newyorktimes~ Unlock Meteor's Secrets

ideas for life~ credit cards can be duped!! BEWARE

Housewife stuck with debts from credit cards she does not own - Nation | The Star Online

Tuesday March 26, 2013

Left in the lurch: Chan showing the police reports she lodged during the press conference as Chor looks on.

ALOR SETAR: A 34-year-old housewife’s venture into business has turned awry after she was asked to settle a RM9,000 debt from credit cards she does not own.

Chan Ai Khim alleged that she had been duped by a 36-year-old man, who claimed to be an agent that could help her secure a bank loan for a small business selling fashion accessories.

“I met him in 2010 through a friend. He claimed that he could help me obtain a bank loan of up to RM100,000, so I gave him photocopies of my identity card, income tax statement and business registration certificate.

“When I asked him about my loan application status months later, he assured me that it would be done. On March 5, I received a lawyer’s letter and bank statements stating that I owed them money,” she said at a press conference organised by Alor Setar MCA in Jalan Pegawai on Sunday.

The man’s outlet in Plaza Tunku Yaacob Complex had also closed down, said Chan.

“I could no longer get in touch with him. I lodged a police report on March 21,” she said.

MCA vice-president Datuk Seri Chor Chee Heung said he had received many complaints on such similar cases.

“Banks should impose tighter rules for credit card applications. I will ask her (Chan) to write an official letter to the relevant banks explaining the situation,” he said.

WOW ! Plants that help to REDUCE RADIATION in your room!!

1. Cactus

1. Cacti is the best in reducing radiation and bacteria.Cacti is very strong in eliminating bacteria. In tackling pollution, cacti is also great at reducing radiation. In addition, cacti absorbs carbon dioxide at night to release oxygen. Putting cacti in the room is helpful in sleeping and supplementing oxygen. 

Kitchen~ 5 Awesome Kitchen Cheats That Will Make Your Life Easier

http://www.youtube.com/user/eHow?feature=watch

quotation~ 5 most famous quotes by Bruce Lee

source

business~ financial tips for starting internet marketing

So, you are looking to open up your own small business, but are not well versed enough in Internet marketing to know the best financial practices? Internet marketing can be both a gift and a curse for small businesses. On one hand, for the inexperienced, marketing online can be a huge money-sink where small business budgets go to disappear, while chasing big aspirations. On the other hand, internet marketing can also provide small businesses with a cheap, yet effective way to advertise them and gain initial traction, so long as they know what they are doing. A few financial tips that you should take into consideration when beginning your internet marketing campaign include;

Advertise Where It’s Affordable for Your Business

The biggest mistake that many startups and small businesses make with internet marketing is choosing advertising that is well beyond their budget. Immediately jumping into paying for Google Adwords advertisements and other paid advertising sources can be beneficial, but may be above the budgets of some small businesses. If your budget is too small for paid advertising sources, look into free options such as classified advertisements and social media marketing to spread the word about your business.

Have A Marketing Budget Set Aside

Your marketing budget should not be included in the general expenses of your business. Try to set marketing funds aside from other business related funds so that you can properly plan the amount that you can afford to spend, without going over budget. Within the marketing budget, you can set aside funds for specific types of marketing or promotion, such as classified advertisements, Adwords campaigns, and Facebook advertisements. This allows you to set daily limits on each of your advertising accounts, and better analyze each of the marketing methods that you are utilizing, cutting out underperforming methods and ramping up those that are giving the largest return on investment.

Use Free Methods Where Available

Almost every small business is going to be working with a very limited budget in the beginning. While you should be looking to cut unnecessary costs wherever available, internet marketing provides you with a unique opportunity to make large scale cuts without a dramatic reduction in the effectiveness of your marketing campaign. Instead of paying for advertising, dedicating more time to promoting your business using the free sources that are available to you will allow you to dramatically cut advertising costs without having to sacrifice the positive impact that the advertising has had on your business. As your business grows and more funds can be dedicated to advertising, you can begin to add new advertising sources to your list. This allows you to grow your marketing spending only when your business can afford it, without taking on too much responsibility at once.

Immediate Impact vs. Brand Recognition

When deciding on the marketing avenues that your business will pursue, you also have to decide what the goals of your marketing budget are. Of course, every business has a goal to increase revenue and become more profitable. However, you also have to divide up your marketing dollars between short term and long term impact. Short term impact refers to sales, and immediate growth while long term impact refers to brand recognition and building a long term marketing strategy for your company.

Outsource Where Available

Many basic and repetitive internet marketing tasks can be done by just about anyone. These include submissions to directories, syndicating content across a variety of websites, and generally trying to get your link in front of as many people as possible. These tasks can be outsourced to individuals around the world that will demand much less money than your in-house employees would, and your employees would likely appreciate not having to do such repetitive tasks.

The Internet is a land of unlimited opportunity for a small business, but that does not mean that you do not have to be diligent, both in plan as well as execution. Know what you want your marketing to accomplish, and find the cheapest way to make it happen.

Read more at http://www.business2community.com/online-marketing/5-financial-tips-for-starting-internet-marketing-0346014#yJzd08OzSBVlXm9J.99 

Author: Stevie Clapton

health~ waking up tips 2

drink a cup water!
We should drink a cup of water when we woke up, WHY?
This is because that after sleeping for the whole night, we had been dehydrated during the long sleep, thus water intake is necessary every morning!

Besides, our stomach is empty after long sleep, if we take a cup of water as a first intake, it actually same concept as cleaning our stomach, besides, it also enable us to digest our breakfast easily!

Other than that, drinking water can makes you more energetic!!!


Lastly do not forget to put a cup of water or bottle beside your bed.

source : [In Mandarin]

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