There was a little bump on the stock market. There are financial issues at China, Europe and even US. Most of the world stock market had been up a lot since March 2009.

DOW last 1 year performance

FBM KLCI last 1 year performance

Lately bump caused most of the index erased previous months gain. DOW back to 10,000 level after dropped 7% from peak. And FBM KLCI was below 1250 after dropped 4.6% from highest point. Shanghai Composite Index dropped 9.7%…

DOW past 3 months performance

FBM KLCI past 3 months performance

And finally the stock that I use to monitor ~ Tanjong PLC. It is still above SMA 50. But going to break it soon if all the stock index still going down.

Tanjong PLC past 3 months performance

Back to the question… Is stock market going up or down? Or a far more correction is coming? Hmm… That’s the question that I cannot answer. Look like the stock market is going for side way. Riding the roller coaster.

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Hmm… Reading an article from CNNMoney about ~ The dollar’s slump is good news for corporate earnings. Is this correct?

Well, with lower dollar value, sales do increase as I will buy more stuff online from US too. Hey, it is cheaper. I bought my Garmin Nuvi 200W when USD 1 = RM 3.16. That’s really cheap indeed. But on the other hand, the labor cost on other countries will be higher for those multi national companies. They need to pay more when convert USD to local currency. Therefore, operating cost will be higher.

Can the sales revenue overcome the operating cost? That’s the question…

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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?

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Yes! Google AdSense broke USD 250 level. Another historical record high of USD 251.86. I like this kind of income source ~ passive income. All you need to do is writing article on your blogs, you can schedule the posts too. No time constraint like office work from 0800 to 1730. However, not everyone can make money online. Time is needed and the correct way of doing so is the most important. You will end up with nothing if you don’t know the correct path and waste lot of energy.

Internet income report for July 2009

Google AdSense – US$ 251.86 (RM 878.61)
ADSDAQ – US$ 59.58 (RM 207.84)
Nuffnang – US$ 32.87 (RM 114.68)
Infolinks – US$ 18.96 (RM 66.14)

Grand Total: US$ 363.27 (RM 1267.27)

Only the strong will survive. Every advertising company earning is increasing. But Nuffnang earning does not match to increasing traffic. I am thinking of dumping Nuffnang from the list. And will use existing Nuffnang ad placements (top header, before comment and sidebar) for direct advertiser. These locations are good and should bring more income to me if I sell them directly. What do you think?

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I got the best Malaysia bank to deposit US cheque rate from LowYat website.

Hong Leong Bank:
RM50 + RM10 (courier) + USD75 (Citibank Delaware)

Maybank::
RM25 + USD10 0.1% of the cheque (min: RM25.00, max: RM100). USD15 + unknown charge from the overseas bank

Public Bank:
0.1% of cheque amount (min: RM20, max: RM100) Postage: RM5 Stamp duty: RM0.15

HSBC:
RM11

EON Bank:
RM10

CIMB:
0.1% charge (min: RM5, max: RM100) Postage: RM5 Stamp duty: RM0.15
Note: You can deposit your check to the home branch only. But, you can mail your check to your BCB account’s home branch for bank-in.

RHB:
Postage: RM5.00 Stamp Duty: RM0.15 Commission: 0.1% of your cheque amount (minimum RM 10.00 and maximum RM 100.00)

Standard Chartered Bank:
0.01% of cheque amount OR min RM 50.

Bank Muamalat:
RM5

Alliance Bank:
~RM70

Southern Bank:
RM30 + RM0.15 stamp duty.

Some of the process fees are cheap while some are very expensive. I have 3 bank account from the list above, Public Bank, Maybank and HSBC. Among 3 of them, HSBC processing fee is the cheapest ~ RM11. Why do I need to find the cheapest rate? I have a USD 20.63 cheque to clear. And I don’t want to waste the money for bank fee.

I bank in the US cheque in HSBC. It took exactly 1 month to clear the cheque. And charged RM 11.65 as processing fee. Hmm… I still prefer Western Union or PayPal payment. It is lot faster and easier. No need to show up at bank to get the payment. And no processing fee also…

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