Welcome to my Blog!

With the current bonus, I ended up with $1000 a thousand dollars to spare. So what I did was through the internet banking order viagra services provided by DBS, (with the dongle) I got access to the account number for POSB MySavings, hence I could transfer the savings easily through any POSB or DBS ATM machines.

To get the dongle, simply go to an ATM machine and request for a DBS ibanking service… and ask the outlet’s customer service for assistance.

To transfer money from your POSB Savings account to the POSB MySavings Accounts, go to any POSB or DBS ATM and do this.

Other services -> Fund transfer -> From savings account -> To another savings account.

Enter your My Savings Account number. You may check this through DBS ibanking or check this with the outlet’s customer service assistance. Next enter your Amount and that’s it. It works like a normal fund transfer facility.

Basically with the DBS iBanking, tracking transactions is much easier and faster.

“I stay happy by making money, while you stay happy by spending money”

Is this what is happening to you ? Lots of us make and earn our pay check every month, but seriously that’s not why we are happy. We are happy when we spend these money onto something that gives us material objects. Stuff like luxury items, branded goods, women viagra indulging in fine dining, decorating houses, or buying IT gadgets that you do not need.

On the other hand, I have trained myself to build up the habit by being the opposite. By making money, and trying to make even more (freelance, part time, settling of my unwanted stuff, other means and ways… investments), I felt happier, and as though life is more meaningful. And that is part of the reason I had this blog, which shows some money management of my own. I have the confidence to introduce you my style of handling my money, and I am even happier doing that.

So what about you?

One of the problems I had to overcome before I used this function, was to login to Google Analytics and then click on my website’s profile.

After awhile I realise that with just a single login, I could view my mail, adsense, analytics, feedburner all at once. That is by using a cool function at the top of Gmail’s page in the Gmail’s > Settings. By clicking on that, a big menu will appear with several pages:

-General
-Accounts
-Labels
-Filters
-Forwarding and POP/IMAP
-Chat
etc…

Just go to the ‘Accounts’ page, and click (open in new tab) on the ‘Google Account settings’. This is my shortcut to Google Analytics!

All thanks to the AJAX scripting, it makes navigating around gmail an enjoyable one, because you don’t need to load the whole page to get to where you want.

And shortly after, I had more and more websites to manage, and they grow exponentially! It was time I stop doing this daily, and instead have Google Analytics mail me the reports. One great tip is that if you use the daily or weekly schedule, It’s gonna show you by default viagra for women the web traffic stats for that day or week. If you login to Analytics directly, you’ll see a collected web stats for the period of 30 days. Well that’s an overall view, though you can change it. I find it troublesome.

Under each individual account, there’s a email function, which you can use to it to mail you web stats.
My strategy is to use the daily report function for sites that have higher traffic (those that are of higher important), and a weekly report for those with lower traffic(those that I am less worried about).

So here’s how you do that email thing:

Click on the email button located near the top left, beside the export.

Then you’ll schedule the frequency of the report to be send to your mail account.

So now, you can sit back and wait for the reports to come to you, instead of you logging in daily to check the web traffic stats generated by Google’s Analytics.

There was a phrase which sounded something like that.

“Pegging our employee’s Salary to the market salary versus pegging our Salary to the current standard of living under economic risk.”

What this online pharmacy online prescription means is that, there are 2 types of market. One market is the safer side, when economic is good, versus, pegging salary to the standard of living, which is affected by several factors, including economic risk.

In 2008 Sept-Dec, we see so much economic downturn, that leaves us thinking whether salary should be peg with the market, in terms of skill, experience, responsibilities, education etc etc, or should we peg salary to market quality.

Indeed it is difficult to stay financially healthy, so we should always aim to stay alert on money matters.

I was showing some of the differences between Awstats and Google Analytics, and so I think it is better to show you their GUI interfaces by taking some screenshots from one of my low hanging sites.

Some of the web analytics stats that are significant will be covered here, so if you think there’s a lot of information provided, don’t panic! Not every detail are important.

My Cpanel Awstats:

My Google Analytics:

A look at these 2 statistics on web traffic analytics shows that there is a big difference between them. On 25 December 2008, which was also Christmas (this is a dated post…), Google analytics show only 391 unique visits with 735 page views for the last 30 days

On the contrast, Cpanel Awstats records a total buy phentermine of 1108 unique visitors and 5653 page views, as of 25th December 2008. Notice there’s a number of visits at 1805, which includes google, yahoo, msn, or other Search engines bots or crawlers. Google Analytics doesn’t have a number of visit stats.

These should be some of the important figures you should look at, before moving onto others. I’ll cover other details that are used to monitor other important stats.

For those of you who owned several credit cards, there’s something called annual fee, where you get the banks to waive your your credit card charges. To waive, you have to call in to the Credit card department, and have a customer service officer to attend to you, and help you to waive it off.

This is online viagra buy a procedure which I (a poor fellow like me) will have to do a few times each year, because I owned a few of them. Imagine the fee for 1 card is $150, that will amount to almost $1000++ because for each and every card, regardless of whether its same type of cards but on Visa/Mastercard, or if its from the same bank, it is still treated as single one. Furthermore if you have a supplementary card, that comes into account too.

My tip here is for you to write down the number of cards you have, and the due date for the fee. Keep track of it so that you know how many cards you owned, and roughly when to call in and waive the fees.

One of the ways credit card companies earn $ from you, is when you forget about this fees, and you simply pay it by auto deducting from a bank account. I know a few rich guys who simply have no time to be bothered with a few thousands dollars (heck, that’s like 1 % of their monthly income!)

So keep track your ins and outs !

As mentioned in the previous post, a unique visitor is a unique “person” who went to your visit your site. A unique person is considered unique, so long as the computer that he is using is unique too. Here I’ll compare unique visitors vs visit count, as well as awstats in Cpanel and Google analytics.

Let’s go deeper into defining a unique visitor.

If your IP address is static

A unique visitor’s with his PC’s IP address unique, will only register itself on your site’s unique visitor count as 1 hit/day only.

On the first day, if the same guy keeps surfing to your site, closes his browser, and opens your site again, it is considered as 1 hit, no matter how many times he does that. On the visit count, it will appear many times, because that is what the visit counts are registering.

On the second day, if he surfs to your site, he registers 2 unique visitor count on your site. This is because it’s a new day so everything else is reset. buy viagra viagra online With Google analytics, this is considered loyalty, or in other words a returning visitor.

If you are using awstats in Cpanel, you’ll see a big number in unique visitors and number of visits, due to the logging of IP addresses that “touched” the server. But under Google analytics, because it uses Cookies to measure visits, it may not register that second day unique visitor count, as it registers by the cookie information stored on the user’s browser.

If your IP address is dynamic

Most of us here uses dial-up, or dynamic IP adddress. Even if yours is static, it might change once a while say few days to a few months, depending on your ISP.

On the first day, this results in the same as if your are in static IP. Your site registers your visit as 1 count.

On the second day, if your IP changes, it is certain that it registers it as another unique visitor. Basically since most users are on DHCP and if they reboot their machines everyday, you are certainly guaranteed a unique visit.

If you are using awstats in Cpanel, you’ll see an even bigger number count in unique visitors and number of visits. But under Google analytics, because it uses Cookies to measure visits, it will register that second day unique visitor count, but it will be called as a Unique visitor but not New Visits.

Cpanel Awstats vs Google Analytics

When you use 2 different browsers on a single computer, it will result as 2 hits, because the cookies are kept in each separate browser.

Therefore, if you compare the 2 web traffic analytics software, you’ll realise that the number generated by Cpanel Awstats is always greater than that of Google Analytics, in terms of both visits and uniques.

Cpanel Awstats = Logs
Google Analytics = Cookies

By comparing the way both software tracks, they are equally fair in each of them. So I suggest you take the mean of the two, and use that as an “average” unique visitor count.

Happy analyzing !

This month was a little special, because it includes Chinese New Year 2009, the year of the Ox towards the end of the month. After starting my part time school and getting my new Sofa for Chinese New Year, I still had to pay an amount for my school fees last month. It amounts to $1,550, as the bill.

A little tip for buying CNY stuff; I actually accompanied my parents to minimize the buying of New Year goodies etc, saving costs on food and junk food which are both expensive and useless. For decorations, I actually pasted a word viagra buy viagra online ’吉‘ on the wall of my home，which means ‘Lucky’, using very old red packets.

Speaking of red packets, with the economy downturn and older generation relatives who have long drop out of the workforce, I still do receive red packets, or Ang Baos from them. I felt bad to take from them since I am working, but because of traditions, I have to accept, by exchanging Mandarin Oranges.

There’s an additional to the POSB MySavings account, with a deposit of $1k into the account. Hopefully this will speed up my savings, though I didn’t know why I didn’t put it into the Citibank account.

Here’s a breakdown:

Savings and Earnings

$500/month Citibank Step up Account
$300/month + $1000 POSB MySavings
$7.XX (interest) Passive earnings
$300+ Red packets

Expenses

$0
$40 2X Tshirts
Nothing much, expenses amounting to less than $400 this month.

It’s a good thing that Wordpress has this scheduled post thing. By the time you are reading I am on my way to Kuala Lumpur in Malaysia attending “Hack in the Box”.

So… the other time I was explaining in my post on a savings account, which covers compounded interests. Then there was this guy asking the exact calculation on compounding interests. It is quite tricky though, because calculating how much interest in savings or loan you incurred is not an easy task.

Heres the post that I made on compounded interest savings account:
http://www.dennisquek.com/2008/09/introduction-to-citibanks-step-up-saving-accounts/

So I decided to develop a simple “Compound Interest Excelsheet calculator”. This calculator is based on a monthly compount, so please used it appropriately .This is an excel spreadsheet, so you can download it and open this using Microsoft Excel, or a Microsoft Excel Reader. (Don’t worry, it is virus free, trust me.)

On this calculator, you need 3 variables.

1. Your initial amount.
For viagra to buy online savings, this is the initial opening amount. For loan, it is the amount you have already paid.

2. Your monthly figures
For savings this is how much you save a month / For loan this would be the amount you will repay each month.

3. Interests in compounding percent.
This is the yearly interests you always see in marketing ads. If your saving plans offers a 1.2% compound interests yearly, it means it is offering a 1.2% divided by 12, which is 0.1% a month. This is different from 1.2% a year.

With these in mind, key the data in, and all the figures shows up instantenously. My aim is to show you the effective interest rate, by calculating interests earned less the amount without the interests, to calculate the effective % of interests earned.

You can download it right Here!