Win a Free Ad Spot, Blog Review and Text Link!

Check this easy to enter blog contest I just discover.

Sly from Slyvisions.com is currently having an awesome blog contest! The contest is very easy to enter and win. What you have to do is just review Slyvisions.com and the contest, or get 2 entry by donating $5. What's the reward? A free 125x125 ad spot, a free review, and a link on his blogroll!

So, why wait? Deadline is at 11:59 PM, Friday, October 19, 2007. Click here to enter

Bloggers Unite: Stop ABUSE

As we all know today, 27 Sept 2007 is a Bloggers Unite day and the motto for today is Stop ABUSE!

The definitions of abuse are:-

a·buse /v. əˈbyuz; n. əˈbyus/ Pronunciation Key - Show Spelled Pronunciation[v. uh-byooz; n. uh-byoos] Pronunciation Key - Show IPA Pronunciation verb, a·bused, a·bus·ing, noun
–verb (used with object)

1. to use wrongly or improperly; misuse: to abuse one's authority.


2. to treat in a harmful, injurious, or offensive way: to abuse a horse; to abuse one's eyesight.


3. to speak insultingly, harshly, and unjustly to or about; revile; malign.


4. to commit sexual assault upon.


5. Obsolete. to deceive or mislead. –noun


6. wrong or improper use; misuse: the abuse of privileges.


7. harshly or coarsely insulting language: The officer heaped abuse on his men.


8. bad or improper treatment; maltreatment: The child was subjected to cruel abuse.


9. a corrupt or improper practice or custom: the abuses of a totalitarian regime.


10. rape or sexual assault.


11. Obsolete. deception. —Idiom


12. abuse oneself, to masturbate.

Source: Dictionary.com

In todays world there are lots af abuse taking place i.e., child abuse, environmental abuse, internet abuse, etc. I woould put aside environmental abuse as that topic will take place on the coming Blog Action Day (15 Oct 2007). Today I would like to touch a bit on child abuse.

There are lots of cases related to child abuse. Child abuse happens in all cultural, ethnic, and income groups. Child abuse can be physical, emotional - verbal, sexual or through neglect. Abuse may cause serious injury to the child and may even result in death.

No matter which type of abuse a child is caught into, it could impact the child future. So, this should be stopped any how. To stop this everybody in the communities need to stay alert and report if they found or suspect a child is abused. In most of the cases a child was abused by his/her immediate family or people they know without the abuser realise it.

To overcome this, the communities should be alert by providing counselling or awareness program. By doing so, we hope that we will be more sensitive on the issue and child abuse could be reduced or stopped. STOP ABUSE!!!

FOREX Signal

One of the tools that could help you in FOREX trading is by using FOREX signal as guide to enter the market. There are lots of FOREX signal out there and one that I am using now is FOREX signal provided by Mystery Signal. This signal was introduced in July 2007 by its founder for the first time in Nogold & Carigold forum.

The founder claim that the signal is 99% accurate and like most signals, this signal is not valid if there are news. Ooopppsss!!! News (or in Malay it called Berita) that I mentioned here is big news that could impact the currency value of a country, i.e. News of a prime minister step down.

Today I would like to share my FOREX trade result (Demo Account only... Hehehehe... But at least it works) using signal provided by Mystery Signal. The signal provided is for five currency pair and today is the first time I place an order for all 5. The result is amazing because all five order activated and touch the TP (take profit) set. Below is the screen shot of the said account (using meta 4 platform):-

As you can see, all TP was set at 30pips to 40pips. What I could say is, if this is a real account I could make almost USD1K today... Alhamdulillah...

I recommend that try it yourself, it is free for now. More info? Click here

2 to 3 columns blogger template

How are you today? It's a sunny Sunday morning here in Puchong.

At the time I'm typing this post I just successfully transform my 2 columns blog to 3 columns. Thanks to Ramani for the step provided in his blog. It have been a few days since I decided to change the look on my blog. I have try a few other steps I found on the net but seems Ramani's one is working well for me.

Below is actually what I changed /add: -

1. Defining a new wrapper with the name newsidebar-wrapper (duplicate the existing sidebar-wrapper and change the float area)
   
   /* Outer-Wrapper
   ----------------------------------------------- */
   #outer-wrapper {
   width: 1200px;
   margin:0 auto;
   padding:10px;
   text-align:left;
   font: $bodyfont;
   }
   
   #main-wrapper {
   width: 760px;
   float: left;
   margin-left: 10px;
   word-wrap: break-word;
   overflow: hidden;
   }
   
   #sidebar-wrapper {
   width: 210px;
   float: right;
   word-wrap: break-word;
   overflow: hidden;
   }
   
   #newsidebar-wrapper {
   width: 210px;
   float: left;
   word-wrap: break-word;
   overflow: hidden;
   }
   


2. Add the newsidebar to the body part before the main wrapper

* Sorry guys, can't figure out how to put the HTML code to this posting...

Thats all I did and now I have a 3 comlumns blog with Blogger. I don't think it's difficult as I'm not a computer programmer, I'm an accountant in profession. All you needs is some reading, searching and trial in error.

To those who always dream to have a 3 columns blog with blogger, try it. It is easy as long as you know ABC.

Refer and Earn up to $1,000.00 USD

ay be its new to me but not you as I just discovered it. Now you can earn up to USD1,000 by just referring a new PayPal merchants.

What is PayPal?

PayPal is an account-based system that lets anyone with an email address securely send and receive online payments from anywhere or in the convenience of your own house. With PayPal, you can shop online securely and conveniently using your debit or credit card, bank account or PayPal balance – all without sharing your financial details with the seller.

PayPal is the most popular way to electronically pay for eBay auctions and it is becoming a cheap way for merchants to accept credit cards on their on-line storefronts instead of using a traditional payment gateway.

How do I make money with the Merchant Referral Bonus Program?

Each time a new merchant signs up for a PayPal Business or Premier account via the link or banner that you provide, you'll be eligible for a Merchant Referral Bonus. Your referral bonus is tied to the amount the merchant receives via PayPal Website Payment Tools or Send Money.

You will immediately start earning 0.5% of the new merchant's revenue — up to $1,000.00 USD — for the first 12 months that the merchant has his PayPal account.

Note: The Merchant Referral Bonus program is designed to reward referrals of non-eBay merchants. As a result, payments received for eBay items will not contribute toward the Merchant Referral Bonus.

Don't have a PayPal account? It is free, sign up now

Blog Action Day

I was browsing throuh Syed Shahrul blog and found out one interesting topic on his post on 15 Sept 2007. It is on Blog Action Day. What is Blog Action Day?

Basically it is about to save our environment. On October 15th, 2007, bloggers around the web will unite to put a single important issue on everyone’s mind - the environment. Every blogger will post about the environment in their own way and relating to their own topic. The aim is to get everyone talking towards a better future.

Blog Action Day is about MASS participation. That means we need you! Here are 3 ways to participate:

1. Post on your blog relating to the environment on Blog Action Day
2. Donate your day’s earnings to an environmental charity
3. Promote Blog Action Day around the web

Getting involved is easy! It doesn’t take much, but our combined efforts will have a big impact. Whatever you choose to do, we'd appreciate it if you'd register your blog so we can keep track.

Guide to FOREX trading

Salam & hi to you... Thank you for visiting.

Today I would like to share a website that I found it useful to me. The website name is FOREX Guide. In the website, you could find a few topic on FOREX trading like "Ways to learn FOREX trading". In the site you could find also links to other site discussing about FOREX.

Thats all for today, hope the FOREX Guide site is useful and helpful for those newbie to FOREX like myself.

Till then, happy reading.

FOREX Terms you need to know

First of all, I would like to wish HAPPY 71st BIRTHDAY to my dad, Tuan Haji Ab Rashid bin Wahid. "Semoga dimurahkan rezeki, dipanjangkan umur dan diberikan kesihatan oleh Allah". Thank you for everything. I love you "Ayah".

It has been few days since my last posting. All because I am out of town and there is no internet connection at my parent house in Seremban. Yes, I could bring along my ZTE wireless broadband modem along but could only get GPRS connection there. GPRS connection for me is worst than a dial-up. Ok, that is another story. Today I would like to share a few FOREX online trading terms (words) that might be useful.

• Base currency - the first currency in the currency pair against which the Customer buys or sells the quote currency


• Quote currency - the second currency in the currency pair which can be bought or sold by the Customer for the base currency


• Currency pair - the object of transaction based on the change in the value of one currency against the other


• Leverage - is a ratio in respect of transaction size and margin, i.e. 1:100 ratio means that in order to make a deal the required amount on the trading account is hundred times less than transaction size


• Lot - an abstract notion of the number of shares, base currency, or other underlying asset in the trading platform


• Order - Customer instruction to the Dealer to open or close a position when the price reaches order's level


• Dealer - Broker's employee who processes Customer instructions, executes orders and stop out


• Market opening - the time when the market opens after weekends, holidays or trading sessions time gaps


• Pending order - Customer's instruction to the Dealer to open a position once the price has reached the level of the order


• Floating profit/loss - unrecorded profit/loss on open positions at the current prices


• Point / pips - the numerical value of the last, or right-most, digit of a quote


• Free margin - funds on the trading account, which may be used to open a position. It is calculated as equity less necessary margin


• Spread - the difference Ask and Bid prices


• Trading platform - programs and technical facilities which provide information of trading on the financial markets in real time, allowing to make transactions, define all mutual obligations between the Customer and the Dealer, as well as compliance of all terms and conditions


• Ask - the higher price in the quote. The price a Customer may buy at


• Bid - the lower price in the quote. The price a Customer may sell at


• Equity - balance + floating profit - floating loss

The important of all is Broker. Before we could start trading online FOREX, we need to identify with which broker we want to have our account with. For me, the criterias to look for a broker are the ways to deposit/withdraw our money, reputation and what the broker could give me in return. Any comments?

When can I trade FOREX?

Today I just want to share on the opening time of FOREX market. It is one of the important thing you need to know to trade FOREX.

FOREX market is open 24 hours a day. So that traders could trade anytime in a day. Be it day or night. One could choose the suitable time for them to trade. But, always keep in mind that our suitable time not necessarily the best time to enter the market.

The best time to trade is always during the market is most active and has the biggest volume to trades. More active currency moves will create a good chance to catch the trade and make profit. If the market is slow, it will take more time. In other words it will be wasting of time. So, to make most profit you need to enter the market during the market is active.

Normally, the market will be active if there are two market are open at one time (overlaps). Below are the FOREX trading hours for 4 markets:-

• New York: 0800hrs to 1700hrs EST
• Tokyo: 1900hrs to 0400hrs EST
• Sydney: 1700hrs to 0200hrs EST
• London: 0300hrs to 1200 hrs EST

From the opening and closing time we could see that the market will overlap with one & another as follows:-

• New York & London from 0800hrs to 1200hrs EST
• Sydney & Tokyo from 1900hrs to 0200hrs EST
• London & Tokyo from 0300hrs to 0400hrs EST

It is a good time to trade the currency pair during its overlapping hours as it is the time where the highest volume of trades take place as both currency are being trade actively. This is the good time for you to make more profit.

For more info on the FOREX market hours click here

Hopefully this info could help you determine the best time to earn more in FOREX trading.

Note: EST = Eastern Standard Time

Source: Forex Market Hours

Welcome Ramadhan 1428 Hijrah

Tomorrow will be the 1st day of Ramadhan for Muslims in Malaysia. Ramadhan is one of the holy month in the Islamic calendar. In the month of Ramadhan Muslims are required to fast from dawn (Fajr) till dusk (Maghrib) besides other good thing.

In Ramadhan there is this special prayer called Tarawih that is done after 'isyak. It is not a must but is good to do it. There is also a special night (Lailatul Qadr) that could not be found in other months. It is a night that is better than thousand nights.

Thats a little bit about Ramadhan. Hopefully we will get Allah's blessing in this holy month.

Today is the last day of Sya'aban and also last day of Double Z in MIMOS (refer yesterday's posting). Yes, my guess is right. There are more touching scenes this evening. Hehehe... Will upload some pics one I downloaded them from the camera.

Guess thats all for today, need to go to sleep as it's almost 11.30pm now. Will have to wake up early around 4.30am to eat some food to prepare for fasting. Don't think it's a problem for me as I have been fasting since age 7. :)

Till then, good nite. Wassalam.

A tribute to double Z

Just came back from a farewell dinner organised by my department for our colleagues, Zarina & Zuleya at Krathong Restaurant, Bandar Tasik Selatan, Kuala Lumpur. Their last day as my colleage is on Wednesday 12 Sept 2007 (30 Sya'aban 1428H), a day before all Muslims in Malaysia will start a month of fasting (Ramadhan). So, expected more touching scene to take place around 5.30pm after the office hours.

For info, Krathong is a Thai restaurant serving Thai dishes.

Zarina is an Accountant resign to do her Master in the UK. She will depart to UK on this coming Sunday morning around 2.00am. Zuleya (PA to our General Manager) will continue her journey for a better carreer.

Especially to Zarina, do not forget this Malay saying, "Hujan emas di negara orang, hujan batu di Malaysia (translation: Gold rain in foreign country, stone rain in Malaysia)... Don't ever forget our country.

The dinner started around 6.30pm where all of us having our early dinner, Thai Style. With rice, Tom Yam, fried prawn (I dunno the right name for it), mango "kerabu", Kailan ikan masin, etc as the main dish and fruit as the desert. The food is ok only for me, not the best Thai restaurant in town. Sorry as I dunno the English name for the dishes. Hehehe... Need to improve more I guess.

Finish our dinner around 7.30pm and all of us go for our Maghrib prayer at the prayer room provided. Continue with farewell speech by the Finance General Manager (Zuleya's boss) and Finance Manager (Zarina's immediate superior) around 8.30pm . Not to forget speech by "Double Z". Quite touching I would say. Finally, souvenir presentation to both by Fnance GM. We left the restaurant around 9.00pm before gather again in the office for the last time tomorrow. Will post some pics once I got them downloaded.

I would like to dedicate the song below for both of them:-

BERTEMU DAN BERPISAH

(short Malay version of Auld Lang Syne)

Bertemu dan berpisah adalah adat manusia biasa

Hilang di mata di hati janganlah lupa

Berdoalah kita agar aman dan sentosa

Semoga kita berjumpa di lain masa...

All the best to both of you, Zarina & Zuleya... May Allah bless us. Do keep in touch.

Me, myself & my family.

Alhamdulillah, just finished my dinner with my family. Even it's just an ordinary Malay dishes, the feeling is very nice as I have my dinner together with my family. Oh yeah! May be I could write a bit about my family.

There are 5 of us, my wife, 2 sons, 1 daughter and myself. I'm working in the Finance Department of a R&D company in Malaysia located in Technology Park Malaysia. I was born in Seremban, Negeri Sembilan 16 years after Malaysia achieve its Independence.


My wife , just celebrate her 30th birthday and our 8 years anniversary in August, 4 days before the 50years of independence celebration. She is a fulltime housewife. I like it this way as whenever I am out to work I know that my children are at home and growing up with their own mother. Hehehe... She is working in a semiconductor company in Jitra before we got married.

My eldest son (7 years old) was delivered at Pusat Rawatan Mahsuri, Bandar Darulaman, Kedah. He is in his 1st year (standard 1) in SK Puchong Jaya 2 (about 3-4kms from our house). Each individual in Malaysia will go to primary school at the age of 7 and to secondary school at age of 13. During the primary school we need to sit for a examination in the 6th year, called "Ujian Penilaian Sekolah Rendah (UPSR)".

In secondary school, there are 2 exams, one in the 3rd year called "Penilaian Menengah Rendah (PMR)" and in the 5th year called "Sijil Pelajaran Malaysia (SPM)". After the SPM, based on the results we could choose either to go for another 2 years in secondary school and take another exam called "Sijil Tinggi Persekolahan Malaysia (STPM)" or join the matriculation class or A Level (to get ready for university) or directly to Diploma level in any of the universities that have the course.

Ooopppsss! Sorry, too much on the Malaysia educational story. Back to my children. My 2nd son is 4 years old and will be attending the pre-school next year, insyaallah. The only princess in our family (for now :)) will be 3 years in this coming November. Both of them were born at Pusat Rawatan Az-Zahrah, Bandar Baru Bangi, Selangor.

Thats all on my family for now. Till then, wassalam... May Allah be with us.

Rule of 72

The photo on the right is taken by me. It is a tree in front of my house. I think it is indirectly connected with the posting tittle. It could represent a Malay saying, "Sikit-sikit, lama-lama jadi bukit". The meaning is start small and when times goes on it could get bigger.

Received an email from Mr Basheer about Rule of 72 through a Yahoogroup I joined.

Before that, let look at what Albert Einstein called Compond Interest - "The most powerful force in the universe".

The rule of 72 is an interesting formula used in the financial world. It is something to do with the above caption and is widely used in order to determine either the impact of inflation rate and compounding interest returns. Below are some example on how we could apply the rule in our daily life.

Scenario 1:
A burger cost MYR1.50. Say the inflation rate is going steady at 5% yearly on the ingredients that make up the burger, how much time it would take for the same burger to cost MYR3.00?

72/(interest rate) = Number of years
72/5 = 14.4 years

Scenario 2
You currently have USD500,000. You could like to double your money in the next 10 years to USD1,000,000. So, with Rule of 72, we can figure out what kind of investment vehicle is going to help you reach that million dollar goal.

72/(interest rate) = 10 years
Interest rate = 72/10
Interest rate = 7.2%

There you go, you will need an investment vehicle that could give you up to 7.2% interest rate to double your money in 10 years time.

Normally, this would mean putting those in a lower risk fixed income like mutual fund or a dividend yielding mutual fund. There's no way you could get such interest rate with the current fixed deposit rate.

It's amazing how much benefits you could derive from this simple formula.

Source: Meshio.com

Rule of 72 & FOREX

The Rule of 72 could also be used in FOREX trading. By using the Rule of 72 formula we could calculate how long it takes to double our investment in FOREX trading.

Example:
You have USD5,000 in January, at 12% interest rate per month.

72/12 = 6 months
So, by June you will have USD10,000 and so on. Refer to the table on the left.

Note: The table could be useful if you use hedging method in forex trading.

Source: Simpleforex

It's weekend again...

It's Saturday again. Saturday is a rest day for me and most Malaysians since few years back. We got 2 days a week to relax, cleaning house, do whatever we want and of course to spend time with our beloved family.

As for me, woke up as usual, have my breakfast and do some house cleaning a.k.a exercise (2 in 1, hehehe... Better than nothing). After everything is done, its time for me to go online. So, here I'm updating my 3 days old blog and do some surfing...

Since I'm into FOREX now, I guess I will share something about FOREX. Do correct me if my postings not right as I'm in the learning stage in FOREX. By doing this we could share and learn together.

For start, will talk on the basic of FOREX from my understanding from readings, class & discussion.

What Is FOREX?
FOREX is short form for foreign exchange (or in Malay "Pertukaran Matawang Asing). The FOREX or Foreign Exchange market is the largest financial market in the world, with an volume of more than $1.5 trillion daily, dealing in currencies. Unlike other financial markets, the FOREX market has no physical location, no central exchange. It operates through an electronic network of banks, corporations and individuals trading one currency for another. One could say FOREX is a business. In trading FOREX one could be in profit or loss.

"Any type of financial instrument that is used to make payments between countries is considered foreign exchange. The list of instruments includes electronic transactions, paper currency, checks, and signed, written orders called bills of exchange. Large-scale currency trading, with minimums of $1 million, is also considered foreign exchange and can be handled as spot price transactions, forward contract transactions, or swap contracts. ..." - Dictionary of Financial terms

There are 2 ways we could be involved in FOREX trading. Either the traditional way (offline) or the most popular way now, online (internet). In todays world, with internet more and more retail traders (individuals) are getting involve in FOREX trading. Indivuals are a small fraction of this market and may only participate indirectly through brokers or banks.

More info could be found here

Got to go now, its time for lunch. Till then, wassalam...

Another important day for Malaysian

Salam & a very good morning....

Today, Friday Sept 7, 2007 another important day for Malaysian. At 4pm today Budget Speech 2008 by our Hon. Minister of Finance (also Malaysia Prime Mimister) will take place at Malaysia House of Parliament. So, stay tune...

Update on the budget speech could be found at The Star homepage.

Life go on... My journey to SUCCESS continue

Assalamu'alaikum & hi to all...

Congratulation to Malaysia for the 50th years of independence on 31 August 2007. Merdeka! Merdeka! Merdeka! With that spirit, I am on my way to my own Financial Freedom. My journey continue...

First of all I would like to thank everyone that visited this newly created blog of mine. It has been almost a year since my last blog posting in my previous blog before I change my mind and decide to create this brand new blog. Why? During my absence in the blogging world I think that writing blog is waste of my time but now I realize that blogging could bring up the spirit in us and one of motivation (either by reading others blogs or my own blogs).

Besides sharing (no matter what) in blogging we could also make money. Who taught me? No other than my biz partner & friend in MLM (PD Kamarul). Thanks bro.

Do allow me to write a little on what I did during my 345 days of absence. Actually that time I'm still around but busy with http://www.bli2u.biz/.

After 6 month getting involved seriously in Multi-Level Marketing (MLM) and Smart Naco (that is the probation time that I set for myself in Smart Naco) I start looking for other MLM opportunities as in my mind MLM is one easy way to earn money. I still think it is but you must be committed & focus.

Smart Naco products & plan are good but I don't think it's my luck or may be I'm not focus. But I really appreaciate those PRICELESS experience & thought given by Smart Success Team (SST).

Then I get to know Bestlife (I, so called the pioneer in the company), but this time the change in Bestlife management make the member have to wait for long time the new & revised plan being introduced. I can't wait and decide to move on.

In early 2007 I met a so called leader from an Italian owned company based in Singapore(Telme) that would like to extend their business in Asia by choosing Malaysia as the hub. The company claim that they have the advanced VOIP technology. One again, as one of the leader in Malaysia I learn how to make presentation in front of big audience and few more important thing in MLM like how to master and read the marketing plan. All these are very good exposure for me, but one again the delay & excuse given by the company so called representative make all the members looking for something else.

At that time few of us from Telme move to BCN2U with its new introduced product, BCN-019. It's good with great plan. So far so good. Still a BCN member till today but they are going to introduce new plan. Till this moment I'm still waiting for it.

At the same time I was introduced to FREEDOMROCKS (FR) by a friend of my partner in Internet Investment/HYIP. Yes, I did involved in those during I'm with TELME until Malaysia Government annouced those scheme are illegal and I make my move to join BCN. Don't want to remember the sad time for most of us here.

Since the day I join FR, I fall in love with FOREX as from my search & reading on the topic FOREX could bring me to SUCCESS in my journey for FINANCIAL FREEDOM. At first, the reason I join FR is because it is MLM. Hehehe... I also do consult a friend who involved in FOREX. One of the guy is Asri. From him I got to know Kelas Forex. There are few more that I know from friend & online like Zul, Hirman, EvilGenius, eforex, Cikgu Norizan, Aduka, Aru, etc. Thanks guys.

Just now, around 6.30pm (after work) I went to Jom Bali2 at Carrefour Subang to meet Asri as he said he got a new opportunity to share with me. A very interesting discussion with him & his partner (Joe) & a very good opportunity that most of individual waiting for, I guess. But, that's another story... Will write about it next time as need to wake up early to work tomorrow to end the week for NFP tomorrow. Will try my best to update this blog frequently.

Hope for SUCCESS, may our Creator bless us.

Till next post, good nite.