ANTONI WEBLOG

Google Translate

noreply@blogger.com (ANTON) — Sun, 22 Nov 2009 00:16:00 +0000

google translate (http://translate.google.com/) sekarang jadi keren loh, karena tiap kata yang kita ketik langsung ke TRANSLATE sama dia (hampir streaming gitu, udah hampir menyerupai google wave(http://wave.google.com).)

buat yang belom tau apa itu google translate, nih ada artikelnya dari tante wiki

Google Translate is a service provided by Google Inc. to translate a section of text, or a webpage, into another language. The service limits the number of paragraphs, or range of technical terms, that will be translated. It is also possible to enter searches in a source language that are first translated to a destination language allowing you to browse and interpret results from the selected destination language in the source language. [1] For some languages, users are asked for alternate translations such as for technical terms, to be included for future updates to the translation process. Text in a foreign language can be typed, and if "Detect Language" is selected, it will not only detect the language, but it will translate into English by default.
Unlike other translation services such as Babel Fish, AOL, and Yahoo which use SYSTRAN, Google uses its own translation software. Some say that this could lead to a revolution in modern language industry.[2]
Google Translate, like other automatic translation tools, has its limitations. While it can help the reader to understand the general content of a foreign language text, it does not always deliver accurate translations. Some languages produce better results than others.[citation needed]
It does not apply grammatical rules, since its algorithms are based on statistical analysis rather than traditional rule-based analysis.[3]
Languages written in Devanagari or the Arabic script and its variants can be transliterated automatically from phonetic equivalents written in the Latin alphabet.

sumber : kaskus.us

CIRI-CIRI CEWEK BERKUALITAS

noreply@blogger.com (ANTON) — Thu, 19 Nov 2009 13:12:00 +0000

Ini cocok buat yang mau cari istri, mungkin hal di bawah ini bisa sangat dipertimbangkan….check it out !

1. Lemah-lembut
Coba perhatikan cara Cewek berbicara kepana teman-temannya. Apakah dia selalu suka bernada keras, teriak-teriak, atau malah sopan dan selalu lembut dalam berkata-kata? Ciri-ciri inilah yang mencerminkan di mana cara si Cewek akan berbicara kepada kamu dan keluargamu nantinya.

2. Hemat
Cowok mana yang mau punya Cewek bermaterialistis? Nanti kalau kamu sudah berkeluarga dengan Cewek tersebut, dia akan menghabiskan uang untuk belanja baju-baju yang tidak perlu. Coba perhatikan dari cara dia menghabiskan uangnya sekarang. Apakah dia termasuk orang yang hemat, pelit, atau hura-hura?

3. Perhatian
“Kok dia bisa ingat dengan ulang tahun orang tuaku?” ujar kamu. Itu adalah pertanda bagus. Dia benar-benar perhatian akan hal-hal kecil seperti itu. Padahal, kalian belum menikah. Sehabis kamu pulang kerja, makananpun sudah tersedia. Saat kamu sedang sakit, dia memasakan bubur untuk kamu. Hal-hal kecil seperti itulah yang akan membantu dan memperkuat hubungan kamu. Bukankah Cowok juga memang suka diberi perhatian lebih dari si Cewek?

4. Penyabar
Kamu telat untuk kencan dengan si Cewek tapi si Cewek tidak marah sama sekali saat kamu datang dan dia sudah menunggu 25 menit kelaparan. Kenapa sabar itu ciri-ciri yang baik? Coba pikirkan kalau anda sedang dalam situasi apa saja yang berbau negatif; kesabaran itu akan membantu suasana itu tidak menjadi lebih buruk. Coba bayangkan kamu sedang kencan dengan Cewek yang tidak sabar. Sedikit-sedikit dia marah karena kamu tidak tepat waktu, berbuat sedikit kesalahan. Kencan yang seharusnya senang-senang malahan menjadi pengalaman buruk.

5. Sederhana
Perhatikan apakah si Cewek kamu suka berlebihan di depan teman-temannya. Apakah dia suka memamerkan tas baru yang baru dia beli hari itu juga? Orang yang suka pamer dan tidak sederhana menunjukan kalau si Cewek itu tidak percaya diri; ada kekurangan yang dia punya dan ingin menutupinya dengan memamerkan sesuatu yang lebih dari dia. Ini sifat yang tidak bagus untuk para Cowok.

6. Jaga kecantikan
Tidak berarti Cewek itu harus tampil cantik, tapi menjaga kecantikan itu juga berarti itu Cewek tahu bagaimana caranya menjaga dan merawat dirinya sendiri. Jikalah anda sedang berkencan dengan dia, perhatikanlah “make-up” yang dia pakai. Apakah terlalu berlebihan sehingga menarik perhatian orang-orang lain di sekitar anda? Apakah dia memakai rok mini yang berlebihan? Jaga kecantikan itu berarti menjaga penampilan secukupnya dan sewajarnya di saat dan tempat yang benar.

7. Dewasa dan bijaksana
Cowok suka dengan Cewek yang bijaksana dan bersikap dewasa. Di saat kesusahan, Cowok akan membutuh bantuan dari seorang Cewek yang dewasa dan bijaksana dalam mengambil keputusan.

8. Taat beragama
Agama adalah salah satu pegangan hidup untuk kita manusia. Taat kepada agama juga menunjukan kalau si Cewek akan taat terhadap kamu. Bukan berarti kamu bisa semena-mena terhadap dia dan menyuruh si Cewek untuk menuruti apapun yang kamu mau, tapi taat beragama menunjukan bahwa si Cewek juga mempunyai prinsip hidup yang baik dan yang dia tekuni.

9. Keibuan
Cewek kalau senang bermain dengan anak kecil, bisa menggendong bayi, menunggu mereka tidur, dan sebagainya. Inilah tanda-tanda dari Cewek yang bisa kamu bayangkan saat mereka menjadi istri kamu. Dia akan menjadi seorang ibu yang pandai di dalam rumah tangga.

10. Tabah menderita dan mau bekerja keras
Inilah salah satu ciri-ciri dari Cewek yang agak susah dicari. Mengapa? Cewek sudah terbiasa dengan tradisi di mana Cowok yang mencari uang. Di masa-masa sulit, Cewek biasanya tidak terbiasa untuk bekerja keras untuk keluarga. Jikalau kamu sudah menemukan Cewek yang tabah menderita dan mau bekerja keras, hargailah dia.

noreply@blogger.com (ANTON) — Thu, 19 Nov 2009 09:02:00 +0000

Kadal, adalah salah satu spesies hewan melata yang ada di bumi, beberapa orang mungkin menganggap bahwa kadal itu menjijikan atau menyeramkan. Tapi percayakah agan-agan ini bahwa kadal adalah hewan yang ahli dalah hal kamuflase (menyamar). Kadal memang jagonya gan dalam hal kamuflase, hewan ini dapat menyatu dengan lingkungannya secara sempurna tanpa bisa ketahuan oleh mata manusia atau pemangsanya, walaupun kita telah melihatnya dalam jarak dekat. Nih gan beberapa contoh bentuk kamuflase yang dilakukan oleh kadal.

sumber : kaskuser malique666super

LOWONGAN VALDO

noreply@blogger.com (ANTON) — Tue, 21 Apr 2009 01:46:00 +0000

Nama Perusahaan : PT. Valdo SDM
Deskripsi : Kami perusahaan berskala International dengan client kami dari perbankan baik Nasional maupun Multinational

Alamat : Jl Majapahit 107 / A6 Semarang
No. Telp. : 024-6707709

Lowongan Kerja Semarang untuk :

1. Customer Service (CS)
2. Teller (TL)
3. Administrasi (Adm)
4. Phone Verification (PV)
Lokasi Kerja di : Semarang

Persyaratan :

1. Kualifikasi Umum
- Lebih diutamakan yang berdomisili di Semarang dan Jawa Tengah
- Pria/Wanita, usia max 26 thn atau blm berulang tahun ke 26 saat mengajukan lamaran
- Pendidikan minimal D3/S1 semua jurusan
- Tinggi badan min Pa 165 cm / pi 160 cm
- Tidak sedang kuliah atau skripsi
- Bersedia ditempatkan diseluruh area Jateng

2. Kualifikasi Khusus
- Khusus PV diutamakan fresh graduate, pria/wanita
- Bisa berkomunikasi dengan baik
- Mampu mengoperasikan komputer

*** Hanya Pelamar yang memenuhi kriteria yang akan kami proses

Alamat Surat, dsb : Kirimkan lamaran dan CV lengkap via POS ke :
HRD PT. Valdo SDM
Jl. Majapahit 107 / A 6 Semarang
Atau via email ke : anto@valdo-intl.com
Cantumkan dalam surat lamaran, anda mengetahui informasi lowongan ini tanggal berapa dan dari mana (dari website apa atau koran apa atau yang lainnya).

Tgl. Penutupan : 25 Apr 2009

Kirim SMS Gratis Via Web dengan Jaxtr

noreply@blogger.com (ANTON) — Tue, 21 Apr 2009 01:40:00 +0000

Jaxtr, layanan free sms and voice messaging yang memungkinkan penggunanya mengirim SMS melalui website-nya ke berbagai nomor internasional tanpa dipungut biaya, disamping layanan yang memungkinkan penggunanya menerima panggilan telepon dari orang yang berkunjung ke halaman web mereka.

Untuk mengirim SMS, setelah login pengguna akan mendapati kotak pengiriman pesan SMS pada bagian kanan. Pilih negara nomor telepon tujuan, masukkan nomor telepon tujuan, dan pesan yang akan dikirimkan. Hanya saja, pesan yang dimasukkan dibatasi 65 karakter, karena sebagian isi pesan akan diisi oleh Jaxtr seperti menampilkan nama pengirim dan link balasan melalui web yang dapat digunakan oleh penerima SMS. Agar dapat menerima balasan melalui telepon, maka perlu mendaftarkan nomor telepon yang dimiliki terlebih dahulu.

Ketika pertama kali mencoba Jaxtr untuk mengirim SMS, saya tujukan ke nomor Fren saya sendiri, tapi ternyata pesan SMS tersebut tidak kunjung datang. Sama halnya jika ditujukan ke nomor AXIS. Untunglah, nomor Simpati saya berhasil menerima SMS yang dikirimkan.
Pada saat mendaftarkan nomor telepon, untuk proses verifikasi nomor yang didaftarkan, pengguna akan menerima panggilan telepon dimana nantinya pengguna diminta memasukkan kode yang diberikan. Untuk nomor Simpati ternyata tidak bisa menerima panggilan tersebut seperti juga halnya dengan nomor AXIS. Namun, ketika medaftarkan nomor Fren, pesan suara yang dimaksudkan tersebut dapat diterima.

Sedang untuk nomor dari operator lain, silahkan mencoba langsung dan informasikan berhasil tidaknya menerima SMS dan/atau panggilan teleponnya.

DAFTAR PTC / PTR SCAM

noreply@blogger.com (ANTON) — Tue, 21 Apr 2009 01:35:00 +0000

Mencari uang di internet memang lebih mengasyikan apalagi kalau lihat dolarnya sangat menggiurkan walaupun tak semudah yang kita bayangkan. PTC / PTR adalah salah satunya. Tapi anda harus hati-hati karena tidak semua PTC / PTR membayar kita. Lihat di bawah ini banyak sekali PTC/PTR yang SCAM alias tidak membayar, jangan sampai anda sia-sia.

1
1-800-Mail.com (Gptboycott)
1000Clicksptr.com(uronlinebiz)
100cents-1000dollars.com
100-dollars-mail.com
100dollarsbonus.info (uronlinebiz)
100dollarsmails.com
100euromails.com
100usd.com
10dollar-mail.com
10euromails (not sustainable)
168paid.com (uronlinebiz)
1-dollar-mail.com
1stprofit.com

2
2-dollar-mail.com
2-opt.com (Gptboycott)
2008mails.com (getpaidforum)
200dollars-email.com
200dollarsmail.com
200eurocent-200euro.com
200euromails.com
200euromails.net
20dollarsmail.com
247payouts.com
25dollarsmail.com
25-dollars-mail.com
2dollaremails.com

3
3-dollar-mail.com
300dollarsmail.com
30dollarsmail.com (Gptboycott)
37-21mail.com

4
400dollarsmail.com
4bux.info (refer to update June 2)

5
5-dollar-mail.com (getpaidforum)
500cents-500dollars.net
500cents-500dollars.org
500pounds-and-500pence.com
50centptr.com (uronlinebiz)
50dollarsmail.com
520Searcher.com
5dollarmails.com

6
60euromail.com
60de.com

7
7878clicks.com(uronlinebiz)
7centsolos.com
7thheavenptr.net (Gptboycott)

8
8cent-emails.com
80euromail.com

a
a-n-cash.com (not sustainable)
an-cash.com (not sustainable)
aaa-mails.com
activeptr.net (not sustainable)
ad5.biz (uronlinebiz)
ad-fortune.com
adsbux.org
adsmaker.net
adsneed.com(uronlinebiz)
aglocomails.com (not sustainable)
ahacash.com
allcashmail.com
allyousubmitters.com (Gptboycott)
almiyachts.com
alwayspay.com
american-mails.com
amigoemail.com
Amity-Cash.com (watch list, gptboycott)
ans-advertising.com (uronlinebiz)
anycallmails.com (not sustainable)
apachemails.com
applemails.com
appolomails.com
arab-gpt.com (uronlinebiz)
Arabbux.com (PtcTalk)
arcane-mails.com
arcsurvey.com
arcticmails.com (uronlinebiz)
asonewishes.com (uronlinebiz)
at-mails.com
atom-mails.com (not sustainable)
atomsmails.com (not sustainable)
auction-emails.com
awsurveys.com (read update 10 Dec 2007)

b
babyloncash.com
ban-mail.com (uronlinebiz)
banboocash.com (not sustainable)
bank-mails.com
bank-mails.net (not sustainable)
bearshare-mails.com (uronlinebiz)
beautymails.com (uronlinebiz)
beeptr.com (uronlinebiz)
beetrmails.com (not sustainable)
best-mails.com (getpaidforum)
best-hyip.be
bestflymails.com
beta-cash.com
bettybucks.com
beyondemails.com (uronlinebiz)
bez-minimum.info (getpaidforum)
bigdollat-mails
biggestdollars.com
bigluck-mails.com (uronlinebiz)
bigpaymail.com (Gptboycott)
billiondollarmails.com(uronlinebiz)
bluemaniacs.com (uronlinebiz)
bluerwebmail.com
boa-mails.com
bobomails.com (not sustainable)
Bobmail.com
boffopaidmail.com (Gptboycott)
Bonniemails.com
boratmails.com (uronlinebiz)
businessptr.com (uronlinebiz)
boss-mails.com
BournemouthBreeze.com (Gptboycott)
bravevolitation.com
bugcash.com
buxer.org (read update 25 Jan 2008)
buxeuro.com
buxgalore.com (read update 8 Dec 2007)
buxone.com (read update April 10 2008)

c
camel-mails.com
can-discount.com
candy-mail.com(uronlinebiz)
cannabismails.com
capitalmails.net
Cash2all (lots of non-payment complaints at their forum)
cashbux.com
cashbux.org
casheden.com (uronlinebiz)
CassandrasClicks (Gptboycott)
cash-kitty.com
CashFiesta.com (Gptboycott)
cashnclicks.com
cashorigin.com (uronlinebiz)
cashpointclicks.com
cashread.com (Gptboycott)
cashsea.com
casino-mails.com
Cat-mail.com
cat-mails.com
cat-ptr.com
catch-cash.com (Gptboycott)
class-act-clicks.co
classical-mail.com (Gptboycott)
cgcash.info
charm-mail.com
chicago-ptr.com (uronlinebiz)
chick-mails.com
chobit-mails.com
chobitmails.com
chobitsmails.net
click2earnmoney.com (uronlinebiz)
click-mails.com
click-wizard.net (read update 2 Dec 2007)
clickbux.org
clickbuxx.com
clickcent.net (read update 7 Dec 2007)
clickearnmoney.com
clickingmoney4u.com
click-monkey.biz (uronlinebiz)
clickoly.com
clicks-4-cash.com (read update 21 Dec 2007)
clicktopsites.com (uronlinebiz)
clixy.net (read update 2 Dec 2007)
CloneBux.com (uronlinebiz)
cloudmails.com (uronlinebiz)
closet-clickers.com (uronlinebiz)
cloverclicks.net (read update 7 Dec 2007)
coast-mail.com
coastmail.com
coinclicks.info (read update 23 Dec 2007)
comeongain.com (getpaidforum)
compactmails.com
cookie-mails.com (uronlinebiz)
cooperativemail.com
copymails.com
cosplaymails.com (uronlinebiz)
coverclicks.com
cowboy-mail.com
crabmails.com
Crazy-4-cash.com (uronlinebiz)
cream-mails.com

d
dallas-ptr.com (uronlinebiz)
danger-mails.com (uronlinebiz)
davemails.com (not sustainable)
DarkAngelMails (watch list, gptboycott)
daydayupemails.com
dayscash.com (uronlinebiz)
dayseeking.net (uronlinebiz)
deepseacash.com
deliriouspaidemails.com (uronlinebiz)
delta-cash.com
devclix.com
devscripts.com (uronlinebiz)
DiamondBux.com (uronlinebiz)
digital-ptr.com
dj-mails.com
dog-mails.com (not sustainable)
dollar-factory.com (promotes a list of scam sites)
dollarsmaker.net
dollarslove.com (Gptboycott)
dollarsmaker.com (uronlinebiz)
dolphincents.com
Domainmail.com
donkeycash.info (uronlinebiz)
donut-m.biz (uronlinebiz)
duno.com
dragone-search.com
dragonhole.com
dreamstarmail.com (Gptboycott)
drumcash.com
dynasty-mails.com
dungeonanddragonemails.com
d-biz.com (uronlinebiz)

e
e-mailptr.com (not sustainable)
eagleclicknet.com (uronlinebiz)
earn-emails.com
earn4read.com (not sustainable)
earnptr.com
earnup.com
easy-gain.com (uronlinebiz)
easyhits.org (read update 14 Dec 2007)
egoldclicks.net (read update 21 Dec 2007)
electric-mails.com
elephantadvertising.com
elephant-mails.com
e-mailptr.com
email2rewards.com
e-mailpaysu.com
emailpremium.com
emailprofit.us
emails-empire.com
emailspayu.net
emails-empire.com
emeraldcoastptc.info
energy-mails.com
englandbux.com
englandbux.org
enjoyfunds.com
eqmails.com
eurocentsmail.com
eurobux.org
euro-mails.com
europtr (not sustainable)
everylooking.com (uronlinebiz)
eceryrich.com (uronlinebiz)
expert-mails.com
eyemails.com (uronlinebiz)

f
fairydollars.com
FairyTalePTR.com (Gptboycott)
farland-cash.com
fastbux.com
fastbux.org
fastcashemaills.com
fastpaidptr.com (getpaidforum)
fellowequality.com (getpaidforum)
fillmyaccount.com
filmyinbox.com
fire-mails.com (not sustainable)
flashrich.com
flaviomails.be (uronlinebiz)
fly-field.com (not sustainable)
freeclickcash.net (read update 2 Dec 2007)
free-kingdom.com (not sustainable)
freemoneymails.net (uronlinebiz)
feer-mial.com
feermial.com
fortuneemail.com
fourleafclovermail.com (uronlinebiz)
ft-mails.com (not sustainable)
funkycashmail.com
futureptr.com
fx-mails.com (uronlinebiz)

g
gamma-cash.com
gem-mails.com
getpaid4clicks.com (uronlinebiz)
getpaidbyemail.com
getpaideasy.com
GetPaidLinks.net
getpaidwatch.com
getor-mails.com
giga-cash.com
giga-mails.com (not sustainable)
goaio.com
godmail.info (uronlinebiz)
godmails.com (uronlinebiz)
gogoplease.cn (uronlinebiz)
goldencatch.com (uronlinebiz)
goldenemail.com
goldptr.net
golfmails.com
goodluck-email.com
google-mails.com
gothic-mail.com (uronlinebiz)
gowellup.com
gp2profits.com (read update 15 Dec 2007)
graspaftertime.com
grassmails.com
green-cash.com
greetgold.com

h
halfmillionmails.com
halomoney.com (getpaidforum)
happyearning.com
happyptr.com
healthyptc.com
heroptr.com (uronlinebiz)
highbidppc.com
HappyBizs.com (Gptboycott)
HKbux.com (read update March 30 2008)
holiday-mails.com (Gptboycott)
hollywood-mail.com
honestmails.com
honestptr.com
horse-mails.com
huge-mails.com
husky-mails.com

i
iCashout.com (PTCTalk) (update 20 Dec 2007)
ice-mails.net
ilikeemails.com
insaneptr.net (uronlinebiz)
inspiremarrow.com (not sustainable)
instant-dollars.com
instantads.org (uronlinebiz)
intgold.com
invest-mail.com
iphonemails.com (not sustainable)
ippomails.com
ippomails.net

j
Jackpot-ads.biz (uronlinebiz)
jays-paidmail.com
job-readmail.com
junglecash.com
jungleclicks.com (uronlinebiz)
justcashInc.com

k
kiddays.com
kitcatcash.com
klikini.net
kukmail.com (uronlinebiz)

l
libertycash.biz
lifeisabeachclicks.net
lightstarmail.com
linkread.com
lion-mails.com
littleengineptr.com
loading-mails.com
logans-legacy.com
lolclicks.com
lookingemail.com (Gptboycott)
lovebird-mails.com
loveburd-mails.com
loving-mail.com

m
magicalmails.com (not sustainable)
MagiCash.com (uronlinebiz)
magic-mails.com (uronlinebiz)
magnetismail.com
MailBling.com (watch list, gptboycott)
mailero (not sustainable)
mails2earn.net
Make-free-money-online.info (MFMO) (read update 2 Dec 2007)
malisanko-emails.com
mangoemails.com
many-mails.com
mapleptr.com (Gptboycott)
maystromails.com
maystromails.net
MDbux.com (PtcTalk)
medal-mails.com
mega-ptr.com
megaptr.com
meggarichemails.com
mellow-mails.com
metal-emails.com
metalpaidread.com
meteor-mails.com
michellesrandomizer.com
milion-mail.com
million-mails.com
millionaire-mail.com
mimimcash.com
minbux.com
mincashbux.com
Mintysmails.com
MiniBux.com (uronlinebiz)
moneybagsmail.com
moneybux.com
moneybux.org
moneyclicks.biz
moneyems.com
moneydogptc.com
moneymouser.com
moneysbank.com
moonbux.com
mushroomsmail.com
mybux.info (misleading, read update 5 Jan 2008)
mygpt.com
mysweetheartmail.com

n
nature-mails.com
netgold4u.com
newsptr.com (not sustainable)
niceptr.com
NickelsByEmail.com (Gptboycott)
NickOfTime-Email.com (watch list, gptboycott)
njgirl.biz (uronlinebiz)
no2allmails.com (uronlinebiz)
Nocs.Us (Gptboycott)
nokiamails.com (not sustainable)
number-emails.com
numenmail.com (Gptboycott)

o
oceansoflife.com (uronlinebiz)
ohomails.com
onedollarmail.com
one-mails.com
oneperson-mail.com
onlygravy.com
onlythebestptr.com (promotes a list of scam sites)
ok-mails.com (uronlinebiz)
ok-ptr.com (not sustainable)
ok-usd.com (not sustainable)
OkayEmail.com (Gptboycott)
onlygravy.com (uronlinebiz)
on-sunday.com (uronlinebiz)
orangemails.com
oursharedsuccess.com
ourpaidmail.com (Gptboycott)

p
paidbux.com
PaidEmail.com (Gptboycott)
paidmail.ru
paidmailagency.com (not sustainable)
paidmailengine.com
paidstation.com (not sustainable)
paidworld.com
paidmail.ru (uronlinebiz)
papajuan.info
pay-to-mail.info (uronlinebiz)
payingcoins.com (getpaidforum)
payyou123.com
payyoudollar.com
perfect-emails.com
pekingcash.com
petromails.com
pcash.info (uronlinebiz)
phoenixcash.info
pig-mails.com (not sustainable)
pizzamails.com
platinum-investment.com
platinum-mails.com
pleasant-mails.com (not sustainable)
polarbearmails.com
pomoterprosemail.com (getpaidforum)
popomails.com
post4cash.com (uronlinebiz)
powerbux.org
power-mails.net (not sustainable)
powersmails.net (not sustainable)
premiermails.com (uronlinebiz)
pretti.mail.com
prettyptr.com
pretty-mail.com (not sustainable)
probux.net (ptctalk)
professionalmails.com
profers.com
profitfrommails.com
profitptr.net
propaidemail.com (from getpaidforum)
ptcad.net
ptindex.com (misleading - read update Jan 1 2008)
Ptp8.com
ptr-enterprise.com (not sustainable)
ptr-enterprises.com (not sustainable)
ptrforce.com (not sustainable)
ptr-hun.info
ptrland.com
ptr-trading.com
puma-mails.com (not sustainable)
pumpkin-mails.com (not sustainable)
puppypaid2clicks.com

q
quality-profits.com

r
rabbit-mails.com (not sustainable)
racingemails.com (not sustainable)
rainbow-mails.com
rainbow-mail.net (not sustainable)
Ranoscash.com
rat-mails.com
readformoney.us (uronlinebiz)
realmails.com
ReadRevenue.com (Gptboycott)
RichMails.com (Gptboycott)
rivermails.com
road-mails.com (not sustainable)
rock-mails.com
rolex-mails.com (not sustainable)
rosenet-emails.com
royalcash-mails.com
royalinvest.biz (not sustainable)
rushnsuccess.com (not sustainable)

s
saytheirmail.com (uronlinebiz)
scarlettmails.com
secret-mails.net
sea-mails.com
SeekBizs.com (Gptboycott)
seekmails.com (getpaidforum)
sepooq.com
seriousbucks.com
sharedmails.com
sheepmails.com (uronlinebiz)
shirecash.com (uronlinebiz)
silvanamails.com (Gptboycott)
silvanamails.net (Gptboycott)
siteclubemail.com
sky-mails.net (not sustainable)
sky-wolf.net
smile-email.com
smoothlinks.com
SnapDollars.com (uronlinebiz)
snowman-mails.com (uronlinebiz)
solarclick.com
southmails.com
space-mails.com (uronlinebiz)
spaz-emails.com (getpaidforum)
Spedia.com (Gptboycott)
speed-mails.com
spicemails.com (uronlinebiz)
spiderchess.com (uronlinebiz)
spidermanemails.com
sprint-cash.com
startmails.com
strongptr.com
studio-mail.com
summer-mails.us (uronlinebiz)
sunday-mails.com
sunflowersptr.com
sun-cash.com
suns-cash.com
sunsetclix.com (uronlinebiz)
super-mails.com (not sustainable)
super-program.com
superstarmail.com (not sustainable)
SurfJunky.com (Gptboycott)
Surfjunky.com
surfanearn.net
surforhits.com
surprisemails.com
surveyking.com (uronlinebiz)
sweet-mails.com (uronlinebiz)
symantec-mail.com (uronlinebiz)
systemmails.com

t
tarbux.com
tata-cash.com (not sustainable)
tendollarsmail.com
teneuromail.com
tomails.com (uronlinebiz)
TheBux.com (uronlinebiz)
thebux.helloweb.eu (not sustainable)
thegoldclick.com
thegoldmail.com
timelessearn.com (not sustainable)
tnt-e-mail.com
tombmailer.com
tomoonmail.com (Gptboycott)
tons-referrals.com
tradingptr.com (not sustainable)
trafficcool.com (uronlinebiz)
trafficinvader.com (uronlinebiz)
travelmails.com (uronlinebiz)
treasureclicks.info (pays to upgraded member only)
trustfulmail.com
trustmails.com (not sustainable)
turtle-mails.com
twistedclickers.com
twodollarsmail.com
tycoonmails.com
u
unionptr.com
united-empire.com
unitmails.com
universalclix.com.br
usa-canada-email.com
usa-clicks.us (not sustainable)
usd-ad.com

v
vegas-mails.com (uronlinebiz)
velocityclicks.com (refer to update March 15)
verdiencredits.nl (not sustainable)
vice-ptr.com
viennamails.com (getpaidforum)
viper-clicks.com
virtualcardzone.com (read update 7 Jan 2008)
visionptr.com (uronlinebiz)

w
warm-mails.com (not sustainable)
wc-mails.com (getpaidforum)
weapon-earnings.info (uronlinebiz)
webbercash.com
well-email.com (uronlinebiz)
welovepay.com (not sustainable)
western-clicks.com (uronlinebiz)
western-mails.com (not sustainable)
wet-clicks.com
wingmails.com
womail.com (uronlinebiz)
woderemails.com (uronlinebiz)
wonderful-mails.com (not sustainable)
woo-mails.com
worldbux.info (uronlinebiz)
worldwidemails.com
workmails.com (not sustainable)
WowEarnings.com (Gptboycott)
wow-mails.com
X
xsc-mail.com (uronlinebiz)
xtremeptc.com (uronlinebiz)

y
y2e.info (read update 2 Dec 2007)
yippeemails.com

z
zero-investments.com
zwallet.com (gone)
zy-mails.com (uronlinebiz)

Data diatas diambil dari sumber yang bisa dipercaya. Namun saya pribadi tidak harus percaya 100% atas DAFTAR SCAM di atas, karena data diatas biasanya masih bersifat umum. Situs-situs program PTC kadang suka mengalami masalah seperti server down, atau mungkin adanya upaya menjelek-jelekkan situs serupa sebagai saingan. Namun dengan adanya list data PTC SCAM di atas bisa kita jadikan bahan referensi untuk join/tidaknya pada program PTC tersebut.

Manage Debtors And Creditors To Improve Liquidity

noreply@blogger.com (ANTON) — Wed, 15 Apr 2009 01:39:00 +0000

Sales turnover and net profits may follow a rollercoaster pattern familiar to most business but when the cash flow dries up the game is over. Urgent attention to the management of working capital can provide every business with the cash resources to exploit its potential

Most businesses will experience periods of lower sales and times when losses may be incurred as expenses exceed sales income. The situation is recoverable by producing higher sales and reducing costs and expenses. A business that runs out of cash resources is dead in the water.

Debtors and sales income management

The objective is to obtain payment from customers as fast as possible improving cash flow and minimising the risk of bad debts and not being paid at all.

Payment terms offered to customers should be clearly stated and fixed as standard accounting figures according to the amount of funding the business is prepared to offer its clients. Because that is exactly what credit terms to customers is, free cash funding in exchange for eventual sales income.

Consideration should be given to using a cash discount system to encourage sales invoices to be paid faster. In some businesses it would be appropriate to obtain up front deposits and scheduled payments. Review this practise to obtain a greater proportion of payments faster to improve liquidity.

New customers should be subjected to a strict credit check. All new customers where credit check details are not available should be invoiced by the accounting function on a pro forma basis. Any businesses who fail to meet the highest credit score required should remain on a pro forma invoice basis.

The credit control function needs consideration from the first step of issuing customers with a sales invoice, producing customer statements of the debt owed and a set procedure of credit control letters and telephone follow ups that actually achieve the end result of getting the cash in. An essential process in the credit control procedure would be to ensure the accountant or bookkeeper always issues sales invoices and customer statements promptly.

Incorporate into the terms of trade a set of rules to invoke interest payments for late payment and late payment debt recovery costs. In the UK the Late Payment of Commercial Debts (Interest) Act 1998 sets out the statutory rights of business to claim interest and costs.

Consider the possibility of factoring sales invoices due from debtors either by selling the sales invoices to a third party or raising cash on the value of those invoices pending payment. Factoring has the disadvantage of often not being cheap but does have the advantage of generating a regular stream of cash.

Bad debts have a double impact on any business and all possible steps should be taken to reduce the risk. A bad debt not only uses valuable resources in chasing the debt with the negative impact on cash flow and liquidity but also is a straight loss to the net profit and a strong indicator that the accounting function is failing the business.

Creditors and expenditure management

The objective is to extend the time allowed for payment of expenses the business incurs.

Consider the frequency of all payments made to suppliers. Small business have alternative payment terms available for the payment of taxes. In the UK value added tax can be paid quarterly or monthly, vat cash accounting can ease the tax liability due in critical periods and paye payments can be paid quarterly rather than monthly for smaller businesses.

Every opportunity should be considered to improve liquidity and that would include the frequency which employee salaries and wages are paid. A sensitive area since it involves the most important people to the business success but adopting a payment period to coincide with the receipt of cash from customers may in some circumstances balance liquidity.

General creditors are a major area to be addressed in terms of both the amount of credit received from suppliers and the time required to pay those creditor accounts. Larger orders on extended payments terms creates a risk area should the goods not be used but can greatly assist cash flow as the business is effectively borrowing free cash from its suppliers.

Stock levels are crucial to financial management of the creditor total. High stock levels use valuable working capital which is offset in part by the level of creditors. Higher levels of stock financed by free credit from creditors lowers the cash flow requirements on the other parts of the business.

Using Stop Loss Orders to Determine When to Enter a Trade

noreply@blogger.com (ANTON) — Wed, 15 Apr 2009 01:38:00 +0000

Many people enter into trades with little more than a desire for profit. In Forex we normally use between 50 – 400 to 1 leverage. Because of the large amount of leverage we are able to use, simply hoping for a profit is not enough. Traders need a solid plan before the pull they trigger. When planning any battle, successful generals begin at the retreat and work their way backwards. Traders should do the same. The first and most important decision is when to admit defeat and retreat. Survival to fight another day is more important that going down with the ship. This article proposes that traders take a different approach to figuring out when and where to place their next trade. The approach is simple. Just like the generals, start by figuring out when to get out. This may sound strange, but if you apply this idea to whatever other methods you are using to determine your entry signals, your bottom line should improve. The overall idea is simple, rather than first looking for a good entry point, look for a point where you would want to be stopped out. At this point you are probably saying “who ever wants to get stopped out?”

The answer is, not the majority. But let’s look at several statistics for a moment to get some perspective. Depending on who you believe, anywhere between 75-95% of all retail Forex traders blow out their account within one year. So it seems that the 5-25% of traders who are winning are doing something different then the majority who are losing. One of those main differences is not being bothered by getting stopped out. Many new traders complain that they hate trading with stops because they have been stopped out of a trade that almost immediately turned around and would have been a huge winner had they not run the stop. They take that to mean that they should not trade with stops. Trading without some kind of risk management is like playing Russian roulette by yourself, it may not be the next pull of the trigger that kills you, but pull it enough times and sooner or later it’s a sure thing. Trading without risk management is much the same. You may get away with it for a while, but the lesson you are learning will sooner or later prove deadly.

There are many forms of risk management, from the extremely complex, like cross hedging with options, to the very simple, such as using stops. The use of stop loss orders is one of the simplest and often most effective way to manage the risks of any given trade. The reason many traders have had a bad experience with using stops is not the fault of the stop itself, but rather the placement of the stop. Most traders get into a trade and then decide where to run a stop, if at all. They often have a fixed dollar amount that they are willing to risk per trade and they then place the stop loss order accordingly. All of this on the surface sounds like a good plan, but in practice it often leads to the scenario mentioned before, where the trade gets stopped out and then the market turns on a dime and goes the way the trader had originally anticipated, leaving them to mistakenly blame the stop. The individual points that led to the stop being placed are not bad in and of themselves, but put together this way, they often lead to the frustration mentioned above.

So let us look at these issues from another angle. Rather than getting into a trade and then deciding where to get out, let’s determine the exit point and let that dictate where we get in. To do this you will need a chart. Choose the chart’s time-frame based on how long you intend to hold the trade. If you only hold your trades for a few hours then a 15 or 60 minute chart should be fine. If you are more of a swing trader, then daily or even weekly charts would be best. Currencies tend to trend more than most other markets. However, they do not trend all the time. In fact the opposite is true. Most markets only trend about 30% of the time. The remaining 70% of the time they are trading within a range or chopping. Therefore, learning how to trade the chop is paramount if you want to be a trader for years to come. What follows is a simple yet effective way to trade the chop.

Trading the Chop

First, start by looking at long term support and resistance zones. Markets tend to have certain zones that they “bounce” off of time and time again before penetrating them. These zones are what you want to look for. Start with weekly or even monthly charts, no matter what time-frame you trade in. This will tell you in an instant whether the market is trending or choppy. Once you determine the underlying market condition, look for significant areas of support and resistance. Finally, move to a daily chart and then to a 60 minute chart. After going through these different time-frames you should be able to find a number of these zones. The best are those that coincide through all the time-frames. That will only happen if the market is at or near relative new highs or lows. When it does happen, though, it is time to sit up and pay attention. However, you do not need to wait for perfect conditions to use this method. You only need a support or resistance zone in whatever time-frame you are comfortable trading. Once you have identified these areas on a chart, you need to look closely and determine where that level would be broken and place your stops accordingly. A move through this level would signify that the market is breaking out from the previously established range. Once you find what the highest high is in the case of a resistance level, or lowest low in the case of a support level, you need to go a certain distance beyond that so you are not stopped out by a move of only one or two pips beyond these levels.

There are many ways to determine how much extra distance to give each market. One way that I have used is to simply look for the next closest Fibonacci number. This method is not scientific, but one that has served me well over the years. The Fibonacci sequence is one that was discovered by a mathematician all the way back in 13th century. The sequence is as follows: 0, 1, 1, 2, 3, 5, 8, 13, 21, 34, 55, 89, 144… For the purposes of using them for stops I normally only use 8, 13, 21, 34, 55, and 89. So if the last two digits of the highest high in a resistance zone had been 25, then you would use either 34 or 55 depending on which particular market it is in. The more volatile, or greater the average true range (ATR), the wider you should go.

Once you identify the zone you can then come up with your exact stop point.

Look at the daily chart of the USD/JPY and you can see that we have had significant resistance between roughly 121.50 and 122.25. Each time the market has reached this zone it has failed to follow through. There have been three attempts to break out from this zone, each one being lower than the last, forming a descending trend line. This is what you want to look for. Once you identify the zone you can then come up with your exact stop point. Simply find the recent highest high, in this case 121.66, and then find the next closest Fibonacci number (89) and you have your stop (121.89).

Determining your entry point

Now that you know where you are going to run your stop you can use that to determine your entry point. This is the point where you want determine how much actual money you are willing to risk on the trade. Most money managers will tell you to never invest more than 1% of your account on one trade. That rule really only works for traders using 50k or more. Most traders start with less and therefore are forced to break that rule. Starting with a $5,000 account and only risking 1% would mean that you can only risk $50 per trade, which in some cases is less than the bid/ask spread once you enter the trade, so it is obviously not realistic. But try to keep the amount you risk on any one trade as low as you can. Trading is a long-term endeavor. Do not fall into the trap of thinking that your next trade is “the big one” and you are sure it will work, and therefore put half or even all of your account into it. That is not money management, it is gambling. But let’s say you are comfortable risking $400 on a trade, or 40 pips on a 100k contract. Looking at a Daily chart of the USD/JPY, you can see that the most recent high was 121.66. Using the Fibonacci stop idea you would run your stop at 121.89 because 89 is the next closest Fibonacci number above 66. Now you have your stop well above a significant point of resistance. To calculate your entry point, simply subtract the 40 pips you are willing to risk from your stop point to arrive at 121.59 (121.89 – 40 = 121.59). The next day the market traded up to 121.63 so a limit order at 121.59 should have been filled. Once the order is filled, you can trail your stop with the market or move it to coincide with other support and resistance zones within the range. Your target would be somewhere near the bottom of the range. In this example your target would be a move to 119.50 or below.

So let’s review this method. First determine if the current market is trending or chopping. Then look to identify areas of support and or resistance. Next find the highest high in a recent resistance level or the lowest low in a support level. Determine the next closest Fibonacci number and you have your stop point. Then take the amount you are willing to risk per trade and either subtract it from your stop if it is a short trade or add it to your stop if it is a long trade. You now have both your stop and entry points, and you are only risking whatever amount you determined you were comfortable with. Your stop is placed at a level that signifies a change in the recent trend, and therefore is mush less random than most other stops. This method is not to be used exclusively, but it is one that can compliment whatever other indicators or patterns you are using to determine you next trade. This method should help you avoid getting stopped out at insignificant points that have you selling near highs and buying near lows within the established trading range.

How To Write A Successful Business Plan

noreply@blogger.com (ANTON) — Wed, 15 Apr 2009 01:38:00 +0000

Whether you are planning to start a brand-new business, expand an existing company, or get financing for a business venture, you will need to write a business plan. A business plan not only lends your business a sense of credibility, but also helps you to cover all your bases, increasing your chances of success.

Although writing a business plan can be a lengthy, intimidating project, it is not necessarily difficult. Here is an overview of how to write a successful business plan.

What to Include in Your Business Plan

Your business plan needs to demonstrate that you have thoroughly considered all aspects of running your business. To that end, the standard business plan has nine major sections, covering everything from your business’s mission statement to a detailed financial analysis.

Executive Summary

The first – and most important – section of your business plan is the executive summary. This section is so important that it should literally be the first thing the reader sees – even before the table of contents! However, it should also be written last, as you’ll have a better understanding of the overall message of your business plan after you’ve researched and written the other sections.

One of the most important parts of the executive summary is the mission statement. The mission statement is only three or four sentences long, but it should pack the most punch out of everything else in your business plan: Those four sentences are responsible for not only defining your business, but also capturing the interest of your reader.

The rest of your executive summary should fill in the important details that the mission statement glosses over. For instance, your executive summary should include a short history of the business, including founder profiles and start date; a current snapshot, listing locations, numbers of employees, and products or services offered; and a summary of future plans and goals.

This section is a candidate for a bulleted format, which allows you to list main points in a manner that is easy to scan. Avoid using too much detail – remember, this section is a summary. A page or two is usually sufficient for an executive summary.

Market Analysis

The next section of your business plan focuses on market analysis. In order to show that your business has a reasonable chance for success, you will need to thoroughly research the industry and the market you intend to sell to. No bank or investor is going to back a doomed venture, so this section is sure to fall under especially close scrutiny if you are looking for financing.

Your market analysis should describe your industry, including the size, growth rate, and trends that could affect the industry. This section should also describe your target market – that is, the type or group of customers that your company intends to serve. The description of your target market should include detail such as:

• Distinguishing characteristics
• The needs your company or product line will meet
• What media and/or marketing methods you’ll use to reach them
• What percentage of your target market you expect to be able to wrest away from your competitors

In addition, your market analysis should include the results of any market tests you have done, and an analysis of the strengths and weaknesses of your competitors.

Company Description

After your market analysis, your business plan will need to include a description of your company. This section should describe:

• The nature of your business
• The needs of the market
• How your business will meet these needs
• Your target market, including specific individuals and/or organizations
• The factors that set you apart from your competition and make you likely to succeed

Although some of these things overlap with the previous section, they are still necessary parts of your company description. Each section of your business plan should have the ability to stand on its own if need be. In other words, the company description should thoroughly describe your company, even if certain aspects are covered in other sections.

Organization and Management

Once you have described the nature and purpose of your company, you will need to explain your staff setup. This section should include:

• The division of labor – how company processes are divided among the staff
• The management hierarchy
• Profiles of the company’s owner(s), management personnel, and the Board of Directors
• Employee incentives, such as salary, benefits packages, and bonuses

This goal of this section is to demonstrate not only good organization within the company, but also the ability to create loyalty in your employees. Long-term employees minimize human resource costs and increase a business’s chances for success, so banks and investors will want to see that you have an effective system in place for maintaining your staff.

Marketing and Sales Management

The purpose of the marketing and sales section of your business plan is to outline your strategies for marketing your products or services. This section also plans for company growth by describing how the growth could take place.

The section should describe your company’s:

• Marketing methods
• Distributions methods
• Type of sales force
• Sales activities
• Growth strategies

Product or Services

Following the marketing section of your business plan, you will need a section focusing on the product or services your business offers. This is more than a simple description of your product or services, though. You will also need to include:

• The specific benefits your product or service offers customers
• The specific needs of the market, and how your product will meet them
• The advantages your product has over your competitors
• Any copyright, trade secret, or patent information pertaining to your product
• Where any new products or services are in the research and development process
• Current industry research that you could use in the development of products and services

Funding Request

Only once you have described your business from head to toe are you ready to detail your funding needs. This section should include everything a bank or investor needs in order to understand what type of funding you want:

• How much money you need now
• How much money you think you will need over the next five years
• How the money you borrow will be used
• How long you will need funding
• What type of funding you want (i.e. loans, investors, etc.)
• Any other terms you want the funding arrangement to include

Financials

The financials section in your business plan supports your request for outside funding. This section provides an analysis of your company’s prospective financial success. The section also details your company’s financial track record for the past three to five years, unless you are seeking financing for a startup business.

The financials section should include:

• Company income statements for prior years
• Balance sheets for prior years
• Cash flow statements for prior years
• Forecasted company income statements
• Forecasted balance sheets
• Forecasted cash flow statements
• Projections for the next five years – every month or quarter for the first year, with longer intervals for the remaining years
• Collateral you can use to secure a loan

The financials section is a great place to include visuals such as graphs, particularly if you predict a positive trend in your projected financials. A graph allows the reader to quickly take in this information, and may do a better job of encouraging a bank or investor to finance your business. However, be sure that the amount of financing you are requesting is in keeping with your projected financials – no matter how impressive your projections are, if you are asking for more money than is warranted, no bank or investor will give it to you.

Appendices

The appendix is the final section in your business plan. Essentially, this is where you put all of the information that doesn’t fit in the other eight sections, but that someone – particularly a bank or investor – might need to see.

For instance, the market analysis section of your business plan may list the results of market studies you have done as part of your market research. Rather than listing the details of the studies in that section, where they will appear cumbersome and detract from the flow of your business plan, you can provide this information in an appendix.

Other information that should be relegated to an appendix includes:

• Credit histories for both you and your business
• Letters of reference
• References that have bearing on your company and your product or service, such as magazines or books on the topic
• Company licenses and patents
• Copies of contracts, leases, and other legal documents
• Resumes of your top managers
• Names of business consultants, such as your accountant and attorney

Writing a Successful Business Plan

Despite the quantity of information contained in your business plan, it should be laid out in a format that is easy to read. Just like with any piece of business writing, it is important to craft your business plan with your intended audience in mind – and the bankers, investors, and other busy professionals who will read your business plan almost certainly won’t have time to read a tedious document with long-winded paragraphs and large blocks of text.

Business plans for startup companies and company expansions are typically between twenty to forty pages long, but formatting actually accounts for a lot of this length. A strong business plan uses bullet points throughout to break up long sections and highlight its main points. Visuals such as tables and charts are also used to quickly relay specific information, such as trends in sales and other financial information. These techniques ensure that the reader can skim the business plan quickly and efficiently.

Think of your audience as only having fifteen minutes to spend on each business plan that comes across their desks. In that fifteen minutes, you not only have to relay your most important points, but also convince the reader that your business venture merits a financial investment. Your best bet is a well-researched business plan, with an organized, easy-to-read format and clear, confident prose.

ETFs, Funds And Shares: What Are They And What Are Their Benefits?

noreply@blogger.com (ANTON) — Wed, 15 Apr 2009 01:37:00 +0000

Exchange Traded Funds, better known by many investors as iShares, the brand owned by Barclays Global Investors ('BGI') have been around in the UK since April 2000, with the launch of the iFTSE100 on the London Stock Exchange. From a slow start, by the end of 2005 (the latest figures available), some 125 billion was held in assets under management. Generally, when you look for your share price information, you'll find them grouped in the extra MARK section, where you'll now find some 45 different ETFs on offer. Although they have been around for sometime, let's just remind ourselves how ETFs work. They are listed on the stock exchange, providing the flexibility and trade ability of a share, including the fact that the price is continuously quoted, but that one share can provide instant exposure to an entire Index, giving you the diversification benefits of a fund. ETFs are also a flexible way of achieving cost-effective market exposure. Because the funds are registered in Ireland, there is no stamp duty to be paid on purchases. Management costs are taken from dividends that are accrued by the fund, and any excess income is then distributed to shareholders: unlike unit trusts, there are no initial fees to pay on the original purchase. The price of the fund is always close to the 'Net Asset Value' (NAV) of the underlying investments and will usually have tight spreads, unlike some unit trusts and some investment trusts. Also ETFs will disclose their holdings everyday, whereas traditional funds usually disclose their holdings twice a year.

What can I invest in?

ETFs offer a wide range of opportunities for investment with varying levels of risk: as at mid-December there were 45 different markets/indices to invest in, ranging from corporate bonds to the Taiwanese market. Starting at the lower end of the risk spectrum there are several corporate bond ETFs, as well as some Gilt-based investments. Moving on to the medium risk level, you can choose from global funds to ones that are more specific to individual regions, such as the US or Asia. There's also the option of investing in individual indices: 'index trackers' are available for the UK's FTSE100 and 250 Indexes, the US S&P 500, or Europe's Euro first 100 & 80, spanning the top European companies. For those wanting a higher level of risk, there are also ETFs which will give you exposure to emerging markets, such as Turkey, Korea, Taiwan and Eastern Europe. ETFs don't offer the same wide variety as unit trusts, but for investing in the countries and sectors they do cover, their charging structure and trade ability make up for this. As such, they provide a good, low cost, easily-traded route into the market, with the flexibility to move up the risk ladder as your experience and capital grows.

Finally, if you've an appetite for an even spicier approach, the London Stock Exchange also enables you to invest in commodities, through ETCs (Exchange Traded Commodities). Although like ETFs they are traded in the same way as shares, and are eligible to be held in a PEP or ISA, they do work in a completely different way. Whereas ETFs actually buy the underlying investments, ETC managers don't buy and store tons of wheat and copper, stack-up barrels of oil, or herd livestock into pens. Rather, they buy options on these commodities. As a result, ETCs are classed as more 'complex' investments by the FSA and you'll need to complete a special 'risk notice' confirming you understand the additional risks of investing in them. So take a fresh look at ETFs - you might just find they offer you more than you thought!

Funds: take your pick of the best

Unit Trusts and Open Ended Investment Companies (OEICs) are investments that let you pool your money with lots of other 'retail' investors. This money is invested on your behalf by a wide range of specialist fund managers, investing in, for example, Government gilts and bonds, commercial property and equities. Investing in funds gives you access to a highly-diversified range of investments at a reasonable cost. You will also have easy access to asset classes and international markets that would otherwise be difficult and expensive to invest in and benefit from the Fund Manager's contacts, knowledge, experience and expertise. Funds come in many shapes and sizes from 'trackers' to specialist or 'themed' funds.

An index-tracking fund (often referred to as a 'passively managed fund') aims to match or 'track' the performance of a given market index, such as the FTSE All Share or the FTSE 100. They do this using computer programs to work out how much of each individual company they need to buy and sell to mimic the performance of the Index as a whole. But not all 'tracker funds' match the Index they are tracking that well - so be sure to check their record. An 'actively managed fund' on the other hand employs researchers to study and engage with companies in which they plan to invest, and to keep abreast of the prospects for companies in which they already invest. They'll compare their performance to a 'benchmark' index related to the investment objectives of their fund, with the expectation that the extra work they put into tracking down the 'best' investments will literally pay dividends through higher growth than that of their benchmark.

Choosing your funds

When you pick your funds, be sure to rate them against other funds that fish in the same waters. Don't expect a 'value' fund and a 'growth' fund to have similar track records. Only by comparing funds with their true peers will you make a good choice. Whilst past performance should not be seen as an indication of future performance, past performance does matter when comparing like with like. Chasing winners however, is as dangerous as day-trading. Not surprisingly, all five of the top-performing funds at the end of 1999 were technology sector funds. Sector funds have a place in many a portfolio, but for the majority of investors they belong at its edges, not at its heart. An individual fund will give you a wider spread of underlying investments: by investing across a number of funds you're better able to smooth out the ups and downs of the market overall. But that won't work if it turns out that your funds hold virtually the same investments. So have a look at each fund report to see their top holdings and make sure you've got a good spread overall.

Individual Company shares

When it comes to the individual shares part of the investment model, the lowest risk entry point has always been recognised as companies in the FTSE 100. However, you should always bear in mind that the Index evolves over a period of time, changing its overall make-up. Consider, for example, that over the last 6 years technology shares have fallen out of the Index, while mining companies, on the back of booming commodity prices, have dramatically increased their presence. Yet, because of the volatility and cyclical nature of the sector, individual mining groups can't be classed as low risk. Other 'big names' have gone from the Index due to take-over activity - companies like P&O, Abbey National & BAA - all of which have to be replaced.

Today, some 80% of the make-up of the overall value of the FTSE100 comes from just 5 sectors - Banking, Mining, Oil & Gas, Pharmaceuticals, and Telecoms (fixed and mobile). So, if you're looking to the Footsie to form the bedrock of your investment in individual shares, where should you start? Companies involved in essential, everyday products and services, such as the water and electricity utilities and broad-based retailers often provide a solid backbone to any share portfolio. You could argue, however, that the classic 'defensive' nature of utilities has recently been undermined by the number of take-overs within the sector. The share prices of the remaining companies have climbed to all-time highs, potentially increasing the level of risk.

There is without doubt an appetite for the assured cash flow that utilities provide, and it's fair to say that a growing number of analysts agree it's hard to justify the current prices. Despite this, get your timing right, buying at the right price, and these sectors should still provide a strong base on which to build your individual holdings. To extend your scope, whilst still staying within a lower risk profile, your next ports of call should be into the banks, pharmaceuticals, tobacco and beverages sectors.

Move on up to the intermediate, 'medium risk' level, and you've an increasing choice, including the remaining FTSE100 companies, dominated by the mining sector. The majority of shares in the FTSE250 would also fit into this 'medium risk' category. Still relatively large companies, it is these shares that have seen some of the biggest gains over the last 3 years, helping push the 250 Index to record levels in 2006. One noticeable difference between the FTSE250 compared to the FTSE100, is that companies here generally have less international exposure. When it comes to the consideration of risk, you can play this one of two ways: some argue that having the majority of profits coming from the UK provides for less risk, while others (including us) favour having fingers in as many regions as possible.

Finally, at the higher end of the risk scale you find smaller companies and AIM quoted shares. These tend to be more volatile and less liquid than their larger cousins, factors that generally lead to wider bid/offer spreads. The AIM market has seen considerable growth over the last 10 years, partly because companies don't have to comply with the same stringent requirements of the main market.

Often, private investors don't get a look-in as part of the flotation, having to wait until the shares start trading, so do pick your time and use stop-loss limits - that early flush of success isn't always carried through. One of the fastest growing sub-sectors within AIM is small mining and exploration groups, many of which are based abroad but have chosen to list in the UK. Because their prospects include a significant amount of 'hope' value, such companies will represent the very highest level of risk. Equally classified as higher-risk, though as a result of different factors, are shares in overseas companies.

Household names like Volvo, Coca Cola and Johnson & Johnson are big names and big companies. The additional risk they bring for investors comes from the fact that the majority of their earnings are from overseas. So you face the added risk of changes in exchange rates. Over recent months, for example, the fall in the US$ would have had a big impact on the sterling value of dividends from US shares And when the companies you invest in are smaller ones, it's often harder to find reliable research and analysis, harder to track and compare performance, and harder to follow the news that affects the share price. True, most big UK names also trade globally, but as 'home market' companies they are well-researched, much commented upon and regularly feature in the UK business finance pages. That's not to say you shouldn't venture outside these shores - far from it - but you need to do so with your eyes open. That's why we see overseas shares as being more appropriate for investors asthey move up the experience ladder and once they've built a balanced portfolio. And it's also why, in general, we'd advise investing in market trackers and funds before moving into individual overseas shares.

Superior Leader - Warren Buffet

noreply@blogger.com (ANTON) — Wed, 15 Apr 2009 01:36:00 +0000

Superior business leader and American investor Warren Buffett is often called “Oracle of Omaha” or the “Sage of Omaha” and philanthropist. (Wikipedia, 2007) Buffett is the CEO, and the biggest shareholder of the Berkshire Hathaway Company. Buffett’s has an estimated current net worth of approximately $52 billion in US funds. Forbes Magazine ranks Buffett the third richest person in the world in September 2007 behind Carlos Slim and Bill Gates.

Warren Buffett is known for his economical and plain lifestyle. Buffett still lives in the same Omaha, Nebraska house that he purchased in 1958 for $31,500 with a current value of $700,000. In 1989, Buffett spent $9.7 million of the Berkshire’s funds on a corporate jet. He jokingly named it “The Indefensible” because of his past criticisms of such purchases by other CEOs. (Wikipedia, 2007)

Warren Buffett decided to make a commitment to give his fortune to charity back in June 2006. Buffett’s charity donation is approximately $30 billion, which is the largest donation in the history of the United States. The donation was enough to more than double the size of the foundation with 83% of it going to the Bill and Melinda Gates Foundation. Buffett believed that his family had enough money to get started in life so Buffett decided to give his fortune to charity. Buffett’s annual salary in 2006 was only $100,000. In 2007, Buffett was listed among Time Magazine’s 100 Most Influential People in the World. (Wikipedia, 2007)

What makes Warren Buffett a good business leader? This is what everyone wants to know because Warren buffet is so successful. It all starts with leadership. Warren buffet is a true leader where his leadership makes a difference in the world. Leadership is very much related to change and Warren Buffett has the capabilities of leadership change to fit the changing world. Warren Buffett has repeatedly demonstrated the ability to map read in the irregular waters of change. Is Warren Buffett born a leader? The authors of this paper believe not. Experience and research has shown little evidence that an individual who comes to power is a “born leader.” Warren Buffett took the falls that any other leader has to take. Warren Buffett learned from his mistakes and turned his mistakes into a positive thing. Warren Buffett shares his leadership at all organizational levels and Buffett is empowered to share leadership responsibilities. In the world of business, many titles related to leadership roles are actively used in business and Warren Buffett wears those titles to make him effective in multiple leadership positions in business. Distinction between good leadership and good management is made often. Managers are made to be organizational, controllers and budgeters. Warren Buffett has leadership in all three departments and one must have these traits to be a good business leader.

Another important trait in Today’s business leadership is communication. Warren Buffet is a skilled communicator in all aspects of life. Communication is the real key of leadership. Skilled communicators have an appreciation for positioning in the business world. Warren Buffet is experienced at positioning himself at the right place at the right time. Warren Buffet has the understanding of the people he is trying to reach and what he can and cannot hear from the people. Knowledge of audiences’ needs and wants gives the orator the ability to listen. Warren Buffett is an excellent listener with the ability to convey his understanding.

When Warren Buffett talks, people listen. Warren Buffett can send a message through an open door and does not have to push the message through a wall.

Leadership is crucial to any successful business and good leadership is what Warren Buffett is all about. This is what makes Warren buffet a good business leader.

Mr. Warren Buffett’s investment strategies and course of leadership are shining examples of characteristics shared by cognitive theorists. Cognitive theory is an approach of explaining behavior through perception, anticipation, and thinking. Mr. Buffett’s continual approach of analyzing both possible investment choices, market trends, and the ability to place management resources of the right caliber in the right position has consistently brought this investor to the forefront amongst peers and the marketplace. At the core of every sound investor is a creative innovator.

Innovation demands creativity. Creativity in turn draws on our cognitive faculties, across the full amplitude from emotion to reason. In the number-heavy world of global investing, innovative thinking is critical. Innovative investors decipher future trends, spot likely winners by combining science (financials) with art (acuity and perception) and continuously mitigate risk. They assess user needs, product features, the proper deployment of money, professional organizational structures and risk management. (Kore Kalibre, 2006)

Mr. Buffett’s instinct and ability to interpret market trends is also held by tight reigns. Despite over 50 years of growth, Mr. Buffett always adheres to one of the most basic business principles: “…only compete where you have a competitive advantage. Warren Buffett refers to staying within your circle of competence. Social psychologists tell us, though, that we are prone to overconfidence when it comes to assessing our abilities…” (Arthridge, 2006) A man of Warren Buffett’s position and track record could easily be derailed to a sense of over confidence. The principle of only competing within your range of competitive advantage is a principle that can be applied to many other areas in life, and Mr. Buffett’s ability to work and live by this idea has allowed him to continue forward with minimal bruising.

By establishing the previous examples, the authors can reinforce the principles of cognitive theory in that Mr. Buffett behavior patterns are clearly dictated by thought processes, which include interpretation, analysis, and foresight. “As experiences and events gain meaning and value, the process becomes increasingly top down as the mind in (a) attempt at an orderly process influences perception though beliefs, goals and external process” (Gardener, 2007)

Warren Buffett’s is a self empowered leader, because he is loyal, sets goals, plans a strategy for achievement, and stays committed until he accomplishes his purpose. Up to date, he is the greatest stockbroker of all-time. He is a very conservative investor that prefers to invest in companies that sell name brand products that he uses. For example, Coca-Cola, Gillette Razors, See’s Candy, Gulfstream Jet, and GEICO are the major companies he invested in. In the nineties his assets quadrupled in less than five years. He is a smart investor that usually does not take big investment risks. For example, he will not invest in internet stock, because the return is unpredictable. He likes to invest in companies that he is sure will be successful 20 years later. He buys the company with the intentions of keeping it forever. Usually, the management team of each company is the same staff that sold it Warren Buffett from the beginning. He stays loyal to his partners, and the team workstheir best to keep him happy.

After Warren Buffett’s wife died, he decided to donate 85% of his money to charity. However, “he wants his money to be used the same year he donates it”.(Harris, 2006) The requirement will accelerate the process to help the world. According to Fortune magazine, five-sixths of his money will go to the Bill and Melinda Gates Foundation. This foundation which focus on finding cures for diseases that are common in poor nations. The rest of the money will be split among four other charities, that are each run by his three children and one that is in his late wife’s name.

Warren Buffett is not a huge spender. In fact, he still lives in the same house he bought 40 years ago. Warren “told ABC News “Nightline” that being born into wealth did not entitle his children”(Harris, 2006). In addition, he told Fortune magazine that, “A very rich person would leave his kids enough to do anything, but not enough to do nothing.”(Harris, 2006) In other words, he wants his children to work earn their money and value hard work and smart choices.

In the year 2006, Warren’s first annual donation to the Bill and Melinda Gates Foundation was $1.5 billion and the rest was divided among the four charities. He was the first person to make a donation better than Bill Gates, the richest man in the world. It seems as if Bill Gates and Warren Buffett set a good example and lead others to be more generous, because now the Barron Hilton has committed to donating half of his fortune to charity also. Barron Hilton is the founder of the Hilton Hotels and is worth $2.3 billion. Hopefully, a trend started among the fortunate to give to the less fortunate.

The personality of Warren Buffett ties to the Social Cognitive Level, because he tries to understand and make sense of other people. He observes the differences in social knowledge when dealing with people. Social cognition refers to making sense of ourselves, others, and how the information is used. In the sixties and seventies Albert Bandura and Walter Mischel were psychologists, studying personality development. They found that social learning and cognitive principles improve ones abilities to self-regulate and to follow goals. Warren investment choices were successful, because he conditioned his the way he processed information, choices, and expectations.

References - DO Not Strip References!

Gardener, J. (2007). Cognitive Behavior Theory. Retrieved December 26, 2007, from http://www.cognitivebehavior.com/theory/index.html

Harris, D. (2006, June 26,). Warren Buffett's Unprecedented Generosity. Retrieved December 31, 2007, from http://abcnews.go.com/print?id=2118501

Kore Kalibre (2006, March-April 2006). Warren Buffett’s Innovation: Staying away from Rapid Product Innovation. Retrieved December 26, 2007, from http://www.korekalibre.com/index.php?option=com_magazine&task=show_magazine_article&magazine_id=26

Legg Mason Value Trust (2006, October 26). Legg Mason Value Trust (LMVTX) Letter to Shareholders. Retrieved December 26, 2007, from http://markets.kiplinger.com/kiplinger?GUID=323448&Page=MediaViewer&Ticker=LMVTX

Wikipedia (2007, December 25). Warren Buffett. Retrieved December 18, 2007, from http://en.wikipedia.org/wiki/Warren_Buffett

Understanding the Mortgage Meltdown; What happened and Who's to Blame

noreply@blogger.com (ANTON) — Wed, 15 Apr 2009 01:35:00 +0000

People are losing their homes and many more will lose their jobs before the mortgage meltdown works its way through the system.

To paraphrase Alan Greenspan's remarks on March 17th, 2008, “The current financial crisis in the US is likely to be judged in retrospect as the most wrenching since the end of the Second World War. The crisis will leave many casualties.”

How many casualties? Experts are predicting that in the next few years, between 15 and 20 million homeowners could have homes worth less than what they owe. Walking away from a bad situation may actually make sense for people who mortgages that are 'upside down' considering the fact that refinancing is out of the question and home equity is nonexistent.

It seems quite easy to point fingers at greedy Wall Street titans for causing the sub-prime mortgage crises. They after all, put together the deals that allowed banks to underwrite mortgages and then offload these liabilities to investors. What many fail to realize is that there is no shortage of blame to go around from homeowners buying more home than they could afford to real estate agents looking for more commission dollars. Mortgage brokers and bankers, the banks themselves, ratings agencies such as Moody's and Standard & Poor's, Wall Street, the Fed and last but certainly not least, the Federal Government.

Let's start with the homeowners--the people who are now in the process or soon to enter the process, of losing their homes. Some of these people had never before owned a home and as such, may not have been prepared for the costs associated with homeownership. Basic financial literacy is sorely lacking in this country despite there being no shortage of budgeting and tracking programs readily available such as Quicken and Microsoft Money. The lack of financial literacy does not absolve these buyers of their responsibility. Every borrower receives a truth in lending disclosure statement. Here is a portion of what the act covers:

The purpose of TILA (Truth In Lending Act) is to promote the informed use of consumer credit by requiring disclosures about its terms and cost. TILA also gives consumers the right to cancel certain credit transactions that involve a lien on a consumer's principal dwelling, regulates certain credit card practices, and provides a means for fair and timely resolution of credit billing disputes. With the exception of certain high-cost mortgage loans, TILA does not regulate the charges that may be imposed for consumer credit. Rather, it requires a maximum interest rate to be stated in variable-rate contracts secured by the consumer's dwelling. It also imposes limitations on home equity plans that are subject to the requirements of Sec. 226.5b and mortgages that are subject to the requirements of Sec. 226.32. The regulation prohibits certain acts or practices in connection with credit secured by a consumer's principal dwelling.

Much of the subprime mortgage crisis can be traced directly back to variable-rate mortgages. As is clearly stated above, “TILA does not regulate the charge that may be imposed for consumer credit. Rather, it requires a maximum interest rate to be stated in variable-rate contracts secured by the consumers dwelling.” It also clearly states that TILA also gives consumers the right to cancel certain credit transactions that involve a lien on a consumer's principal dwelling. One has to wonder whether or not these homeowners:

1. Bothered to read the truth in lending act disclosure at all.

2. Understood what the truth in lending act disclosure meant.

3. Chose to ignore the information printed clearly the truth in lending act disclosure.

A number of months ago, just as the subprime mortgage crisis was beginning to unfold, The New York Daily News ran an article about a family in New York City, who had bought a home and were now faced with the prospect of foreclosure. The article was sympathetic to this family, highlighting the fact that they're living the American dream and that this dream was about to come to an end. What I found to be distressing was the fact that clearly visible in the photo that accompanied this sympathetic article was a very expensive flat screen television hanging on the wall. Perhaps I'm naïve, but I can assure you that if I were faced with the prospect of losing my home and having my family put out on the street, there is absolutely no way that I would still have that expensive television hanging on my wall. It would have been one of the first things to be sold and some financial relief would be found by jettisoning what I'm sure was the expensive cable bill.

Clearly the public needs easy access to financial literacy courses. Too bad we don't see the need to make this a mandatory course of study in our educational system.

Mortgage bankers and brokers have in the last four or five years been raking in cash by the bucket load in the form of commissions paid when mortgages they've originated, close. Many of these people have not needed to do much in the way of prospecting. Instead, their phones have run off the hook as people have jumped on the homeownership and refinancing and take out extra cash bandwagon, despite their ability to pay for their home. No-document loans were readily available without the borrower having to produce documentation that backed up their income. Clearly this practice can and indeed has, lead to substandard loan underwriting processes. Were some of these mortgage bankers and brokers dishonest? Sure. Were all of them dishonest? I think not. To have a massive nationwide conspiracy, where thousands and thousands of people involved in the mortgage banking and mortgage brokering profession got together to create this situation is simply not feasible. Yes, some of the blame does belong with those in the mortgage industry, but they were simply a small cog in the huge machine that created this mess.

Let's discuss real estate agents. In 2007, we bought a home, and also sold a home. The agent we used to purchase our home was absolutely fantastic. In our opinion, she went above and beyond to make our deal happen. She answered every phone call, followed up on every concern and was the epitome of professionalism. We consider this individual to be a friend, and we have sent referrals her way that have resulted in her earning additional commissions. We will continue to recommend her to all who ask or mention that they'd like to buy or sell a home in our area.

The real estate agent, we used to sell our home, could not have been more different. We got our old home ready to sell prior to closing on our new home. We decided to list it as “For Sale by Owner.” In the event that we didn't sell this home on our own, it was our intention to list it with an agent as soon as we had closed on the purchase our new home. Literally, from the day we put the sign in front of our home and listed it on a “For Sale by Owner” website we were inundated with phone calls from real estate agents. We were told many lies and were constantly harassed; although we had already made it quite clear to every agent who called, and there were more to 60 who did; that we were willing to pay half the commission-the same as they would have received had they sold another agent's listing. We also told every agent that called that we had already lined up an agent to sell our home in the event that we chose to no longer sell it ourselves. Our deadline was the closing date of our new home purchase. We did have an interested buyer who shortly after our closing date decided to keep looking so we listed our home with a local agent so that we could concentrate on getting our new home ready for our moving date at the end of the school year. This agent showed our home a maximum of two times and got an offer which we accepted. We ended up getting $1,000 less than we had wanted in a declining Real Estate market. The agents who had called many times to harass us called our listing agent on a number of occasions and he lied telling them that the house was under contract when in fact it wasn't at that time-clearly a breach of our agent's fiduciary duty. Quite frankly an ethical agent would have continued to show our home until closing in the event that the deal fell through.

But wait, there's more. Our agent also acted as the buyer's mortgage broker. At the closing table, we learned that he had signed documents from the buyer stating that he (our agent) represented them and we had signed documents stating that he represented us. We also learned that the buyer had effectively put down approximately 2-3% of the purchase price when financed closing costs were factored into the equation. Their first mortgage had what we thought was a high fixed rate and their second mortgage came with a rate in excess of 8.5%. Because the closing happened in August, literally in the midst of the first wave of the meltdown, if they didn't close on the day they did (August 31st, 2007), Citibank wasn't going to extend their rate. When my wife & I have bought houses in the past, it had always been a very happy day. These people looked absolutely shell-shocked at the closing table. I'm not convinced that they knew just how much their monthly payment was going to be until closing day. We knew down to the penny well in advance having budgeted and planned everything on a spreadsheet. Were these people stupid or just inexperienced and mislead by a greedy combination of real estate agent & mortgage broker? I'm extremely confident that they are intelligent people but inexperienced and taken advantage of by an unscrupulous agent.

The banks are also culpable. Prior to bank deregulation, Savings and Loans provided mortgages to home buyers and kept these loans on their books. Non-performing loans had a negative effect on the S&L's profitability which of course caused tighter lending guidelines such as job stability and decent down payments in order for prospective home buyers to be approved for a mortgage. Way back then, a home buyer had to actually save up enough money for a down payment 10 or even 20% before a bank would ever consider underwriting a mortgage. The checks & balances kept banks solvent and borrowers responsible. Although this approach worked, some cried foul stating that the regulated system was racist and discriminatory-and there certainly was some truth to this. Skipping forward to the present, banks made a bundle on mortgages over the past five or six years. For the most part, they allowed their underwriting criteria to be stretched so far out of alignment that almost anyone could and indeed did, qualify for a mortgage despite their ability to pay. Some folks even applied for and received mortgages for more than the property was worth. Sometimes for as much as 25% more than their property was worth!

Under the prior system, 125% mortgages would not have been possible because of course these loans were held on the banks' books and could have led to losses that would have had to have been absorbed directly by the bank.

So what went wrong? Under the current system, these loans were sold to the big Wall Street investment firms who repackaged them as collateralized mortgage obligations (CMO's), Mortgage Backed Securities (MBS's) and other similar acronyms. These instruments were then sent to the ratings agencies for their blessing and more importantly a letter rating. Many of these structured finance deals receive AAA ratings-the highest ratings available meaning that in theory, these instruments were least likely to default. How does one create a 'triple A' or AAA rated financial instrument out of sub-prime mortgages? Herein lies the magic. These Asset Backed Securities (ABS) are made up of different tranches or slices, each carrying a different risk and reward level. The first dollar of principle and interest is applied to the securities with the highest rating, and the first dollar of loss is applied to the tranche with the lowest ratings. The lower slices are designed to provide a security blanket that in theory protects the higher-rated securities. The investment banks that package or 'structure' these securities in order to earn fat fees when they sell them to investors are the same entities that pay the ratings agencies to rate these instruments. Clearly the possibility for conflict of interest is present. If investors and not the investment banks that stand to rake in millions in fees were to pay for the rating, the potential for this conflict of interest would be negated. Furthermore, the investment banks have a vested interest in convincing the ratings agencies of the credit worthiness of these securities.

So we've already pointed fingers at homeowners, some greedy, many more I suspect, naïve or uninformed, real estate agents-one out of more than 60 in my experience was a gem, mortgage brokers & bankers, banks, Wall Street and ratings agencies so who's left? The Federal Reserve and the Government of course.

The Fed as its known is responsible of the country's monetary policy and for supervision and regulation of banks. This is the definition of the Fed's roles in their own words:

Monetary Policy

The Fed is best known for its role in making and carrying out the country's monetary policy-that is, for influencing money and credit conditions in the economy in order to promote the goals of high employment, sustainable growth, and stable prices.

The long-term goal of the Fed's monetary policy is to ensure that money and credit grow sufficiently to encourage non-inflationary economic expansion.

The Fed cannot guarantee that our economy will grow at a healthy pace, or that everyone will have a job. The attainment of these goals depends on the decisions of millions of people around the country. Decisions regarding how much to spend and how much to save, how much to invest in acquiring skills and education, how much to spend on new plant and equipment, or how many hours a week to work may be some of them.

What the Fed can do, is create an environment that is conducive to healthy economic growth. It does so by pursuing a goal of price stability-that is, by trying to prevent inflation from becoming a problem.

Inflation is defined as a sustained increase in prices over a period of time.

A stable level of prices is most conducive to maximum sustained output and employment. Also, stable prices encourage saving and, indirectly, capital formation because it prevents the erosion of asset values by unanticipated inflation.

Inflation causes many distortions in the market. Inflation:

· hurts people with fixed income-when prices rise consumers cannot buy as much as they could previously

· discourages savings

· reduces economic growth because the economy needs a certain level of savings to finance investments that boost economic growth

· makes it harder for businesses to plan-it is difficult to decide how much to produce, because businesses can't predict the demand for their product at the higher prices they will have to charge in order to cover their costs

Bank Regulation & Supervision

The Fed is one of the several Government agencies that share responsibility for ensuring the safety and soundness of our banking system. The Fed has primary responsibility for supervising bank holding companies, financial holding companies, state-chartered banks that are members of the Federal Reserve System, and the Edge Act and agreement corporations, through which U.S. banking organizations operate abroad.

The Fed and other agencies share the responsibility of overseeing the operation of foreign banking organizations in the United States. To insure that the banking system remains competitive and operates in the public interest, the Fed considers applications by banks for mergers or to open new branches.

The passage of the Gramm-Leach-Bliley (GLB) Act in November 1999, was the culmination of a multi-decade effort to eliminate many of the restrictions on the activities of banking organizations.

Some of the main provisions of the GLB are:

· Repeals the existing limitations on the ability of banks to affiliate with securities and insurance firms

· Creates a new organizational form that allows banking organizations to carry new powers. This new entity called a "financial holding company," (FHC) and its non-banking subsidiaries are allowed to engage in financial activities such as insurance and securities underwriting

The Fed's enlarged role as an umbrella supervisor of FHCs is similar to its role in supervising bank holding companies. The Federal Reserve Banks will supervise and regulate the FHCs while each affiliate is still overseen by its traditional functional regulator.

The Fed has to delineate the financial relationship between a bank and other FHC affiliates. Its primary goal is to establish barriers protecting depository institutions from the problems of a failing affiliate. To do this efficiently the Fed has to ensure increased communication, cooperation, and coordination with the many supervisors of the more diversified FHCs.

The Fed has access to data on risks across the entire organization, as well as information on the firm's management of those risks. Regulators will be in a position to evaluate and presumably act on risks that threaten the safety and soundness of the insured banks.

It would appear that the Fed has failed to curb housing inflation which played a role in this entire debacle then made matters worse and in their efforts or lack there of, to properly supervise banking institutions.

Finally the government, a.k.a. Uncle Sam, the big Kahuna 10,000 pound elephant etc. Where do we begin? How about with: 'Where were they?'

It now appears that after millions of horses are out of the barn (some horses ran, others were foreclosed upon) the government wants to step in with a bailout to save the rest. While nobody wants to see people lose their homes, the question that must be raised is this: What about all those of us who were responsible? Those of us, who scrimped and saved up a decent down payment, bought less-house than we could afford and who live below our means? Many of us drive older cars and keep them longer. We don't run out and buy the latest and greatest at inflated prices, we watch, wait and budget.

When the World Trade Center was attacked, families who decided not to sue received government payouts and we certainly don't begrudge them as I'm sure that given the choice, they'd prefer to still have their loved-ones over the money. The problem, in typical government fashion is that those who were responsible and had insurance policies in place received less than those who were irresponsible and didn't plan ahead. I'm not talking about dishwashers at Windows on the World and blue collar workers; I'm talking about executives, traders and people who should have known better.

Now our government, the same government that sat by idly watching as this bubble got bigger and bigger despite many warnings, wants to step in and bailout people who are in danger of losing their homes. There has been no talk about educating people, let's not teach people to fish, rather, let's give them a fish and bail them out once again at the expense of those who are responsible.

Clearly, by keeping the majority of the population financially ignorant, there is a lot of money to be made by the poverty industry.

How to Successfully Navigate Your Business through an Economic Downturn

noreply@blogger.com (ANTON) — Wed, 15 Apr 2009 01:29:00 +0000

An economic downturn is a phase of the business cycle in which the economy as a whole is in decline.This phase basically marks the end of the period of growth in the business cycle. Economic downturns are characterized by decreased levels of consumer purchases (especially of durable goods) and, subsequently, reduced levels of production by businesses.

While economic downturns are admittedly difficult, and are formidable obstacles to small businesses that are trying to survive and grow, an economic downturn can open up opportunities. A well-managed company can realize the opportunity to gain market share by taking customers away from their competitors. Resourceful entrepreneurs capture the available opportunities, from an economic downturn, by developing alternate methods of doing business that were never implemented during a prior growth period.

The challenge of successfully navigating your business through an economic downturn lies in the realignment of your business with current economic realities. Specifically, you, as the business owner, need to renew a focus on your core clients/customers, reduce your operating expenses, conserve cash, and manage more proactively, rather than reactively, is paramount.

Here are best practices that will help you to successfully navigate your business through an economic downturn:

Goals:

The primary goal of any business owner is to survive the current economic downturn and to develop a leaner, more cost-effective and more efficient operation. The secondary goal is to grow the business even during this current economic downturn.

Objectives:

• Conserve cash.

• Protect assets.

• Reduce costs.

• Improve efficiencies.

• Grow customer base.

Required Action:

• Do not panic… History shows that economic downturns do not last forever. Remain calm and act in a rational manner as you refocus your attention on resizing your company to the current economic conditions.

• Focus on what YOU can control… Don’t let the media's rhetoric concerning recessions and economic slowdown deter you from achieving business success. It´s a trap! Why? Because the condition of the economy is beyond your control. Surviving economic downturns requires a focus on what you can control, i.e. your relevant business activities.

• Communicate, communicate, and communicate! Beware of the pitfall of trying to do too much on your own. It is a difficult task indeed to survive and to grow your business solely with your own efforts. Solicit ideas and seek the help of other people (your employees, suppliers, lenders, customers, and advisors). Communicate honestly and consistently. Effective two-way communication is the key.

• Negotiate, negotiate, and negotiate! The value of a strong negotiation skill set cannot be overstated. Negotiating better deals and contracts is an absolute must for realigning and resizing your company to the current economic conditions. The key to success is not only knowing how to develop a win-win approach in negotiations with all parties, but also keeping in mind the fact that you want a favorable outcome for yourself too.

Recommended Best Practice Activities:

The Nuts and Bolts… The following list of recommended best practice activities is critical for your business' survival and for its growth during an economic downturn. The actual financial health of your particular business, at the outset of the economic downturn, will dictate the priority and urgency of the implementation of the following best practice activities.

1. Diligently monitor your cash flow: Forecast your cash flow monthly to ensure that expenses and planned expenditures are in line with accounts receivable. Include cash flow statements into your monthly financial reporting. Project cash requirements three-to- six months in advance. The key is to know how to monitor, protect, control, and put cash to work.

2. Carefully convert your inventories: Convert excess, obsolete, and slow-moving inventory items into cash. Consider returning excess and slow-moving items back to the suppliers. Close-out or inventory reduction sales work well to resize your inventory. Also, consider narrowing your product offerings. Well-timed order placement helps to reduce excess inventory levels and occasional material shortages. The key is to reduce the amount of your inventory without losing sales.

3. Timely collection of your accounts receivable: This asset should be converted to cash as quickly as possible. Offer prompt payment discounts to encourage timely payments. Make changes in the terms of sale for slow paying customers (i.e. changing net 30 day terms to COD). Invoicing is an important part of your cash flow management. The first rule of invoicing is to do it as soon as possible after products are shipped and/or after services are delivered. Place an emphasis on reducing billing errors. Most customers delay payments because an invoice had errors, and therefore, will not pay until they receive a corrected copy. Email or fax your invoices to save on mailing time. Post the payments that you have received and make deposits more frequently. The key is to develop an efficient collection system that generates timely payments and one that gives you advance warning of problems.

4. Re-focus your attention on your existing clients/customers: Make customer satisfaction your priority. A regular review of your customers' buying history and frequency of purchases can reveal some interesting facts about your customers' buying habits. Consider signing long-term contracts with your core clients/customers which will add to your security. Offer a discount for upfront cash payments. The key is to do what it takes to keep your current customers loyal.

5. Re-negotiate with your suppliers, lenders, and landlord:

i) Suppliers: Always keep your negotiations on the level of need, saying that your company has reviewed its cost structure and has determined that it needs to lower supplier costs. . Tell the supplier that you value the relationship you have developed, but that you need to receive a cost reduction immediately. Ask your supplier for a lower material price, a longer payment cycle, and the elimination of finance charges. Also, see if you can buy material from them on a consignment basis. In return for their price concessions, be willing to agree to a long-term contract. Explore the idea of bartering as a form of payment.

ii) Lenders: Everything in business finance is negotiable and your relationship with a bank is no exception. The first step to successful renegotiations is to convince your lenders that you can ultimately pay off the renegotiated loan. You must point out to your lenders why it would be in their best interest to agree to a new arrangement. Showing them your business plan and your action plan that includes your cost-savings initiatives, along with "the how" and "the when" of the implementation of your plan is the best way to achieve this goal. Explain to them that you will need their cooperation to insure that you can survive, as well as, grow your business during the economic downturn. Negotiated items include: the rate of interest, the required security to cover the loan, and the beginning date for repayment. A beginning date for repayment could be immediate, within several months or as long as a year. The key is to realize that your lender will work with you, but that frequent and continual communications with them is critical.

iii) Landlord: Meet with your landlord. Explain your need to have them extend the term of your lease at a reduced cost. Make sure you have a clause in the lease agreement that entitles you to have the right to sublet any or all of the leased space.

6. Re-evaluate your staffing requirements: This is a very critical area. Salaries/wages are a major expense of doing business. Therefore, any reduction in the hours worked through work schedule changes, short-term layoffs or permanent layoffs has an immediate cost saving benefit. Most companies ramped up hiring new employees in the good times, only to find that they are currently overstaffed due to slow sales during the economic downturn. In terms of down-sizing your staff, be very careful not to reduce your staff to a level that forces you to skimp on customer service and quality. Consider the use of part-timers or the current trend of outsourcing certain functions to independent contractors.

7. Shop for better insurances rates: Get quotations from other insurance agents for comparable coverage to determine whether or not your present insurance carrier is competitive. Also, consider revising your coverage to reduce premium costs. The key is to have the right balance-to be adequately insured, but not under or over insured.

8. Re-evaluate your advertising: Contrary to the other cost-cutting initiatives, evaluate the possibility of increasing your advertising expenditures. This tactic realizes the advantage of the reduced "noise" and congestion (fewer advertisers) in the marketplace. The downturn period a great opportunity to increase brand awareness and create additional demand for your product/service offerings.

9. Seek the help of outside advisors: The use of an advisory board comprised of your CPA, attorney, and business consultant offers you objectivity and provides you with professional advice and guidance. Their collective experience in working with similar situations in past economic downturns is invaluable.

10. Review your other expenses: Target an across-the-board cost-cutting initiative of 10-15%. Attempt to eliminate unnecessary expenses. Tightening your belt in order to weather the downturn makes practical, financial sense.

Proactively managing your business through an economic downturn is an enormous challenge and is critical for your survival. However, through well-planned initiatives, an economic downturn can create tremendous opportunity for your company to gain greater market share. In order to take advantage of this growth opportunity, you must act quickly to implement the above best business practices to continue realigning and resizing your company to the current economic conditions.

Copyright © 2008 Terry H. Hill

You may reprint this article free of charge in your newsletter, magazine, or on your website, provided that the article is unedited, and that the copyright, author's bio, and contact information below appears with each article. Articles appearing on the web must provide a hyperlink to the author's web site, http://www.legacyai.com

Terry H. Hill is the founder and managing partner of Legacy Associates, Inc, a business consulting and advisory services firm. A veteran chief executive, Terry works directly with business owners of privately held companies on the issues and challenges that they face in each stage of their business life cycle. To find out how he can help you take your business to the next level, visit his site at http://www.legacyai.com

BURSA KERJA NASIONAL KARIR FAIR 2009

noreply@blogger.com (ANTON) — Tue, 17 Mar 2009 13:04:00 +0000

Kesempatan Bekerja Perusahaan Terkemuka di berbagai Posisi

- Bank BTPN

- PT. Star Cosmos

- PT. Kangar Konsulidated Industries

- PT. Bernofarm

- PT. Sinar Sosro

- PT. Lintas Group

- PT. Bahaestex

- PT. Royal Adi Sejahtera

- PT. Karya Mitra Budi Sentosa

- PT. Mandala Multi Finance

- PT Century Health Care

- PT. IMF

- PT. Pura Group

- PT. Anugrah Argon Medica

- PT. Infigy

- PT. Parastar Echorindo

- PT. KPSG

- Bank Danamon

- Apotek K-24

- PT. Sumber Alfaria Trijaya

- PT. USG

- PT. Atri Distribundo

- PT. Pharos Indonesia

- Apotik Plus

- PT. Solo Murni

- PT. Arcistec International

- PT. Bumen Redja Abadi

- Karir.com

Kualifikasi : Pendidikan SMU Sederajat / D3 / S1 / S2 Semua Jurusan

Bertempat di:

GEDUNG WANITA

Jl. Sriwijaya No. 29 Semarang

18 – 19 Maret 2009

Pk. 09.00 – 17.00

Info :

024 - 70988060

024 - 40060499

024 - 56599074

XILISOFT 3GP CONVERTER

noreply@blogger.com (ANTON) — Thu, 05 Mar 2009 03:20:00 +0000

Converter di atas dapat mempunyai kemampuan untuk mengubah format video dan audio menjadi format seperti yang kita inginkan. Sistem operasinya juga sangat mudah..

Untuk serial number, gunakan kode di bawah ini:

36452599420799434885780A-36EE-B05E-3D00
atau
CBE2-A0E0-6D29-6ED9-FF6C-C21F-CF82-6D97
atau
1BFA-A929-D9C0-5959-4816-A5D5-3C8A-10F5
atau
2789-3B92-34EC-54F4-A057-E2A9-D9EF-DD06

(oia klo wajah kotak dari puspowarno yang download harus traktir japanesse food 1 porsi untuk pemilik blog ini, hehehehe..bcanda.. )

----download disini-----

noreply@blogger.com (ANTON) — Thu, 05 Mar 2009 01:44:00 +0000

LOWONGAN KERJA

Anda berminat dalam PERTAHANAN DAN KEDAMAIAN ??

Jadilah patriot dan junjung tinggi negara anda!

Persyaratan :
1. Taqwa kepada Tuhan YME
2. Taat peraturan UUD 1945 dan Pancasila
3. WNI asli bukan blesteran
4. Tidak buta warna dan berkacamata
5. Tidak bertatto dan bertindik (bagi laki-laki)
6. Pendidikan min D3 atau S1 segala jurusan
7. Berumur diantara 18-25 tahun
8. Bisa bekerja sendiri maupun dalam team
8. Sanggup ditempatkan di mana aja
9. Bisa bekerja secara shift
10. Jujur dan bertanggung jawab pada atasan

Benefits :
1. Pegawai Negeri
2. Gaji pokok : Rp 4.500.000
3. Tunjangan Tugas : Rp 1.500.000
4. Tunjangan Rumah Rp 2.000.000
5. Tunjangan seragam: Rp 200.000
6. Tunjangan insentif : Rp. 500.000
7. Gratis kursus mempertahankan diri
8. Kenaikan pangkat dan dilantik oleh ketua unit setelah mengambil ujian tertentu
9. Jenjang karir jelas
10. Berkesempatan melanjutkan kuliah S2 atau S3 ke Singapore

Bila anda berminat, silahkan kirim CV lengkap dan pass photo 4X6 berwarna ke Markas Power Ranger Jl. Rahasia no 5,5 Semarang selambat-lambatnya 2 minggu setelah iklan ini dimuat

Bila anda terpilih dan lolos seleksi, 3 pasang seragam dinas dan perlengkapan standar akan diberikan dan anda harus melaporkan kembali diri anda selambat-lambatnya 30 hari setelah surat pengesahan dikeluarkan.

Posisi yang tersedia:
1. Power Rangers (PR)
2. Kamen Rider (KR)
3. Ultraman (UM)
4. Sailormoon (hanya wanita)à (SM)
5. Gatotkaca (GK)
6. Gundala Putra Petir (GPP)

Cantumkan kode posisi di kanan atas amplop!

(hehehehehe..becanda...)

SERIAL NUMBER WINDOWS

noreply@blogger.com (ANTON) — Tue, 03 Mar 2009 13:10:00 +0000

WINDOWS VISTA :

Windows Vista Business ———– J9QVT-JJMB9-RVJ38-M8KT6-DMT9M
Windows Vista Home Basic ——— KJTCW-YQGRK-XPQMR-YTQG8-DKVG6
Windows Vista Home Basic N ——- YQWWH-2YD6Y-V3K2X-H4H8V-WJ8WT
Windows Vista Home Premium —— PYYBC-K9XT9-V92KD-6CT89-4VB82
Windows Vista Ultimate ———— PVVFY-2F78Q-8T7M8-HDQB2-BR3YT
Windows Vista Enterprise ———- CYD8T-QHBMC-6RCMK-4GHRD-CRRB7
WINDOWS VISTA 2006
Name: cristi suta
S/N: TCP8W-T8PQJ-WWRRH-QH76C-99FBW
WINDOWS XP :
Windows XP Home Edition K ———- W8F6Q-HM3JB-2XRHD-7Q92J-XKY6W
Windows XP Home Edition KN ——— M9D9J-2TQV2-FBJQP-2M8G8-DGQ26
Windows XP Media Center Edition —– H23CJ-2WXM9-M9D2K-42226-DJWRD
Windows XP Professional Edition K —- FRH2X-6VD7F-YH2TV-2V8B7-J46F6
Windows XP Professional Edition KN — QKBGY-T8JFG-F448Q-24KR9-48XPJ
Windows XP Home Edition ———— GHGCP-3KFC6-Y4J4D-MVG7V-67TV6
Windows XP Professional ————- F9QV9-HDYR3-6QDR4-PGVW9-GTBBJ
Windows XP Professional IA64 Edition - BGVXG-CM3VK-FX848-B9JPY-YJJXD
Windows XP Professional x64 Edition — PFFY7-Y9RRY-MT6C7-XMQPK-RWFCW
Windows XP Tablet PC Edition ——– WFMYK-68Y2T-JD473-W8DMW-8PFHQ
WINDOWS 2000 :
Windows 2000 Professional ———— DDTPV-TXMX7-BBGJ9-WGY8K-B9GHM
Windows 2000 Server (All Versions) —- KRJQ8-RQ822-YRMXF-6TTXC-HD2VM
Win XP Home OEM: JQ4T4-8VM63-6WFBK-KTT29-V8966
Win XP Home Retail: RH6M6-7PPK4-YR86H-YFFFX-PW8M8
Win XP Home Upgrade: RH6M6-7PPK4-YR86H-YFFFX-PW8M8
Microsoft Windows XP Service Pack 2 Build 2162 Home Integrated SN:WWWJR-BX7CV-P32X2-C7VT3-QD6BP 16 043
MS Windows XP Professional SP2 RC2 beta build 2149 Intergrated SN:XP8BF-F8HPF-PY6BX-K24PJ-TWT6M 15 812
MS Windows XP MCE
Microsoft Windows XP Professional SP2 RC1 Integrated REPACK 15 389 SN:XP8BF-F8HPF-PY6BX-K24PJ-TWT6M
SUPPORTING USERS RUNNING THE MS WINDOWS XP OPERATING SYSTEM TRAINER 15 186
Microsoft Windows XP 64 Bit SP1 Integrated For 64 Bit Ext Systems 14 978
Ms Windows XP GR SP1 SN:4BR3X-4CP6X-2DTXP-FFDHT-7Q298 14 696
WINDOWS XP - Media Center Edition 2004*GERMAN* SN: KFX2B-HXQ68-78RWH-RPXPK-68DHM 14 460
Microsoft Windows XP Corporate Edition SP1a Intergrated SN: 7QVT6-T2738-WRKJB-YKRFQ-XVK98 11 684
Microsoft Windows Xp Media Center Edition PROPER
c82gj-yh627-72gbt-r7xv7-m7y4b SN: XJM6Q-BQ8HW-T6DFB-Y934T-YD4YT 11 324

Ms Office XP GR Prof.[3 CDs]SN :FPHY3-T6B6J-7CFJ9-W4HCT-964FM Publis: PQMVV-XDQ9Q-4C2HP-QK4TF-H4W4M 6482
Microsoft Office XP Developer Edition [3 CDs] CDKEY:FM9FY-TMF7Q-KCKCT-V9T29-TBBBG 5746
Microsoft Office XP Professional [3 CDs] FM9FY TMF7Q KCKCT V9T29 TBBBG 5595
MICROSOFT OFFICE FINAL XP CORPORATE EDITION cdkey: FM9FY TMF7Q KCKCT V9T29 TBBBG 5492
Microsoft Windows XP Professional French S/N: C9K94-F69VT-6JJ73-MCFG6-MY6QM
Microsoft Microsoft Office 2007 2007 (keine Beta) S/N: KGFVY-7733B-8WCK9-KTG64-BC7D8
ist die Serial für die Verkaufsversion - nix Beta oder so
Microsoft Office XP Professional French all S/N: F92JQ-FXHH7-MMPHV-BMK9Q-GFTF8
Microsoft Publisher French XP 2002 S/N: 54DTD-TP2FW-W2W6C-PYV2C-35WV8
or
J4DTD-TP2FW-W2W6C-PYV2C-35WV8
or
J4DTD-TP2FW-W2W6C-PYV2C-3JWV8
Microsoft Publisher French 98 98 S/N: 0456-0048612
8923-4755151
Microsoft Windows XP Professional French Service Pack 2 S/N: C9K94-F69VT-6JJ73-MCFG6-MY6QM
gurrazz save flash build 61 S/N: vMDqadLqfy4BgEd

KUMPULAN SERIAL NUMBER

noreply@blogger.com (ANTON) — Tue, 03 Mar 2009 13:03:00 +0000

A
Ashampoo Burning Studio 5.51 s/n: BRS5A3-778939-067CE3 http://www.ashampoo.com
ASHAMPOO CD2 IPOD V1.6.3 Name: MICKDUNDEE S/N: CD2PA1-771741-V6886O WORKS (null)
Ashampoo Powerup XP Platinum 1.1 S/N: PUPPA0-7700AB-977BED http://www.ashampoo.com
Ashampoo UnInstaller Platinum Suite 1.10 s/n: UIPSA3-770755-6656C7 http://www.ashampoo.com
Ashampoo WinOptimizer Platinum 3.00 s/n: AWPSC7-775601-515548 http://www.ashampoo.com
Asterisk Recovery Genie 1.2 Name: Asbg S/N: Astr-7626is58e-3714 (14/03/06) http://www.lenosoft.com/download/AsteriskGenie.exe
Astro World 2.3 Name: Sylvia Booth S/N: @QE3OMDQDO (null)
AstroFleas 1.3 s/n: 759316 http://www.all-sweets.com
AT Screen Thief 3.8.4 s/n: 4EOQKKN8E http://www.screenthiefsoft.com
Atani 3.4.1 s/n: 6P5333U4835 http://www.screenthiefsoft.com
Atani 3.4.2 s/n: 9HMMMFKKKK455G http://www.screenthiefsoft.com
AtLast SketchUp 5.0.232 Name: TEAM ACME s/n1: JA-192-49007177-AOM s/n2: 4539311-847604-40199 http://www.sketchup.com
Atomic Mail Sender 2.80 s/n: q0ywg7n925z5zqKyzE http://www.amailsender.com
Atomic Subscription Manager 1.30 s/n: SM-9166-0456-9229-132 http://www.amailsender.com
Audio CD Ripper 2.0 Name: Brainrain s/n: 02Y01-?A?FE-Y6170 http://www.solidlabs.com
audio conversion wizard 1.8 S/N: 0e20-7cb3-9cde-b5bd-25d0 (null)
Audio Converter Pro 1.0.b22 E-Mail: TEAM_ViRiLiTY s/n: 00XKP-1B1AE-1DX1B-4EZGW http://www.acoustica.com
Audio Edit Magic 7.6.537 s/n: AEM5942714 http://www.mp3editmagic.com/download.htm
Audio Edit Magic 8.1 S/N: S/N: AEM59487560 http://www.mp3editmagic.com/download.htm
Audio Editor Gold 2006 7.6.1 Name: Melizza [WRC] s/n: AEG5945735 http://www.audio-editor.net
Audio Notes Recorder 6.0.60051018 s/n: DC8C1-07CB0-BR94D http://www.xemico.com
Aurora Media Workshop 2.5.2 Name: TEAM ViRiLiTY s/n: 820B9BC5-659BE349-0B3DC430-01B3776F-6336FFDD-8D759201-89E7321C-F830EFFA http://www.mediatox.com/download/auroramedia.exe
Aurora Media Workshop 2.5.3 Name: TEAM ViRiLiTY s/n: 820B9BC5-659BE349-0B3DC430-01B3776F-6336FFDD-8D759201-89E7321C-F830EFFA http://www.mediatox.com/download/auroramedia.exe
Aurora Media Workshop 2.5.4 Name: BRD Cult s/n: 12939286-49CD8220-C20C9305-27D1F3BF-6B2401BD-D0D2D141-9422E0FF-D61DE2D7 http://www.mediatox.com/download/auroramedia.exe
Aurora Media Workshop 3.11 Name: http://www.bg-warez.org S/N: F2F6B561-82637ED8-75EC12B3-EC172A75-7D52E018-59AEDD86-35456C71-6E073669 (17/02/06) http://www.mediatox.com/download/auroramedia.exe
Aurora MPEG To DVD Burner 4.7.3 Name: TEAM ViRiLiTY s/n: E0F64F34-5E9D1204-DFE5CEF5-5DFA605A-39CFAB82-FE5C4CB7-C8EFDE8E-DC74491B http://www.mediatox.com
Aurora MPEG To DVD Burner 4.7.4 Name: BRD Cult s/n: 8CAEAFE3-528E3F4A-69513C18-81BDEE66-93CAA1AC-D4B5974B-F03AA432-DC581736 http://www.mediatox.com
Aurora Video VCD SVCD DVD Converter And Creator 4.2.1 Name: BRD Cult s/n: FB7A58CD-002BAFDC-4C56DF3E-E39F27AE-5EE0F935-B4DF19E4-0303B2F6-E9FB39C0 http://www.mediatox.com
Auto MP3 Player 1.26 s/n: F89HY194C0DA2 http://www.lifsoft.com
Auto Power on and Shut down 1.54 s/n: BRDDBA-001AB07FA12E8ISWTAAV61KND8GR8DN0L0D http://www.lifsoft.com
autodesk autocad 2006 Z.54.10 S/N: 191-75444444 (null)
AutoRun Assistant Pro 3.0.3 Name: TEAM ViRiLiTY s/n: 43N4U632333413-697A3 http://www.typhoonsoftware.com
AutoRun Design Specialty 1.0 Name: http://www.bg-warez.org S/N: 002A41M4T249D22439842ME Code: daab17dffc5f9d66d5f2b41f33ee4fd7 (21/02/06) http://www.alleysoft.com
AutoRun Design Specialty 1.0.0.1 S/N: Name : FULL VERSION Serial: 002----FULL VERSION---- Code : 788394751f20e7fbec0e5c9ef7b584f5 Name : REGISTRADO Serial: 002___DISFRUTA DE TU PROGRAMA___ Code : 6b4cc96a19b77cc24ed12d59f2f2d9b2 Name : MI PECERA Serial: 002___DISFR Disfruta de tu programa... http://www.alleysoft.com
Autotester ONE 3.11 S/N: wsa0100002 Automated testing for windows and web applications (null)
autotrax eda 3. Name: vlada S/N: GVDF-HIKM-SGHI-UVWV (null)
AV4 Customer Management System Professional 5.7.15 Name: TeamHS s/n: PR66-6D48-E254-6561 http://www.av4.com
AV4 Customer Management System Standard 5.7.15 Name: TeamHS s/n: SS65-C054-6561-6D48 http://www.av4.com
Avast Professional Client 4.6.731 s/n: C1765325R0021M1152-MFYWZMBF http://www.avast.com
Avast Professional French Client 4.6.731 s/n: C8037272R0021M1152-T9RXH6ZE http://www.avast.com
Avast Professional French Server 4.6.731 s/n: S3465268R0021M1152-6S9NE75C http://www.avast.com
Avast Professional French Workstation 4.6.731 s/n: W2864642R0021M1152-XWCWTXKC http://www.avast.com
Avast Professional German Client 4.6.731 s/n: C1429554R0021M1152-R639XWEY http://www.avast.com
Avast Professional German Server 4.6.731 s/n: S4137750R0021M1152-MBFL1H71 http://www.avast.com
Avast Professional German Workstation 4.6.731 s/n: W8646357R0021M1152-079YA7SK http://www.avast.com
Avast Professional Server 4.6.731 s/n: S3294827R0021M1152-KWT73BB6 http://www.avast.com
Avast Professional Workstation 4.6.731 s/n: W5744336R0021M1152-S6Y22369 http://www.avast.com
avast 4.6 _home S/N: W33302373H2900A1106-MVX25BDM done by senen the great for all serial just contact me (null)
AVG Anti Virus 7.1.375 S/N: 70-TTS0B-PKC01-SXSZC-QDW (null)
AVG antivirus 7.1 build 375 S/N: 70-THXMV1-PJ-C21-SACQY-3WN-KKS8 http://www.grisoft.com
AVG Anti-Virus 7.1.362 s/n: 70-THXMV1-P8-C21-S7DHB-E2K-IHWG http://www.grisoft.com
AVI DivX MPEG to DVD Converter and Burner Pro 1.7.0 Name: TEAM ViRiLiTY s/n: dN5Xg3xk4celaJ6TsCvQnkR4pK81ltwrAHrDSWOPeksATuQQt1quh6g http://www.anytodvd.com
AVI DivX to DVD SVCD VCD Converter 1.3.2 Name: TEAM ViRiLiTY s/n: F5C0D6C1-7C765643-101FCA14-688CB6AE-77A4AA35-83F63F84-C7654A0C-47EF3C64 http://www.aone-soft.com
AVI DivX to DVD SVCD VCD Converter 1.3.4 Name: BRD Cult s/n: F135835B-3FE61DD1-C324BAC3-FB3F7E2D-E723D563-D3C79E58-ED6DA949-F4095E12 http://www.aone-soft.com
AVI MPEG Converter 1.3.6 Name: TEAM ViRiLiTY s/n: 7EEDDFF8-BF10F82F-B9BB798C-21FF0F65-15FD80C1-75D9FCE9-85D72CD3-9C3CC844 http://www.alloksoft.com
AVI MPEG WMV RM to MP3 Converter 1.4.0 Name: TEAM ViRiLiTY s/n: 9496042E-2D624DD6-3F891F4D-2A85531E-33E5D451-D01B6089-B9888CAF-5E31C588 http://www.alloksoft.com
AVI to DVD SVCD VCD Converter 1.5.2 Name: TEAM ViRiLiTY s/n: 8B81429C-2961AB2C-6593C915-32B4F65C-C706C960-72750AD2-23AAABB4-BC1105A7 http://www.alloksoft.com
Awlmedia Audio Editor Plus 2.7 Name: BRD Cult s/n: 7A6B746D0139CEC39919C7D7F3A8FB7C27B09F22008C3F674A http://www.awlmedia.com
ACDSee 5.0 : 581-076-451-038-881-441
ACDSee 5.0 PowerPack : 382-936-064-050-881-441
ACDSee 5.0 Standar : 664-828-790-472-030-541
ACDSee 6.0 PowerPack : 147-755-260-960-487-541
ACDSEE V.7.0.43 POWER : 4WBDGK-KVP87-F23BT8-JWRN8P8
ACDSEE 9.0 BUILD 5.5 DYWDLK-PS6C7-W39CLK-GL9TL23
Adobe Illustrator 10 : 1034-1003-4400-0000-1115-2040
Adobe Pagemaker 6.52 : 03W652R3818820-549
Autocad 2000 :Serial : 112-11111111.CD Key : 5X8NUG.
Autocad 2002 :Serial : 400-12345678. CD Key : T4ED6P.
Ahead Nero Burning ROM Ultra Edition 6.3.1.15 S/N: 1A23-0009-4030-2449-6503-1092
Ahead Nero Burning ROM Enterprise Edition 6.3.1.15 S/N: 1A21-0009-3030-1246-9230-1607
ACDSee 3.1 RETAIL 132728175249781441
ACDSee32 v3.0 947593393778981441
ACDSee v4.0 654-237-149-322-681-441
Acdsee4 148 817 607 012 681 441
Acdsee4 711-108-595-288-491-441
Acrobat Distiller WAW210P7121183-537

B
Borland C++ Builder v.4.0 for Windows : Number : 3448. A Key : 86x8-19x0.

C
COREL Print House 6 = PH06WRD-0020403-WQ
COREL R.A.V.E 2 = RA02WRD- 0001311-CHE
CAKEWALK MEDIAWORK= CWMW1.00-009968
CORELDRAW 10 = D10NR-32542-53T76
CORELDRRAW 11= DR11CRD-0012082-DGW
CORELDRAW 12 = DR12WEX-1504397-KTY
CYBERLINK DVDSUITE PRO V.5 = MS595725518122J4
COREL PRINT HOUSE 6 = PH06WRD-0020403-WQF
DELPHI 5 = 111-111-1111 CODE= FEX1-91X0
DELPHI 6 = Z9J8-PUM4N-C6GZQ CDKEY= RW2-7JW
DELPHI 7 = GAKD-PD29Q9-RDF?JQ-X65Z
CD KEY = QY8.EEC

F
FRUITY LOOPS 4 = PC752-VNVK5-28DKNSYP9V
Flash Cam : C06-122-000
FLASH 5 = FLW500-03143-77238-80660FLASH 6 = FLW600-11335-72240-33333
FLASH MX = FLW600-53733-75540-61552
FLASH MX 6.0 RETAIL = FLW600-56032-66640-21856
Firetrust Mailwasher Pro 5.3 S/N: MTI4Oj9Sw9ZJQ2nY0BppZ4XYnfq6lI+APqSvqvj+AC1H0HEY5CJJZm7ESlpMsEXM0If2SyqCFsWR4W8w2rK0nrBgIWVAXAPo1xmV+BjF1VdZYnfrklm6h788lvJLHqkVW2ilEFdEQA9xeD9ovQAR0SXyZxoFFcpnZMF9m8oJc7mOlURVOzk6c3RydWN0dmVyOzE6MTs2Om8tc2FsdDs4OjI4ZDU1YWRkOzQ6bmFtZTsxNTpQYXVsIEVzY2hiYWN
Firetrust Mailwasher 5.3 S/N: MTI4Oj9Sw9ZJQ2nY0BppZ4XYnfq6lI+APqSvqvj+AC1H0HEY5CJJZm7ESlpMsEXM0If2SyqCFsWR4W8w2rK0nrBgIWVAXAPo1xmV+BjF1VdZYnfrklm6h788lvJLHqkVW2ilEFdEQA9xeD9ovQAR0SXyZxoFFcpnZMF9m8oJc7mOlURVOzk6c3RydWN0dmVyOzE6MTs2Om8tc2FsdDs4OjI4ZDU1YWRkOzQ6bmFtZTsxNTpQYXVsIEVzY2hiYWN
G
Gallery Maker PRO v1.3 - Name - Finn Mac CooL - Serial - 00000 - Code - GMP-20E4C9B3
GalleyMaster MM for Adobe PageMaker - Serial - 50336-150-77196444
GalleyMaster XD for Adobe PageMaker - Serial - 70336-150-97196444
Game Executor v2.0.1 - Name - Phrozen Crew - Serial - M10j-9O68-er8Y-6ab4-1RGY
Game Fanatic Cheats v5.0e - Serial - WELOVE-PHROZEN-CREW!X3Sg,B;Y m
Games Power Pro v4.04 - Name - (Your name here) - Serial - 000-000-000
GameSpy v2.0x - Name - (Your name here) - E-mail - (Your e-mail here) - Serial - gH4c-cCTE-Dr3E-4C2S
Gather talk v1.56 - Serial - 0123Y7JU7HS7 or 98761GU7JVCL
Gear v4.2 - Serial - G10766E69
Gear v4.5 - Serial - G10766E69
GeoBoy v1.46 - Serial - GB10-01-12345678-zbmlsnqawn or GB14-PC-00002956-xxfpklicod or GB13-01-14031998-pdoxsiznta
Getright v3.2 - Serial - 223469110045 or 887648531421 or 888828581470 or 935640069393 or 769000729539
GetRight v3.21 - Serial - 268554735020 or 375731608953
GetRight v3.31 - Serial - 282640549016 or 421463186877
GIF Construction Set v1.0 - Name - Finn Mac CooL - Serial - DTDAB
GIF Construction Set v1.0 - Name - Unlimited Use - Serial - YVLBB
Gif Construction Set Pro 2.0a b2 - Name - Finn Mac CooL - Serial - XXXXX-18-XXXXX-30 (X is any number)
GIF Movie Gear v2.51 - Name - Finn Mac CooL - Serial - mvg2s00000213
GIF Movie Gear v2.61 - Name - FMC - Serial - mvg29992215 (Single)
GIF Movie Gear v2.61 - Name - FMC - Serial - mvg2s9992215 (Site)
GIF Movie Gear v2.61 - Name - Finn Mac CooL - Serial - mvg2hbh213 (Single)
GIF Movie Gear v2.61 - Name - Finn Mac CooL - Serial - mvg2shbh213 (Site)
GIF Movie Gear v2.61 (HotDog SuperTool Addon) - Identifier - ID-SHAN-JESS-CRAX-1998 - Registration Key - RK-C97H-USY8-5212
GIF Movie Gear v2.62 - Name - Finn Mac CooL - Serial - mvg2hbh213 (Single)
GIF Movie Gear v2.62 - Name - Finn Mac CooL - Serial - mvg2shbh213 (Site)
GIF Movie Gear v2.62 - Name - Finn Mac CooL - Serial - F46HKF-3T2LA4-WQLK2Q-HPYTLL
GimmIP v2.1 - Name - Finn Mac CooL - Serial - 78F131FD1A192E40EC3DCB70
GimmIP v3.1 - Name - Finn Mac CooL - Serial - CC55F433F94FF7230031445EA58CA
Global Mines v1.1 - Name - Finn Mac CooL - Serial - 334441
Gold Digger v1.1 - Serial - SJN3P4T
GoldMine v4.00.822 Standard - Serial - D-0001-10313543-7G0LEH
GoldMine v4.00.822 Enterprise - Serial - E-0001-10313543-Q9V2ZP
Goldwave v3.24 - First name - Finn - Last name - CooL - Serial - NBDGKYA
Goldwave v4.0 - First name - Finn - Last name - CooL - Serial - NBDGKYA
Goldwave v4.02 - Name - Finn Mac CooL - Company - #CRACKS - Serial - HIQBCJC
Goldwave v4.02 - Serial - XWULMHB
Gomer Html Editor v2.53 - Name - davy - blizzard - G058043576917519145-10
GoScreen v2.0 - Serial - 12301234-4176-9981446849007065
GProxy v1.25 - Name - Finn Mac CooL - Serial - 5041ASWXSMHEWEVUK
Graphic Converter 2.2.2 (mac) - Name - ANONYMOUS - Serial - G13375221
Graphic Equalizer Pro v1.1 - Name - Finn Mac CooL - Serial - 10936
Graphic Work Shop v2.0a - Name - Finn Mac CooL - Serial - 2360-18-882-1
Graphic Work Shop v2.0a - Name - Versus - Serial - 21093-08-20313-08HD
Graphic Workshop v7.0f (DOS) - Name - Finn Mac CooL - Serial - 18586
Graphics Equalizer Pro v1.0 - Name - Finn Mac CooL - Serial - 10936
GrooveMaker v1.0 - Serial - 11111-26P77201-56967
Group Mail v2.3 - Name - mISTER fANATIC [C4A] - Serial - GM-1361042865-S3F
Guardian Angel v1.0 - Serial - GA100ENCD-202559 or GA100ENCD-104568
GriSoft AVG Antivirus 7.5
S/N : 70-TVTMH4-Page Ranking-C21-S3BXN-C9B-9JVF
GriSoft AVG Anti-Spyware 7.5 7.5
Name: KeyMaster
S/N : 70EW-TH17Q1-PM-C01-S1W2QD-MEM-NUY

H
HardCopy v1.4 - Name - Finn Mac CooL - Serial - XlZLLVRMV0
Hattrick Manager v0.34 - Name - Finn Mac CooL - Serial - 772223
Heart Smart v5.04 - Name - daze pC - Serial - 1956
Heart Smart v5.04 - Name - Registered Version - Serial - 5617
HEdit 32 v1.2 for NT - Name - Finn Mac CooL - Serial -3264
Helllp! - Name - Finn Mac CooL - Serial - 47609277
Hex-WorkShop v2.54 - Serial - SYTGAGIS or C4815UCF or 60666UCF or A9123ICE or MK121212 or SY-MDS95 or SYICEMAN or SY-lgb97 or SYREVOLT or SY000000 or 9Q-2EASY
Hex Color Professional v1.0 - Serial - 0075-9590-3519-5652-0583-4163
HexWeb Typograph v2.0 - Name - Nop [Phrozen Crew] - Serial - BA3C6AF20E1F3A63
HighLighter v1.18 - Serial - HT10-0000928
HiJaak Pro v4.5 - Serial - 32750D73
Hippie 98 v3.0 - Name - SIG - Serial - 000000NXQ6X3X0B
Hippie 98 v3.0 - Serial - #CRACKS - Code - CRACKS93FFNA207
Hippie 98 v3.0 - Serial - 12341234 - Code - 12312333A22F808
Hippie 98 v3.1 - Name - pCsK8R - Company - German Warez Alliance - ID - GWA - Code - GWA RULEZ
HMView v2.21 - Name - Finn Mac CooL - Company - Fee Free Warez - Serial - DDCNDEIDUPKE
HMView v2.31 - Name - Finn Mac CooL - Company - Fee Free Warez - Serial - DDCNDEIDUPKE
HMView v2.31 - Name - Finn Mac CooL - Company - #CRACKS - Serial - ECBQEDAGCWNH
Hockey Statistics Manager v1.47 - Serial - 802-199-911 (League License)
Hockey Statistics Manager v1.47 - Serial - 802-199-912 (Team License)
Holiday Lights v4.0.1 - Name - Phrozen Crew 98 - Serial - 977935219642
HomeSite v3.01 - Serial - HS30E-7827236639 or HS30E-RB2723PC98 or HS30E-7127230213
Homesite v4.0 - Serial - HS40E-727612
HoneyQ v1.2 - Serial - 23771-32447159
HoneyQ v1.21 - Serial - 23771-32447159
Horas v3.1 - Serial - 16193007-03040100
Hot Backgrounds v2.0 - Serial - 23077 or 24521 or 25495 or 29134 or 27796 or 43927 or 56144 or 46702 or 17455 or 51768 or 22576 or 48370 or 34453 or 13673 or 60376 or 19793 or 46829
Hot Buttons v2.0.0 - Serial 17455
Hot Chilli v2.5 - Name - Crystal - Serial - 1765-7654-8765
HotDog Express v1.52 - Identifier - ID-KAGF-F43G-2T66-UV78 - Registration Key - RK-7CC7-LH24-9E3W
HotDog Express v1.52 - Identifier - ID-SHAN-JESS-CRAX-1998 - Registration Key - RK-NFBY-L6G6-1002
HotDog Professional v5.1 Webmaster Suite - Identifier - ID-EFIX-A111-B222-C333 - Key - RK-DQXZ-967G-8857 (be sure to register offline)
HotDog Professional v5.1 Webmaster Suite - Identifier - ID-KAGF-F43G-2T66-UV78 - Key - RK-PCU7-23BK-TTHE (be sure to register offline)
HotDog Professional v5.1 Webmaster Suite - Identifier - ID-SHAN-JESS-CRAX-1998 - Key - RK-ZKEP-623Q-3680 (be sure to register offline)
Hotline Client v1.2 - Name - [k]rack Works - Serial - XKSVPSCATQOSMD
Hotline Client v1.2 - Name - Finn Mac CooL - Serial - BNLDHKGZUPMNKD
Hotline Client v1.2 - Name - HackUser - Serial - SHOUALIPZXMIYB
Hotline Netscrawl v1.04 - Name - Finn Mac CooL - Serial - TOLWUBJGYHKMMD
Hotline Server v1.2 - Name - [k]rack Works - Serial - FIWRMMKEDFHDOD
Hotline Server v1.2 - Name - Finn Mac CooL - Serial - YKXIYBBDFEFYLD
HoTMetaL Pro v5.0 - Serial - SQHC0 03A4C 877C5
Hotspot v1.0 - Name - Finn Mac CooL - Serial - s400,913,*113
HTML (Un)Compress v4.2 - Name - Hambo/CORE - Serial - sye05ZHw
HTML Publisher Pro - Serial - M 143900
HTML Publisher Pro v2.10 - Serial - PUB 714430
HTMLed PRO v2.5 - Serial - P-3120-0002-1109 or P-2330-8154-4067
Hurricane 98 - Serial - 07-K08355 or 07-K08721
HYCD Publisher v4.8.1215 - Serial - RSUZVCDAAZB
HYCD Publisher v4.9 - Serial -
HyperCam v1.34 - Name - Bruiser - Key - JNAQ-MCOJ-HIAK-CUXC-DWCP-PAGD - Single User 1 copy
HyperSnap-DX v3.21 - Name - Finn Mac CooL - Serial - BZQT-FGPE-LMXZ-XXXJ-BLGO-FQNN (Site)
HyperSnap-DX v3.21 - Name - Finn Mac CooL - Serial - FTUB-FMOT-FQAL-JJJB-RNQM-XUHJ (World Wide)
HyperSnap-DX v3.21 - Name - Zarkman [PC 98] - Serial - WUJL-ZPVE-KFRA-CRHZ-MLNB-DADI (World Wide)
HyperSnap-DX v3.24 - Name - Finn Mac CooL - Serial - FTUB-FMOT-FQAL-JJJB-RNQM-XUHJ (World Wide)
HyperSnap-DX v3.30 - Name - Finn Mac CooL - Serial - QKFP-WLDP-BOFV-WMON-FGJV-PNXF (World Wide)
HyperSnap-DX v3.30 - Name - Finn Mac CooL - Serial - UNHU-SVBH-RKBD-ANRS-HQWK-BOCV (Site)
HyperSnap-DX v3.30 - Name - Registered User - Serial - RQGZAYCTBIGMSYRWXVDIXOQN (Single)
HyperSnap-DX v3.30 - Name - SWP '98 - Serial - ONKD-SCKN-ZOHA-RZWJ-FFEY-ETJR (World Wide)
HyperSnap-DX v3.30 - Name - SWP '98 - Serial - UNHU-SVBT-RHXT-PIKX-RDQP-JMKF (Site)
HyperText X/Press HTML Editor and X-Site project manager (PowerWeb) v1.2b - Name - Finn Mac CooL - Serial - PWR-2223669248-00 (you must register both for this to work)
HyperVoxel v2.0 - ID - 1638 - Serial - Z124-P097-G586-A488
HWiNFO v4.44 - Name - Martin Malik - Serial – Hardware-5E39E4FF723B5B4360269F0000390B
HOY QUR’AN 7,1 = N1A6-N0A9
Hollywood FX Pro : HF559-PRO-807189-75Q
Hacker's View v5.91 - or
Hacker's View v6.01 -
HalfLife - Serial - 2437-63943-5344 (Multi Player)
HalfLife - Serial - 8948-56098-9643 (Single Player)
Halloween Slots - Serial - 606162
Hangman Delux v1.0 - Name - DaVinci & Spider] - Serial - 1.36388516841101E+60
HangMan v2.028 - Serial - 194-WKASR-0948
Hard Disk Sleeper v1.5 - Name - Finn Mac CooL - Serial - uupprmss
Hard Drive Mechanic v3.0 - Serial - 65B10705
HardCopy v1.22 - Name - #CRACKS - Serial - YerHBQuRvn
HardCopy v1.22 - Name - Finn Mac CooL - Serial - XlZLLVRMVv
HardCopy v1.22 - Name - LawAbidingCriminalZ - Serial - XvClSpPsKZ
HardCopy v1.4 - Name - #CRACKS - Serial - YerHBQuR0n

M
Microsoft Visual Studio 2005 Professional S/N: KGR3T-F2C26-RRTGT-D6DQT-QBBB3
Microsoft Visual Studio 2005 Professional S/N: KGR3T-F2C26-RRTGT-D6DQT-QBBB3
Microsoft Visual Studio 2005 Professional S/N: KGR3T-F2C26-RRTGT-D6DQT-QBBB3
MICROSOFT windows vista ultimate S/N: YFKBB-PQJJV-G996G-VWGXY-2V3X8
Macromedia director 8.5 = WDW850-02044-87235-26420
MACROMEDIA FREAND 11 = FHW110-02426-47231-55458
MACROMEDIA FIREWORKS 4 = FWW400-02666-67248-0254
MACROMEDIA COLDFUSION MX = CPD600-08480-B7213-22568
Macromedia DreamWeaver 4 : DWW400-03771-57289-73501
MACROMEDIA DREAMWEAVER MX = DWW600-54622-26755-01760
MACROMEDIA FLASH MX = FLW600-09531-57240-83750
MDAEMON SERVER = GDPFFMF-QAWLYFJ-XQDIYAO
MS. OFFICE 97 = 4156-0212207
MS. OFFICE FRONT PAGE = WFDWY-XQXJF-RHRYG-BG7RQ-BBDHM
MS. VISIO PROF 2002 = F8BFX-2B8M6-X373J-TBQ8M-K3C76
MS. VISUAL FOX FRO 8.0 = TCJC7-H2QDH-3T7G7-R6RTM-YRK3Y

N
Nero Burning Rom v.5044 : 1500-0001-0053-0316-2508-6123
Nero Burning Rom v.5.5.5.1 for WinXP : 1503-0947-6845-2627-4181-1200.
NERO 6 = 1A23-0006-7130-1204-8976-4901
NERO 6.3 = 1A25-0006-7130-1352-4239-7903
NERO 6.6 = 1A25-0006-7130-1827-2429-2198
NERO 7.7.5.1 PREMIUM ED = 1C80-0014-19E5-MA2X-400C-4X27-4A50

O
OFFICE 2000 = GC6J3-GTQ62-FP876-94FBR-D3DX8 KEY = 1111-1111
OFFICE 2003 = GWH28-DGCMP-P6RC4-6J4MT-3HFDY
OFFICE XP FULL = FM9FY-TMF7Q-KCKCT-V9T29-TBBBG
OFFICE ENTERPRISE 2007 = KGFVY-7733B-8WCK9-KTG64-BC7D8
OMNIPAGE 15 = E709X-KD1-NHXD-QQDF-F8
ORCAD = SCO 021061

P
PINACLE INSTAN-VIDEO ALBUM = 7777777777
PINACLE STUDIO V.8.3 = 1555856630
PHOTOSOP 6 = PWWW600R7105467-948
PHOTOSOP 7 = 1045-0203-3247-2217-3566-6177
PHOTOSOP 8/CS = ANGKA 1 SEMUA
PHOTO IMPACT 7 = 11103-07000-00001531
Power DVD 5.0 : MV588995988G228
POWER QUEST PARTITON MAGIC V.7.O = PM700ENEU-110965
PARTITION MAGIC 8.01 = M800EN1-11111111/PM800FR1-3193805303
Partisi magic 8.0 PM800FR1-3193805303
pccillin2003 OSJ6-6571-1627- 0804-3372
PowerDVD XP 4.0 MV55F17758841285
Power DVD 2.55 DV3X417M28947802
Power player CW77842788819906
PowerDVD 2.55 DV3X417M28947802
PowerDVD5 AK03943182245420
Pmgold PMW10-01YF5- 4623NW
PowerQuest Lost&Found 1.06 2453-8301-1129- 1614
Partisi magic 8.0 PM800FR1-3193805303
pccillin2003 OSJ6-6571-1627-0804-3372
PowerDVD XP 4.0 MV55F17758841285
Power DVD 2.55 DV3X417M28947802
Power player CW77842788819906
PowerDVD 2.55 DV3X417M28947802
PowerDVD5 AK03943182245420
Pmgold PMW10-01YF5-4623NW
PowerQuest Lost&Found 1.06 2453-8301-1129-1614

S
Swif3d 2.0 : T3DW200-65700-95005-88056
Sonic Foundry Video Capture 2.0b : 9H-RBXSQT-YE7GEX-NQW5GX

T
TRANSTOOL 5 = 100706-27816-08499520-03
TWEAK XP V.20 PRO = E090402963592
Teleport Pro v.1.29.1107 : 787318958

U
ULEAD COOL 3D STUDIO = 274A5-11085-78578888
ULEAD MEDIA STUDIO PRO 7.0 = 011A2-27042-0190DCN14
ULEAD MOVIE FACORY 2.0 = 111A2-62000-00300082
ULEAD PHOTO IMPACT XL = 111A3-08500-00002098
ULEAD VIDEO STUDIO 7 = RORA2-870RO-ROROROR1
UNIVERSAL TRANSLATOR = EWB3APACDVBGYT2ENZJX
ULEAD PHOTO IMPACT = 11103-07000-00001531S

V
VCD CUTER V.4.03 RETAIL= 017697-023393
VISUAL BASIC 5.0 = 425-1689004
VISUAL BASIC 6 PROF ED.= 422-1111111
VISIO 2003 = WFDWY-XQXJF-RHRYG-BG7RQ-BBHDM
VISUAL STUDIO ENTERPRISE ED = 807-1426627
VIDEO STUDIO 8 = 111A2-88000-00230680
VIDIO WAVE POWER ED = 75-0R0BN-X89HZ-21DCN

W
Win XP Media Center 2005:C4BH3-P4J7W-9MT6X-PGKC8-J4JTM
Win XP Prof Corp: XP8BF-F8HPF-PY6BX-K24PJ-TWT6M
Win XP Prof OEM: XJM6Q-BQ8HW-T6DFB-Y934T-YD4YT
Win XP Prof Retail: CD87T-HFP4C-V7X7H-8VY68-W7D7M
Win XP Prof Upgrade: CD87T-HFP4C-V7X7H-8VY68-W7D7M Run WPA_Kill.exe (in TOOLS\CRACK) to disable activation in non-corporate installs. CD NR 17 815
Windows 2000 Powered Network Attached Storage ( NAS ) SN:: RBDC9-VTRC8-D7972-J97JY-PRVMG CD NR 17 515 Microsoft Windows XP Professional Reduced Media Edition CD NR 17 516
Windows XP Corporate SP2 BONUS CUSTOM REAL CD NR 17 408
Microsoft Windows XP Pro Upgrade w/ Service Pack 2 Integrated SN:CD87T-HFP4C-V7X7H-8VY68-W7D7M CD NR 17 256
Microsoft Windows XP Media Center Edition 2005 [2 CDs] CD NR 16 643 SN: C4BH3-P4J7W-9MT6X-PGKC8-J4JTM
Windows XP Tablet PC Edition 2005 (c) Microsoft [2 CDs] sn: BGBHP-VGPP7-QHTXB-TPV36-CK8T8 16 544
Microsoft Windows XP Professional SP2 Integrated POLiSH 16 401 SN: MYV37-2YMH7-YBHVW-VXJHM-489TB
Microsoft Windows XP Corporate Ed. with incl. SP2 SN:FC8GV-8Y7G7-XKD7P-Y47XF-P829W CGJ2M-CFTXY-W4RBJ-BWTGB-VH2CB 16 171
Microsoft Windows XP Professional SP2 Integrated READ NFO SN:CD87T-HFP4C-V7H7H-8VY68-W7D7M RH6M6-7PPK4-YR86H-YFFFX-PW8M8 16 172
Windows XP Pro SP2 Intergrated TYPE Repack SN:BRP6M-RC9CJ-VWDRK-KP2C2-9QFGW 16 166
Windows XP Service Pack 2 RTM FINAL 16 115
Windows XP Home OEM: JQ4T4-8VM63-6WFBK-KTT29-V8966
Windows XP Home Retail: RH6M6-7PPK4-YR86H-YFFFX-PW8M8
Windows XP Home Upgrade: RH6M6-7PPK4-YR86H-YFFFX-PW8M8
Windows XP Media Center 2005: C4BH3-P4J7W-9MT6X-PGKC8-J4JTM
Windows XP Prof Corp: XP8BF-F8HPF-PY6BX-K24PJ-TWT6M
Windows XP Prof OEM: XJM6Q-BQ8HW-T6DFB-Y934T-YD4YT
Windows XP Prof Retail: CD87T-HFP4C-V7X7H-8VY68-W7D7M
Windows XP Prof Upgrade: CD87T-HFP4C-V7X7H-8VY68-W7D7M
Windows XP Tablet PC 2005: VJT7M-8KKHT-GXQ6B-RX639-94FMD DVD-260
Microsoft XP Corpor. Edition Service Pack 1 Intergrated PROPER Key: 7QVT6-T2738-WRKJB-YKRFQ-XVK98 9774 Microsoft Windows XP Service Pack 1 Final Key:VHGJJ-6WK8X-JT2DH-BK6JV-PVFQ4 9775
Microsoft Windows XP Slipstream Sp1 Corporate SN:3KFB7 X2Q3M 6MWFX W2Y7V C7M9D 9758
Microsoft Windows XP Corporate Ed. with incl. SP1 (c) Microsoft SN:3KFB7 X2Q3M 6MWFX W2Y7V C7M9D 9752
Windows XP Professional Retail
Serial# HJ32Y-3B3Y3-3X2HD-DJ43J-Q7D7G 9502
Windows XP SP1 (c) 2002 Microsoft SN:K2KB2-BDBGV-KP686-D8T7X-HDMQ8 9080
Windows.XP.Professional.64.Bit.Edition serial number: C4FPJ-HQCGP-QD3XC-2JF34-FT8Y6 8104
Microsoft Windows XP Corporate Edition CDKEY: FCKGW-RHQQ2-YXRKT-8TG6W-2B7Q8 7832
Windows XP Greece SN: MHBCT-6WVKJ-WD3Q3-9D9VJ-C9JJ6 7800
Windows XP Corporate Edition *PROPER PACK* FCKGW-RHQQ2-YXRKT-8TG6W-2B7Q8 6580 Microsoft Windows XP Professional
No Activation Required FCKGW-RHQQ2-YXRKT-8TG6W-2B7Q8 6572
WORLD PERFECT OFFICE = WS12WCX-0203227-XWJ
WinBoost 2001 Gold Edition : 5T5K4-D483-VZ7A-AC4T.
WinBoost 2002 Gold : 5T5K4-D483-VZ7A-AC4T.
WINDOWS 95 = 15695-OEM-0001346-00885
WINDOWS 98 JAPAN = C4GVG-CHRD3-9D12C-BBXHR-3CB76
WINDOWS 98 SECOND RELOADED EDIION SP1.5 =
K4HVD-Q9TJ9-6CRX9-C9G68-RQ2D3
WINDOWS 98 & SE = HQ6K2-QPC42-3HWDM-BF4KJ-W4XWJ
WINDOWS ASIA ED = FCKGW-RHQQ2-YXRXT-8TG6W-2B7Q8
WINDOWS ME = B6BYC-6T7C3-4PXRW-2XKWB-GYV33
WINDOWS 2000 = F6PGG-4YYDJ-3FF3T-R328P-3BXTG
WINDOWS 2000 PROF = RM2333-2PRQQ-FR4RH-JP89H-46QYB
WNDOWS SERVER 2003 = JB88F-WT203-DPXTT-Y8GHG-7YYQY
WNDOWS SERVER 2003 ENT = CW32K-48T2T-3D2PJ-DXBWY-C6WRJ
WINDOWS SEVER 3 IN 1 = JB88F-WT2Q3-DPXTT-Y8GHG-7YYQY
WINDOWS LONGHORN = CKY24-Q8QRH-X3KMR-C6BCY-T847Y
WINDOWS XP HE = GYG6B-HK868-CYF3H-YHQPX-TGCW6
WINDOWS XP SP1A = XP8BF-F8HPF-PY6BX-K24PJ-TWT6M
WINDOWS XP HOME ED = FGJXW-KRTJP-DM2RH-9GQ7T-KYQG8
WINDOWS XP HOME ED OEM 2007 = JQ4T4-8VM63-6WFBK-KTT29-V8966
WINDOWS XP SP1+RUI = XP8BF-F8HPF-PY6BX-K24PJ-TWT6M
WINDOWS XP PROF SP2 = CRTGH-B68P2-XB6JC-44GCD-X9JHM
WINDOWS XP FULLRELEASE = FCKGW-RHQQ2-YXRKT-8TG6W-2B7Q8
WINDOWS XP CORPORATE PLUS = 7QVT6-T2738-WRKJB-YKRFQ-XVK98
WINDOWS XP MEDIA CENTER = XJM6Q-BQ8HW-T6DFB-Y934T-YD4YT
WINDOWS XP MEDIA CENTER 2005 SP2 = C4BH3-P4J7W-9MT6X- PGKC8-J4JTM
WINDOWS XP PRO-SP2 2004 = CRTGH-B68P2-XB6JC-44GCD-X9JHM
WINDOWS XP SP2 GOLD ED = MYHVT-WQ49M-QRPVF-V86FC-P3R8Y
WINDOWS XP PROF SP1A INDONESIA =
62KYQ-3JWQH-WDJBG-D374R-Q8FCW
XPCK2-HY3VB-74KK4-JG6V4-JMDVM
WINDOWS XP ARABIC 2004 = 3FC6J-PVRYV-38KFF-B2K46
-CDHH6
WINDOWS XPMEDIA CENTER 2005 =
KCQ9Q-FTBM4-6HTWV-M7DKM-T4BF5
WINDOWS XP HOME ED 2006 =
RH6M6-7PPK4-YR86H-YFFFX-PW8M8
WINDOWS XP PROF CORP SP2 FEB-SEP2006 =
XP8BF-F8HPF-PY6BX-K24PJ-TWT6M
Windows XP Full - FCKGW-RHQQ2-YXRKT-8TG6W-2B7Q8

X
Xilisoft Xilisoft 3gp video converter 3.1 S/N: S/N: Name: Free Verion
S/N: 11122233344451112223972F-7B4D-6915-3C02

Z
Zonelabs ZoneAlarm With Anti-Virus 5.0 S/N: i6hmw-dwptq-x9wcc-m8xds0-xnsuq0
Zonelabs ZoneAlarm Security Suite 5 5.0 S/N: cst3q-rvdbw-w5abr-9fx2tx-hkurc0
Zonelabs Zonelabs Integrity 5 S/N: d85vx4n162tmtk036dtaa14dd80
Zonelabs Zonealarm Pro 6.5.737.000 S/N: 2djh2-7vc8m-psfpj-ab3ds5-ekr340
Zonelabs Zonelabs Integrity 5 S/N: d85vx4n162tmtk036dtaa14dd80
Zonelabs Zonealarm Pro 6.5.737.000 S/N: 2djh2-7vc8m-psfpj-ab3ds5-ekr340
ZoneLabs Zonelabs IMSecure 1.0.2.0 S/N: dfk2k-6h7ns-6irja-mbknef-3tdkc0

Semoga bermanfaat

E-BOOK GRATIS

noreply@blogger.com (ANTON) — Mon, 02 Mar 2009 12:04:00 +0000

14 kesalahan fatal bisnis internet----------------------- ----download
24 ilmu para milyarder-------------------------------------download
31 jurus menyempurakan C---------------------------- ----download
38 tips sakti------------------------------------------- -----download
101 romantic ideas------------------------------------ -----download
adsense affiliate income------------------------------- -----download
adsense success story-------------------------------- ------download
adsense blogging 2007--------------------------------------download
akses internet gratis dengan internet kaleng----------------download
101 bahasa I love you---------------------------------------download
berburu dollar gatis dengan PTC----------------------------download
kumpulan fakta unik----------------------------------------download
minset sukses-----------------------------------------------download
panduan membuat rekening e-gold--------------------------download
rahasia sukses menghasilkan uang dengan google adsense--- download
running to riches--------------------------------------------download
satu decade perjalanan komunitas beta UFO-----------------download
spesial report 1 juta pertama --------------------------------download
trik seputar internet-----------------------------------------download
30 rahasia wanita--------------------------------------------download
belajar forex untuk pemula-----------------------------------download
bikin situs----------------------------------------------------download
bikin ebook---------------------------------------------------download
devinisi paypal, tutorial paypal-------------------------------download
ebook marketing online--------------------------------------download
free adsense book--------------------------------------------download
panduan bisnis genbucks-------------------------------------download
science dan mythologi----------------------------------------download
kiat sukses promosi blog-------------------------------------download
make money online------------------------------------------download
panduan membuat logo, chiklet, dan banner------------------download
tentang clixsense---------------------------------------------download
tips melamar-------------------------------------------------download
bagaimana mewujudkan apapun yang anda inginkan dalam hidup--download

Semoga bermanfaat..

PTC DAHSYAT!!

noreply@blogger.com (ANTON) — Sat, 07 Feb 2009 23:25:00 +0000

Untuk register silakan klik banner di bawah ini:

PTC di atas membayar $1-$5 untuk setiap klik iklan

Selamat mencoba

SENDEARNING

noreply@blogger.com (ANTON) — Wed, 04 Feb 2009 14:19:00 +0000

SendEarnings akan membayar Anda setiap bulan

SendEarnings akan membayar Anda:

1. $3 untuk join (mendaftar) sebagai member.

2. $5 untuk setiap teman yang kita referensikan untuk join di
SendEarnings.

3. 1-10 cents untuk setiap email yang kita baca.

4. Sampai dengan $1000 untuk online survey yang kita isi, dll.

Semua itu dapat kita peroleh secara gratis... !
Setelah Anda join dan mendapat user ID, Anda harus login dan klik
menu Edit User Profile. Maka $3 pertama Anda menjadi milik Anda
saat itu juga.

Seberapa banyak income yang kita dapatkan? Itu tak terbatas,
tergantung usaha kita. Mari kita ambil contoh dari point 2 di atas:
Bayangkan, jika kita mereferensikan 10 orang teman saja dalam
seminggu maka kita akan mendapatkan $5 x 10 = $50 seminggu. Sebulan
kita akan dapatkan $200 (hampir 2 juta rupiah sebulan). Lumayan
kan...?!

Makin banyak kita mereferensikan/mengajak teman untuk bergabung,
makin banyak pula yang akan kita dapatkan ! Belum lagi dari point-
point lainnya selain point 2 di atas....

Check akan dikirim setelah Anda mencapai minimum $40 untuk member
gratis, dan minimum $29.95 untuk Gold Membership (member yang
berbayar).

Daftarkan diri Anda sekarang GRATIS dan DAPATKAN $3...!
Referensikan teman-teman Anda dan dapatkan income tak terbatas...!

Klik DI SINI untuk mendaftar, atau klik banner di bawah ini:

TENTANG PTC

noreply@blogger.com (ANTON) — Fri, 09 Jan 2009 03:42:00 +0000

Mendapatkan Dollar Lewat Program PTC

Porgram PTC (singkatan dari Paid to Click) adalah suatu program di internet yang memberikan kesempatan kepada siapapun untuk mendapatkan uang dengan cara mengklik iklan yang ditayangkan oleh situs penyelenggara program PTC ini. Jadi, uang yang didapat oleh yang mengklik (anggota program PTC) sebenarnya berasal dari pemasang iklan yang mengharapkan situsnya dikunjungi atau diklik orang.

Nilai Dollar per Klik

Berapa nilai uang sekali klik? Biasanya satu kali klik iklan dihargai antara $0.0025 sampai dengan $0.03. Besarnya nilai imbalan klik ini biasanya juga berbanding lurus dengan lamanya iklan yang harus kita lihat sebelum iklannya kita tutup. Iklan yang berdurasi 10 detik tentu saja lebih murah daripada iklan yang berdurasi 30 detik. Rata-rata iklan yang berdurasi 30 detik bernilai $0.01. Kalau kita kurskan dengan Rp10.000 per $1, maka nilainya sekitar Rp100.

Potensi Penghasilan

Nah, setiap harinya penyelenggara program PTC ini akan menayangkan beberapa iklan. Jumlahnya bervariasi di antara berbagai program. Kisarannya antara 1 sampai dengan 20 iklan. Dari sini kita bisa membayangkan berapa penghasilan yang kita peroleh per harinya dari program ini. Katakanlah sehari kita mengklik 10 iklan dengan nilai $0.01, maka penghasilan kita sekitar $0.1 saja atau sekitar Rp1.000,-. Namun demikian, biasanya program-program PTC juga akan memberikan tambahan imbalan jika orang yang ikut program ini berdasarkan referensi kita mengklik iklan juga. Jadi misalnya ada lima orang
yang ikut program PTC lewat kita dan seharinya mengklik 10 iklan serta imbalan yang kita peroleh adalah sebesar $0.01 juga, maka tambahan penghasilan per hari yang kita terima adalah 5 x 10 x $0.01 atau $0.5. Jadi, semakin banyak referral, semakin banyak pula penghasilan kita.

Upaya lain yang bisa kita lakukan untuk menambah penghasilan adalah dengan mengikuti sebanyak mungkin program PTC. Namun hati-hati, kita harus selektif juga memilih program-program tersebut. Pilihlan program-program PTC yang sudah jelas, bukan program-program scam alias bohong-bohongan. Untuk itu kita perlu mencari informasi sedalam-dalamnya tentang masing-masing program PTC tersebut.

Upgrade Keanggotaan atau Beli Refferral

Kalau kita yakin, kita bisa mengeluarkan uang untuk mengupgrade keanggotaan kita menjadi premium di mana biasanya anggota premium ini memiliki kelebihan-kelebihan tertentu misalnya iklan yang tayang lebih banyak atau nilai klik yang lebih besar. Kita juga bisa membeli referral kepada penyelenggara program apabila kita sulit mencari referral sendiri. Dari mana datangnya referaal ini? Yaitu dari anggota yang mendaftar tanpa melalui referensi orang lain. Orang-orang yang tanpa referensi ini nantinya akan dijadikan referral seseorang yang berani membyar untuk itu. Jumlah yang kita bayar biasanya tergantung pada banyaknya referral yang akan kita peroleh.

Cara Pembayaran

Bagaimana cara pembayarannya? Nah, bagian ini yang agak sulit. Di internet (terutama untuk transasksi internasional) ada beberapa payment processor yang sering digunakan yaitu Paypal, eGold dan Alertpay. Biasanya program-program PTC membayarkannya melalui payment processor tersebut walaupun ada juga yang membayarkan lewat chek. Nah, tentu saja untuk mengikuti program-program PTC tersebut kita harus memilki rekening di situs payment processor tersebut. Yang paling mudah prosesnya adalah e-Gold dan Alertpay. Sementara Paypal biasanya mensyaratkan kartu kredit untuk meverifikasi akunnya.

Minimum Payment

Untuk mendapatkan pembayaran biasanya program PTC mensyaratkan adanya minimum payment atau minimum payout yaitu jumlah minimal apabila kita akan mencairkan komisi kita. Jumlahnya bervariasi di antara masing-masing program PTC tetapi rata-rata sekitar $10. Apabila bonus kita sudah mencapai minimum payment, maka kita bisa menguangkannya melalui payment processor seperti Paypal, Alertpay atau e-Gold.

Saya sendiri baru sekitar satu minggu ini mengikuti beberapa program PTC ini dan belum bisa bercerita banyak tentang perolehan dan pembayarannya. Untuk mendapatkan informasi tentang hal tersebut sebaiknya kunjungi blog orang-orang yang sudah membuktikannya dan sudah lama melakukan ini misalnya blognya mas Cosa.
Program-program yang saya ikuti sekarang ini adalah (referral link) :

KLIK IKLAN DIBAYAR BERPOTENSI JUTAAN RUPIAH

noreply@blogger.com (ANTON) — Fri, 09 Jan 2009 03:38:00 +0000

Telah lahir sebuah program PTC (Paid to Click) dari Indonesia, yang membayar membernya dengan mata uang Rupiah. Walaupun kita dibayar Rp.100 per iklan, tapi program ini berpotensi menghasilkan ratusan ribu, bahkan jutaan. Namanya Klikrupiah. Program ini membayar kita untuk mengklik iklan yang sudah disediakan per harinya. Untuk memulai, kliklah banner dibawah ini :

Setelah mengisi data yang diperlukan saat registrasi, anda bisa langsung login dan mengakses menu "klik iklan". Kita harus menunggu sampai timer dari iklan yang diklik habis. Iklan yang sudah diklik akan bisa diklik lagi setelah 24 jam.

Anda juga dapat mengajak teman anda untuk ikutan.
Anda akan mendapatkan Rp 100 untuk setiap website yang anda lihat dan
Rp 50 untuk setiap referral lihat website.
Pembayaran bisa kapan saja dan akan diproses lewat Bank
BCA dan Mandiri. Minimal pembayaran Rp50.000

Apakah Rp 100 per klik sangat sedikit? Inilah perhitungannya dari kemungkinan terkecil :
Anda klik 10 iklan per hari = Rp 1000
» 20 referrals klik 10 iklan per hari = Rp 10000
» Pendapatan harian anda = Rp 11000
» Pendapatan mingguan= Rp 77000
» Pendapatan bulanan= Rp 330.000
» Pendapatan pertahun= Rp 3.960.000

Sangat potensial bukan? Apalagi jika banyak orang yang kita ajak? Silahkan mulai mendulang rupiah mulai dari program ini. KLIK DISINI untuk mendaftar.

TENTANG BUX.TO

noreply@blogger.com (ANTON) — Tue, 06 Jan 2009 14:00:00 +0000

www.bux.to adalah program ptc yang terpercaya, karena banyak sekali program seperti ini yang bersifat penipuan / scam. Tapi tidak semua, sih . . . . . . . .

Cara nya sangat mudah , adapun beberapa cara yang harus anda ikuti adalah :

1. Klik disini untuk mendaftar

2. Setelah itu lakukan pendaftaran dengan klik registrasi

3. Kemudian lakukan pengisian form seperti di bawah ini :

4. Tapi Anda harus buat terlebih dahulu account di alertpay.com , dengan email yang sama.

5. Setelah itu tekan ”register”

Gampang bukan, tidak perlu sulit - sulit buat website, dan sama sekali tidak mengeluarkan modal sepeser pun.

Apa keuntungan yang akan anda dapatkan :

Contohnya :
� You click 10 ads per day = $0.10
� 20 referrals click 10 ads per day = $2.00
� Your daily earnings = $2.10
� Your weekly earnings = $14.70
� Your monthly earnings = $63.00
Nah, . . Sekarang kalikan aja sendiri $63 x Rp.9.200 = Rp. 580.000 / bulan

Bagaimana Cara Kerjanya :

Cukup masuk ke ”login” dan klik surf ads

Klik masing - masing iklan yang ada pada table di samping ini.

Setelah anda mengklik maka akan muncul waktu , jadi biarkan waktu berjalan, dan tunggu sampai muncul tanda centang

SIMPLE BUKAN

dAN bukan hanya bux.to yang perlu anda coba, untuk mendapatkan penghasilan lebih dari 1 juta perbulan sebaiknya anda mengikuti banyak program yang seperti ini, tapi harus tetap hati - hati.

Sukses untuk Anda!

TENTANG NEOBUX

noreply@blogger.com (ANTON) — Tue, 06 Jan 2009 13:29:00 +0000

Dalam dunia PTC ada banyak sekali PTC yang bertebaran di dunia maya. Para pemain PTC berlomba-lomba untuk mempromosikan PTC yang dianutnyauntuk mendapatkan referral sebanyak mungkin. Hal itu dilakukan agar penghasilan mereka semakin bertambah. Tetapi tatkala PTC yang mereka anut mulai kelihatan mencurigakan dan akhirnya collaps dan menjadi SCAM, mereka hanya bisa melongo menyesali apa yang mereka perbuat sia-sia sudah. Apalagi jika sebelumnya mereka sempat investasi di situs SCAM, bisa dikira-kira kerugian yang ditanggung :)

Sedikit tips untuk para clickers PTC pemula, saat memilih PTC, pastikan ada forum, berapa banyak bukti pembayaran, opini banyak orang tentang PTC itu. Jika kelihatannya mencurigakan, tinggalkan saja. Yang saya maksud dengan "PTC mencurigakan" adalah kejanggalan pada terms of service nya seperti hanya membayar premium member, balance kita akan terhapus jika tidak aktif selama beberapa hari, harus mengeposkan bukti pembayaran supaya dibayar lagi, dll. Untuk syarat yang lainnya saya rasa tidak masalah seperti harus mengklik minimal 200 iklan untuk request pembayaran. Lalu perhatikan juga reputasi dari PTC itu. Bisa lewat Google atau forum-forum yang membahas soal PTC.

Lalu bagaimana caranya mempromosikan PTC? Kita tidak harus memaksa seseorang untuk mengikuti program-program yang kita rekomendasikan, dengan kata lain tanpa adanya paksaan. Jika anda punya blog, cukup ditulis saja deskripsi tentang PTC yang kita ikuti. Singkat, padat, jelas, tapi jangan muluk-muluk, jangan terlalu "mendewakan" PTC yang anda ikuti. Nanti biar pengunjung kita yang tertarik dengan sendirinya yang akan bergabung. Selain di blog, boleh juga di forum atau diiklankan. Tapi yang tidak boleh adalah spam. Anda juga pasti akan merasa risih jika menerima pesan yang isinya promosi secara berulang-ulang, itu-itu saja. Jadi kita juga belajar untuk menghargai orang lain.

Nah ini saatnya penawaran. Diantara sekian banyak PTC yang ada, inilah yang menurut saya adalah PTC yang memiliki nama baik. Dia memproses pembayaran secara instant, punya script yang canggih, tampilannya juga bagus dan memiliki tingkat keamanan yang tinggi. Saya sangat menyarankan anda yang belum bergabung untuk bergabung bersama saya. Anda juga boleh bertanya apapun kepada saya mengenai bisnis di internet. Ayo, tunggu apa lagi? Coba PTC ini!!!