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

• 9 Comments

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.

• 17 Comments

Hey, pay back your PTPTN loan now. Don’t ever delay any payment. PTPTN don’t have much fund left. It needs your money to lend to others. Hurry up and pay back!!!

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.

• 7 Comments

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.

• 12 Comments

Hmm… Before I started to write this post. I felt that this month earning will be less than previous month. Why? Because of Google AdSense. Google AdSense provides most of the Internet income. It dropped US$ 30 from previous highest level due to keywords pay rate was down. However, most of the other income sources increase. Make money online? Yes, I was busy with online stock trading lately. The earning is way better than these below but you need to take the risk when stock market goes down…

Internet income report for August 2009

Google AdSense – US$ 221.87 (RM 775.10)
ADSDAQ – US$ 62.26 (RM 217.50)
Nuffnang – US$ 42.86 (RM 148.48)
Infolinks – US$ 24.92 (RM 87.05)

Grand Total: US$ 351.91 (RM 1228.13)

I tried Innity Performance Network last month. Was not happy with the 2 weeks earning and support response. So I took the code down. After that, I received some ad campaign emails from Innity Media. Therefore, I put back the code back on 31 August. By the time I wrote, I discovered that the Innity backup ad function is not working. Hmm… Are you using Innity Performance Network? Do you face the same issue as I do?

• 8 Comments