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.
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What kind of rewards can I get?
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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.
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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.

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.

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.

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:

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

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:
=================

Stocks: List of brokers in Philippines / Australia

-----------------------------
Philippines
http://www.pse.com.ph/stockMarket/tradingParticipants.html?tab=2

Australia
http://www.infochoice.com.au/investment/investment-broker/online-brokers.aspx
http://www.asx.com.au/prices/find-broker.htm
-----------------------------

Boy Kuripot tip of the day: Bank accounts / Credit card

Boy Kuripot tip of the day: Bank accounts / Credit card

* Don't pay monthly fees on bank accounts

- most banks waive their monthly fees if you deposit 1k to 2k monthly.

- It doesn't say you are not allowed to spend the money that you deposit. You can spend the money next day.

- don't worry if you don't have monthly income to deposit or does not have 1k-2k to deposit. You can recycle your 2k.  Deposit 2k for the month and withdraw the money before the end of the month and use it as a depositfor next month and repeat.

* Open kids savings accounts. It has higher interest rate than online savings account.
http://yzzymae.blogspot.com.au/2014/08/highest-kids-savings-interest-bankwest.html

* Get credit card with NO annual fee
http://yzzymae.blogspot.com.au/2014/08/i-tried-coles-credit-card-and-bankwest.html

Highest kids savings interest --> bankwest Kids' Bonus Saver

Bankwest kids saver so far has the best interest rate I could find for kidssavings.

Non-taxable as long as it does not earn more than $416p.a.
https://www.ato.gov.au/Individuals/Families/Investing-on-behalf-of-children

BW Kids Bonus saver has maximum of 5.75%p.a. interest / bonus interest (variable)

• earn the Bonus rate each month $25-$250 is deposited and no withdrawals are made
• no account fees
• link to a Bankwest Children’s Savings Account

Link:http://www.bankwest.com.au/personal/savings-term-deposits/savings-accounts-term-deposits/kids-bonus-saver


Catch:
Every year, the entire savings will be transferred to Children’s Savings Account with lower interest rate.

What I suggest is to transfer the savings to another savings account (preferably online savings account as it has higher interest rate). I would suggest to look at Ubank for its high interest rate and flexibility to move in/out the money freely. USaver + Ultra has 4.17% interest rate as of this writing.
https://www.ubank.com.au/savings-accounts

Another option is to automate/schedule transferring at least $50 every month from children savings to Kids Saver account for the entire 12 months.


If you find better interest rates, let me know :-)

Interested about Forex Trading?

Checkout UnliTrader if you are looking for Forex trading advice that recommends currency pairing to trade.

Link to Mark So FOREX FREE webinar (Free util Sept_30_2014)
Link to UnliTrader
Link to UnliTrader tutorial
Link to UnliTrader Performance Result 



Background (Mark So)
Unlitrader by Mark So is a paid FOREX service that gives recommendation on what to trade. You need to pay for the service (SingelTRader or UnliTrader).
Mark is the Founder and Chief Forex Trainer of <a href="http://www.forexclubasia.com/" target="_blank"> Forex Club Asia</a><br />
Forex club Asia provide "PAID" seminars.

I, myself don't like paying for seminars or it is difficult to decided if this is legit or am I wasting money to attend seminars.

For a limited time, he is now proving FREE webinar (up to Sept-30-2014)
The Training Will Be Via "Watch-Anywhere-Anytime-Recorded Videos"

If you are interested on the FREE webinar, click on this link : Mark So FREE webinar



I registered and it ask for "name" and "email address". Once you input your name and email, it redirect you to the page to watch the video.
I don't have time now so I cancel it.  I try to register again with same name and email and it goes to the page to watch the video.

He promote his UnliTrader service on the 4th video.


Webinar content:
===========================
1. How To Turn Headlines Into Trades:
2. How To Validate Trades Using Technicals
3. How To Manage Your Money: The 3 Phases of Money Management
4. How To Trade With The Unlitrader  
===========================

Click link if want to know the performance of UnliTrader service: <a href="http://www.unlitrader.com/dap/a/?a=1365&p=http://www.unlitrader.com/performance-results" target="_blank">UnliTrader Performance Result</a><br />


Free is FREE...
Not necessary to register for the UnliTrader service. Take what you can learn from the Forex webinar.

Forex trading is high risk compare to stock trading/investment.

If you heard anything bad or any negative regarding UnliTrader or about Mark so, please post it back here or let me know so everyone will be aware/vigilant about this service.

Caveat:
Be vigilant and do your own research if forex fits your investment plan.
It's your money, your call.

Visit UnliTrader




Link to UnliTrader
Link to UnliTrader tutorial

Bankwest Kids Bonus Saver - 8.00% interest rate

Highest rate when I open an account for my daughter was 10% interest.

Current Kids saver interest rate: 8.00%p.a.

Still highest interest rate as far as other kids savings account.

- Bonus interest (variable) 

- 8.00% p.a. variable bonus interest rate with no account fee.

- bonus interest paid each month when $25-$250 is deposited and no withdrawals are made

- link to a Bankwest Children’s Savings Account

Note: at the end of anniversary (1 year after opening the account), it will automatically move all the funds to a Bankwest Children’s Savings Account which has lower interest rate.

What I would do is transfer all the funds every anniversary to a term deposit or maybe buy stocks or transfer it to a higher online savings acccount.


I would still continue to save at the  Bankwest Kids Bonus Saver and transfer the funds including the interest earned every anniversary.

I would setup an automatic transfer on my payroll account of $250 every month a day after I open the account to get the maximize the interest rate I can get and for me not to forget on depositing funds every month.


Note: There is a limit of interest earned for kids. Refer to ATO for the limit of income earned by a child.

Website: http://www.bankwest.com.au/

Compare your Salary

http://www.livesalary.com.au/

Melbourne Homeshow - Half Price Weekends - Melbourne Exhibition Centre

www.melbournehomeshow.com.au
Enter coupon code to get half price ticket for Saturday and Sunday.

Code: HOCKINGSTUART

Where to get a FREE copy of credit report

Applying for credit ALL goes to your credit file.

If you apply for a loan or balance transfer was recorded to your credit file frequently, that may cause your credit history at RISK as they only recored how many times you apply but not recorded if you were approve or declined.

It is not always good to apply for credit.
Apply only when needed as the ability to buy a house or start a business often depends on your credit history.

Check your credit history:

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

VEDA

www.mycreditfile.com.au

or

http://www.mycreditfile.com.au/home/free-credit-file.dot

I find it difficult to request for FREE credit report with VEDA.
Tried calling them and I was put on hold for a bit of time and decided to go with D&B which has online application form

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

D&B has online facility to apply for FREE credit report:

https://www.dnbcreditreport.com.au/my_standard_request/index.aspx

- report can be sent via email

Free Entry to Home Buyer and Property Investor Show - Sydney (20-22July 2012)

Home Buyer & Property Investor Show

www.homebuyershow.com.au

When:  20-22 July 2012
Where: Sydney Convention & Exhibition Centre

Fee: $18 for tickets purchased at the door or $12 for tickets purchased in advance via the website.



USE code "DOMAIN" in promo code to get FREE tickets.

They will provide ticket in pdf format and send via email.

Get $200 from Belldirect for your first trade (must be NRMA/RACV member)

NRMA/RACV Members will receive $200 cash in their Bell Direct account.

- open a new trading account with Bell Direct and place your first trade.
(NRMA/RACV Members who are already Bell Direct clients are not eligible for the $200.)

Once your trade settles, we'll then give you a one-off $200 cash deposit in your trading account which you can use towards brokerage fees or the purchase of shares.

https://www.belldirect.com.au/nrma