My Oyster 123

Yesterday, I got an opportunity to write and made USD 10 or around RM 30 for about 200 words. That was easy considering I crap a lot and yet can make money. Now I am going to crap even more and it is easier this way - not only that people love to read craps and keep coming back for more. And you believe me when I said I made USD 10? Well, that is up to you to believe or not. Otherwise, there is nothing to blog about. Haha! Do you believe me when I tell you that I made USD 15k from Adsense? Again that is up to you to believe or not. Now I have to pluck out the hair on my arm pits and dig my nose! It is not roll and throw but roll and wash! You know what I mean.

I have some cash in Fixed Deposits, Bonds and Savings Account. Not only I love money, but who doesn't? Nobody in their right sense of mind will work for free and you need to bring back food to the table for your family. People even rob, cheat, steal and kill for money! That is how desperate some people are to make quick cash. We read of many people being conned of their hard earned savings to con men who use the internet, handphone and all the gadgets to reach their potential victims. Hence, to earn money is not easy, but to spend it is like drinking water every day. We need to be mindful of what we spend on and come out with our expenditure list to check that we don't overspend more than what we earn.

I only blog on a part time basis and not glued to blogging all the time. I have a full time job you know. And I get to work from a home office, enjoy perks like occasional travels now and then and earn by commissions. Sometimes my commissions are more than my basic salary. Suffice to say, I can live comfortably as long as I am working and that is why I need to save up for my retirement for them to be golden years ahead and not woeful one where some people have to beg in the streets. I work alone at home, no more obnoxious colleagues and I have a very understanding boss. And I thank God for my blessings now.

Guest post written by Alex Brown

Things in Idaho have been pretty easygoing for the past few months. Last month we had a chance to take a plane trip all the way to Shelton, Connecticut to go have Christmas with my brother's family and my parents. That was a great time for everyone. Around New Years, we had a local party with some of our friends. We grilled inside with a george forman grill, drank punch and watched the celebrations in New York on the television. Now that the holidays are way behind us, it's been a lot of staying inside and watching the television after a hard day's work.

On the weekends, I've started to get back to the housework. Fixing things up in the winter isn't too much fun, but I've received some help from the Iapwai sears home improvement team along the way. Pretty soon the housework will be done and perhaps I can finally start to pursue some more recreational activities. My wife and I would really like to sign up for a cardio-kickboxing class...why not improve our health, too?

Finally my account at Churpchurp has reached $100.65 and I clicked on cash out now - which means that a cheque is on its way next month. There is a $1.00 deduction for admin fee, leaving me with $99.65. It took me a few years to reach this target, but still it is online money from the internet. My hobby is blogging and you might have guessed by now. It is good that I am able to turn my hobby into earning some extra pocket money from the internet. If you are patient and diligent, it is possible to earn cash from your hard work.

Just because I have 6 blogs, some copycat no brainer obnoxious colleague also bought 10 personal domain blogs to compete with me. You know who you are! Well, making money online is not everyone's cup of tea. Many tried and gave up. If you continue, it is merely a hobby to voice your thoughts. You might be better off working outside and keep job hopping no matter how bad it is than to try to earn online. And if you do earn, it will most likely be pennies and cents, not enough to buy a cup of Starbucks coffee. So, in the meantime, keep stalking this blog of mine!

If you have disposable income and savings in the bank, it is better to invest in properties than to park your money in Fixed Deposits or put in the savings account. Using the rule of 72, if the inflation rate is 4% per year, then it takes 72/4 equals 18 years for your money to become half its value. Prices keep increasing and the cost of living keeps rising due to inflation. Hence, it is better to invest in properties to get rental income and to get capital appreciation as time goes on.

For instance, if you buy a property for $160,000.00 and rent it out for $800 a month, your returns would be 6% compared to putting it in the Fixed Deposit for only 2.75%. Just my 2 cents.