Jose Rizal statue in Central Station - NSW

Click Google Map location: Jose Rizal in Central Station

Or you can visit Rizal in :

* Campbelltown / Rosemeadow

* Ashfield Park

Grocery price watch - Sept 2014

Price watch: 

Chinese Butcher

In case you want to have an idea on how much is meat per kilo in NSW.

FREE: Send Your Name to Mars on NASA Orion's newest spacecraft launching this Dec 2014

Boarding pass to Mars

NASA is giving you the opportunity to send your name on its Orion spacecraft to Mars.
You can print out your boarding pass and you can search your boarding pass on the database.

CLICK --> Register  before 31 October 2014.


NASA's newest spacecraft, Orion, will be launching into space for the first time in December 2014, on a flight that will take it farther than any spacecraft built to carry humans has gone in more than 40 years and through temperatures twice as hot as molten lava to put its critical systems to the test.

 For more information, visit NASA MARS EXPLORATION PROGRAM

Earn extra cash/gift cards/voucher by partiticpating on online market research

Are you looking to earn extra cash/gift cards/voucher?

Try participating on online market research....

I  seen this opportunity about participating on "online market research"  advertise on TV  (Channel 9 / 7) so I would "assume" Channel 9 or 7 already did their research that this is a legit business and decided to give it a try.


Just joined this online market research (MyOpinions) and I haven't personally claimed any voucher, gift card or cash rewards "YET".

I will update this post once I was able to get enough points to exchange to cash reward of gift voucher.

Click JOIN to start earning reward points at MyOpinions.

- Please do your own research before joining.
- Participating on "Online Market Research" is not for you if you are not comfortable sharing personal information or views.

 Sample points earned* 3 points from answering a quick question/survey

* 100 points from playing Instant win game

What is MyOpinions?
----------------------- 
MyOpinions is a website that pays its members for participating in online market research surveys. Members can earn points which are redeemable for different rewards, including instant gift card and vouchers, cash and charity donations.

MyOpinions provide the surveys on behalf of third-party organisations. Join now and you can have your say in the development of new products. Also, since all surveys are provided by MyOpinions, you will only ever be dealing with us. We'll keep your personal details safe and will never pass them on to other companies.
-----------------------


What kind of rewards can I get?
-----------------------
At MyOpinions, members can earn reward points which can be cashed out in the following ways:

-   Instant egift cards and vouchers.
-   Cash out via PayPal.
-----------------------


Note:
 =======
It ask survey questions and you may find some questions too personal to answer and you have the option not to answer.
Please keep in mind that they give you rewards in exchange of your personal information/view.
Please take precaution on sharing personal information.

Boy Kuripot tip of the day : Get FREE Soft Cover Photo Book

FREE Soft Cover Photo Book 13x18cm (Pay shipping - from $4.95)


I am a member of Snapfish for sometime now and I normally claim when they have FREE offers.

Some offer can be collected/pick up at Kmart store if you do not want to pay for shipping fee. I was able to claim soft cover photo book / block photo / calendar in the past for FREE, some cost me shipping like this promo which is only offer for delivery which will incur shipping fee.


For this offer, cannot pick up in-store... offer only for delivery (cost shipping FEE - from $4.95)

I just claimed my code for free photobook (I have not ordered yet) as shown in the photo below.

To claim simply:

click this link --> Snapfish

1. Register for your free Snapfish account using the form below

2. When prompted, enter your unique pin code.

-- you still have up to 19-Oct-2014 to order your photobook


3. Once you have redeemed your unique pin code create your Photo Book by selecting Photo Books and choosing the 13x18 cm Custom Soft Cover book


4. Upload your photos3.

5. Create your 13x18 cm Photo Book and place your order. Your Photo Book will be delivered straight to your door.


Your credit or discount voucher must be used before 19th October 2014.


Note:
=====
Don't forget to register your wife for another account. Now you have 2 FREE soft cover photobook to claim.

If you encounter issue that the promo code was already claimed when you register another account. Try to clear the cookies of your internet browser.

FREE eBooks: Learn from Warren Buffet and Steve Jobs -- Amazon (Kindle)

-- Not sure about the quality of content as I haven't read myself.
-- Names like Warren Buffet and Steve Jobs makes me interested to download/read the eBook.
-- You have to be quick as I am not sure when it will expire.
-- You need to have an Amazon account (free to join) to download eBooks from Amazon and read it in your Kindle reader (free to download)

WARNING: You need to check the price if still "FREE before buying.
                      FREE as of posting. I just registered to get the FREE eBook myself.




1) Investment Lessons Learnt From Warren Buffett
Australia Amazon account link
US Amazon account link


2) 101 Lessons The World Can Learn From Steve Jobs
Australia Amazon account link
US Amazon account link


Note: To save on data plan
-- I download the eBooks I am interested to read on my smartphone while at home connected to home wifi and read it offline when I have free time like when travelling to work/home and save on data usage.

Filipino Food: Dinuguan at Puto

Dinuguan at Puto

From $35 Canon Pixma MG5560 Inkjet @ Officeworks / store pickup (until 31-Oct)

Canon Pixma MG5560 Inkjet   (print / scan /copy)

Features:

• Mobile/Tablet Print & Scan from Apple & Android Devices
• Google Cloud Print enabled
• Auto Double Sided Printing
• Auto Power On / Off
• Quiet Mode
• My Image Garden Software
• Full HD Movie Print
• Fun Filter Effect Software

Officeworks original price: $45
http://www.officeworks.com.au/shop/officeworks/canon-pixma-mg5560-colour-inkjet-multifunction-camg5560bk?searchTerm=mg5560


Canon cashback until 31-Oct / From $10-$500 (Enter the detials of your purchase and you could win from $10 to $500 cash back)

Potentially, you are paying from $35.00 for this printer. (Store pickup)

Dick Smith's: $89
http://www.dicksmith.com.au/multifunction-printers/canon-mg5560bk-multifunction-printer-dsau-xp6560


Canon CashBack instruction:
https://www.canon.com.au/Personal/Products/Home-and-Office-P...


About Canon MG5560
https://www.canon.com.au/~/media/Product%20Brochures/Printers/PIXMA/PIXMA-MG5560-Specifications-Brochure.ashx 


I still need to pick up the printer at Officeworks before I can try to claim my cash back reward from Canon website.

Printer can be declared for tax deduction.

I have not look at how much is the refillable ink.
Look for alternative inks or refillable inks online.


Update: 
The setup instruction is simple and straight forward as you need to look a the images. It doesn't explain much (which could be a problem if some of the procedure doesnt work). In my case It did not auto detect my WIFI network.

It doesn't also include the USB cable to connect your printer physically to your laptop/desktop as it is suppose to be a WIFI printer.


- It took me a while to figure out how to connect it to my wifi network as it did not detect my wifi automatically as it was looking for WPS (could be my wifi router is an old model)

If it did not detect your wifi network autmatically, try to configure your WAN manually to access your WiFi router.

Make sure the WIFI ICON on your Canon printer turns BLUE which means your printer is now connected to your WIFI network.

 You may now install Canon driver/software on your Laptop/Desktop (WiFi) capable and it should be able to detect your Canon Printer. IF you do not have cdrom, follow the link provided in the instruction to download over the internet.

Test print - successful (over wifi)
Test scan - successful (over wifi)


 

Filipino Food: Spanish Bread

Spanish Bread

FREE $30 Voucher when you buy at EziBuy using promo code - EXPIRED

Promo code:  acq4g2ac



EziBuy is an online retail shop.


EziBuy was bought by Woolsworths.


1.  Go to EziBuy website. Click --->   http://www.ezibuy.com.au/
2.  Search for items you want to buy. Total should be more than $30 to be able to claim the $30 voucher

Sample items:

* Joggers $39 less $30 voucher  - pay only $9.00

* Bluetooth speaker ($25 / was $59.99   (add additional items to exceed $30)

* iPad Bluetooth keyboard ($29 / was $79.99)  (add additional items to exceed $30)

* Bootleg jeans

Make sure total exceeds $30 for the $30 voucher cod eto work
Make sure item is available for CLICK AND COLLECT  to avoid paying delivery fee.
Items can be pick up at BiGW or participating Wollies


3. Add items to cart (total exceeds $30)
4. Enter Promotional code  acq4g2ac   and proceed to checkout.

5. You need to enter your details if you have not registered.
6. You can pay via credit card or paypal.

No transaction number provided once submitted. Instructions provided was to wait for confirmation as they will check items availability.



I am waiting for confirmation regarding my orders.
- Bought the bluetooth speaker and added an $8.00 item to exceed $30 and advice to pick up at BigW. I only paid for $3.00 thru paypal.


Nothing to loose.... FREE $30 if they honor the promo code.



I was not able to get everything I ordered.
- speaker was already sold out

this online retaisl shops needs improvement as they should post the actual availability of the items they are selling.

They cannot just reply back after completing the order that the items are already sold out.

I think ithis is a bad investment by Woolies buying this online retail company as it lacks feature for a matured online retail shop.

Boy Kuripot tip of the day: Claim rebate from VIC Government scheme (VIC residents only)

You may be able to claim back up to $100 Victorian Government Energy Efficiency Target (VEET) scheme.


All residents in the state of Victoria that have purchased Televisions, Fridges or Clothes Dryers in 2014 are eligible to claim a rebate or cash back as part of the Victorian Government Energy Efficiency Target (VEET) scheme.

Process
----------------------

1. Keep the receipt

Keep your purchase receipt

2. Get a copy of the receipt

Scan your receipt or take a photo with your phone

3. Send it to Easy Rebates

Attach the receipt and complete the simple form on our website

----------------------

 

 

Check their website (www.easyrebates.com.au) for eligibility. You may contact them or visit their website for more details.


Phone: (03) 9999 7965
Email: info@easyrebates.com.au
Website: www.easyrebates.com.au

FREE 15GB + 15GB camera roll Cloud storage with Microsoft OneDrive

Register now while FREE (not sure until when ).


OneDrive Easily store and share photos, videos, documents, and more — anywhere, on any device, free

Similar iCloud (Apple) or Dropbox

You can get your 15 GB by downloading the App, sign up for OneDrive and activate the auto upload feature for your camera roll sometime between now and the end of September.
PLUS get  0.5GB extra space if you use this link to register --->   OneDrive

* 15 GB free + 15 GB  camera roll bonus when you enable camera roll sync.
-- if you register using te link above, you et additional 0.5GB space - total of 30.5GB of space.

Once registered, now its time to download and install OneDrive on your mobile phone:
For iOS
For Android
For Windows Phone


Note: turn off camera roll backup if you don't want all your photo get sync automatically to the cloud

Free at the time of writing. Screenshot of my OneDrive after enabling camera roll:

I now have 30GB of cloud space

Claim S$40 Voucher - Singapore Airlines on Transit Via Changi (until 31/03/15)

I was able to claim this same offer a few years ago when I transit at singapore Changi Airport.
- I was able to use the voucher to buy some stuff inside Changi airport Duty Free shop.
- Check the location of the information center where you need to claim the voucher if you have limited transit duration.


Click link for more details -->  Changi Transit Programme

Who is eligible?

• Singapore Airlines or SilkAir customers whose point of origin, as stated in their e-ticket, is either Europe, Africa, South America, China, India, Indonesia, Australia or New Zealand. This includes any of the following countries:
  
  • Australia, Brazil, China (Mainland), Denmark, France, Germany, India, Indonesia, Italy, Netherlands, New Zealand, Russia, South Africa, Spain, Switzerland, Turkey or United Kingdom.
• Passengers must be on transit in Singapore, which means Singapore, is neither the point of origin nor the end destination.
  
  • E.g. A passenger whose itinerary is “Sydney – Singapore – Mumbai” would be eligible but a passenger whose itinerary is “Sydney – Singapore – Sydney” would not be eligible.
• Passengers' e-ticket numbers must begin with 618 or 629 or 086, and must be travelling on flights operated by Singapore Airlines or SilkAir for both in and out of Singapore. Any connecting flight into or out of Singapore that is not operated by Singapore Airlines or SilkAir must be operated by Air New Zealand, specifically flight numbers SQ4281, SQ4282, NZ281 or NZ282.
• CDVs can only be claimed once, on either leg of the passenger's itinerary.
  
  • E.g. If a passenger is travelling through Singapore from Sydney to Beijing, he can claim his $40 CDVs either upon his arrival in Singapore from Sydney OR upon his arrival in Singapore back from Beijing.
• CDVs will only be issued to passengers in transit within 24 hours at Changi Airport. This is calculated from the Scheduled Time of Arrival (STA) of the arriving flight to Changi Airport to the Scheduled Time of Departure (STD) of the connecting departure flight out of Changi Airport.
• CDVs will be issued to passengers in transit as long as 1 leg of their transit duration is within 24 hours at Changi Airport.
• Children must be above 2 years old at the point of ticket issuance and have their own seat, which means that their seat is not shared with their parent / guardian.
• For passengers whose transit (through Singapore) itinerary was issued over two separate e-tickets, please present the two e-tickets to the iShopChangi Collection Centre located within the transit areas of Terminals 2 and 3. Voucher redemption is subject to the terms & conditions stated below.

 

Cisco DocWiki: Internetworking Technology Handbook (prep for CCNA)

Useful if you are preparing for CCNA exam.


Link: http://docwiki.cisco.com/wiki/Internetworking_Technology_Handbook


Save as PDF by clicking "Print  as PDF" in Toolbox

Cost of Living Comparison Between Sydney and Manila

You would need around 97,159.34₱ (2,397.95A$) in Manila to maintain the same standard of life that you can have with 7,100.00A$ in Sydney (assuming you rent in both cities). This calculation uses our Consumer Prices Including Rent Index.

Indices Difference
Consumer Prices in Manila are 58.96% lower than in Sydney
Consumer Prices Including Rent in Manila are 66.23% lower than in Sydney
Rent Prices in Manila are 77.45% lower than in Sydney
Restaurant Prices in Manila are 71.94% lower than in Sydney
Groceries Prices in Manila are 57.31% lower than in Sydney
Local Purchasing Power in Manila is 66.38% lower than in Sydney

	Sydney	Manila	Difference
Restaurants
Meal, Inexpensive Restaurant	15.00 A$	3.70 A$	-75.32 %
Meal for 2, Mid-range Restaurant, Three-course	80.00 A$	18.30 A$	-77.12 %
Combo Meal at McDonalds or Similar	8.75 A$	3.46 A$	-60.51 %
Domestic Beer (0.5 liter draught)	6.00 A$	0.99 A$	-83.55 %
Imported Beer (0.33 liter bottle)	7.50 A$	2.22 A$	-70.38 %
Cappuccino (regular)	3.69 A$	2.53 A$	-31.34 %
Coke/Pepsi (0.33 liter bottle)	2.94 A$	0.65 A$	-78.06 %
Water (0.33 liter bottle)	2.49 A$	0.41 A$	-83.57 %
Markets
Milk (regular), (1 liter)	1.46 A$	1.82 A$	+25.05 %
Loaf of Fresh White Bread (500g)	3.34 A$	1.26 A$	-62.26 %
Rice (white), (1kg)	2.95 A$	0.96 A$	-67.44 %
Eggs (12)	4.22 A$	1.66 A$	-60.68 %
Local Cheese (1kg)	11.34 A$	7.00 A$	-38.23 %
Chicken Breasts (Boneless, Skinless), (1kg)	10.70 A$	4.06 A$	-62.04 %
Apples (1kg)	4.25 A$	3.00 A$	-29.48 %
Oranges (1kg)	3.67 A$	2.98 A$	-18.94 %
Tomato (1kg)	5.21 A$	1.33 A$	-74.43 %
Potato (1kg)	3.21 A$	1.74 A$	-45.81 %
Lettuce (1 head)	2.48 A$	1.26 A$	-49.02 %
Water (1.5 liter bottle)	2.55 A$	0.92 A$	-63.89 %
Bottle of Wine (Mid-Range)	16.00 A$	7.40 A$	-53.72 %
Domestic Beer (0.5 liter bottle)	5.02 A$	0.91 A$	-81.88 %
Imported Beer (0.33 liter bottle)	5.51 A$	2.04 A$	-63.04 %
Pack of Cigarettes (Marlboro)	19.00 A$	1.26 A$	-93.38 %
Transportation
One-way Ticket (Local Transport)	4.00 A$	0.35 A$	-91.36 %
Monthly Pass (Regular Price)	124.00 A$	12.34 A$	-90.05 %
Taxi Start (Normal Tariff)	3.50 A$	0.99 A$	-71.79 %
Taxi 1km (Normal Tariff)	3.00 A$	0.34 A$	-88.81 %
Taxi 1hour Waiting (Normal Tariff)	55.00 A$	2.78 A$	-94.95 %
Gasoline (1 liter)	1.51 A$	1.30 A$	-13.85 %
Volkswagen Golf 1.4 90 KW Trendline (Or Equivalent New Car)	26,000.00 A$	21,348.73 A$	-17.89 %
Utilities (Monthly)
Basic (Electricity, Heating, Water, Garbage) for 85m2 Apartment	242.56 A$	120.35 A$	-50.39 %
1 min. of Prepaid Mobile Tariff Local (No Discounts or Plans)	1.03 A$	0.18 A$	-82.72 %
Internet (6 Mbps, Unlimited Data, Cable/ADSL)	64.37 A$	61.65 A$	-4.24 %
Sports And Leisure
Fitness Club, Monthly Fee for 1 Adult	81.97 A$	60.69 A$	-25.96 %
Tennis Court Rent (1 Hour on Weekend)	23.20 A$	8.89 A$	-61.70 %
Cinema, International Release, 1 Seat	18.00 A$	4.94 A$	-72.58 %
Clothing And Shoes
1 Pair of Jeans (Levis 501 Or Similar)	108.48 A$	63.08 A$	-41.85 %
1 Summer Dress in a Chain Store (Zara, H&M, ...)	78.04 A$	45.35 A$	-41.89 %
1 Pair of Nike Shoes	143.97 A$	109.58 A$	-23.88 %
1 Pair of Men Leather Shoes	144.07 A$	77.74 A$	-46.04 %
Rent Per Month
Apartment (1 bedroom) in City Centre	2,233.24 A$	508.23 A$	-77.24 %
Apartment (1 bedroom) Outside of Centre	1,603.79 A$	217.10 A$	-86.46 %
Apartment (3 bedrooms) in City Centre	4,422.81 A$	1,283.85 A$	-70.97 %
Apartment (3 bedrooms) Outside of Centre	2,907.75 A$	511.24 A$	-82.42 %
Buy Apartment Price
Price per Square Meter to Buy Apartment in City Centre	9,587.00 A$	1,933.83 A$	-79.83 %
Price per Square Meter to Buy Apartment Outside of Centre	6,492.43 A$	726.69 A$	-88.81 %
Salaries And Financing
Average Monthly Disposable Salary (After Tax)	4,741.18 A$	538.41 A$	-88.64 %
Mortgage Interest Rate in Percentages (%), Yearly	5.71	8.33	+45.99 %
Last update	September, 2014	September, 2014

* Information taken from numbeo.com

Start planting your own veggie: FREE pack of veggie seeds

Yates providing free seed for their Spring Vegie Growing Challenge 2014


I already received my free veggie pack via post.
  -- they gave me lettuce seeds (no guarantee what veggie seed you will received)


Click to register : Spring Vegie Growing Challenge 2014


How to enter
-----------------
    Join or login to the Yates Garden Club
    Click orange button below and complete entry form
    Plant vegetable seeds or seedlings
    Post at least 3 progress blogs with images to show your progress
-----------------



I've bee na member of Yates for sometime now and they gave out free seeds from time to time.
  

Crown Casino ongoing construction at Barangaroo Sydney

Ongoing Crown Resort construction at  Barangaroo NSW / Sept_2014




  


 

Crown Resort Sydney

(FREE) 500 Free Coins at Amazon.com.au (Android) Appstore

I just upgraded my Amazon Appstore on my android and got my 500 coins

From amazon website:
http://www.amazon.com.au/gp/feature.html/ref=pe_1062052_171209412_pe_ecg/?docId=3078429016&ie=UTF8

What is Amazon Coins?

Amazon Coins is a new way to buy and enjoy apps, games and in-app items for less. You can save up to 10% every day on apps and games by purchasing Amazon Coins. As a special introductory offer, you can save up to 20%, for a limited time only. You can buy Coins here.

How can I get 500 Coins for Free?

As a thank you for being an Amazon.com.au Appstore customer, your Coins will automatically be credited to your account.

If you have an Android device, you’ll need to make sure you have the latest version of the Appstore in order to see and use your Coins. Once you’ve updated to the latest version, your 500 free Coins will be waiting for you.

How do I update the Appstore on my Android Device?

You should be prompted to upgrade when you open the Amazon Appstore. If you aren't prompted, please follow these steps:
1. Find and open “Amazon Appstore” on your device.
2. Go to “Settings” > “Version and Release Notes” to ensure you have version 11.0 or greater of the Amazon Appstore. If you have an earlier version, please tap “Check For Update”.
3. Enjoy! You can now use your free Coins and also save up to 10% on apps and games when you buy Amazon Coins.

How do I Spend Coins?

You can spend Amazon Coins on the Appstore on your Kindle Fire, Android device or on Amazon.com.au. Explore great apps and games on the Amazon Appstore.

Compare iPhone 6 and 6 Plus for all mobile plans and carriers (Australia)

Interested of buying iPhone 6 but not sure which telco provider to choose?


Found this website that compares iPhone 6 and 6 Plus for all the mobile plans from all the carriers


http://eftm.com.au/2014/09/iphone-6-and-6-plus-all-the-mobile-plans-from-all-the-carriers-compared-16784

* Virgin Mobile  (seems a good deal with 2GB switching plan) from the comparison above

- Virgin offering bonus 2GB of data to people who switch to Virgin

Apple iPhone 6 Plus 128GB GoldFrom $70 per month
Min total cost over 24 months is $1680 

- International call included
- roll over credits
- free virgin to virgin call
- 2gb if switching. IF you are with optus, you cna easyily buy $2 sim to port your nunmber and go back to virgin to avail the switching promo.



Note: Postpaid usually are more expensive than prepaid + buying phone outright.


How  about looking for other phone with better specs at a lower price.

FREE Online course @ Udemy (Web, Project Management, EXCEL)

Free online courses at Udemy.

Instructio:
- Create Udemy accont (FREE)    --> https://www.udemy.com
- Click one of the link below (course you ar interested)
- Verify the course price is still FREE before clicking "Take this Course" to register for the course.
- Onceregister, it is not necesary to complete the course immidiately. You can go back to the course on another time.



FREE Online course (limited time)
------------------------------------

WEB
ASP.Net Web API
ASP.NET MVC5
HTML5 & CSS3 - Complete Practical Guide
VB.NET - Programming with Visual Basics .NET

Project Management
Lean Management
Project Time Management
Project Scope Management
Project Monitoring and Controlling
Project Execution and Delivery
Project Cost Management

Excel
Microsoft Excel 2013 - Beginner & Advanced
Microsoft Excel - Beginner Excel 2013 Training
Microsoft Excel - Advanced Excel 2013 Training
------------------------------------

Boy Kuripot tip of the day: Free nappies (Comfies brand)

Instruction:

1. Click Link: http://www.comfies.com.au/contact-us.php
2. Select  --->    'I'd like to know more about Comfies and/or try them.'
3. Fill up form (name,email,address, sample nappy you like) and click submit

Note:
Nothing is free on this world. In return, they try get your personal detail to send out marketing informations or offer.

Tip:
- Create another email that you use for joining promos that doesnt have exact or complete personal details. If they spam your mails.. it doesn't go to your personal email account.

Money changer in Sydney

SUPAY

Found this money changer provide higher rates than Western Union.
- There might be some other/new competitors that may have better rates


SUPAY        
--------------
Sydney City
Level 1, 388-390 Sussex Street,  Sydney  NSW  2000
Telphone:+61 2 9267 8878   Fax:+61 2 9267 8882
Trading hour:Monday-Friday 9:30-17:30    Saturday 10:30-16:30

Hurstville
Shop 5, 227 Forest Road,  Hurstville,  Sydney  NSW  2220
Telphone:+61 2 9570 9600   Fax:+61 2 9570 9800
Trading hour:Monday-Friday 9:30-17:30    Saturday 10:30-16:30
--------------

Click link to go to their website to check exchange rate :  SUPAY


Ask for better rate. Negotiate.

Boy Kuripot tip of the day: How to SAVE using Opal card (Sydney)

News Update: 09-Sept-2014
----------------------------
Sydney Morning Herald publish on their paper that even the Transport Minister  ( Gladys Berejiklian) has backed commuters who manipulate their travel to get the best deal out of their Opal card, potentially saving them, and costing the government, hundreds of dollars a year.

Read more: http://www.smh.com.au/nsw/transport-minister-backs-commuters-who-beat-the-opal-man-20140908-10dv5f.html
 ----------------------------



This article was originally posted on 2-Sept-2014

Main goal is to travel short trips from Minday to reach 8 trips as quickly as possible so that all travel after 8 trips is free until Sunday.


Example:  Weekly Train fare using MyTrain: $35.00 weekly (Rockdale to Town Hall / 14kms )


Opal rules:
-  Free trip after 8 trip starting on Monday.
-  You can travel to multiple station within an hour for a single fare/trip
-  Maximum you will ever get charged per day is $15.

To save money using opal is to travel at least 3 trips a day but make sure you are going to travel at least 4x a week so you can complete the 8 trips as soon as possible.
You may not be able to save is are NOT travelling from Mon-Fri or think that you cannot reach 8 trips for the week.

Here is how you can save money using Opal.


If I am using MyTrain weekly - I pay $35per week.
- the travel in the morning ($2.87) is OFF-PEAK price if you enter the station before 7AM


Normal trip per day: (home-->office-->home)
DAY            To work   Lunch    To Home
Monday:        $2.87                    $4.10
Tuesday:        $2.87                    $4.10
Wednesday:   $2.87                    $4.10
Thursday:      $2.87                    $4.10
Friday:           FREE                   FREE
Saturday:       FREE                   FREE
Sunday:         FREE                   FREE

Total Cost per Week: $27.88   (Still cheaper than MyTrain $35 weekly)


If I travel during peak hours in the morning and afternoon  ($4.10 one way trip  x 8 trips = $32.80 per week). I still save compare to $35 my train weekly plus I get to travel free from Friday-Sunday.



Traveling three trips a day:
DAY                To work   Lunch      To Home
Monday:          $2.87       $2.31       $4.10
Tuesday:          $2.87                       $4.10
Wednesday:     $2.87                       $4.10
Thursday:        $2.87                      FREE
Friday:             FREE    
Saturday:         FREE             
Sunday:             FREE

Total Cost per Week: $26.09


Travelling three trips a day:
DAY               To work    Lunch      To Home
Monday:         $2.87       $2.31         $4.10
Tuesday:         $2.87       $2.31         $4.10
Wednesday:    $2.87       $2.31        FREE
Thursday:        FREE    
Friday:            FREE    
Saturday:        FREE             
Sunday:          FREE             

Total Cost per Week: $23.74


The farther you are from the city, the more you save.


Suggestion:
- Travel single trip on train or bus during lunch break to the next station and walk back to your office.
- If you are short on time, take the train back to your station within 1 hr and you will only be charge as single trip.



Two benefits:
1. Short trip on train or bus means paying lowest fare that will help reach 8 trips as quickly as possible.
2. Gives reason for you to excercise (walking).


See you at the train station during lunch break :-)



SMH just publich yesterday on their news paper that even the Transport Minister has backed commuters who manipulate their travel to get the best deal out of their Opal card, potentially saving them, and costing the government, hundreds of dollars a year.

Read more: http://www.smh.com.au/nsw/transport-minister-backs-commuters-who-beat-the-opal-man-20140908-10dv5f.html

NABTrade is changing their brokerage fees starting Sept-22

Current pricing   Trade value Brokerage Up to and including $5,000 $14.95 $5,000.01 - $10,000 $14.95   $10,000.01 – $20,000 $29.95   $20,000.01 - $27,227.27 $29.95 Over $27,227.27 0.11% of the trade value   New pricing   Trade value Brokerage Up to and including $5,000 $14.95 (No change) $5,000.01 – $10,000 $19.95 (+$5.00) $10,000.01 – $20,000 $19.95 (-$10.00) $20,000.01 - $27,227.27 0.11% of the trade value (Up to -$7.95 depending on trade size) Over $27,227.27 0.11% of the trade value (No change)

All fees and charges are inclusive of GST, unless otherwise stated.

of nabtrade customers.

The new brokerage schedule will come into effect for orders executed after 10am on Monday 22 September 2014. The nabtrade Financial Services Guide will also be updated to reflect this change.

Tax effective: Top up your SUPER contribution

There are two methods of making additional contributions to your SUPER:

•   Before-tax : employer sontribution + salary sacrificed contributions
• Ask you employer if they can do salary sacrifice so they will automatically deduct a certain amount on your salary(how much you want to salary sacrifice) and they will deposit directly to your SUPER.  It is taxed at 15%
•   After-tax / technically referred to as ‘non-concessional contributions’
•  You may be eligible for the Government’s superannuation co-contribution scheme whereby the Government pays additional money into your superannuation account(if you meet the criteria)   https://www.ato.gov.au/individuals/super/in-detail/contributions/super-co-contribution/ 

Research on "salary sacrifice" and "Government’s superannuation co-contribution scheme"

What I do:
- I use before tax contribution to lower my accessible income and the portion I contribute is only tax at 15%.
- I use after tax contribution for my wife (not working) since she is eligible for the Government’s superannuation co-contribution scheme (the Government deposit additional $500 on her SUPER)


Caveat: I am not a tax expert or financial advicesor. Please consider if it is appropriate on your personal objectives and needs.

Boy Kuripot: Summary of Tips and Tricks

Sharing information about savings, tips and tricks.

- I will keep adding on the list for new saving tip and tricks.


Haircut:

• Boy Kuripot tip of the day: Cheap Haircut from $6.00 for men / $8.00 for women

Bank accounts: 

• Highest kids savings interest --> bankwest Kids' Bonus Saver
• Ubank Usaver online account - 5.71% interest (including bonus interest) - posted in 2012

Credit card:

• NEVER pay annual fees on your credit card

Train Fare:

• How to save on Train Fare (MyZone) - Obsolete

Phone:

Boy Kuripot tip of th day: Buy 1 take 1 Grill'd Burger (stadard burger) - voucher sent to SMS

Fill up the form and voucher will be sent via SMS.

Expires Sept 30 2014

Click Link to fill up the FORM ----> Grill'd Brger


T&C's
REGISTRATION FOR THE BIGSOUND 241 VOUCHER CLOSES ON SUNDAY 14TH SEPTEMBER – 23:59 AEST. YOUR VOUCHER WILL BE SENT VIA SMS TO YOU IMMEDIATELY SO GRAB A BUDDY! VOUCHER VALID AT ALL GRILL’D RESTAURANTS (NOT THE GRILL’D AIRSTREAM BURGER VAN). LIMITED TO ONE VOUCHER PER CUSTOMER. FREE STANDARD SIZE BURGER OF EQUAL OR LESSER VALUE. NO ADDITIONAL TOPPINGS. MUST SHOW AND SCAN UNIQUE BARCODED VOUCHER TO REDEEM. REPLICAS OR FORGED VERSIONS OF THIS VOUCHER WILL NOT BE ACCEPTED. NOT VALID WITH ANY OTHER OFFER. VOUCHER EXPIRES SEPTEMBER 30, 2014. YOUR INFO IS USED TO CONDUCT THIS PROMOTION AND MAY BE DISCLOSED TO SERVICE PROVIDERS AND AUTHORITIES AS REQUIRED. WE MAY ALSO USE YOUR INFO FOR OUR OWN MARKETING PURPOSES AND AS SET OUT IN THE CONDITIONS. IF THE INFO IS NOT PROVIDED YOU CANNOT REGISTER FOR THE PROMOTION. OUR PRIVACY HTTP://WWW.GRILLD.COM.AU/PRIVACY-POLICY/ CONTAINS DETAILS ON HOW INFO IS USED, HOW YOU MAY ACCESS/CORRECT INFO HELD AND OUR PRIVACY COMPLAINTS PROCESS. YOUR INFO WILL NOT BE DISCLOSED OVERSEAS.

GRILL'D Restaurant:

• Bondi Junction
• CBD, World Square
• Chatswood
• Crows Nest
• Darlinghurst, Crown St
• Darlinghurst, Victoria St
• Harbourside
• Macquarie Centre
• Neutral Bay
• Parramatta, Church St
• Rouse Hill
• Westfield Parramatta

FREE $5 USD on your PayPal Account

I applied myself but I am not sure if its validity or a spam or some sort of marketing campaign.

Click Direct link --->  Paypal


- Expires on 30th Sept
- The Certificate and IP match to PayPal and verified by Verisgn, but the icon isn't the same with Paypal.
 

- It's up to you to take the risk if you want to register or not.

Terms and Conditions
----------------------
Purchases made on international websites should be paid with the Visa, MasterCard or Amex credit card associated to the user's PayPal account. Purchases may be subject to taxes and/or fees. It is the user's responsibility to verify and pay for any additional fees as well as to ensure that the import of the product is allowed to his or her country of residence. The user should also be in agreement with the delivery schedule.

This PayPal coupon is non-transferable and valid for a single purchase from select merchants who accept coupons from PayPal. Coupon expires September 30th, 2014.

PayPal and/or 3rd party merchants reserve the right to cancel offers at any time without notice. 3rd party merchant offers may be subject to additional terms and conditions.
----------------------


I get this message after submitting my paypal email address:
----------------------
You're all set!
You will receive your offer via email within a week. In the meantime, find out where PayPal is accepted or shop daily deals at eBay.com.
----------------------


Once you get your free $5, time to look for $5 item to buy at ebay :-)

About Australian banks

Summary of links within this blog related to Australian Banks
- Information on the links  maybe outdated as it maybe posted on a later date.

Current post:
=================
Boy Kuripot tip of the day: Bank accounts / Credit card
Highest kids savings interest --> bankwest Kids' Bonus Saver


Related post:
================= 
NEVER pay annual fees on your credit card

Bankwest Kids Bonus Saver - 8.00% interest rate 
First Home Saver Accounts 

Things you need to do as soon as you arrive in Australia

Start earning BITCOINS the easiest way

What is bitcoin ? - answer in wikipedia
- you could als ogoogle bitcoin to know more information.

What I want to talk about here is on how to start and earn bitcoin the easiest way.


One way to have a bitcoin address is to register in one of the Digital Currency Exchange.

One example of Digital Currency  Exchange is CRYPTSY.

I register myself at Cryptsy to have my bitcoin(BTC) address or to have other digital currency address and be able to trade digital currency.

1. Register in Cryptsy.
Please use my referral code: https://www.cryptsy.com/users/register?refid=237131

2. Login in Cryptsy

3. Search for your Bitcoin deposit address
The (BTC)address is required to known where to deposit your Bitcoin.

Click "Balances"(found on top of your screen) -> Bitcoin  ->  Drop down list shows up and click "Deposit BTC" -> Look for the "Generate Deposit address" (this is your BTC address)
NOTE down your Bitcoind "Deposit address" as you will use that address a sa reference to deposit your Bitcoin.

--- You can look around later on how to trade digital currency in Cryptsy.

I  just want to know on how to earn bitcoin to start with as it seems to complicated if I want to mine digital currency and I don't want to buy digital currency using my own money for now if I am really serious about trading digital currency. I just want to have a starting point.


One way is mining digital currency but it is another whole topic to discuss and not as easy to explain .

What is the easiest way to earn bitcoin?
- the easiest way I found was to play captcha (enter random number / letter) to earn Bitcoin.
- Just enter the random number or letter and it generates number and earns you bitcoins.

The website is freebitco



Required to register:
- enter your BTC deposit address (from Cryptsy)
- create password
- email addres
- Referer code: 407612 (please add me as your referrer if you appriciate this information in my blog)


Start playing captcha in freebitco:
- play/enter captcha (random letters/numbers) every hour to earn BTC.
- Payouts will be sent to your Bitcoin wallet or Cryptsy weekly "IF" it reach your account balance is over the minimum of 0.00005460 BTC
- If you did not deposit, please enable Auto-Withdraw by clicking the appropriate button to get paid next week.

You can also use your winning in freebitco for betting to increase higher winnings. Even if you bet the bitcoin you earn and lost, still no money that comes out of your pocket.
What I do is I just play the regular captcha for now when I have free time or I remember to access the website (freebitco.in)

Once you accumulate more than 0.00005460 BTC by the end of the week, check your Cryptsy account to make sure it was deposited else maybe wait for another week.

Earnings may be small but at least it gets you started the easiest way to earn bitcoin without spending your own money. It only requires your time to browse and enter the captcha.


To check current bitcoin price: http://bitcoinprices.com/


Let me know if you have any inquiries from the information I provided.


Reminder: I do not promote gambling. Gamble/trade at your own risk.

Stocks: TAX in the Philippines and in Australia

-----------------------------
Philippines:
- broker fee and tax is already calculated or deducted every time you buy and sell shares

Australia:
- tax is not yet deducted when you buy and sell shares
- only brokers fee is deducted for every transaction (buy/sell)
- Since tax was not deducted, you need to file what ever gain or loss during tax filing
-----------------------------

Dominos Pizza coupon/discount

 Dominos Pizza

* Traditional  and Chefs Best Pizza $6.95 pick up
code:  35344

- Only available at selected stores
- Expires 31-12-2014
- Use code until error or expired

About Stock / Share in Phil/AUS

Summary of links within this blog related to stocks/share.
- Information on the links  maybe outdated as it maybe posted on a later date.


Current post:
=================
Stocks: List of brokers in Philippines / Australia
Stocks: TAX in the Philippines and in Australia



Related post:
=================

Boy Kuripot tip of tha day: Join Auto club for free and save

Join Free Supercheap Auto Club Plus Membership with $10 Bonus Credit

Signup Link: https://www.supercheapauto.com.au/free-signup

Offer ends 21_Sept_2014

I am already an existing member and sometimes they give out $5-$10 credits to members for use or to attract customer to visit their shop.

Example message after joining

------------------------------------------

Thank you for joining Club Plus - we are happy to have you on board!

You will receive an activation email shortly. Please follow the prompts in this email to activate your online account.

Your $10 sign up credit will be available on your Club Plus account shortly

Happy shopping

------------------------------------------

FREE (NSW residents) membership on City of Sydney Library (save $15)

Free membership for all NSW residents for 3 years. After 3 years you may renew again and said it ws also free to renew. We don't know if the policy will chang after 3 years.

Note: Membership "was" $15 for one year "before". This is a saving of $15. They shoukld not as kfor fee anyway as it should have been paid by the people thru TAX.



Click here to join:
http://library.cityofsydney.nsw.gov.au/opac/JoinWiz.aspx

- pickup your card at one of the staffed branches


Benefits:
- Borrow  DVD's
- Borrow music CD's
- Access to Ancestry.com free to use
- Free magazine to read at the library

- Access to eLibrary (great for students / research)
- FREE Wifi in all the branches with 500mb limit per day

Benefits are typical services which are free from your local library.


City Of Sydney usually charge to be a member. Now it is FREE.

What I like most id the FREE WIFI as it is difficult to find FREE wifi in Sydney.
- Good for those who cannot afford data plan but interestingly can afford to buy a smartphone or tablets :-)

Branch I love to visit is the Custom House at Circular Quay

Customs House

31 Alfred Street Circular Quay NSW 200102 9242 8555 TTY: 02 9242 8575 (hearing impaired people)library@cityofsydney.nsw.gov.au

Monday to Friday: 10am to 7pm Saturday and Sunday: 11am to 4pm Closed on public holidays.