipts both from my own purchase and that of my partner’s to collect points. They also have a Facebook page and you can check it out.

You can also track your expenditure per month, per week and so on. I just wonder how Manis makes money back from all the given vouchers. Otherwise, it is a Great free app for anyone and you will get 500 points immediately upon successful referral and sign up by your friends.

Complimentary Ticket To Meet Marry Buffett LIVE!

Come 1st April 2017, for the first time ever, you’ll get to meet 3 investing legends, Ms Mary Buffett, Mr Ken Chee and Mr Sean Seah, up close in person at the inaugural Investopia 2017 at Wisma MCA. By the way, Mary Buffet is the daughter-in-law of Warren Buffet, the richest investor and is highly sought after for his ideas.

Even rarer, is the chance to meet THREE of such titans in the world of investing, at the same time, at the same place, under one roof, right here in Malaysia. And it’s indeed a once in a lifetime opportunity where you can do this … for FREE at Wisma MCA on 1st April from 9:00am – 6:00pm.

A bit about the speakers:

Ken Chee is a highly successful entrepreneur who started his company with ZERO capital and turned it into a 9-figure business based upon the principals of value investing.

Sean Seah is a highly sought after financial writer who has appeared in front of international audiences around the world.

And of course, there’s Mary Buffett, best-selling author, international speaker who is flying all the way down from California, USA, to meet with each and every one of you LIVE in person.

Here’s a sneak peak at what will be covered in this FULL-DAY information packed event:

How can you invest even with a little capital?
Should you invest in companies in Malaysia?
What kind of companies can you invest in Asia?
What about the US market? Is the economy going up or down?
How can you protect investments and still profit no matter what?
And much more!

When you learn directly from these masters, you can’t help but leave the conference a wiser, more confident investor.

Here are the details of the event –

DATE: 1st April 2017
TIME: 9am – 6pm
VENUE: Wisma MCA
INVESTMENT: RM97 FREE

If you miss this event, you will never get to learn directly from the 3 investment experts under one roof ever again.

So go ahead and register for your free seat today! Enquiries please call us at 03-2201 8089 or email to customersupport@8investment.com

I have already registered and shall be attending this whole day event at Wisma MCA. At the same time, I have also booked to stay at Mandarin Oriental Hotel in KLCC from 1st April to 2nd April using corporate rate for RM 780+ total including 10% service charge and 6% GST. Mandarin Oriental Hotel is just 5 minutes walk away to Wisma MCA.

AdF.ly : shorten urls and earn money

Ad.Fly

You can earn a little for each click on advertiser’s site and stay there for 5 seconds to be credited before your actual link is shown such as this shrunk URL here >> http://adf.ly/1liBUP

And you can click only once to test. No Adult website is allowed and neither are you allowed to do click rings, which means you click my site and I click yours. My referral link is https://join-adf.ly/1903712 where you can click on it to join under me.

Above is a picture of the home page of AdF.ly in blue theme. Personally, I think this is more suitable for those staying in India, Indonesia, Vietnam, Philippines, etc and other low cost countries where the exchange rate of USD is very much higher. Just read the terms and conditions carefully so that you don’t get banned unnecessarily. I got to learn about this program by watching a Facebook Youtube video done by someone from India.

Should you come from these countries as mentioned above, then it is be an ideal programme to join taking into consideration of the very high exchange rate. As for me, I am too busy with my full time work to actually concentrate on this programme which uses cookies to track your earnings and clicks.

There are so many videos out there teaching you how to create extra cash that you have to separate the wheat from the chaff. Some works, while others may not work. Indeed, the internet is a world of oyster of information at your fingertips. It is a treasure chest of tips and tricks that you can learn for free if you just look around.

And it you join a helpful forum where members are willing to teach each other, then you will be blessed for knowledge is power. Education in English is vital in this day and age.

20 Wonderful Ways to Make Money from Your Own Computer

20 Wonderful Ways to Make Money from Your Own Computer Book

20 Wonderful Ways to Make Money from Your Own Computer highlights the methods the author has successfully implemented to earn a comfortable income working from a home office since early 2004.

It is easy to read and informative with pictures included for illustration. With gloomy worldwide economy, this book provides fresh ideas and insights for the retrenched or unemployed to work and earn money in their pajamas, right in the comfort of their homes.

It is never too late to learn new skills and techniques even for the novice to start making money and milking the internet which provides a stable income for many people. With the internet as a cash cow, many stay-at-home parents are able to work while minding the family affairs at home at the same time.

It is a dream for many to be able to work from home, saving precious time commuting to work and money from buying office clothes and shoes. Moreover, you can fire your boss and call the shots with just your computer and internet connectivity.

It is hoped that this book will help chart your path to becoming your own boss in this age of modern technology and smartphones. Buy a Copy Now

Going to KL in a while’s time

Today is Thursday and it is morning at 9:25am. I will be going to KL with my colleague and return on Sunday, also to hear free public talk on Investment at Mid Valley CityMall Halls 2 and 3. There are several speakers talking for 40 minutes each for each day and divided into several sessions per day. There is a goodie bag, free ice-cream and other freebies dished out for the participants. There is also a talk by Bank Negara, PRS, EPF, etc. I hope to have a good time there and learn something to grow my savings. Wish me luck!

Online Opportunities

I am looking for online opportunities to earn a little here and there by doing microjobs and paid commenting. Some time back, I got close to USD 100 for virtual assistance rendered to a US client and now I am on the look out for more ops. It is very easy to spend money but earning and keeping it is a challenge for most of us. That is why so many yuppies and grads become bankrupts due to overspending as soon as they get their first pay cheque. Discipline takes effort and should be cultivated from young. If you don’t learn the habit of saving up for rainy days, then your retirement may look bleak or woeful instead of golden and free from financial stress of lack.

Tycoon land sales raise questions

tycoonlanddeal

A few tycoons are selling large swathes of their land in Malaysia, either directly or through companies they control. Could this be a sign of the times, in the sense that these businessmen are looking to cash out of an asset class that is set for a prolonged downturn?

“You get the feeling like these tycoons are reading the market and acting on it,” says one fund manager.

Just last month, Guocoland (M) Bhd, a company controlled by Tan Sri Quek Leng Chan said its associate company announced it was selling a large piece of land in Sepang to Petronas-owned Putrajaya Holdings Bhd.

Around RM116mil of the sales proceeds will be attributable to Guocoland, in which Quek has around 65% interest.

At around the same time, Tan Sri Lee Shin Cheng decided to sell 400 acres of his privately-owned land to IOI Properties Group Bhd for a whopping RM1.58bil.

Lee will be paid mostly in shares, nudging his stake up to 58.56% from 51.47% but will also be getting cash of around RM158mil from the sale.

Lee has since explained that the deal shows his belief in the long-term prospects of IOI Properties and that the land will enhance the prospects of the latter.

He also said that he would use the cash proceeds from the sale to buy more shares in IOI Properties. But some observers say his move, of putting his privately owned land into his listed company, can be read as a decision to not want to take the risk of holding this land in these troubling times, but rather move it into his listed company.

Another notable vendor of land in recent times is Tan Sri Danny Tan. Through his listed Tropicana Corp Bhd, he has sold more than RM1.5bil worth of land this year alone.

Tan also sought to sell a large piece of land in Gelang Patah Johor to Singapore-listed Albedo Ltd for which he would have assumed control via a reverse takeover.

That deal has since been aborted and it isn’t clear if Tan has sold that piece of land, which was valued at almost RM2bil at the time of the proposed deal.

Last year, Tan Sri Desmond Lim’s Global Oriental Bhd sold 15 acres of land in Seri Kembangan to Singapore incorporated Qingdao Investment Pte Ltd for RM142mil while in 2013, DRB Hicom Bhd, controlled by Tan Sri Syed Mokhtar divested close to 250 acres of land in Johor to Eco World Development Group Bhd for more than half a billion ringgit.

Public Bank launches e-fixed deposit account

Public Bank Bhd recently launched the PB e-fixed deposit account (PB eFD) which is for customers opting for e-banking.

PB eFD is a “Go Green” paperless fixed deposit account which allows the customers to create the accounts, make placements and also withdraw online via PBe Online Banking (PBe).

With PB eFD, customers will benefit from the fixed deposit (FD) interest rate just by applying for a PB eFD account and make FD transactions anywhere via PBe throughout the whole week.

The PB eFD placements are carried out in real time with minimum placement from as low as RM1,000.

PB eFD is open to individual customers aged 18 years and above as well as sole proprietors, who have existing conventional personal current accounts or savings acounts and who have registered for PBe.

The bank said the facility would enable customers enjoy their interest earned before the maturity as PB eFD offers the option of monthly automatic crediting of interest into customers’ current account or savings account.

PB eFD also offers automatic renewal for the same tenure at the prevailing board rates for the convenience of customers.

In conjunction with the launch of PB eFD, Public Bank is running a “PB eFD Campaign” from Jan 12 to March 31 offering higher promotional interest rates of up to 3.60% per annum for three months and above.

With “PB eFD Campaign”, customers can watch their money grow and earn competitive interest rates.

Customers just have to open a PB eFD account via PBe and make a minimum PB eFD placement of RM1,000 during the campaign period in order to enjoy the higher promotional interest rates.

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