“Spend your money wisely”. Yes… We really need to use our hard earn money wisely. Else you will end up using all the money very fast. Why do I have this kind of feeling? Hmm… I want to buy lot of stuffs like new mobile phone, new SLR camera lately. Trying to spend the money that I earn from stock market lately. I do have financial planning but earning from stock market is not included in the spending plan yet. But I have decided to include it in starting next year. Therefore, I need to buy whatever I like before end of year.
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… 
Hmm…. Photography topic should be posted at JayceOoi.com but I want to put it here. Why? It deals with money.
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.
Should I borrow money to invest in stock market? Actually, the concept is the same as borrow money to buy car or house. Just that car and house is a must for our daily life and not stock. Most of us cannot afford to buy car and house in cash. And need to borrow from bank with interest changes. Same apply to share margin financing. With proper finance management, borrow money to invest in stock market does bring more revenue.
I am using Public Bank Online Share Trading with Share Margin Financing account. The minimum amount to borrow is RM50k (last time is RM100k) and with BLR – 1.8% (around 3.8% based on current BLR) per annum interest rate. Public Bank will borrow you 1.5X money based on what you have in that account ~ cash or stock value. For example, if you have RM100k cash there, you can borrow up to RM150k margin to invest. So total up as RM250k. Same apply to stock value. However, the stock value is determined by bank and not the market value. Some of the stocks do not have such value and bank does not want to take risk to lend you too much money. And if you are not able to pay back the loan, bank can force sell your stock.
Choosing the correct stock to invest is important. You don’t want to invest on a stock have only 2% dividends and without any capital gain at all. Then you need to pay 3.8% to bank. End up you are losing money at 1.8%. So make sure you pick the high dividend yield stock to invest.
Timing is another factor. With economy getting better and in the recovery road, having more money to invest is a nice move. You can easily earn more than 100% during this time. Why? Most of the stocks are undervalue and at a very attractive price. Some stocks can even go up to 300%. Therefore, you can earn a lot more with this extra money.
Borrow money == Make more money
Yes! My Internet income broke RM 2,000 level finally. Although it is just a spike that cannot maintain, but I am happy with it. Google AdSense was the only one that brought less revenue. CPM Ads did help a lot when traffic increased. Nuffnang and Innity fought very hard and ended Nuffnang won the game in October after loss in September. “Nuffnang vs Innity”, which one will be the winner in the end?
Internet income report for October 2009
Google AdSense – US$ 224.47 (RM 764.32)
Nuffnang – US$ 160.76 (RM 547.42)
Innity – US$ 157.46 (RM 536.18)
ADSDAQ – US$ 117.04 (RM 398.52)
Infolinks – US$ 45.28 (RM 154.17)
Grand Total: US$ 705.01 (RM 2400.61)
Innity Performance Network is a bright star (when I get the payment. It delayed September payment. Else I should get it by now. Hopefully, it won’t happen on October payment as well). No payment (or delay payment) makes me thinking of Advertlets. Advertlets is still not paying bloggers nowadays. And getting payment from Advertlets is a tough task. You need to write blog post to ask for your payment like I did. Else you will end up getting nothing.
Remember… More traffic will bring more revenue.
Welcome Innity Performance Network to the advertising family. Innity bought very good revenue last month. A detail review will be coming up. Besides Innity, all the other advertising networks’ revenue increased except Google AdSense due to I replaced some Google AdSense ad placements with Innity. Anyway, last month was the highest earning month ever.
Internet income report for September 2009
Google AdSense – US$ 190.22 (RM 649.69)
ADSDAQ – US$ 89.15 (RM 304.56)
Innity – US$ 84.99 (RM 290.30)
Nuffnang – US$ 73.36 (RM 250.59)
Infolinks – US$ 31.94 (RM 109.09)
Grand Total: US$ 469.66 (RM 1604.23)
Focus on getting more traffic not revenue. This is what I always say lately. Yup, it is true. More traffic will bring more revenue.
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