Friday, December 11, 2009

Flat rate or Reducing balance?

People always ask whether to get a flat rate or reducing balance for personal loan. Below is my analysis and make your own decision.

comparison:


1.RM10k, 2.5%/year flat rate=RM250 interest, each month pay RM854.17



2.RM10k, 1.5%/month reducing balance, each month also pay RM850, interest?

Jan-interest RM150 based on 10000k balance

February- RM137.25 based on 9150 balance



I don't even need to calculate until march you see and the interest is already RM287.25

This is not exactly rocket science people, hello!!!

Unless you can pay off all your loan in lump sum in 1 or 2 months, you know what you can choose

Saturday, October 31, 2009

Looking for side income? Here, Take a look

Payment proof
Used few months, find a lot of down-lines to get this










Requirements
1) You can surf web
2) Spend 10 minutes everyday in clicking the advertisements
3) Remember to put kei18kun in the referrer slot since I'm sharing out such good thing

Procedures
1) Apply a Paypal account, go to -> https://www.paypal.com/my/cgi-bin/webscr?cm...&locale.x=en_US
Choose Registration -> Choose your country > Personal Type Account
Email address will be used in logging in, after applied you will need it to log in your Paypal Account, this will be used in applying UpBux, InovaBux ... etc
After submitting it they will show you that you need to verify your Paypal account
Skip this,ignore this first, in the end of this post i will tell you why

2) Click on all below banners & go through the registration steps
UpBux,InovaBux, PalmBux ... etc

3) Example, click below links to register first
http://www.upbux.com/r?r=kei18kun
http://www.arclicks.com/track/kei18kun
http://inovabux.com/register.php/kei18kun.html (There are more than 10 extra below, take a look if you have interest in)

Fill up details
Username: Your logging ID
Password: Your logging Password
Confirm Password: Confirm your password
Primary Email: Your email-box
AlertPay Email: Your logging ID for AlertPay, It's just the same like Paypal, you can go to apply it if you want; If you don't, just put the same as Paypal one & choose paypal to cash out in the future
PayPal Email: Your Paypal Email
Referrer: Kuan5485

Click Register!

*Some sites might need to activate your account through email, check your junk box if it didn't show up
After registration; To earn, you just need to remember that click those advertisements in the site everyday[/color][/size]
(You will get $0.01 for each advertisement for most sites; Your down-line will get such pay too)
But if you have down-line, you will get 50% from each of their click which mean if they click 1 advertisement, you get $0.01*50%=$0.005
Today you click, tomorrow you can get the bonus from your referrals' click tomorrow ( which mean 1st date of your registration you can't earn from your referrals

4) After registration, log in your account, you will see your account info after that
Click on View Advertisement/ Surf Advertisement/ Surf Ads and you will see some available advertisements for you to view
Click one of them first,there will have a small point/circle/star; CLICK IT
A new page will be shown & just follow the necessary steps
Most of them will ask you to surf for 15-30 seconds & click some button after that ( To credit $ for your work )
Once you have seen $ xxx have been added to your account, you can close it & click next advertisement
Finish all advertisement one by one

* Please remember to click advertisements everyday
If you don't, you won't earn any, even your referrals did click

There are more sites other than the 3 shown above
Tips:
The more sites you do, the more you earn;
The more down-line you got, the more you can earn


How we EARN?
Calculation: (Let's take UpBux as an example,$0.01/$0.005 (Self/Downline) per advertisement - Standard Member)

One month 30days, click 4 advertisement everyday
You earn $0.01 * 4 advs * 30 days = $1.20
You can earn $1.20 from Upbux every month
If you have 20 direct referrals (DR, you will get 50%)
All of them click 4 advertisement everyday too
From DR, you earn $0.01 * 4 advs * 30 days * 20 DR *50% = $12
Now you will earn $12+1.2 = $13.20 every month

Think about it if you have more referrals & you do more sites
What will be the side income you earn other than your proper job

============================================================

Paypal Credit Card Verification
Paypal is a web payment, can say it as a web Bank
When you request cashout from those PTC sites, you will need it for them to transfer the fund to you
If you want to withdraw your $ in Paypal to Ringgit Malaysia, you will need a credit card/debit card for verification
This account will be used when you want to withdraw your $ to your local bank account
For Malaysian, Paypal will charge $5 per withdraw<$500 So this is not so important when you begin to do this 'job' As you will need some time to earn enough to cover that $5 Or you may choose to leave your $ in Paypal, no interest but they won't charge you too For Malaysia, Maybank,Public Bank Debit Card can be used in verification You can do it alone, WHY?
Don't forget there have Hybux, pinebux, palmbux,bux-7ven,linxsense ... ...
If you join UpBux only
After 50 days you will reach $0.04 * 50 = $ 2.00, at this moment you can request cashout
If you do 10 sites (upbux,inovabux ... ... ) it will be $2.00 * 10 = $20.00!
That's why you can do it alone
You may invest $ into those sites but i don't recommend it; Since we're just looking for side income
What i think is, you better earn from them, use the $ you earn & invest, so you won't lose anything, except daily 10 minutes

Any doubts? Feel free to contact me

Below links link to all Paid To Click sites

Kindly fill in kei18kun in the referrer slot
How much per advertisements, how much you earn from direct referrals, all can be found in
1) FAQ / Term Of Service/ Privacy Policy
2) Login-> Purchase Upgrade
3) Forum-> News & Announcement


2) UpBux - Min. cast-out: $2 + 80 clicks
user posted image
http://www.upbux.com/r?r=kei18kun

3) InovaBux - Min. cash-out $3
Click picture advertisement
user posted image
http://inovabux.com/register.php/kei18kun.html

4) PalmBux - Min. cash-out $2+50clicks
https://www.palmbux.com/register.php/kei18kun.html

5) HyBux - Min. cash-out $5
http://www.hybux.com/?r=kei18kun

6) SvBux -Min. cash-out $3
http://www.svbux.com/?r=kei18kun

8) Bux-7ven - Min. cash-out $1,2,5,7,10
user posted image
http://bux-7ven.com/register.php/kei18kun.html

9) LinkSense - Min. cash-out $3
http://www.linxsense.com/?re=6B656931386B756E

10) WorkBux - Min. cash-out $5
http://www.workbux.com/?flyingspaghettimonster=kei18kun

11) BuxBeHere -Min. cash-out $2
user posted image
http://www.buxbehere.com/?flyingspaghettimonster=kei18kun

12) StockBux - Min. cash-out $3
http://www.stockbux.com/register.php?flyin...onster=kei18kun

13) ArClicks -Min. cash-out $3
user posted image
http://www.arclicks.com/track/kei18kun/

14) AstroBux -Min. cash-out $2
user posted image
http://www.astrobux.com/register.php?flyingspaghettimonster=kei18kun

15) NatureBux - Min. cash-out $3
http://www.naturebux.com/register.php/kei18kun.html

16) MuxBux - Min. cash-out $3
http://www.muxbux.com/?flyingspaghettimonster=kei18kun

17) GratisBux - Min. cash-out $3+25 clicks
http://www.gratisbux.com/register.php/kei18kun.html

18) BuxCeo - Min. cash-out $3
http://www.buxceo.com/?flyingspaghettimonster=kei18kun

19) BuxXL - Min. cash-out $5
http://www.buxxl.com/register.php/kei18kun.html

20) WaveBux - Min. cash-out $2
http://wavebux.com/?flyingspaghettimonster=kei18kun

21) RenadBux - Min. cash-out $6
user posted image
http://www.renadbux.com/?ref=kei18kun

==============================

Recommended Site
1. SVbux
2. Linxsense
3. Upbux
4. Inovabux
5. Stockbux
6. Arclicks
No.1,2 better for now

Lie/Unrecommended SiteR

1. Paradiseclicks - Won't pay, already investigated (29/10/09)
2. Ptcnew - Website closed (29/10/09)
3. Combux - Website closed (29/10/09)
4. Honeybux - Website closed (29/10/09)
5. Viennabux - There have people complaining about it(29/10/09)
6. BuxMarley - Chineses need upgrade for cashout, not worth (29/10/09)
7. Buximo - Interface looks like scammer (29/10/09)
8. Hybux - Gonna scam (30/10/09)
9. Pinebux - Sitemaster gone (30/10/09)
10. Workbux - Website closed (30/10/09)