Archive for December, 2008

The Bank

Tuesday, December 23rd, 2008

Bank..the purpose of its creation in the early days is to put your money safely, as far as I know. From time to time when bank seeing money being put into their safe will soon go out as that is not bank money, they think how to make use of it. By using the people money to invest in many things and get billion of billion of money. Bankers got rich easily without using their own capital, using only hundred of people savings account. I think they got more than what they give us in yearly interest, maybe triple the amount. Maybe they got billion of dollars, but we get the 3% interest at our saving account. We don’t know exactly what their return of investment as our proposed is only for saving not to invest.

But people don’t really think about it as they just want put the money in the bank. They also will be afraid if they know that their money is being used for high risk investment because of the risk of loosing it. Unless you put your money maybe in Forex or fixed deposit that you must really want to know the return. Since generally we don’t think about what banks do with our money, it is not an issue if bank is doing big profit out of it. What really unfair now is how bank charge the customer with many fees even for the slightest one. This is a new way of bank making extra money.

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Chinese Bamboo Network Secret

Tuesday, December 23rd, 2008

Here in Malaysia, when we talk about business, we will think about the Chinese. Although here is Malay dominant country, the business segment are dominated by the Chinese entrepreneur.  Business seem to be like their culture and it make their number one choice of employment. From good business to dark market business.  You can find the Chinese in it.  Some say if the Chinese closed all their shop then the economy will be paralyzed until no food to eat.  For example Sugar Tycoon the Malaysian Robert Kuok nickname the “Sugar King of Asia”. Now ranks 97 on The World’s Billionaires 2008 by Forbes. That’s for the sugar we consume everyday.

If we  investigate carefully, we can find the Chinese everywhere. We can’t find the African or the Caucasian that reside almost everywhere in the world. But for the Chinese, they reside and build a business community at that particular Country. So what makes their motivation for business is very high? Or it just for the sake of to survive at foreign country when there are not much left at their homeland China? Are this is because of their Gung Ho or Kung Fu Spirit?

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Busy Day what’s your breakfast?

Friday, December 19th, 2008

On a normal busy day what is you breakfast? Mine is this:-

All fresh from the Seven E behind my office. The nutritious homesoy drink, a high protein cheese bun and a mini cheese crackers for extra calories but no trans fat!. I can skip lunch just with these 3..hahah.

Read this:-

Breakfast of Champions

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porn vs politics

Friday, December 19th, 2008

I can see one similarity at people who surf porn site and politics base website. The use of nick name. People that use to browse those 2 subjects are tend to hide their identity. People hide their identity from porn site because by visiting a porn site they will be mark as a bad person. People also tend to hide their identity when browsing certain forum or giving a feedback in political base website. Why? Maybe because they don’t want to be recognize as a rebel or supporting the specified party or the political figure.

Political website and porn website are among the top place for people to go for daily surfing . This two subject are hot and some countries  there are political site are being block including the porn site. Our country in the past, we could see many political base website being banned by the government, the newest is Malaysia Today. Now we can get every politicians in Malaysia want to have their own website especially blog. This move is because to balance the attack from the opposition party that has using the Internet more early and massively. Some of the political base blog also been sued million by certain party and one of them is Malaysian famous blogger rocky’bru.

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Rich man and Minister son will be ok…

Wednesday, December 17th, 2008

Robert Kiyosaki quote that :

My Rich dad Said:

” The poor middle class work hard for their money,
The rich have their money work hard for them”

As a middle class, we are force to work 8 hours a day to survive. Yes we can live without work, instead just grow vegetables and breed a chicken at the back of your home for you daily meal. But to survive in this current system, we must work to earn cash to to buy the vegetables and chicken instead to grow and breed them. Work as a staff at a company then we can get a pay slip. With the pay slip we can get a loan from bank to buy other bigger item like cars and houses.

So what about the man or the owner or the boss that we work with? Of course the man is rich and cay pay us to work. We as a staff must think to get the job done and please the boss. In order to please the boss, to get the job done is still not enough. You must follow the rules created by this man and give our respect. The rule is plain simple

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Power Vantage…

Monday, December 15th, 2008



Old man says in the midst of economic crisis, we better save than spend. So I decided to open a new saving account to take the opportunity from this slow economy.Am I right? My saving choice is monthly basis deduct from my monthly salaries. I don’t have big lump sum money to invest in fix deposit or mutual fund. Although I have other saving account like the one from the National Bank that I get when I was 8 years old in government saving children saving campaign, it’s just like a normal saving account. I want that more like Investment type, I am a grown up anyway ahah.

So I just go to HSBC to find out what they had.Why HSBC? Because I have all the local bank pass book. I want to be International. Who don’t know HSBC globally right? An International bank must be have more financial abilities to crate higher return…I guess . After talking with the Bank Personnel, It more like a personal touch by the Manager of the unit name Danny. Quit a young age but his card written – Manager.

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To all the graduates unemployed…

Sunday, December 14th, 2008

Don’t get a girlfriend yet…try to be single till you get a better job. Girls these days are not like your mothers day. Unemployed graduates are like a global phenomenon now. Some have not find any suitable work for as long as 2 years and keep on draining house food. Girlfriend is rank the lowest in terms of must do list for the unemployed grads.

Why ? Oh common it will make you more depress to find work and adding more cost to you. At least you must go out dating once a week and give her a good nite SMS everyday. Just be single and you will be free as a democratic country. No fuss..no rush, you can do everything you want, it will not bothering you either if don’t get a better job another 1 year ahead. Ahh…Common don’t tell that you want to get married this early.

Forget girls for a while, being a graduate and unemployed is the best moment of all time. No debt, no bank loans, no credit card and not important to the entire planet. No one will chase you. When you start to work, all the dark side of being an executive will start flowing into your life. Then your name will be on the National Debtor list, available at all banks.

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$1.00 a day with Google Adsense…

Saturday, December 13th, 2008

If your type google Adsense on Google, they will be thousand of article about it. Most of it will tell you about tips and tricks to squeeze more money from this Google advertising system. There are also many minisite that sell e-book and confess they can get hundred of dollars by just using Adsense – $5000,$15000 and $30000. A figure that you can’t imagine how they get it. Try buy most of the e-books maybe it can enlighten you. I have no money to buy it although it says “Only $97 but worth $2000 of infos!”

I have applying the Google Adsense System for about a year, and I can confess it will make an average $1.00 a day. That is what I can get for now and does not seem to be increasing. This is my screen capture of my Adsense daily revenue:-

Look at my overall revenue till now, present time as this blog is written = $147.71. It takes about 5 month to get this figure with $1.00 a day revenue. Not much and can’t make a living but at the end of the year, I can cover my domain and web hosting cost. That is okay for me. Better something than nothing…


I have this book too! (more…)

Love your daughter …someday they will…

Saturday, December 13th, 2008

Tales from the Dad Side: Misadventures in Fatherhood

Leave you and go out with their boyfriend. Maybe boyfriends, who knows what is your daughter potential. I have a daughter – 2 years and 7 month old. Now she is so pampered and want to follow you everywhere. As I have no experience on having a teenage or adult daughter, I can understand what will happen 15 years from now. This come from personal experience and observations.

Many of my friends have a grown up daughter. They always said to me that they will control their daughter movement even the SMS messages. One of my friend caught his daughter red handed when studying together with a boy of her age too close. Even worse he find some romantic SMS messages in her mobile phone. He is very piss off, confiscate her daughter mobile phone,broke the sim card (why don’t broke the phone? hahaha) and grounded her at home. He will personally pick up her daughter at school. Her daughter is only 14.

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Amazon Shipment…

Friday, December 12th, 2008


Just about 2 weeks from U.S to Malaysia..not to long
My books from Amazon has arrived, I buy book from Joel Comm and one  book called the crystal bible. The book from Joel Comm is The Adsense Secret. I think everyone know what is Adsense. Everyone that use Internet must know Google and for that they will know all google products including Adsense. Many people around the globe are imagining to sit at home at waiting for money from Google. They say it’s a home base business. That’s what they think. So my Joel Comm book purchase seem to be rational, what about the Crystal Bible from Judy Hall?

U.S regular postal service is the cheapest option…u can chose Fedex also but it aint cheap…
Okay like this, I am not buying from Amazon using credit card but I am using Amazon gift certificate. So my gift certificate credit is about $70USD. As the shipping cost is much less the same if I buy 2 book so I just randomly pick up this Crystal Bible book. After checkout from Amazon than I regret, but never mind it just a gift certificate.

Register at associates.amazon.com to sell any of Amazon products…
How do I get the gift certificate? No..no one ever gift me the Amazon gift card, I just get it from Amazon by selling their products at my website. It’s hard to get money from Amazon. In 6 month I just got about $70USD. With that little amount I just choose to accept payment by gift certificate and I can buy something from Amazon.

Not enough to make a living…
Tips for getting the $70USD from Amazon? No tips, just put and wait. Anyway don’t ask a tip from a person who manage to get only $70USD within 6 month, its more luck than SEO hahaha.

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Buy a book by millionaire writer to be a millionaire?

Monday, December 8th, 2008


Self made millionaire these day have a lot of time to write a book. If they don’t, some one will write a book for them, an autobiography for example. The rest usually will tell their story from the humble beginning until they made their first million. They will write what business their in, the failure that they get when climbing the ladder, tips to be like them, their wealth (cars they had, house, private jet) so we have the envy to be rich people and words about their upcoming books.

Some brave enough to state how many month it takes to get richer by reading their books. Like ‘How to get richer in 3 month’. In this Internet era, we can found hundreds of book claiming they are millionaire by utilizing opportunity that Internet have. Some get richer and richer when their books are becoming best seller. But I don’t know how many percent from the readers globally, reading a books by millionaire can be a millionaire like them. Some have a full book case at their room from this millionaire writer from Robert Kiyosaki, Donald Trump, Bil Gates, Irfan Khairi, Joel Comm and many more, but still their accounts not reaching near 7 figure.

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Wannabe a Pro Blogger with a million hit? Forget cheap hosting

Thursday, December 4th, 2008

Dear Me: A Blogger's TaleDear Me: A Blogger’s Tale

Nowadays everybody want a piece of the Internet by writing a blog. It is also because it is easy and the simplest way. Many free blog host are available. Blogspot is the famous hang out for global bloggers.  Then trying to impress friends by using a unique domain name. You will looked like a pro by using own domain and web hosting.  This phenomena will create business for the web hosting company. As many bloggers will come from teenage group or college students, they will focus for  cheap web hosting package . There are some company also sell a web hosting package for bloggers. When buying a package like this, you will get your domain name, and a tiny winy space for you at the net. Maybe 3 to 5 giga of storage space.

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A Projector Hand Phone?

Wednesday, December 3rd, 2008


Imagine you can show of all your video clip or you family picture from your hand phone in a form of a 29′ inch television. From where? Directly from your hand phone. Yes a Hand Phone that capable to project an image like a projector. I found it at Alibaba.com while just browsing for products. You know Alibaba.com? A phenomenal wholesale portal for products from China right now. You can search just any products you can imagine at this trade portal.

I am surprise that such technology that are available here in my country Malaysia such as mobile phone with TV, a gps receiver, a netbook by popular brand here actually have the same look with the one at Alibaba.com. Just at the trade portal, all the items are not being brand and will put into branding according to customer order. Imagine you also can put your brand into it, your own laptop brand. Please order from China.

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Tumor

Tuesday, December 2nd, 2008

Yesterday one guy at my neighborhood confirm to have a heart tumor and the doc said he’s live would not last for long. Of course the doc did not said about the not live long story directly at him but at his wife. As the wife ask when the doc advice her to take her husband home and pray:-

“Since my husband disease is at critical stage, so is that any food my husband should eat?”

“Other than regular medication, you husband can eat anything he want, if 10 years ago

yes you husband should eat healthily, now is to late, just eat anything while can…..”

Some said that the doctor should not said something demotivated like that and must encourage the patient family to live healthy as usual because life and death belong to god. As we can still breath there is still a hope. Maybe the doctor is trying to be frank and the person is the 10th patient who ask him the same question.

Now that guy is on kimo and on regular dose of medication, he still not reach the age of 40. He also a non smoker. So non smoker out there better watch out as tumor also can attack a non smoker. For the record, my grand father live till the age of 75 as an heavy smoker. Asthma just don’t stop him from smoking. An average 3 box of Dunhill a day.

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About Me

I’m Khirul Hafiz, Father of 2. Spend about 6-7 hour per day in front of the PC. Why not write a blog? Yes, than I thought what to write…And come to the conclusion that why bother what people will read just write because idea and thought will be no limits, just write. More

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