Many people work away from their home countries. Using the mobile or any operator assisted phone calls to call home is not cost efficient.
There are cheaper alternative ways to do this. Depending on your preferences, you can use a phone card, voip or skype
Phone cards are the most convenient and easiest to use. Here is an example of one of the websites on phonecards. Do a search on google and you will find plenty. Alternatively, you can also get phonecards from most newsagencies and post offices.
http://www.onlinecallingcards.com.au/
What is Voip
http://en.wikipedia.org/wiki/VoIP
What is Skype
http://www.skype.com/intl/en/
Saturday, January 12, 2008
Monday, January 7, 2008
Save by shopping at Amazon
With competitive pricing, shipping specials and used titles.
Use link "Find everything at Amazon Here! " on left column of blog.
Use link "Find everything at Amazon Here! " on left column of blog.
Sunday, January 6, 2008
CPA Articles - Creating Good Money Habits
Here is the link to CPA's Creating Good Money Habits,
Click Here!
You may find other articles that are helpful in the CPA webiste. Just Click Here! and do a Search on the topics that interest you.
Click Here!
You may find other articles that are helpful in the CPA webiste. Just Click Here! and do a Search on the topics that interest you.
Savings Tips
In the world where people stress on capital growth, Savings is often an underestimated and powerful tool.
It is true that significant profits are pocketed during times of extreme good capital growth. However, one should understand that there are risks involved in holding capital items vis-à-vis savings which is risk free. For example, capital items can also lose their value during times of poor economy. Or, you may find yourself in a situation where you had to liquidate the capital item for less than what you paid for it.
Here are 4 Tips to Save Money
Many people’s wages just enough cover their living expenses, like rental, car and personal loans, and groceries. However, if you are seeking financial security, you have to acquire more money than what you spend – so that you can put this money in an investment in a business or in other ventures that can propel you to financial freedom. To be able to do this, you have to start developing saving habits early in life.
Here are some pointers regarding saving money:
1. Earmark a minimum amount to be saved. Savings are not meant to cover bill payments should one fall short of cash. They are intended for financial security. A little savings, in time, will become big; and it can be used as investment capital to earn more. Question: “Where will I get the cash I need should I fall short of it?” The answer: “Find other means of earning extra income, say a weekend part-time job. Any excess cash from one’s part-time job can be added to your savings.
2. Shop only for necessities, and restrain from impulse buys. Think first before you purchase. Separate the have to have from the nice to have. It will pay dividends later. Don’t fall prey to bargains not needed. Restrain the use of the credit card.
3. Review your lifestyle. Change or scale down habits that seem to be extravagant. For instance, you do not need to go to the top hairstylist, or go eat at expensive restaurants. Try to look for value for money. Take the bus or train when possible, instead of driving as you can save on gas, parking fees and highway toll charges. If you must drive, try car pooling with officemates or neighbors to cut down on these costs.
4. Monitor your regular monthly bills on utilities like electricity, gas, water, and telephone and constantly challenge yourself on which areas you can save. For example, it is quite common nowadays to own hand phones, so is your land line necessary? Also, water from the washing machine can be used to water the lawn.
It may take a while to get adjusted to a lifestyle in the “savings” mode, even to the point of “little sacrifices.” Adapt a gradual, progressive change to save to lessen the impact of adjustment from the lifestyle one used to be accustomed to.
It is true that significant profits are pocketed during times of extreme good capital growth. However, one should understand that there are risks involved in holding capital items vis-à-vis savings which is risk free. For example, capital items can also lose their value during times of poor economy. Or, you may find yourself in a situation where you had to liquidate the capital item for less than what you paid for it.
Here are 4 Tips to Save Money
Many people’s wages just enough cover their living expenses, like rental, car and personal loans, and groceries. However, if you are seeking financial security, you have to acquire more money than what you spend – so that you can put this money in an investment in a business or in other ventures that can propel you to financial freedom. To be able to do this, you have to start developing saving habits early in life.
Here are some pointers regarding saving money:
1. Earmark a minimum amount to be saved. Savings are not meant to cover bill payments should one fall short of cash. They are intended for financial security. A little savings, in time, will become big; and it can be used as investment capital to earn more. Question: “Where will I get the cash I need should I fall short of it?” The answer: “Find other means of earning extra income, say a weekend part-time job. Any excess cash from one’s part-time job can be added to your savings.
2. Shop only for necessities, and restrain from impulse buys. Think first before you purchase. Separate the have to have from the nice to have. It will pay dividends later. Don’t fall prey to bargains not needed. Restrain the use of the credit card.
3. Review your lifestyle. Change or scale down habits that seem to be extravagant. For instance, you do not need to go to the top hairstylist, or go eat at expensive restaurants. Try to look for value for money. Take the bus or train when possible, instead of driving as you can save on gas, parking fees and highway toll charges. If you must drive, try car pooling with officemates or neighbors to cut down on these costs.
4. Monitor your regular monthly bills on utilities like electricity, gas, water, and telephone and constantly challenge yourself on which areas you can save. For example, it is quite common nowadays to own hand phones, so is your land line necessary? Also, water from the washing machine can be used to water the lawn.
It may take a while to get adjusted to a lifestyle in the “savings” mode, even to the point of “little sacrifices.” Adapt a gradual, progressive change to save to lessen the impact of adjustment from the lifestyle one used to be accustomed to.
Saturday, January 5, 2008
Power to Savings ! Some Maths
Savings
Underated, and often overlooked.
Let me do some sums here.....
Assume investment property loan is $300,000 on an $500,000 property. Investment loan interest at 8% is $24,000 a year. Assume value of property doubles in 7 years.
Total profit is $1,000,000 on sale of property less $300,000 loan to bank payback and $168,000 (7 years X $24,000) total interest charges on the loan = $532,000.
Sounds good ?
Compare this with cash savings :
$200,000 put into deposit earning interest of 7% for 7 years compounded = $321,157
$24,000 put away annually earns at the end of 7 years = $207,695
Total profit is $528,852.
Savings is RISK FREE.
Please note no tax strategies have been considered, with this, property investors may get more returns. However, this does not detract from what I was trying stress.
See title of today's blog. Book mark this for more cash tactics to improve your savings .......
Underated, and often overlooked.
Let me do some sums here.....
Assume investment property loan is $300,000 on an $500,000 property. Investment loan interest at 8% is $24,000 a year. Assume value of property doubles in 7 years.
Total profit is $1,000,000 on sale of property less $300,000 loan to bank payback and $168,000 (7 years X $24,000) total interest charges on the loan = $532,000.
Sounds good ?
Compare this with cash savings :
$200,000 put into deposit earning interest of 7% for 7 years compounded = $321,157
$24,000 put away annually earns at the end of 7 years = $207,695
Total profit is $528,852.
Savings is RISK FREE.
Please note no tax strategies have been considered, with this, property investors may get more returns. However, this does not detract from what I was trying stress.
See title of today's blog. Book mark this for more cash tactics to improve your savings .......
Widgipedia
Mood-Me Moji
From Widgipedia, "A Mood-Me Moji actually “reads” your latest blog posting and tries to figure out what your current emotion is and will display that mood immediately. Find out how many emotions ‘lil Moji can understand. He’s quite cheeky too at times!!"
Moji comes free, though you will need to register to get him.
Hmmmm....he has been sleeping all day and I'm not quite sure what he is trying to tell me about this blog ?
Widgipedia has also plenty of other widgets that are worth checking out.
Go to Widgipedia
Alternatively, click on the link below his picture on the left.
From Widgipedia, "A Mood-Me Moji actually “reads” your latest blog posting and tries to figure out what your current emotion is and will display that mood immediately. Find out how many emotions ‘lil Moji can understand. He’s quite cheeky too at times!!"
Moji comes free, though you will need to register to get him.
Hmmmm....he has been sleeping all day and I'm not quite sure what he is trying to tell me about this blog ?
Widgipedia has also plenty of other widgets that are worth checking out.
Go to Widgipedia
Alternatively, click on the link below his picture on the left.
Thursday, January 3, 2008
This Blog
Aims to: Understand alternative sources of income, other than Salaried income.
Types of income: Salaried, Passive, Porfolio and Savings
Strategy Favoured: Passive and Savings income. Portfolio can be tricky as it hinges on market timing and exit strategies.
Nature of Posts: These are low risks, require low start up costs to earn passive income. Savings have no risk.
Level of Difficulty: Depending, for Passive income, you can purchase the initial start ups and still be able to learn, except you will have a steep learning curve, or you can purchase tips and tricks to get a leg up. For Savings, it requires self control
Barriers to Entry: Time, Tenacity, Restraint
Suitable for : People who want to make a change in their lives, people with compulsive obsession to suceed. Remember, there is no free lunch in this world, and you are required to work and take responsibility for your sucess.
Types of income: Salaried, Passive, Porfolio and Savings
Strategy Favoured: Passive and Savings income. Portfolio can be tricky as it hinges on market timing and exit strategies.
Nature of Posts: These are low risks, require low start up costs to earn passive income. Savings have no risk.
Level of Difficulty: Depending, for Passive income, you can purchase the initial start ups and still be able to learn, except you will have a steep learning curve, or you can purchase tips and tricks to get a leg up. For Savings, it requires self control
Barriers to Entry: Time, Tenacity, Restraint
Suitable for : People who want to make a change in their lives, people with compulsive obsession to suceed. Remember, there is no free lunch in this world, and you are required to work and take responsibility for your sucess.
What's Your Idea Of Making Money? Is it...
Make online income from multiple streams
(A) Working like a deranged dog to keep above the poverty line.
-OR-
(B) Checking your computer a couple of times a day and watching the money roll in.
If your answer was (B) read on....
Click Here!
(A) Working like a deranged dog to keep above the poverty line.
-OR-
(B) Checking your computer a couple of times a day and watching the money roll in.
If your answer was (B) read on....
Click Here!
Secrets of Self Made Millionaires - Coachings from a Real Millionaire
Learn from a Real Millionaire
Adam Khoo beame a millionaire when he was 26. The following are his principles :
All Self-Made Millionaires Possess and Practice These 7 Essential Skills (And It's Easier Than You Think Once You Know How)...
Step 1: Adopt the Million-Dollar MindsetMillionaires see learning experiences, where Mister Ordinary sees failure. The moment you adopt the beliefs and habits of a millionaire, your perception of the world will change completely and you will realize that there are money-making opportunities everywhere and everyday around you.Amazingly, these are opportunities that you were once quite blind to!
Step 2: Set Clear Financial GoalsWealth never happens by chance. It always begins with a clear goal in mind. At one point of time in their life, millionaires always make a decision to become rich. However, whenever I ask most people what their financial goals are, I often get a blank stare. This is a major reason why they will never achieve any level of wealth because they have no clue what it is. Unless you have a specific figure to focus on, you will never be able to develop a strategy to achieve it.
Step 3: Create A Financial PlanOnce you have set specific financial targets of how much you want to earn and how much money you want to accumulate, you can then develop an effective plan to achieve it. Goals by themselves are nothing but pipe dreams. Only when you create a plan, have you made your goal a possibility. The moment you start taking action on your plan, your dream becomes a reality.
Step 4: Massively Increase Your IncomeAfter developing their financial plan, most people tend to become initially disheartened. They look at their plan and realize that with the amount they are earning and saving right now, it will be decades before they see any big money.It is therefore important that you learn how to accelerate and turbo-charge your financial plan by taking steps to massively increasing your income.
Step 5: Manage Your Money & Reduce ExpensesMany people think that by increasing their income, their wealth will automatically increase. Unfortunately, increasing income is only one side of the wealth equation. After all, there are people who earn $2,000 a month who are broke and there are those who earn $20,000 who are still broke. The reason is because when we don’t manage the money we earn, our expenses will always rise to our level of income, wiping out any surplus we have!
Step 6: Grow Your Money at Millionaire ReturnsBy increasing your income and reducing your expenses, you will find that you will be able to accumulate a surplus of funds that you can use to help you build your fortune. You need to do this because, no matter how hard you work and save, you will never be able to create phenomenal wealth unless you learn how to put your money to work for you. Through the power of compounding, you will be able to take small sums of money and build it into huge returns over time.
Step 7: Protect Your FortuneThere is no use working hard to build your personal fortune only to see it all taken away from you. There are many people who have taken decades to build their fortune only to see it wiped out by an accident, unforeseen illness or through an unexpected lawsuit. Self-made millionaires engage professionals like insurance advisors, lawyers and accountants to help them build a financial fortress so their wealth is protected from potential creditors, plaintiffs looking to sue and the government who may take away a big chunk of your wealth through a whole range of taxes that you may not have even heard about.
Visit the site now.
Click Here!
Link to newspapers
Click Here!
Adam Khoo beame a millionaire when he was 26. The following are his principles :
All Self-Made Millionaires Possess and Practice These 7 Essential Skills (And It's Easier Than You Think Once You Know How)...
Step 1: Adopt the Million-Dollar MindsetMillionaires see learning experiences, where Mister Ordinary sees failure. The moment you adopt the beliefs and habits of a millionaire, your perception of the world will change completely and you will realize that there are money-making opportunities everywhere and everyday around you.Amazingly, these are opportunities that you were once quite blind to!
Step 2: Set Clear Financial GoalsWealth never happens by chance. It always begins with a clear goal in mind. At one point of time in their life, millionaires always make a decision to become rich. However, whenever I ask most people what their financial goals are, I often get a blank stare. This is a major reason why they will never achieve any level of wealth because they have no clue what it is. Unless you have a specific figure to focus on, you will never be able to develop a strategy to achieve it.
Step 3: Create A Financial PlanOnce you have set specific financial targets of how much you want to earn and how much money you want to accumulate, you can then develop an effective plan to achieve it. Goals by themselves are nothing but pipe dreams. Only when you create a plan, have you made your goal a possibility. The moment you start taking action on your plan, your dream becomes a reality.
Step 4: Massively Increase Your IncomeAfter developing their financial plan, most people tend to become initially disheartened. They look at their plan and realize that with the amount they are earning and saving right now, it will be decades before they see any big money.It is therefore important that you learn how to accelerate and turbo-charge your financial plan by taking steps to massively increasing your income.
Step 5: Manage Your Money & Reduce ExpensesMany people think that by increasing their income, their wealth will automatically increase. Unfortunately, increasing income is only one side of the wealth equation. After all, there are people who earn $2,000 a month who are broke and there are those who earn $20,000 who are still broke. The reason is because when we don’t manage the money we earn, our expenses will always rise to our level of income, wiping out any surplus we have!
Step 6: Grow Your Money at Millionaire ReturnsBy increasing your income and reducing your expenses, you will find that you will be able to accumulate a surplus of funds that you can use to help you build your fortune. You need to do this because, no matter how hard you work and save, you will never be able to create phenomenal wealth unless you learn how to put your money to work for you. Through the power of compounding, you will be able to take small sums of money and build it into huge returns over time.
Step 7: Protect Your FortuneThere is no use working hard to build your personal fortune only to see it all taken away from you. There are many people who have taken decades to build their fortune only to see it wiped out by an accident, unforeseen illness or through an unexpected lawsuit. Self-made millionaires engage professionals like insurance advisors, lawyers and accountants to help them build a financial fortress so their wealth is protected from potential creditors, plaintiffs looking to sue and the government who may take away a big chunk of your wealth through a whole range of taxes that you may not have even heard about.
Visit the site now.
Click Here!
Link to newspapers
Click Here!
Wednesday, January 2, 2008
Project Cash
Smart ways to make money online Newly launched in 29 Nov 07 !
Also see link to AOL video on the top left of the blog
"Quick, easy and zero/low cost ways to make money online. Techniques that can be implemented in under 30 minutes. And yet earn them massive sums of money every day. These are techniques that no one talks about. Everyone guards them like a precious treasure".
Here's a quick rundown of the major benefits of the Project Quick Cash techniques:
All five techniques discussed in Project Quick Cash are easy and quick to implement. Each method can be put to work in 30-60 minutes.
You do not require any prior knowledge of Internet Marketing to use these techniques.
Most of the tricks can be implemented at zero cost.
You don't need technical skills to use Project Quick Cash. You will not have to design websites/landing pages or work with html, etc.
You will not have to work hard. Project Quick Cash is all about smart thinking. Remember - hard work is passe, smart thinking is in.
Here's a quick rundown of the major benefits of the Project Quick Cash techniques:
All five techniques discussed in Project Quick Cash are easy and quick to implement. Each method can be put to work in 30-60 minutes.
You do not require any prior knowledge of Internet Marketing to use these techniques.
Most of the tricks can be implemented at zero cost.
You don't need technical skills to use Project Quick Cash. You will not have to design websites/landing pages or work with html, etc.
You will not have to work hard. Project Quick Cash is all about smart thinking. Remember - hard work is passe, smart thinking is in.
Also see link to AOL video on the top left of the blog
Blogging to the Bank
Tips on earning money through blogging
Do you like to express your thoughts on your blog ?
Are you an experienced blogger ?
Why not make earn more income from it ?
Click Here!
Also see link to AOL video on the top left of the blog
Do you like to express your thoughts on your blog ?
Are you an experienced blogger ?
Why not make earn more income from it ?
Click Here!
Also see link to AOL video on the top left of the blog
Make Money Online Even When You Sleep - A Good Starter for Newbies
A turnkey system
Autopilot Profits is your own turnkey money machine that literally takes care of the process for you 24/7
- No need to create your own website
- No need to create your own products
- No need to write any sales copy and
- No customer service All in all, everything needed to set up the Autopilot Profits system is being taken of. .
The system also teaches you every pros and cons of marketing products online, from the marketing to the selling and closing of the sales of the product.
A great way to start for internet newbies.
Help yourself now.
Click Here!
Link to news
Click Here!
Autopilot Profits is your own turnkey money machine that literally takes care of the process for you 24/7
- No need to create your own website
- No need to create your own products
- No need to write any sales copy and
- No customer service All in all, everything needed to set up the Autopilot Profits system is being taken of. .
The system also teaches you every pros and cons of marketing products online, from the marketing to the selling and closing of the sales of the product.
A great way to start for internet newbies.
Help yourself now.
Click Here!
Link to news
Click Here!
Help Yourself
Help Yourself
Tired from working the long hours ?
Feel that you are being exploited from being an employee ?
With a minuscule pay package, do your debts seems to pile up ?
No money to spend on luxuries ?
Take charge of your life now. Help yourself.
Break away from the sad cycle.
Depending on how much effort you want to put in, you can be financially independent
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