Make People Sleep To Make Money?

Posted by Kris | Wednesday, May 22, 2013 | | 0 comments »



Unbelievable but true. I did some research and found that sounds that make you sleep can actually earn you some serious dough online. This is unorthodox way of making money, but if you if built a very niche market out of it, the profit can be handsome because the production cost is very cheap. 

As the www.knowthymoney.com blog is about making money. I want to give awareness on any money making ideas to all my fellow readers.

You will only need some good marketing skills to sell your sleep product. Heck, I even heard some of the videos is actually someone reading a script with his/her monotonous or melodic voice. 

Unfortunately, my voice ain't that pretty.

I found this good website that provide free & royalty free high quality sound files to whoever needs them to build their own multimedia production.Besides making the "sleep sound money"



I extracted something info on this on how making people sleep can make money!!

"Our Sound Effects Can Actually Make You Money"

Currently...there is a new trend on YouTube that is becoming extremely popular and very, very lucrative --- It is known as "Sleep & Relaxation" videos.


If you do a search, you will see that these videos are getting thousands of hits daily by people around the world who live in big cities and want to escape to the country-side to quietly listen to birds happily singing in the forests...or fall asleep to the relaxing  and repetitive sounds of ocean waves...rain drops...and babbling brooks.

These people need your YouTube video experience to help them sleep.


With our specialized sound effects, not only can you can create hours of relaxing ocean waves, and rain storms videos  but now - you can also use our royalty-free movie clips of breath-taking beaches tropical forests and stunning wild-life.

Come see for yourself.

As our guest...you'll be able to choose from 1000s of sound & movie clips. 
• You'll get instant access to our Huge video and sound effects library. 
• Continuous looping so you can create minutes or hours of audio/video. 
• 100% Royalty-Free: all clips can be used for personal or commercial use.


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Interbank Internet Transfer Money is Now Only RM0.10!!

Posted by Kris | Saturday, May 11, 2013 | | 0 comments »

Kudos to Bank Negara to give this directive to encourage internet banking. It used to cost like RM1 - RM2 depending on banks to transfer money from one bank to another (aka interbank transfer). I bet the banks made alot of money thru these transfers as a service to their customers.

But now they can only charge RM0.10!! Hooray to customers. There is a catch though, from what i remembered there will be additional charges to those bank cheque users.

Nevertheless, as Malaysians get internet savy this is a welcome move by Bank Negara.



CIMB offers something extra. There is the instant transfer where you supposely can see the name of the beneficiary when you key in the accounts. This is a good feature actually, as usually you have no way of counter-checking interbank transaction's account information. I have not yet try it out though. Soon. If this is true, then hooray.

Of course this service is no longer RM0.10 :p



Facts you need to know:
CIMB Clicks internet banking helps you transfer funds easily. Whether it's topping up your own account or paying others, you'll never have to worry about the risk of handling large amounts of cash. There are two types of funds transfer services offered via CIMB Clicks:
  • Interbank GIRO (IBG)Enjoy the convenience of transferring funds between your own CIMB accounts, third party CIMB accounts?? or to any participating bank accounts via Interbank GIRO. The IBG service lets you transfer funds of up to RM5,000 per day from your CIMB Clicks account to selected accounts in any MyClear member bank.

  • Instant Transfer (IBFT) 
    Need to transfer funds urgently? Worried that you might key in the wrong account number? With Instant Transfer*, transferring funds is fast and simple! Upon keying in the beneficiary account number, the name of the account holder will be displayed so you know your money is going to the right person. Funds will be sent immediately to the recipient's account upon confirmation.
*Instant Transfer is applicable to selected MEPS (Malaysian Electronic Payment System) participating banks.
Transaction limit



Transfer Charges
Debiting Account Type
Transfer Charges
IBGInstant Transfer
All Savings & Current AccountsRM0.10RM2.00
Schedule Transactions for all Savings & Current AccountsRM4.00

Transfer Schedule
Transfer DayTransfer TimeFunds Available at Beneficiary Bank
IBGInstant Transfer
Monday - FridayBefore
12:00 noon
Same dayImmediate
After
12:00 noon
Next business dayImmediate
Saturday, Sunday, Federal Territory Public HolidayAnytimeNext business dayImmediate


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BLACKDAY For Malaysia 6 May 2013 (605)

Posted by Kris | Monday, May 06, 2013 | | 2 comments »

GE13 has the most highest voter turnout history of Malaysia that is 80% (close to 13 million Malaysians voted). This shows that the rakyat wants to have a say on the direction and leadership of the country.

The GE13 election result came in very late. (especially on Pakatan previously controlled states) I had to went to sleep with the hopes that a fair & clean election will enable Malaysians to democratically select their government of choice. Pakatan Rakyat was unofficially leading in most states.

Amidst Facebook postings and videos of various non-Malaysians trying to "vote" on our behalf and a lot of magical blackouts during recount that turn the tide to the other side. A lot of storys of ghost busters.



When I woke up this morning, bad news really hit me like the migraine that I had. A lot of the unofficial wins turn out to be otherwise, some even with very slim margins and Pakatan Rakyat did not manage to form the government :(


Even though Pakatan has more support than the govt in terms of number of voters (see above), but because the way the Parliamentary seats are divided, any party can win more seats without exactly winning more voters. There are some seats that have total voters like ~8000 (rural) while some seat have like ~50,000 (urban) eligible voters.  

SO the NO-brainer is actually targeting those many pockets of rural seats where information, new media is not easily accessible. Winning a rural seat of 8,000 is the same as winning a seat at urban area of 50,000, where in actuality the "majority" of voters are there. That is why rural Sarawak & Sabah is the fixed deposit of the government.

What really disgusts me is the word/term "CHINESE TSUNAMI" for this GE13 after the winning party announces their simple majority win. It is very derogatory and discriminating , not to mention bordering racist.

This implies the Malaysian Chinese are the ONLY ones supporting the Pakatan Rakyat, because we are "deemed" ungrateful towards the current government's contributions, trying to take over the country, etc. WTF, I gladly throw my vote behind a non-chinese candidate that can take care of all Malaysians regardless of creed and religion. I firmly believe many chinese will do so too.

Well this is the typical tactics employed by the current government to incite fear,bias & hatred towards the Chinese and divide the people once again into the racial lines. So much for the 1Malaysia theme that is touted like a mantra.

The fact is that Pakatan Rakyat cannot win the major seats with very resounding majority (some exceding 30,000 votes) without the support of the Malay, Indians, Kadazans, Ibans, Bidayuh and so on.  There are seats where Chinese voted for a Malay

So calling a "CHINESE TSUNAMI" for Pakatan Rakyat's increased support from the people is a blatant discriminatory.

Nevertheless, today is a day of mourning.

Well, I can go on and on, but I found an insightful posting by someone called 
Zalman Zulkifli https://www.facebook.com/zalmanz


This is probably my final thoughts on this topic. I have written a lot over the last month about politics, and realized that I quite enjoy it. I did learn a lot more about our country and its politics. I hope you did too. Now I probably have to find something else to write about :-)

1. On the note about the "Chinese Tsunami".

This will be all over the papers tomorrow. At the time of me writing this, PKR and PAS together won 44 seats, while DAP won 36. Overall BN has 129 with 13 seats still being counted or recounted. This time BN blamed its losses on the "Chinese Tsunami".

The numbers meant that the malays did vote for the oppositions too. There isn't enough chinese in the country to carry the seats won by PKR and PAS. The fact is actually that the chinese made a resounding statement in not voting for MCA and Gerakan. Which simply means that racial politics is slowly dissipating, and that people are gathering around bigger issues then just race.

I do believe that BN sees this. In the statements made by Dato' Seri Najib, BN is strategically moving towards a moderate right stand, and the overwhelming lost of Perkasa, MCA, Gerakan, and its component parties sends a clear message. The extreme racial right wing is losing its shine.

2. On the call for unfair electoral process.

This will be hard to prove. Very hard indeed. However, it is important to note that in the seats where the opposition wins with an overwhelming majority, no postal, ghostal, nor electorial manouver could stop it from winning. This is what the opposition needs.

An overwhelming win. In many seats in fact the opposition did win convincingly. It came back stronger then before, and the outcome is clear. The opposition wins the urban seats, and has the middle class as its voting base. GE14 is about retaining this base, and coming back with a clear offering for a broader audience. BN has Sabah and Sarawak which is a huge base for its parliamentary seats. When PR lost several of its Kelantan, Selangor, and Perak seats it created a clear path for BN after that.

PR needs a strong agenda. Just hating BN, and crying foul over the negative issues isn't enough to attract the moderates. A great strategy would be for PR to form a proper coalition, one logo, one agenda, and a concerted vision. There were enough cracks in the alliance that allowed for the BN campaign to squeeze through and divide the voters. I've always wanted economic clarity, and I don't think I am alone. Yes, I don't like corruption, the lack of press freedom, and the arm twisting tactics, but we also need to know that we are not jumping into the lions den when the voters cross over.

A new line up of leaders would help. The LGE, Rafizi, Nurul, and Khalid combination will go very far.

The Rakyat is not racist. In this I believe. However, they still need to know that they are protected. The coalition needs to make a clear proclamation that the Special Privileges of the malay is intact. It also needs to clear the air on hudud. Once and for all.

3. On moving forward. Together.

I saw a lot of facebook pages turn black.

I disagree. We all love this country. We worked hard to fight for change. And working hard for change doesn't mean that it ends when you lose. In fact it begins when you lost.

Malaysia has a lot of potential. Please. Don't say you want to leave the country. Please. Don't say that we're run by communists. Please. Don't give up on the land that we share together. Instead, if the call for a better country is sincere, PR supporters should rise in support of making the country greater. There is much to be done. The internet is still a great platform to bind the same belief system. Used correctly it will bring the masses. The world didn't end. Malaysia didn't end. In fact as oppositions PR has done more for the country then it gives itself credit. And the results are a strong mandate from the people. It did better then before, and PR should take the people's vote seriously.

I understand the pain. It still is a lost.

But losing gracefully means that you get to play again. And next time, with the grace shown, people will remember. I disagree with Dato' Seri Anwar's call for an unfair election. It probably was, or wasn't. It doesn't matter now. All that matters is that we the people shall benefit from the promises made, at the federal and state level. PR won several states. It has promises to fulfill. Work to do.

If PR is able to prove that it is a worthy alternative, then perhaps in time, the rakyat will agree.

I know that I have made many posts that leans left, and tends to critic the ruling party. And I would have joined in rejoice with PR had it won. I would have hoped that it would bring order to the way of life and the way of work in this country that we all cherish. But perhaps, PR needs to work harder in convincing a lot more people that it isn't just about righting a wrong.

It needs to join the moderate middle, tone down, stay the course and share with the people what it is all about. It has won the hearts of those who doesn't want BN, but it has to earn the mind of those who doesn't believe in PR yet.

Let's get back to business, work hard, and pray for peace.

There are five more years of nation building to do and god willing, this may have a different outcome next time. Perhaps for a party that has a clear agenda of what it is all about, and one that shows the country that it will benefit from its leadership.

Who knows...

A reply to the GE13 post.

1. The real winner is the one that won the battle it fought for.

I wrote this post last night, and after riding the roller coaster results coming out, I felt that the opposition won.

Yes PR won resoundingly. The mandate is clear. The Rakyat wanted a strong alternative, and the Rakyat voted for it. The dent on the majority is growing. As a result PR actually won more seats, and if you got to watch the announcement made by BN you don’t see a face of jubilation. You don’t see a face of satisfaction. You see a face of relief. You see the face of a team that had to fight very hard. Which I am sure they did.

PR brought the fight to the polls, and the people have responded. They voted for PR in droves. More then they did in the last election. We today evolved to a bi-party system! PR got us this. PR won this for the people.

Now is not the time for haters. Now is not the time to give BN what it wants. Giving chaos and cursing away on social media simply belittles all the great effort that went into making this result possible. I am sure that there are many tired people out there. And they should take a well-earned rest. I thank you for your patriotism and nationalistic sentiments. And looking at the results, I am sure many more feels the same way.

For the typical social media trollers, extremist, haters, cursers, and negative commenters I am sorry. We can’t help that you are the way you are. Maintaining social media decorum is what makes this place interesting. I thank the many that defended this in my absentia. We don’t need hate. It is ugly and does nothing but makes you sick.

2. The future is promising when we know where we're going.

As for not being a racist, I don’t apologize.

I don’t believe that we gain anything by making something we don’t get to choose as a way to decide who benefits and who doesn’t. The Chinese were born Chinese, and so were the Indians, but they were born here. Here in Malaysia. And we all know enough Chinese and Indians that loves this country. Why should we deny them the right to love Malaysia as much as any Malay? Why should we deny the rights of every Malaysian, to make Malaysia better? The Malays need not worry of its special privileges. It is constitutional, and it is something meant to assimilate not alienate.

I write for the pleasure of it. So I get to express an opinion that is not paid for. There were suggestions that perhaps I should be a journalist. However, I worry about the state of journalism in this country. A balanced and fair view is hated by both polarized masses, and ends up being burned from both ends. I do hope to see a free press. Of all the issues that I have with this nation, it is the fact that we use the media to manipulate the minds that worries me the most. We need to respect the people for their ability to conclude, and not just put up a story for them to consume.

A little about the electoral unfairness we face. Admittedly there is much to be desired in the way we conduct our election. However, in seats that were contentious, PR won. LKS won. DSAI won. LGE won. Nurul won. Rafizi won. Khalid in Bandar Tun Razak won. Khalid in Shah Alam won. In fact in many of the hot seats, more opposition won then BN.

PR does need to work harder at bringing out candidates that the people will vote for, and there is no short supply of this. There are many more Malaysians that Malaysians relate to. There are many more Malaysians who want a better nation, then a crooked one. PR needs to win both the hearts and the minds of the masses. The heart got PR where it is today, now we need the mind to sustain the journey moving forward.

3. The journey to an ideal isn't won, it is a way of life.

PR should not have an attitude of - if you’re not with me you’re against me. Many supports PR. But many need to love PR too. It is hard to love a cursing hater. Tuning down and being focus on the issues and how to address it brings in more supporters, then pointing fingers and crying foul.

We got it. We’re with you. Now please, do give us a reason to stay.

Finally, about GE14. I know it feels like it is a long way away, but the opposition should use this time to widen the gap, and deepen its support and not incite hatred. There clearly are a lot of voters for PR. Postal or ghosts not withstanding, PR beats them all in many seats. Retaining this seat is about showing the people that there is a better way. A better alternative. And perhaps many more will agree the next time around.

I am no politician, nor do I profess to want to be one. But I am Malaysian. The next few years is about galvanizing this support in making a better Malaysia. One that we all call home. One that we all can be proud of, regardless of what party we support.

One Malaysia. Let’s make it real. It is home after all.


My final note: Don't give up fighting. 1758.


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How To Ensure Your Vote Is Valid For 505 GE13 Part 1

Posted by Kris | Sunday, April 28, 2013 | , , | 1 comments »

Being a 2nd time voter, I do forget what are the do and don'ts during election. Voting is an important duty for Malaysians to choose & vote for a better future.

It is important for 1st time voters to know the flow very well, especially what is the safety procedures to ensure the secrecy of your votes , ensure that you vote is valid and unspoilt and also how does the ballot paper look like. :D

Oh, don't forget the inedible ink. Remember to not let it smudge your ballot papers or else it is considered void.

And don't INSTAGRAM your ballot paper or during your time in the voting room!! You will get in trouble with the law if you do that.

REMEMBER 505!! Is the Voting day!! Don't miss it for the world!!





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I Won Dato' Seri Clement Hii's Facebook Poll

Posted by Kris | Monday, April 22, 2013 | | 0 comments »

Dato Clement Hii's six-pack abs
I just received an email that I won Dato Clement Hii's facebook poll contest. Actually, I did not expect to win anything, I just try for fun since I am been following his facebook fan page. What attracted me to follow his page is that he is the most "funny" Dato Seri on Facebook which his funny wall posts. Just look at the pic above.

Even though he is a Dato Seri, a VIP personality , IMHO he is daring enough to make a joke of himself sometimes with his out-of-norm postings. You don't see any other Dato Seri doing this (jaga image mah) :D And he is very frank too!

But sometimes, I really like his insights in business and life. Something like this that I 100% agree.

One of my right-hand guys has opted for early retirement to "take life easy." I am sad to lose him, but he is probably doing the right thing. We can earn more money, but time spent is gone forever. He has rightly chosen to spend quality time on personal interests over further pursuits of more material gains. A key performer pointed out to me that doing well in all the tasks given to him over the years only meant that more tasks had been added to his regular duties. He is right too - no boss would want to risk giving important assignments to incompetent staff.
On the other hand, I also have employees who are so fascinated by work that they can stare at it for hours without lifting a finger. To them, if a LRT station is a place where a train stops, a work station is a place where work stops. No wonder.
On the other hand, I also have employees who are so fascinated by work that they can stare at it for hours without lifting a finger. To them, if a LRT station is a place where a train stops, a work station is a place where work stops. No wonder.


Well actually, to be honest I only vaguely heard about him before. (I just know more about him when I saw his funny facebook postings!! lol) So i just found out recently that he is the founder of the SEGI college and who started out initially as an reporter for Borneo Post. And the rest is history.

So what did I won: See the email below that I received..

Thank you for participating in the Poll Contest posted on Dato’ Seri Clement Hii’s Facebook. 

You have been selected as one of the winners and we are pleased to include your password access to 1-year free subscription of Focus Malaysia e-paper.

Please visit www.focusmalaysia.my to read your Focus Malaysia e-paper which is published at 7:00 am every Friday.

Your user name and password are:

User name: 
Password:  

Please login and change your password at your convenience.

If you require any assistance, please do not hesitate to contact us at: support@focusmalaysia.my.

Yours sincerely,
Tang
Tang Chee Hong
Head - Production, Circulation & Distribution
Focus Malaysia.


So Focus Malaysia is Dato Seri Clement Hii's latest venture into the media industry. This newspaper is similar to the Edge magazine. However, I suspect that based on the title headings of the articles, it is more 'daring' in its writing as compared to the Edge or TheStar which sometimes I think is does not dare to touch on sensitive & hot topics.

Nevertheless, thank you very much Dato Seri Clement Hii for the free 1 year subscription :D

Follow him at

His Facebook page:


His personal blog






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Gold & Silver Bug Crushed This Week

Posted by Kris | Monday, April 15, 2013 | | 1 comments »



Everything is cyclic in nature. What is beautiful can be ugly the next day or vice versa.

Gold futures dropped more than $100 an ounce at one point in European trading hours on Monday, deepening their descent after entering bear-market territory last week, while prices for industrial metal copper also slumped following economic data from China that fell short of expectations.

Gold for June delivery tumbled $93.40, or 6%, to $1,407.60 an ounce, but has dropped to as low as $1,384.60. Gold last week lost 4.7%.

Looking at the ETF GOLD today @USD143 while Silver SLV: @USD25.28

So it is best not to put everything into a single basket. Diversify :D


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How To Turn Your Book Into A Bestseller

Posted by Kris | Saturday, April 13, 2013 | , | 0 comments »


For those that have a good writing flair, you can try to write a book, have it published to be sold on Amazon, the largest book store in the world! I see that there is birth of local writers booming in the publishing world. With the age of internet, the world is truly your oyster. Aim High! 

How easy it is? Take it from a 1st time aspiring writer!! Seraphina :D

Extracted from 

What in hell happened to the publishing industry?

I wrote a novel and sent it out for publication. To my surprise I received multiple offers within a week. (I expected years of rejection, so I wasn't prepared.) It's set for release in the fall. In the meantime, I just entered a foreign land of marketing and promotion. They don't tell you that part! The hard part comes after you have written the damn thing. My blog explores how to navigate this crazy world of Amazon and Google ratings. I will be writing my next book about turning your book into a bestseller through online promotion after this! 

Join the conversation into her blog.


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Mundane Sunday

Posted by Kris | Sunday, April 07, 2013 | | 0 comments »

Election is around the corner as the Parliment has been dissolved on 2nd April. Things are getting serious.

So here are some meme & cartoons to cheer people up on a Sunday.

I like the 1st one though.







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How Limited Liability Partnership (LLP) Works?

Posted by Kris | Friday, April 05, 2013 | , | 1 comments »



This is coming soon. Limited Liability Partnership (LLP) which also nowadays touted to be a good property investment vehicle. Something like Sendirian berhad with some differences. Just go to SSM website for more details.


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The Importance Of Your Life Partner's Financial Knowledge

Posted by Kris | Wednesday, April 03, 2013 | | 0 comments »



Must watch this video. Can be scary, why your life partner's (especially wives) financial knowledge and spending habits matches your wallet.


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5 Reasons Now I Know RickHo Is A Girl

Posted by Kris | Monday, April 01, 2013 | , | 1 comments »

Remember this "girl"?? After she started to call me names and fyi to me that she is a really a girl countless of time, I decided to do some research.



Rick Ricky


Here is my 5 reason why I now know he   oops..(my doubts came in all of a sudden, momentary lapse) Rickho is a girl.

Like any engineer, I demand proof. So here we go!!!

How to proof "RickHo" is a girl.



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Happy Easter 2013

Posted by Kris | Sunday, March 31, 2013 | | 0 comments »

Happy Easter 2013!! 

Alleluia The Lord Has Risen!





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Apple Iphone5 Vs Samsung S4 Vs Sony Xperia ZL Vs HTC One: Which To Buy

Posted by Kris | Friday, March 29, 2013 | , | 2 comments »


I personally prefer Samsung S4 for its new cool feature.


It is going to be easy to choose once you have all the specs being laid down , compared to the question below.

The harder question for today is which girl is prettier?? Let me know thru the comments.. 

Suzanne O



I saw my junior engineer's computer screen showing this pic. Never knew a "guy" (RickHo) sitting down can look so good.


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Maybank Silver Investment Account Rewards Campaign

Posted by Kris | Thursday, March 28, 2013 | , | 1 comments »




Invest in Maybank Silver Investment Account to enjoy more benefits with the potential silver market!

Get FREE 10grams of silver with every 3.5kg silver investment and you'll also get FREE stamp duty worth RM10 for every new opening of Silver account with 100grams and above.

Promotion Period: 15 March - 14 June 2013
Click here for Campaign Terms and Conditions.
Click here for more info on Maybank Silver Investment Account.


Disclaimer: The returns on Maybank Silver Investment Account (MSIA) are subject to silver price fluctuations. Customers are advised to read and understand the product before making any investment. Maybank Silver Investment Account (MSIA) is not insured by Perbadanan Insurans Deposit Malaysia (PIDM).

So below is the ETF for Silver aka SLV. (looks like it touch ~34 USD-ish at one point. Now it is on a downtrend. There is no capitulation for precious metal even though the Cyprus fiasco shows that paper money can seriously easily lose its value)


With the no happy ending in sight for Genneva & Bestino investors,  it is best to invest in precious metal with established banks . (Last time I heard, that Genneva investors are gunning for an judicial review to get their money back. I am not sure when are they going to sue the company though)

See here for legal ways and safe ways to invest in precious metals.











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