3 hours talks - Internet 4 Success

Refer Someone to this Website and You Earn USD$1.00 - It's that simple!

2008-02-28T04:28:00.000-08:00

Hi,

You need to move quickly on what I'm about
to tell you. If you have a list you will make
money TODAY.

I'm giving you a very *BIG* 'first mover' advantage
on a new Andrew Fox project.

It's called the "Affiliate X Factor" Report, its free,
and you earn $1.00 for every subscriber you refer and
$0.50 on the 2nd tier.

Yes, you read that right! You don't need
to make ANY sales - Andrew will pay you for each person
who downloads his free report.

Sign up at:

~~> http://xfactoraffiliate.com/go.php/65603

It also cookies your subscriber with your Clickbank ID
so when Andrew releases the "full" Affiliate X Factor
coaching program in 3 weeks *YOU* also get credit
for the front and back end sales. (Fat Recurring
Clickbank commissions!!!)

All the big names are about fire their guns in the next
24 hours...

But you need to move quickly as my good friend,
and monster affiliate, Andrew Fox is paying
you $1.00 for everyone you send who opts in
and grabs his NEW free report:

"X Factor Affiliate"
~~> http://xfactoraffiliate.com/go.php/65603

You'll also get $0.50 for every subscriber
THEY send for you.

TALK ABOUT A NO-BRAINER!

Best Wishes,

Lukman Yusoff Bin Osman

P.S. Remember, even if you make
*NO* sales of the product, Andrew will
still pay you $1.00 for each subscriber
you send, plus $0.50 on the second tier
(that's 50 cents everytime one of YOUR
subscribers refers someone else!)... Awesome!!

~~> http://xfactoraffiliate.com/go.php/65603

MEG 'N' IDEAS
Blk 68 Geylang Bahru
#15-3213
Singapore 330068
Singapore
--
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sent email to lukman@megnideas.com

My Bloglog Signature

2008-01-21T23:36:00.000-08:00

Lukman Yusoff Osman Principal Consultant MEG 'N' IDEAS No. 5 Jalan Titiwangsa 11 Taman Tampoi Indah Johor Bahru, Johor, 81200 MY	Work: +60167591153 Mobile: +6593363561 lukman@megnideas.com http://www.megnideas.com
Thoughts Become Things
Visit MyBlogLog and get a signature like this!

Let's Look At "MONEY." What Is It?

2008-01-21T23:08:00.000-08:00

Let's Look At “Money.”
What Is It?

1. Money is a reward you receive for the service you render.
The more valuable the service, the greater your monetary reward. Thinking
of ways you can be of greater service will not only help you earn more
money, it will also enable you to grow intellectually and spiritually.

2. Money is just an idea.
The paper you fold and place in your purse or pocket is not money. It is
paper with ink on it. It represents money, but it is not money. Money is
an idea. The earning of money has nothing to do with the paper stuff. It
has to do with consciousness. It has to do with spirit.
I am aware there are books that instruct you on how to manipulate the
market, stocks and people ... they might even help you get money. But,
let me caution you ... where there is no spiritual consciousness as to how
money works ... there is no spiritual strength ... there is no lasting happiness
... and, as a result, there is no real wealth.

3. To accumulate wealth, a person
must become very comfortable
with the idea of money.
That may sound strange, however
most people are not comfortable with
the idea of money, which is why they
do not have any. The cause of poverty
is poverty consciousness. A poverty
consciousness will cause a person to
see, hear, smell, think, and feel lack
and limitation.
The late Mike Todd said, "Being
broke is a temporary situation. Being
poor is a mental state." He was correct.
There are wealthy people who lose
every cent they have through a series
of mistakes in judgment ... but that
does not make them poor. They will
have it all back in a short time because
of their prosperity consciousness.

Feel free to comment on this article. I read most of the comments in this website/blogs.

Make Money Today - It is a SCAM

2008-01-16T04:16:00.000-08:00

Internet Marketing is hard!

Is it TRUE?!

That's a good one. You might think I'm a little arrogant in saying that since I make a few thousand dollars online, but it's the cold, hard truth. It really isn't hard. Let me prove it to you. Here's how you start making money today.

1. Pick a topic
2. Go to Google and search for this... "topic" private label eBook
(Now some of you can't find a private label eBook on your topic... quit whining and pick a
different topic!)
3. Buy the private label product (duh!)
4. Get a ClickBank Account
5. Add your product to ClickBank
6. Edit the sales letter of your private label package with your payment link from ClickBank
7. Get a domain name
8. Buy from Global Domains International (GDI)'s hosting package for $10.00 a month
9. Upload the package to your hosting account
10. Buy traffic from Google AdWords.

(Oh, I know some of you whining again about not knowing how to use Google AdWords.
Here's a hint... Read the instructions. They have several hours worth of video tutorials
there. Here's another hint... you'll never know how to use it unless you try it.)
http://www.google.com/Adwords/learningcenter/

11. Get 1000 people to go to your site
12. Track your conversions
13. Now tweak the headline
14. Send another 1000 people to it
15. Rinse and repeat
16. To be specific, repeat until you are making $300-$1000 net profit from this one product.

Ok, so some of you may be thinking, "Well what about a website?" Most "private label products come with the product, the salesletter/website and many times even the thank you page or download page after the sale. These products are also digital so, there's no need to ship anything.

Visit my website at http://www.megnideas.com for more information.
Alternatively, you can write to me for advice at lukman@megnideas.com

Great PLR content for nothing is a reality after all

2008-01-14T16:51:00.000-08:00

Great PLR content for nothing is a reality after all
I've been doing a lot of reading lately about Private Label Rights (PLR) content. I used to think that it was only for lazy people who didn't want to do their own writing. But as I learn more, I've come up with lots of great ways I can use PLR in my own business.

If you don't know what I'm talking about, PLR is content that you get from the original author along with their permission to use it as your own. So you can get a great report, put your name on it and have your own product to sell or give away!

The first couple of products I created using PLR only took me about half an hour. There have been a few sales so far from them so that was definitely time well spent.

When searching for PLR content to use, I found there were a lot of different types of sites available. Some offered monthly memberships and others offered just one time purchases. So be sure to look around before you decide where to buy.

The site I found that was by far the best was PLRWholesaler. Not only do they have an unbelievable amount of content, but it's completely FREE. Most sites charge an arm and a leg for the amount of content that this guy is giving away.

And although I haven't been through everything yet, what I have read is very good quality. It's stuff you would actually want to use as your own.

Since it's free, I highly recommend that you check out PLRWholesaler and see if they have anything that you can use in your business. There just may be an ebook or audio recording that you could quickly brand with your information and start selling to your list.

Check it out and let me know what you think...

http://www.plrwholesaler.com/download/clk.php?pid=2&a=8849

Fundamental course on making money online

2007-12-18T00:18:00.000-08:00

I conduct a three hours fundamental course on making money online at your location. My rate is $100 for a block of 3 hours. The topics covered:-

1. What is netweb marketing?

2. Learn how you can make money online using these methods:-

a. pay-per-click

b. pay-per-post

c. pay-per-lead

d. post articles for money

e. post video and get paid

f. affiliate marketing

g. adsense - be a webmaster/publisher and get paid

h. sell items via the internet - through your own website, eBay, e-classified, forums

i. build your list through social website e.g. friendster, multiply, myspace etc.

j. traffic generation - buy leads, superstars/celebrities endorsement,

k. open a paypal and clickbank account

You will be coach to success and you will get email support for free during the next three months after your training.

For more information and bookings for classes, email me at lukman@megnideas.com or call 93363561 or +60167591153

To your success and financial freedom,

Lukman Yusoff Bin Osman

http://www.internet4success.com/

The Meaning of the Basmallah

2007-12-14T19:34:00.000-08:00

21722: The meaning of the Basmalah, and the ruling on staring with it when one 
reads Qur'aan 

Question: 

What is the meaning of the Basmalah [the Arabic words Bismillaah il-Rahmaan 
il-Raheem (In the name of Allaah, the Most Gracious, the Most Merciful)]? 

And what is meant by the words "Iqra' bismi Rabbika" (Read (or recite) in the 
name of your Lord _ [al-`Alaq 96:1 _ interpretation of the meaning])? 


Answer: 

Praise be to Allaah. 

When one says "Bismillaah" when starting to do anything, what that means is, "I 
start this action accompanied by the name of Allaah or seeking help through the 
name of Allaah, seeking blessing thereby. Allaah is God, the beloved and 
worshipped, to Whom hearts turn in love, veneration and obedience (worship). He 
is al-Rahmaan (the Most Gracious) Whose attribute is vast mercy; and al-Raheem 
(the Most Merciful) Who causes that mercy to reach His creation. 

It was said that what this means is: I start this action by mentioning the name 
of Allaah. Ibn Jareer (may Allaah have mercy on him) said: "Allaaah, may He be 
exalted and His name sanctified, taught His Prophet Muhammad (peace and 
blessings of Allaah be upon him) proper manners by teaching him to mention His 
most beautiful names before all his actions. He commanded him to mention these 
attributes before starting to do anything, and made what He taught him a way for 
all people to follow before starting anything, words to be written at the 
beginning of their letters and books. The apparent meaning of these words 
indicates exactly what is meant by them, and it does not need to be spelled 
out." 

There is something omitted in the phrase "Bismillaah" when it said before 
starting to do something, which may be "I begin my action in the name of 
Allaah," such as saying, "In the name of Allaah I read", "In the name of Allaah 
I write", "In the name of Allaah I ride", and so on. Or, "My starting is in the 
name of Allaah", "My riding is in the name of Allaah", "My reading is in the 
name of Allaah", and so on. It may be that blessing comes by saying the name of 
Allaah first, and that also conveys the meaning of starting only in the name of 
Allaah and not in the name of anyone else. 

The name of Allaah is the greatest name and is so well known as to need no 
explanation; this is a name that belongs exclusively to the Creator and no one 
else. The correct view is that it is derived from the root aliha. He is God 
(ilaah) which means that He is worshipped and is divine. 

Al-Rahmaan is one of the names of Allaah that belong exclusively to Him. It 
means the One Who possesses vast mercy, because this form (fa'laan) is 
indicative of fullness and abundance. It is the most exclusive name of Allaah 
after His name Allaah, just as mercy is His most exclusive attribute. Hence this 
name (al-Rahmaan) often appears after the name Allaah, as in the aayah 
(interpretation of the meaning): 

"Say (O Muhammad): Invoke Allaah or invoke the Most Gracious [al-Rahmaan] 
(Allaah)" [al-Isra' 17:110] 

Al-Raheem is also one of the names of Allaah, and means the One Who causes His 
mercy to reach those whom He wills among His slaves. 

Ibn al-Qayyim (may Allaah have mercy on him) said: "Al-Rahmaan refers to an 
attribute that is connected to Allaah and is part of His Essence, and al-Raheem 
refers to a connection with the one to whom mercy is shown. The former is 
adjectival (referring to what He is) and the latter is verbal (referring to what 
He does). The former indicates that mercy is His attribute, and the latter 
indicates that He bestows His mercy upon His creation. If you want to understand 
this then ponder the meaning of these verses (interpretation of the meanings): 

"And He is Ever Most Merciful (Raheem) to the believers"[al-Ahzaab 33:43] 

"Certainly, He is unto them full of kindness, Most Merciful (Raheem)" [al-Tawbah 
9:117] 

The word al-Rahmaan is never used in this context. So we know that the word 
Rahmaan means the One Whose attribute is mercy (rahmah), and al-Raheem is the 
One Who bestows His mercy." 

(Badaa'i' al-Fawaa'id, 1/24). 

Secondly: 

The ruling on saying the Basmalah before reading Qur'aan depends on the 
situation: 

1 _ If it is at the beginning of a soorah _ apart from Soorat Baraa'ah 
(al-Tawbah) _ then the majority of imams have stated that "it is mustahabb to 
recite the Basmalah at the beginning of each soorah, in prayer or otherwise. 
This should be done as a regular practice, and some of them considered that a 
reading of the whole Qur'aan is incomplete if the Basmalah was not recited at 
the beginning of every soorah apart from Baraa'ah (al-Tawbah)." When Imam Ahmad 
(may Allaah have mercy on him) was asked about reciting it at the beginning of 
every soorah, he said, "Do not neglect it." 

2 _ If one is starting in the middle of a soorah _ which is the case asked about 
in the question _ then the majority of scholars and Qur'aan readers say that 
there is no reason why one should not start with it. It was said to Imam Ahmad, 
after he had said that it should not be omitted at the beginning of the soorah, 
"What if a person starts reading partway through a soorah?" He said, "There is 
nothing wrong [with saying the Basmalah]." Al-`Abaadi narrated that al-Shaafa'i 
(may Allaah have mercy on him) regarded it as mustahabb (to say the Basmalah, 
when starting to recite) partway through a soorah. 

The Qur'aan readers said: It is certain that one should say the Basmalah if the 
aayah which will be read after saying it contains a pronoun that refers to 
Allaah, such as the verses (interpretation of the meanings): 

"To Him (Alone) is referred the knowledge of the Hour" 

[Fussilat 41:47] 

"And it is He Who produces gardens" 

[al-An'aam 6:141] 

because otherwise, if one recites these verses after seeking refuge with Allaah 
from the Shaytaan, the pronoun may appear to refer to the Shaytaan which would 
convey an abhorrent meaning. 

3 _ Reciting the Basmalah at the beginning of Soorat Baraa'ah (al-Tawbah); there 
is hardly any dispute among the scholars that doing this is makrooh (disliked). 

Saalih said concerning some issues that he narrated from his father Ahmad (may 
Allaah have mercy on him): "I asked him about Soorat al-Anfaal and Soorat 
al-Tawbah, whether it is permissible for a man to separate them by saying 
Bismillaah il-Rahmaan il-Raheem. My father said: `With regard to the Qur'aan, 
reference should be made to what the companions of the Messenger of Allaah 
(peace and blessings of Allaah be upon him) were agreed on; nothing should be 
added to or taken away from that.'" 

4 _ Reciting it partway through Soorat al-Baraa'ah (al-Tawbah). The Qur'aan 
readers differed concerning that, as was narrated by Ibn Hajar al-Haythami in 
al-Fataawa al-Fiqhiyyah (1/52), and he said: "Among the leading Qur'aan readers, 
al-Sakhaawi said that there is no dispute that it is Sunnah to start with the 
Basmalah when one starts reading partway through this soorah [al-Tawbah], as he 
differentiated between starting at the beginning and starting in the middle, but 
his explanation was facile and was refuted by al-Ja'bari from among the Qur'aan 
readers. This is more likely (i.e., the view that it is makrooh is more likely 
to be correct), because the reason why the Basmalah should not be recited at the 
beginning (of al-Tawbah) is that it came with the sword (i.e., the command to 
fight the kuffaar) and it exposes the hypocrites and their foul deeds in a 
manner that is not unlike any other soorah, and this theme is repeated 
throughout Soorat al-Tawbah. Therefore it is not prescribed to recite the 
Basmalah even if one starts reciting partway through this soorah, just as it is 
not prescribed at the beginning, for the reasons we have established." 

See al-Adaab al-Shar'iyyah by Ibn Muflih, 2/325; al-Mawsoo'ah al-Fiqhiyyah, 
13/253; al-Fataawa al-Fiqhiyyah al-Kubra, 1/52 

Thirdly: 

With regard to the meaning of the words, "Iqra' bismi Rabbika" (Read (or recite) 
in the name of your Lord _ [al-`Alaq 96:1 _ interpretation of the meaning]), 
Imam Ibn Jareer (may Allaah have mercy on him) said: "The interpretation of the 
words `Iqra' bismi Rabbika' is that they were addressed to Muhammad (peace and 
blessings of Allaah be upon him), in other words, Read, O Muhammad, by 
mentioning the name of your Lord (Who created)." 

And Allaah knows best.

-----

Financial Planning Tips

2007-08-27T18:09:00.000-07:00

Financial Planning Tips

How much should I save for my retirement?

You should save 10% to 15% of your regular earnings for your retirement. This is separate from your savings to pay for the purchase of your home or your children's needs.
You can count your savings in the Central Provident Fund (excluding the portion used to pay your home loan or set aside for medical expenses) as part of this savings.
If your net saving in the Central Provident Fund is inadequate, you should make additional savings for your retirement. Most people try to save at least 10% of their regular savings, in addition to their Central Provident Fund savings.

How much life insurance do I need?

If you have dependents, you should have life insurance for 5 to 10 years of your earnings. If you earn $30,000 a year, you should have life insurance for $150,000 or more.
It is better to buy a decreasing term assurance. At age 30, you can buy a 30 year decreasing term assurance for $150,000 for only $165 a year (male) or $115 a year (female). This insurance covers you for $150,000 during the first year and reduces by $5,000 in each subsequent year.
After 30 years, you will probably have accumulated sufficient savings to take care of your family or your own future needs. By that time, life insurance is not necessary.
If you buy a level term assurance to cover $150,000 for 30 years (i.e. the insurance does not reduce), the premium is $280 a year (male) or $195 a year (female).

How should I invest my savings?

You should invest in your savings in a large, well diversified, equity fund. An equity fund can give you a higher return compared to other types of investments, such as bonds or cash.
By investing in a diversifed fund, you reduces the risk of loss from a few bad investments. As the other investments may perform better, the average return for the fund should follow the market.
You should also invest for the long term, i.e. for 10 years or more. The investments will perform very well in some years (e.g. give a return more than 15%) and may perform badly in other years (e.g a negative return). By investing for many years, you will average out the good and bad years.
Over the past 20 years, the global equity market earned an average return of 10 percent per annum. In the future, the return may be more lower, say 6% to 8% per annum, but it is still very attractive.
You should also choose a fund that have a low upfront fee and a low annual fee. This allows you to keep most of the market gains. You should not allow the fund manager or the financial adviser to charge high fees, as they have to be paid from your investment gains.
If you invest in a fund that have low fees, compared to a fund with high fees, the difference in the your return can be as much as 20 percent over a period of 30 years.
NTUC Income offers several large, well diversified funds with probably the lowest fee in the market. You can choose an equity fund or a combined fund (i.e. equity and bond).

Should I buy a whole life or endowment policy?

An endowment or whole life policy provides the protection and savings in a bundled product. It gives a modest net return of about 3% to 4% per annum. It is inflexible, and requires you to pay the premium regularly over the duration of the policy.
Many people prefer a more flexible plan and earn a higher return.
You now have the option to buy a low cost term insurance to cover your protection needs and to invest your savings in an investment fund. You have flexibilty to change your savings and to make withdrawals, without penalty. You can also change the investment fund.

What age should I retire?

You should work for about 40 years, so that you can accumulate sufficient savings to meet your financial needs during the next 15 to 20 years of your life. Most people start work around age 25. They should aim to retire at around age 65.
If you save 10% of your earnings and invest wisely, you should have sufficient savings for a basic lifestyle. You should save 15% of your earnings, if you aim to have a more comfortable lifestyle during retirement.
At the time of retirement, you should have accumulated savings representing 6 to 10 years of your earnings, plus a fully paid home. If your annual earning is $50,000, you should have accumulated savings of at least $300,000.
If your accumualted savings is inadequate, you should work a few years longer. If you have to retire earlier, you should accept a more modest lifestyle.
It is better to save a larger portion of your earnings, if you can. Do not spend too much on your home, car or other expensive items.

Where can I get financial advice?

You can also talk to me, your financial consultant, who can visit you at your home. The financial advice is FREE. My contact is 93363561 or +60167591153. I can be reached via email at lukmanyusoff@hsbcinsagency.com.sg or lukmanyusoff@gmail.com

2007-08-21T21:45:00.000-07:00

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3 hours talk - Internet 4 Success - Let's GO!

2007-08-20T11:33:00.000-07:00

Objective of 3 hour talk - "Internet 4 Success."
To immediate jump-start your capability to earn money through Internet marketing. You will learn the how-to, tools to use, the baby steps to take to produce results and a few useful e-books will be given away free worth $1047.

Introduction
Why Internet marketing works for me? You will be asked to give 10 good reasons to do so. Prompter and answer will be given. Everyone's a winner. The potential are huge. Today, there are 191 million users of myspace.com and 244 million users of Ebay. 1% of these?? WOW!

Channels - You will learn the how-to
1. Your passion = your website = income
2. Sell ebooks or info product at Ebay. Let's make a simple arithmetic. USD1 to 1% of 244 million users is equal to USD$2.44 million within weeks!!
3. Be a super affiliates - sell other people's products.
4. Sell your brick-n-mortar products online.
5. Earn through Google Adsense websites. $50 per month x 1000 websites = USD$50,000 p.m
6. Built your LIST - the money is in the lists.
7. Be a part owner of the latest trend in the Internet e.g. Yuwie, The Videosense, Take IT Back. One day, when these companies get listed or bought by giants like Yahoo, MSN or Google, we will be USD$50k or USD$80K richer overnight.

Drive traffic to your website
1. Email marketing
2. Forum posting
3. Join egroups
4. Join social network websites - share the same passion
5. Buy advertising I. PPC ii. Traffic exchanges
6. Membership site
7. Google Adwords
8. Joint Ventures e.g. Giveaways n OTO
9. Endorsement by well-known 'gurus'.

Conclusions
You will be given three money-making projects to start immediately to walk the talk.
I will encourage that these pioneer group to synergy our efforts for maximum results by joining my group @ http://thoughtbecomething.multiply.com/ and meet regularly e.g.. Weekly to update and resolve outstanding issues and challenges.

This article has been posted to my blog @ http://wellness-team.blogspot.com/

Regards,
Please cc me a copy when you send this out to your mailing list/invitees. Thanks.

At your service, always

Lukman Yusoff Bin Osman
http://megnideas.multiply.com/
+60167591153
+6593363561