imDavidLee Dot Com | Mr. Money’s Blog

Consequences of Never Paying Back PTPTN Loan

What action will be taken by government if did not payback PTPTN loan??

You’ll probably get banned from going oversea and unable to get any loan from bank in future. And, it will affect your next generations too.

Did you receive any letters chasing for the repayment? If you got and keep on ignoring those letters, their lawyer will send you one final reminder letter. The compound will be issued after you received the lawyer letter but still refuse to pay.

Interest rate is 3% only. Usually they start charging interest 6 months after graduation. They put it as administrative cost in the statement and they are actually charging it every month, which is depends on the loan balance. If you don’t pay now, the so-called administrative cost will keep on accumulating. So, finishing the payment as soon as possible will be better as it is compounded. Try to think mature; don’t let others immature behaviors affect you.

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Health Important Than Money ?

What is the connection between money and health? Many people probably making the best money of their career but spending little time for their health. What is the use of money if you don’t have great health? So, these are the thinking that may motivate you to make your own stand.

Always ask yourself…Would you like to be able to retire rich and healthy? If yes, then you should do something for your future. According to the recent survey, high living and high-pressure lifestyle will encourage someone to suffer more badly. In the other words, people who are rich is not as healthy as average person.

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Why Choose Jobstreet ?

If asked where to look for jobs, someone will surely say “JobStreet“. With its large network covering 9 countries like Malaysia, India, Singapore, Philippines, Indonesia, Bangladesh, Vietnam, Japan, Hong Kong, there’s no doubt that JobStreet has always been one of the ideal choices among job seekers and employers.

For me, it has higher accuracy match job. As a jobseeker the site speed is quite fast and they had dominating the market for years. But, the drawback is there got quite little request for interviews each month.

For JobsandMore, the job opportunities listing is still considered relatively little. Well, perhaps it is still new in the industry, probably it takes some time to be known.

JobStreet Vs JobsAndMore

In terms of physical layout, JobsAndMore doesn’t offer better sense because it cannot show own identity as jobs posting site. The job search mechanism seems not being focused and highlighted.

Furthermore, it doesn’t provide the facility of alert email subscription.

Make Money From Recycling

You can recycle all your unwanted items; this is to reduce the waste. Besides, don’t feel that those old unwanted items might be junk to you because it might be useful to someone else.

Make money taking care of the environment is the value of appreciation. Recycling newspapers is one way to get money without getting another job. You can have many ways to collect old newspapers. My ideas is you can try to write a sign and post it on notice board, have it say, “Free up space in your home, send me your unwanted newspapers!” Or go to coffee shops and ask for some.

“Reduce, Reuse, Recycle” should go without saying. Reducing the amount that we consume, and shifting our consumption to well-designed products and finding constructive uses for “waste” materials will become the next.

As a matter of fact, Zhang Yin, a 49-year-old paper recycler from China is the world’s richest self-made woman.

So, what are you waiting for? Faster take an action !!!

More Appreciate Self Made Wealthy

Is there really a secret to learn how to become rich, or is it just a matter of luck? In reality life, as we can see, there are lots of millionaires are often under educated. Education will only help you to earn a decent income, but it will not help you to build wealth.

For Nouveau Riche, they will have sizable assets. However, for people who have high income, they only can support a certain lifestyle. Anyone who can stay out of debt, save portion of their money and invest wisely then they will become wealthy over time.

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Secrets Of Monetizing Blog

Blogging should be for fun, else you’ll quit easily. The only thing that motivated me to have own blog is just to exchange my ideas and experience with other people with similar interest.

The toughest part is to get the traffic. A blog without reasonable readership will never generate any income. I guess high traffic is the crucial, so search engine optimisation is needed, do some marketing and promotion to increase your blog’s presence. There’s ton’s of ways to make money but if you do not have the rights tools, you’re just spinning your wheels.

I have global advertising ads on my site like AdSense, but rarely readers click on it. Many bloggers are likely to take advantage of such Advertising Programs to earn a profitable income. But Google has it own strict policies; it will ban people for invalid clicks, which is highly frustrating. I think it is best to do more research on other advertising media, like Bitvertiser, Adbrite, Chitika, Ebay Auction Ads etc to suit your needs.

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Will Google Combat Against Text Link Ads ?

Google Adsense is probably the largest advertising program on internet. However, I worried whether Google will take any concrete action on those who put Text Link ads and Google ads concurrently? Will page rank be affected? Or is it just a rumour?

Text Link Ads More Better?

TLA is not truly a Pay-Per-Click program because you will make money also even though people did not click on the ads. And, it’s not seem like Google ads as you can only use preset color and font. With TLA, you have greater control on how links to be displayed on your site.

Once people use your referral link to sign up and get accepted then you will earn money. It’s US$25. But with Google ads you need to wait and hope that your referrals will display the ads long enough then only can get the referral fee. How painfully slow !!!

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Advertiser Build Brand & Blogger Earn Money

Being in the online blogging industry, I’m always search for vary ways out to make money. One of the ones that I have recently spotted is called Clickbooth Affiliate Network. If you are looking for additional ways to make money online then this is a great opportunity for you.

ClickBooth is an Online CPA(Cost Per Auction) Advertising and Internet Affiliate Network that will beneficial all bloggers and advertisers equally. It provides biggest profit in the industry for publishers with high traffic and quality website.

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Buying Gold As Investment

Based on the forecast on long-term investment, the gold value will be getting higher. But it might turn another way round. Someone bought 7 years ago at MYR 39/gram but now more than MYR 95/gram.

If you look at the relationship between USD and Gold Price, it goes in opposite direction. As long as USD keeps dropping, the gold price will continue to rise. So if USD goes up in the future, the Gold Price will drop. Obviously, there is a currency risk. Nowadays, gold price very hard to predict since it’s going up and down as crazy as stock market.

Gold investment is always regarded as the best possible hedge against inflation but 1 distinct disadvantage is you don’t earn any interest from it.

Where Can Invest?

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