Bagaimana buat duit dengan program affiliate?

Menyertai program affialite boleh buat duit dari internet tanpa perlu memiliki produk sendiri dan tak perlu fikir untung rugi. Walaupun nampak mudah tapi sebenarnya nak dapatkan duit melalui program affiliate ini susah. Tetapi ianya akan menjadi semakin senang jika anda dah temui rentak yang sesuai dengan anda.

Faktor utama yang akan menentukan seseorang itu akan berjaya jana pendapatan melalui program affialite adalah pandai pemilihan produk dan cara promosi. Produk yang berkualita dan ditambah dengan teknik promosi yang berkesan akan menghasilkan jualan.

Jangan sesekali melakukan promosi secara spam. Ini akan merosakkan reputasi anda dan juga penjual. Akaun affilaite anda boleh diban jika anda melakukan spam.

Walaupun nampak asas tapi ini adalah langkah pertama dan penting untuk berjaya dalam program affiliate. Jika anda gagal menentukan produk dan teknik promosi, maka anda juga akan gagal untuk buat duit dari program affiliate.

Produk berkualit + teknik promosi berkesan = komisen yang lumayan

McAfee: The Internet Is Risky Business

It’s no secret that the Internet is rife with phishing and malware sites that look to prey upon unsuspecting web surfers. In a recent study, McAfee decided to take a geographical look at both the safest and riskiest places to surf the web.

McAfee’s report, Mapping the Mal Web, documents the results of their study and sheds some light on the riskiest domains across the globe. According to McAfee, the results revealed some surprising discrepancies in security across international domains. McAfee estimates that Internet users make more than 550 million clicks to risky Web sites on a monthly basis and that even relatively safe domains like Germany (.de) or the United Kingdom (.uk) account for millions of risky clicks.

“With this report, McAfee has created a guide book to the Web’s most dangerous top level domains,” said Mark Maxwell, Senior Product Manager, McAfee Consumer and Small Business.

“When it comes to safety, it turns out that the Web is no different than the physical world. There are safe neighborhoods and safe Web domains, and then there are places no one should ever visit.”

McAfee rated the sites on a coloring system, with green sites representing those that are free of any malicious content. Yellow sites contain nuisance such as popups and red sites are the worst of the lot, often containing spyware, viruses, exploits and other harmful content.

More on the grading system from the report:

4.1% of all sites tested by SiteAdvisor are rated red or yellow. But the incidence of red and yellow sites varies dramatically across top-level domains, ranging from a low of 0.1% for Finland (.fi) to a high of 10.1% for the tiny island of Tokelau (.tk). We find that Tokelauan domains, discussed later, offer some advantages to scammers.

“For administrators of top-level domains, this study should serve as a wake-up call. Clearly, some countries are getting it right. And the more risky top level domains now have the role models they need to improve,” added Maxwell.

“For consumers, this study is a stark reminder that they need help navigating the Web safely. Tools like McAfee SiteAdvisor give consumers the information they need, when they need it, to make safer Web decisions.”

Investment Definition

Definition 1

In finance, the purchase of a financial product or other item of value with an expectation of favorable future returns. In general terms, investment means the use money in the hope of making more money.

Definition 2

In business, the purchase by a producer of a physical good, such as durable equipment or inventory, in the hope of improving future business.

Rich vs Poor

1. Rich people believe: “I create my life.”
Poor people believe: “Life happens to me.” (This is HUGE. Every successful
person I know is control of her life. Unhappy people are constantly complaining
to me how this, that, or the other thing prevents them from doing something.)

2. Rich people play the money game to win.
Poor people play the money game to not lose.

3. Rich people are committed to being rich.
Poor people want to be rich.

4. Rich people think big.
Poor people think small.

5. Rich people focus on opportunities.
Poor people focus on obstacles.

6. Rich people admire other rich and successful people.
Poor people resent rich and successful people.

7. Rich people associate with positive, successful people.
Poor people associate with negative or unsuccessful people.

8. Rich people are willing to promote themselves and their value.
Poor people think negatively about selling and promotion.

9. Rich people are bigger than their problems.
Poor people are smaller than their problems.

10. Rich people are excellent receivers.
Poor people are poor receivers.

11. Rich people choose to get paid based on results.
Poor people choose to get paid based on time.

12. Rich people think “both”.
Poor people think “either/or”.

13. Rich people focus on their net worth.
Poor people focus on their working income.

14. Rich people manage their money well.
Poor people mismanage their money well.

15. Rich people have their money work hard for them.
Poor people work hard for their money.

16. Rich people act in spite of fear.
Poor people let fear stop them.

17. Rich people constantly learn and grow.
Poor people think they already know.

Tan Sri Mokhtar Al-Bukhary a True Entrepreneur

Tan Sri Mokhtar Al-Bukhary is one of the most prominent Malaysia entrepreneurs and is popular with his generosity and philanthropic deeds for the society. He is also known for his down-to-earth attitude, and a guy who as much as possible, avoids publicity, cameras and interviews, which at times can be an overwhelming task, considering his status quo as one of the 10 richest men in the country.

Much of Syed Mokhtar’s attitude is attributed with his parents’ upbringing since he was still a small kid. He was born into a mid-low class family in Kedah, with both his parents having average income background. Being nowhere near to living a wealthy life style did not stop his father and mother from instilling good values in raising their kid. Their home came without necessities, let alone luxuries. Syed Mokhtar himself never went beyond the secondary school, as the prevailing family condition forced him to quit schooling and help family by doing odd jobs and starting small scale businesses.

Syed Mokhtar started his real business in the southern Malaysia, selling and distributing rice. With the acquired knowledge and increase in his entrepreneurship skills, he later ventured into trading, logistics and shipping. His mother’s advice to treat part of the money he received as belonging to the poor and the needy remains at the core of his heart. True enough, when he was merely 23 years old, he gave away half of his monthly income of RM1,500 to the needy, donating it to 15 poor families in his village. He has never stopped giving since.

In 1996, Syed Mokhtar set up Al-Bukhary Foundation to assist the needy, with him as the sole donator. The foundation finances English, Science and Mathematics classes for more than 20,000 underachieving students every year, as well as running a college scholarship program for 300 students in more than 40 countries. Between 1996 and 2006, the Al-Bukhary Foundation has contributed about 1 billion for various charity causes.

The foundation also built the famous and gigantic Al-Bukhary mosque in Alor Setar, Kedah, adjacent to a business complex, which today becomes a prominent landmark in Kedah with its remarkable architecture.

In January 2008, Syed Mokhtar was honored as the recipient of the Tokoh Maal Hijrah 1429. And owing his success to his mother’s teachings, he decided to give the cash award of RM80,000 to his mother, Sharifah Rokiah Syed Mohamed Rahmat.

How to Become Rich?

If you want to become rich then you should really want to become rich. Sounds weird? No it isn’t but just ask yourself these questions, Do I have pictures of the future car and future house that I want to buy hung around everywhere in my house? Am I doing everything to increase my income? Am I doing my best or it’s just that I am indifferent?

Many people wish to become rich but they don’t “want” to become rich, if you “Want” to become rich
Then you should act in a way that supports this “Want” , sleeping less, working more, facing their fears, taking risks, sacrificing and challenging everything that appears in their way is what people who really want do in order to become rich.

Suppose you didn’t eat for three days how will be your need for food? What if you have to fight a beast to get the food? Will you do it? Of course you will, and this is exactly the spirit that you need if you want to become rich. Write it on the walls, make it your desktop background, mark it on your hand and carve it in your mind.

“I won’t rest Until I Become Rich, Else, I will Keep Trying Forever”

There are many ways to become rich, but many more to become poor. Of course it’s usually not easy and many quick methods involve a lot of risk. so take your time and follow these steps to build your wealth.

Note that people have different perceptions of what it means to be rich. In this article we will define rich as having a fortune higher than $1 million

Investment Planning

Good investment planning can turn your goals from dreams into realities. This planning involves more than trying to pick the “right” investments. How you allocate your money among different types of investments can have a greater effect on investment success than the individual investments you choose. So, your first step in investing toward your goals is to work out an asset allocation for your investments.

Asset Allocation

Very simply, asset allocation is the process of deciding what percentage of your money to put in the different investment classes: stocks, bonds, money market, and other investments, such as real estate. Your asset allocation will depend on your investment time frame, your savings goal, and how much risk you are willing to take to achieve that goal.

Diversification

After you decide on an asset allocation, the next step is to diversify your money within the different investment classes. By putting your money in numerous different investments, you spread the risk – rather than invest in one stock, you might invest in a variety of stocks. That way, if one stock performs poorly, it represents a smaller portion of your overall stock portfolio.

Before you can set an asset allocation and diversify your investments, though, you need to know more about the choices that are available.

1. Stocks

Investing in stocks gives you an ownership interest in the corporation issuing the stock. If the corporation does well, your investment should do well. If not, you could lose some (or all) of your money. The advantages of investing in stocks include the potential for higher returns over time than those offered by most other investments and returns that historically have outpaced inflation. Both of these advantages make stock investments an appropriate part of a portfolio designed to achieve long-term investment goals.

2. Bonds

Bonds and other fixed-income investments pay a set income over a set term. At the end of the term, the amount you have invested is returned to you. Fixed-income investments offer a steady income stream and historically less volatile price fluctuations than stock investments. But fixed-income investments aren’t without risk. Sometimes a bond issuer, for example, can run into financial difficulties, default on its bonds, and not be able to return the face amount of the bonds to investors.

Also, bond prices move up and down, largely in reaction to interest-rate swings. Thus, investors in bond mutual funds, as well as investors in individual bonds who don’t plan on holding them until maturity, face the possible risk of losing principal.

3. Money Market Investments

Like fixed-income investments, money market investments pay a defined income over a set term. (The income may be fixed or variable.) The advantage of money market investments is that many of them are backed by the Malaysian government, so return of your principal is practically guaranteed. This makes money market investments an attractive choice for investors with short-term goals. The major disadvantage of this investment class is that the investments historically have not produced returns much greater than the inflation rate.

4. Mutual Funds / Investment Linked Funds

Mutual funds or investment linked funds are one of the most popular ways to invest. With an investment fund, your money is pooled with that of other investors to purchase a variety of securities (stocks and/or bonds). The fund is professionally managed as a single investment account. Investment funds offer you automatic diversification because each fund invests in numerous different securities. When you buy units in a mutual fund, for example, you are actually buying an investment in the stocks of many different companies. If one company or industry has a problem, the fund will be less likely to suffer a major loss because it is diversified.

You can choose from various of stock, bond, balanced (stocks and bonds), and money market mutual funds. Each fund is managed toward a particular investment objective, such as growth, income, or asset preservation. The mutual fund’s prospectus will explain the fund’s investment objective and tell you what types of securities the fund can hold.

Investment Return

When choosing investments, potential return is a key consideration. The higher your return, the faster your investments will grow and the sooner you will reach your goal. But be aware that the annual percentage returns and yields you see published in ads, prospectuses, and articles don’t take into account inflation or taxes, two factors you need to consider in your investment planning. And the higher the potential returns also mean a higher investment risk.

Risk Tolerance

You also need to weigh an investment’s risk. Generally, the more risk involved with an investment, the higher its potential return. Consequently, the more risk you are willing to take, the more potential your savings have to grow over the long term. Before choosing an investment, you should make sure you understand the investment, the risk it carries, and how that risk relates to your investment goal.

For instance, if you are investing for your two-year-old child’s college education, you can probably afford to assume more risk in your investing than someone whose child will begin college in two or three years. With more than 15 years before you’ll need your money, you should have time to make up any short-term losses your investments may experience. Of course, there can be no assurance that any losses will be made up in a 15-year time period.

Short-term investments, such as money market funds, offer the least risk. Fixed-income investments offer potentially higher returns with added risk. Stock investments offer the highest potential returns with the greatest amount of risk. A combination of money market, fixed-income, and stock investments can provide potentially higher returns than either money market or fixed-income investments alone, with only slightly greater risk.

As you near your goal, your risk tolerance may drop and you may want to change your asset allocation. Protecting and preserving your savings might become more important. You may be willing to give up the growth potential of most of your long-term investments in favor of the greater security offered by short-term investments.

Modern Portfolio Theory

The above is part of the application of Modern Portfolio Theory, a sound method for many investors to establish a disciplined approach to investing.

When you put all this together, it’s entirely possible to build a portfolio that has much higher average return than the level of risk it contains. So when you build a diversified portfolio and spread out your investments by asset class, you’re really just managing risk and return.