KAZEY JOURNAL

It’s a lot easier to gain—and keep—wealth by building it at a measured pace. Here are some simple ways of doing so.

American society is more cutthroat than ever, and it takes not only great skill and smarts to get ahead, but often a willingness to cut corners, says David Callahan, a PhD and author of The Cheating Culture. “How do you get rich slow when you need $600,000 to buy an entry-level house in Westchester?” asks Callahan.


The truth is it’s a lot easier to get rich—and stay rich—today by going it slow rather than latching onto a get-rich-quick scheme. Best-seller lists are clogged with books that explain in great detail how to Start Late, Finish Rich, or become The Millionaire Next Door. But much of the advice boils down to some pretty simple rules to live by. Here are five steps to slowly gaining the kind of financial security most people only dream of:


1. Live below your means


It’s easier said than done when 75% of the U.S. economy is based on consumer spending and when both cultural norms and easy credit terms encourage people to buy what they want, observes Peter Cohan, an author and investor in Marlborough, Mass. But living below your means is the way to avoid unnecessary debt. Christopher Zook, chairman of CAZ Investments in Houston, recommends borrowing money only to purchase a home or fund your education.


Rule 1 also means saving a portion of your earnings. Here’s an easy way to make that happen: Simply set up an automatic investing program with a mutual-fund company so that a cut of your paycheck—let’s say 10%—is socked away each month. The key is to make it happen automatically, advises author David Bach, whose list of bestsellers includes The Automatic Millionaire.

Shares of Google, the popular search-engine company, surpassed the $300 level for the first time on Monday, sparking memories of the dot-com stock craze of the late 1990s.

Google (Research) gained 2.3 percent to finish at $304.10, slightly below its high for the day of $304.30. The stock has now gained nearly 260 percent since it went public last August at $85 a share.

Much of the optimism surrounding Google comes from the fact that it is the leader in the white-hot online advertising industry. The company reported much better than expected sales and earnings for the first quarter, thanks to a booming market for online advertising, particularly ads tied to specific keyword searches.

And during the past few weeks, Google has released several new features—including a desktop search function for businesses and a test version of a personalized home page tool—that should help the company remain competitive against rivals Yahoo! (Research) and Microsoft (Research).

Source:CNN MONEY

OH yes, google is still a buy. I want to buy google stocks. Where can i get to buy it.

I am a regular reader of Dane Carlson’s Business Opportunities Blog and today, my attention was caught by one specific topic titled “Get Into Motion“. The first thing that struck my mind was, “This is what people need to know”. Starting a business does not require a huge business plan, or even a huge ammount of capital to begin with.

And here is a quote of the post based on the actual content that was from Mashal Brains Blog. This was in response to a reader of his blog, stating his problem which was his inability to deal with the fears/motivations of starting a business.

Well his response is worth reading, and here it goes…........

Start small. Do something very simple in the business sense to get some positive momentum going. How simple? I might go down to a local flea market that has a lot of people flowing through on a Saturday, spend $10 of $50 or whatever it costs to rent a space, and try selling something. Anything. Go buy bananas and bottles of water at a local wholesale club and try selling them at the flea market. Sell hot wheel cars that you buy at Wal-Mart. Sell motor oil. It doesn’t really matter at the start, and it is quite likely that your first idea will not work. Spend a day walking around and see what other people are selling if you have no idea what to sell.



One of two things may happen: 1) No one buys anything, or 2) Some people actually do buy things. In either case, try playing with your prices and see what happens. Try selling different products. Try giving away certificates with the hot wheel cars and instructions with the motor oil. Just have fun with it and learn from it.



What you have done is profound: You have just started a business. Try to make it successful in the sense that, after all your expenses, you make a profit and you get paid for your time. Work at it over a couple of months. See what happens.



Now that you have started one business, try to take the lessons you have learned and start one that is a little more complicated. And just keep moving up the scale.



[If you have kids, I would suggest that you let them try a flea market business now, while they are young. They will be ahead of the game when they get older.]

{For Futher Reading}

Yes to get people to share ideas would be really wonderful. Using the opensource approach to achieve business ideas, is really a new dimension of business. The title was, Can The Business Blogosphere Build and Run a Real Business? . The post went on to explain how the authour plans to achieve a system of implementing a business idea contributed by a member of a system using a democratic process of voting, and dropping based on contributed ideas of choice by the members. This is what he is planning to develop and well i must confess that the concept is beautiful, but then again there is a question that is still yet unanswered.

If I am a contributing member of such a system. How secure is my ideas, especially if it is an idea, i totally believe in, safe from exposure and replication outside the system, especially if its voted out during the process?

Well its a worth read,

Can The Business Blogosphere Build and Run a Real Business?

Do you ever have an idea that drives you crazy? Ever since I read “Wisdom of Crowds” a while back I keep wondering if it’s true. I think about it all the time. A few months ago, I decided there was no reason not to test it. So I’ve built a new site called The Business Experiment

where I propose we do just that.

Yes, you heard correctly. Business bloggers and readers will test their cumulative business knowledge by collectively starting and running a business – out in the open.

Can we do it? I don’t know. It seems crazy, and counterintuitive to everything that we think about business, but that is why I want to do it.

How will it work?

Interested in reading more?

Well i happen to be regular at Nairaland, and i replied recently to a very interesting topic and it was titled “Men & work”. Today i was contemplating on what to blog about and so i ended up deciding to share that part of my entry here.

The beginning entry was

Is it fitting for a man to work a job for the rest of his natural life? Or should he evolve to self employment at some point in his life?

My Contribution in summary was

Well as many said, depends on one’s individual vision in life. Self-Employment is not easy, besides when you get sick, who would do the work? and there is no income from that. Maybe a Business Man. Mind you there is a difference between a self-employed person and a business man, from what i understand. A Self-Employed person is someone earning one’s livelihood directly from one’s own trade. He works for himself, and earns from his work.

While a businessman owns a business and does not necessarily have to “work in it”, he might have sales-people, managers, workers that work on his behalf in the business.

I think being self-employed or even a business man does not justify that you have the pre-requisite to becoming a millionaire.

So Work or JOb? Well we have different interest, some people love to work, and can’t risk working for themselves, or starting their own business. While others can’t just work. So its left for the person to choose. We need all the three in the economy of any country, to keep the system in working mode. We need the workers, the self employed and also the business man and the investor. So i dont think its proper to be discriminating against workers nor even self employees.

Now is it fitting for a man to work for the rest of his life? I would say yes, because if thats what he loves and the part he feels more secure in, who are we to say its the wrong path? As i said before, it depends on individuals interest and vision in life

When it comes to having fraudulent web hosting clients, it really becomes very irritating when someone host a bank’s website with you and tells you that, his company that supposedly designed it, is not fraudulent, and they had nothing to do with it. Therefore you shouldn’t disgrace them in front of their clients and that you should go ahead and unsuspended the account. Well they are quiet bold and funny this days.

Well after numerous researches here and there on the net, i have discovered an easy way for malaysians to be able to withdraw from their paypal accounts using a companies visa atms cards, by depositing in their portal and withdrawing by atm.

ATMS that accept their cards are as follows.

Now you might be curious to how do you do that? If you are a malaysian and you are interested in withdrawing from your paypal account, this is an opportunity.

So Malaysians Now you can withdraw from you paypal accounts at a reasonable fee!!. Good News

HERE IS THE LINK OF THE SITE THAT ALLOWS YOU TO WITHDRAW FROM YOUR PAYPAL ACCOUNT . CLICK HERE. and thanks for using my link because it contains my refferal link.

Thats the little i want in exchange for the link i give. My referrer id is kazey. This allows you to withdraw from your paypal account into their cards and you can withdraw from an ATM.

How do you perform a transaction with your account with this provider?

ok first of all you need to do is signup using my link of course which i would really appreciate.

then after verifying your email you would then login to your virtualbankcard account and then you click on get ATM card button.

Now you would be given information in relation to obtaining the card, which is The cost of the card is $15 for a limited time. When purchasing the card you must load a minimum of $10 on your card and the transfer fee is $3. You must have a minimum of $28 available in your account. To meet the minimum, you need to deposit $28.00 into your account.

So altogether you need only to pay them $28 dollars plus extra RM8 for the money order to them via BCB. thats if you use BCB.

But the payment also can be done with paypal, mind you that is if you have a paypal account, you can easily transfer from your paypal account to pay for the $28 initial cost. that is done by choosing the deposit by paypal after you choose to deposit for the card.

Now for the paypal also (Note: Your first deposit must be $5.00, after a 72 Hour validation period you will be able to deposit up to $500.00 every 14 days.) . There is no transaction fees for paypal currently. So is free.

Well after obtaining your visa card, you can now transfer money from your paypal account by just clicking on the deposit and choosing the appropiriate option that leads you into transferring money from your paypal account to their account.

After that, your money would be in your virtualbankcard account.

Now to withdraw is preety easy.Either you use your atm card, or you click the withdraw button, state the amount and a cheque would be sent to you based on the mailing address you state.

Once again dont forget to use my link for sharing such a useful information :).

Let’s find out the truth about MLM in Malaysia. This free report covers:

Note: I am not promoting this guy products, i am just encouraging you to read his article. He explained all the concepts with a sincere approach. More of the need to know. Thus its really a good read, especially if you are looking for certain answers in relation to MLM. Personally i do not participate in MLMs, because of some personal reasons, but nevertheless it worth reading, honestly

Interested in Downloading the E-BOOK ? CLICK HERE.

When it comes to bringing a business idea into reality, a major problem that always arises is the lack of funds due to the nature of the plan intended. But nevertheless a good business plans does require that you look for external finances to ensure that there is a total distribution of resources contribution and enough funds to maintain the perfect architecture of the plan, withdrawing from ones own pocket is highly discouraged even if you have the surplus funds because it normally leads to the restricted urge of trying to be prudent in spending to save and thus affect the supposed desired achievement massively. Due to the this fact most of the basic necessities and luxury that ensures success is cut back in attempt to save more.
So really the need to look for external financing is really a must, but then again most of the so-called young entrepreneurs are running away from it due to the fact that they have to share the profits earned. One fact is most are greedy and self-centred. The others, well not really to be blamed perhaps we might say, because of issues like the likelihood of investors stealing the idea.

But the truth about new unique business is even the business plan are stolen nothing really can be archived with the business idea. What of if my idea were stolen through the business plan, what would I do? They would ask? I would say I don’t care. As long as I designed the business plan myself. The business plan is supposed to address what you are doing, what you are tackling, and the forecasted market and possible income from it.
The Business plan does not contain the step-by-step approach to running the system I suppose!! It’s a guide. And therefore replicating and implementing it would be really hard, if it’s as unique as it’s supposed to be. I would say I would only give proposals to business ideas that are only unique; otherwise what’s new about them, if they are just some imitated concept of another persons business, and what is the turning point? Well so really the alarm, is uncalled for!! And besides I am yet to come across someone whose business ideas was stolen by the investor through a business plan and implemented.
The hard part of business plans is the convincing part. You really have to convince your investors to invest; by really understanding what you are doing and making them see what you have installed. Raising the capitals after designing the business plan is not that difficult, if you really have the business plan designed. How many of you have really designed one and couldn’t raise the capital? I really doubt any of you does. All we do is complain without effort.

And one more tip, do you want your company to be a multinational standard? To achieve this does not require any voodoo that is. The basic rule is to get it financed by external resources, be consistent as much as possible, and make sure all your plans are followed, reviewed and redeveloped in a cycle to the later, and always enjoy firing under performers, retraining would cost you more than recruiting a better one. And to end it, it’s easier saying than doing.

well so to speak, i have started designing a new income line actually 2 to be precise. one which would be evolving in lets say 2 weeks time, and the other a month or so. i have sent the supplier the list of the products i am interested in, for the first system, and me and my new partner Daniel a Portfolio Planning executive of Eastern Link who happen to be also an accomplice in my school (he is a student like me ;)). we are planning to go into providing some service which is still currently confidential for students mainly international students in my school, and we plan to expand to other universities with time. we are actually supposed to brain storm today, but due to my seminar, we have to suspend it till tommorrow.

The second system, is really packed , and i guess would lead me to getting my first million dollars hopefully. its mainly into designing an investment program with high quarterly turnover and 99.9% risk free and with every 2 years bonus to investors. this is with another partner of mine, infact and old partner of mine because we both own DZ independent marketers, and thus that means we are really expanding our interest and focus. One advantage of his proposal is we have a tax advantage for 5 years . This is to encourage aspiring locals like him to set up business systems such as the one we are currently designing and thus means we can really achieve a lot during the duration, before returning the whole lump investment benefits back to our investors after 6 years which is actually the duration of the investment from the day we launch it.

well we actually ran over the system on sunday, i have to do some coding, and i hope i can meet the deadline.i guess thats all for now. besides i have decided to attend the seminar.