Earning RM500 per month is not an easy task. It took me 15 months to achieve that. Some lucky bloggers take less time. However, most of the bloggers take longer approach. Are you the lucky one? If no, it’s time for you to learn how to earn money by blogging. Blogging is not just posting whatever you like. You cannot make much money this way. The approach that I took ~ search engine optimization (SEO). Be friend with search engines. They will bring lot of visitors to you then. Or write your blog creatively like one of the Malaysia famous bloggers ~ Kenny Sia.

I cannot write the way like Kenny. I don’t blog about my life. I write mostly in software, hardware, photography and mobile topics now. And talk about travel, food and drink sometimes. Of course, I do write some popular search engine keywords’ topics too (when I have the mood. Don’t purposely find popular keywords and blog).

Learning is the key. And do get your own domain like ’spblogger.com’ directly if you really want to make money online. A little bit investment is must. Don’t bother to use free blogspot or wordpress.com hosting then migrate. Get your own domain NOW!!! That’s the first step…


Last updated: 15/03/2010

via: Banking Info

Last updated: 11/03/2010

via: Banking Info

Last updated: 10/03/2010

via: Banking Info

There was a spike in traffic during January to March 2009 because I changed the Google Analytics code to header from footer (You can have more traffic this way because some visitors did not wait until your page to finish loading and left).

611,650 visits in year 2009 ~ 213.97% increased from year 2008. And broke 1 million pageviews ~ 1,029,483 pageviews (195.80% increased from year 2008).

Year 2010 will be a better year. And target to have more than 5000 daily visitors and Google PageRank 5 (PR4 at least, now still PR3). Okay, let’s fight for it.

Here is some coolest new stuff…

• Global undo/”trash” feature.
• Built-in image editor
• Batch plugin update and compatibility checking
• Easier video embeds

Get the full list of enhancements at WordPress blog.

Image via MaximumPC

So what is your thought? Intel is great on its CPU. And Nvidia on GPU. If they follow AMD and ATI’s footsteps, what will happen? You can see Intel CPU + Nvidia chipset + Nvidia GPU now. And Intel CPU + Nvidia GPU in one chip in the near future.

For me, I don’t care as long as both companies stock price go up.

Year    BLR     Readjust
2009    6.50%
2008    6.75%     6.50%
2007    6.75%
2006    6.00%
2005    6.00%
2004    6.00%
2003    6.50%
2002    6.50%
2001    6.75%
2000    6.75%
1999    8.00%
1998    10.50%   12.27%
1997    9.25%
1996    8.50%
1995    6.60%
1994    8.25%
1993    9.50%
1992    9.00%
1991    7.50%
1990    7.00%
1989    7.00%

Year 1998 BLR rate was the highest due to 1997-98 economy crisis. Almost all the South East Asia financial institutions were facing problem during that time. Luckily, it passed. Based on the current economy trend, the BLR rate will be higher in year 2010 and 2011 when economy is back on track.

Last updated: 21/04/2009

To buy lists
HTC HD2
Nikon D700 body
Nikon 50mm f/1.4 lens
Nikon SB900 flash
Nikon 12-24 f/2.8 lens
Nikon 70-200 f2.8 VR lens (II)?
Nikon 24-70 f2.8 lens?

To sell list
Canon EOS 400D
Canon 18-55 kit lens
Canon BG-E3
Canon 17-55 f/2.8 IS lens
Canon 50mm f1.4 lens
Canon 580EX II flash

Should I buy new SLR system by switching from Canon to Nikon? It is a very expensive investment…

I want to buy a new camera body from my existing Canon EOS 400D. It is just 1.6x crop body. Plan to buy a full frame body in near future. I have 2 options to choose. Canon EOS 7D which is also 1.6x crop but with better focus sensor and has video function. Or the Nikon D700 full frame body with no video ability. I don’t even think of Canon EOS 5D Mark II due to its poor focus sensor. It is almost as poor as Canon 400D ~ 9 points with 1 center cross type sensor. However, it is not a simple decision to change to Nikon because I have several lens like 18-55mm lens, 17-55mm f/2.8 IS lens, 50mm f/1.4 lens and 580EX II flash. I need to sell everything if jump ship to Nikon. But I really love the image quality of full frame body.

Looking around the web forum on buying and selling column lately. Most of the prices offer was low. Camera body price dropped the most due to new technology coming out. Luckily, the price of the lenses do not drop unless a replacement lens comes out. That is a long time because lens usually get replace in 10+ years time while body in 2 years. So better invest in lens more than body.

Guess what? I think that I have decided to stay with Canon for some times. I look at my lenses. They are so new. I am not willing to sell them off at low price. Hmm… Should I buy Canon 7D or Nikon D700?

By the way, after thinking and wondering for answer. I think that I better do this…

Focus on taking photo, not the camera and lens.

So how is the result? Well, not much traffic from this so call ‘Share it’. Therefore, I removed it immediately to save some layout space. Hmm… Why nobody want to share it? Can you tell me why?

There is lot of life insurance packages in the market. Some of them are investment, saving link. And some are just life insurance. And some include 36 critical illnesses coverage. Most of them will come with personal accident coverage too. However, which life insurance package is suitable?

Mutual Life Plus 2 Coverage
The Mutual Life Plus 2 is a term insurance policy which protect you against;
A. Group Term Life (GTL)
B. Group Personal Accident (GPA)
C. 36 Critical Illnesses

I selected Mutual Life Plus 2 from Public Mutual. It is an insurance package especially designed for unitholders of Public Mutual. I still remember that it only cost RM750 for RM200,000 life insurance package coverage when I signed up. The cost increased to RM950 the next 5 years. And RM1100 from now onward. It does not include any investment or saving on this package. Whatever you pay for this package will fully use for insurance. Therefore, you get higher coverage. That’s what I prefer.

On average investment link insurance package in the market, it is priced at RM1800 to RM2000 last 5 years (I did not do research lately, not sure what is pricing for it now). Anyway, I did not select investment link package due to low coverage @ RM50,000 only. Try to ask yourself. What can you do with RM50,000 nowadays? If you caught in an accident, can this RM50,000 manages to cover your life expenses when you are disabled? I don’t think so.

Which life insurance package do you own?

Only 1 USD = 3.32498 MYR. Come on. Bank Negara Malaysia Ringgit Foreign Exchange Rates shows 1 USD = 3.4050 MYR on 30 October 2009. Why PayPal exchange rate is so low? You will loss RM801 RM80.10 for 1000 USD-MYR conversion. That’s a lot!!!

Anyway, will check the exchange rate again next few days. See is there any improvement.

All the while, the only way to get PayPal funds out was using credit card or charge card. And there is USD 5 fee charges (RM20 now). But who want to withdraw to card when you can get it free (>RM400) or pay RM3 fee (<RM400) to local bank?

Traffic == Income

Yup. The more traffic that you get from your websites, the higher income you will get. I am on turbo mode early this month when ADSDAQ performed extremely well (for few days only) and turbo mode again this few days when Innity Performance Network is crazy also. Woo… I am a little bit tired but happy with the result.

JayceOoi.com weekly traffic from Nuffnang

Getting 5000 visitors per day is still a very far way to go. Maybe I set a too high target already. 3000 daily visitors should not be a problem on JayceOoi.com next birthday. Hmm… Need to work hard to reach there.

2 days left on October. On my daily checking on revenue (yup. I do daily checking on online income), October should be the highest income month so far. Nuffnang and Innity are fighting very strong. But Innity might not able to beat Nuffnang due to less CPM ads show already. And it still has RM100 to go. A very tough fight indeed. By the way, both of them beat ADSDAQ. Wow…

However, November is another story. Nuffnang don’t have much earning to bring over. Innity should win Nuffnang easily if performance is maintained. Innity == a bright new star? Yes, when I get the first payment.

Above was the letter that I got from PTPTN. Asking us to pay back the overdue loan payment. Some of my friends also getting this letter from PTPTN. Hmm… Don’t know how to pay back? No worry, just follow the guide ~ How to pay back PTPTN loan online? Be sure to pay it.

Cancel your credit card?

By the way, this is a special service tax. Even though you have a free for life credit card that you don’t need to pay annual fee, you still need to pay RM50 annual service tax to Malaysia government. (Refer here) Malaysia Prime Minister, Datuk Seri Najib Tun Razak said that RM50 for credit card not a big deal to Malaysians. And they are getting the extra RM1,000 tax relief. (refer here)

Does this RM1000 tax relief really help Malaysians? Lets do some calculations… For example, I have 2 banks’ credit cards (both MasterCard and VISA). (This is very common to all Malaysians, some have even more than 10 principal credit cards). So I need to pay 4 x RM50 credit card service tax, total == RM200. And I am in tax range of 13% which mean that I can only get RM130 back from RM1000 tax relief. In the end, I need to pay RM70 (RM200 – RM130) more back to Malaysia government. So who is benefit from this? Malaysia government or Malaysians?

For me, I am sure that I will cancel extra principal cards and supplementary cards to avoid paying more tax. Maybe reduce to 1 MasterCard and 1 VISA credit card. How about you?

Major fixes on WordPress 2.8.5

• A fix for the Trackback Denial-of-Service attack that is currently being seen.
• Removal of areas within the code where php code in variables was evaluated.
• Switched the file upload functionality to be whitelisted for all users including Admins.
• Retiring of the two importers of Tag data from old plugins.

What are you waiting for? Just use the automatic update to upgrade to WordPress 2.8.5.

Is your WordPress theme support threaded comments? If no, are you going to modify it to enable it?

Share It! It will definitely catch readers’ eyes. But will they help to share it out? That’s the question…

Will you help to share it?

I was not able to update my blogs during these times. Luckily, scheduled posting is being used on PrettyGirl2u.com. Else readers will be disappointed and might go away. But look at the bright side, the income still coming from these blogs. Thanks to organic sources like Google, Bing and Yahoo. All the popular old posts still bring the traffic and income. Therefore, blogging is a good passive income generator.

Besides, investing in stock market also bring good passive income. With high dividend yield stocks, you can relax and do almost nothing for the money to come. Of course, you need to invest quite a big amount in order to do so.

Back to the question. Do you have passive income?

Google PageRank

As at 7 October 2009
JayceOoi.com – Level 3
spBlogger.com – Level 2
PrettyGirl2u.com – Level 2
Forum.JayceOoi.com – Level 2

JayceOoi.com got Level 4 2 years back. But dropped to Level 3 and did not manage to climb back again. Anyway, Google PageRank is not everything. I still getting traffic from search engine like Google, Yahoo and Bing.

Well, I don’t intend to be like the photo above ~ changing from a fat to a slim and pretty girl. All I want to have a fresh mind and energetic body so that I can do more work and study. So do remember…

Eat Less… Exercise More…

Above picture was taken from original Japanese book (They translated to Chinese version as 时间投资法). It has interesting concept that separated all our tasks into 4 segments ~

1. important and urgent
2. not important but urgent
3. important not urgent
4. not important and not urgent.

The first segment is like working hour. While second segment is for task like traveling to work, make up before go to work. Third is the most important ~ studying, family fellowship, recharged and fitness. And lastly forth represents the tasks that we should do less ~ watch television, play games and wondering on Internet.

Here are the summary of time investment.

1. Reasons of time management is not working
   • There is no best way to time management
   • Hard to assess the effect of time management
2. Reasons of new actions cannot last
   • No motive for action
   • Time needed to make it as habit
   • Did not study failures
   • Copy exactly the practice of the experts
   • Hope for better but no action taken
3. 5 principles of golden time
   • Don’t hesitate to invest anywhere in order to create time
   • Pay attention on the outcome of certain time like hourly pay rate
   • Don’t simply be ‘Mr nice guy’
   • Priority to do what you like first, good in and tasks that bring income
   • Plan stuffs accordingly, put some buffer
4. 5 ways to increase golden time
   • Pay attention to current problems
   • Drop / skip unnecessary tasks
   • Assign tasks to others
   • Improve the effectiveness of must do tasks
   • Do what you plan, write what you do

Be sure to get a copy of this wonderful book. You will gain more time by reading it.