Tuesday, 29 March 2016

Earn $225 per month online in your spare time



There is only so much that I can save (I save 75% of my salary income), without an increase in income, I won’t get any richer.

With the current stagnation of salary increase, I must look elsewhere for side income. Otherwise inflation will catch up on me, and my stagnated salary will be just declining salary.

So I looked online, to look for ideas on how to make money.
There are plenty of suggestions out there on how to make money online. And I have tried almost all of them out.

But I have limitations - time and physical capabilities.
I already work 50 + hours per week. I am also a real estate investor who currently is actively in the market to find another investment property. I am also a share (stock) investor who always studies the market after hours.
I don’t have time to do a side business like bookkeeping, cleaning, babysitting or dog sitting. I don’t have regular hours that I can dedicate to earn side income.

So I must be looking for something that can be done in my spare time whenever and wherever that fits my schedule.

Data Entry was my first choice, however, it was so so hard to actually get one.
Airtasker and freelancer were the other choices. I signed up with keen excitement, I get zero (zero, null. blank) response.

So, the next choice is paid online survey that pay Australians.
I honestly made $450 these 2 months in my off time. It is that easy. Bear in mind, I work 50 hours per week (plus 1.5 hours commute each day). I am a Real Estate investor who is actively in the market looking for my 3rd Investment Property. I cook, prepare dinner and clean every day.

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I was sceptical at first. But wait!
Don’t be sceptical. It works. It really reaally works. R.E.A.L.L.Y.

As long as you treat it like what it is, a job. Hey, if you want money, you must earn it. (Money Principle number 1).
That means,
Do it diligently, regularly. And take it seriously.

I do it religiously. I do it in during commute to work and from work in the bus or in the train, during lunch break, while waiting for client and/or friends to turn up for appointments or lunch or dinner or break, while watching TV at night, in the bathroom, etc.

Do it diligently, regularly. And take it seriously. I do it religiously. I do it in during commute to work and from work in the bus or in the train, during lunch break, while waiting for client and/or friends to turn up for appointments or lunch or dinner or break, while watching TV at night, in the bathroom, etc.
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Most take less than 5 minutes, and it pays a little dollars. But accumulative e.g. 10 - 20 a day … you can get $10 - $20 a day that means $300 - 600 in one month.

I make $450 these 2 months in my off time. It is that easy.

Tips & tricks:
Sign up to as many as possible, so that u can open ur email let’s say at lunch (use wi fi, coz they might as u to view videos) with a bunch of online surveys that u can do at 1 sitting. These are all work for ozzies (that means pay money to ozzies)

What works for the aussies? What online surveys that pay Australians? Below are the online survey reviews that pay Australians.
They are fantastic online survey company.
They pay REAL FAST, with cold hard cash. The money is cleared (in my experience) within 2 business days.
They are fuss free online survey company that pay Australians.

This online survey company pay Australians with coupons (Woolworths, Coles, Chemist Warehouse, Dominos, etc).
You can opt to use your real name and disclose your bank account to be paid cash.
They have MANY options for you to earn a lot of points.
You can earn money by:
  • Simply visiting a legit websites (my most recent was the site of The University of Melbourne)
  • Signing up for FREE offers
  • Playing FREE games
Even better, when you do your normal shoppings (ASOS, the iconic, bonds, strawberrynet) through them you will get good amount cash backs.

This is also fuss free online survey company that pays you cash into paypal.
Less surveys available in my case but high success rate in my case.

I didn’t have any luck with this one ** at all **.
But it seems that they pay cash.

They pay paypal and coupons. They take a little longer than Vindale to transfer the money into my paypal account, based in my experience. However, coupon is instantaneously produced upon request.

You can earn money through
Filling in paid online surveys,
Being actively involved in their communities,
Testing products
Posting questions on the site wall

So what’s your next step to make $225 in 1 month whilst doing nothing?

  1. Click to Vindale.
  2. Sign up.
  3. Complete 1 easy profile. Concentrate and complete the survey carefully.
  4. And Kaching! Money in the bank
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My tips:
  • Be careful when you answer, think about the surveyor when answering the survey questions
  • Sign up to a bunch of them and ensure that you get them sent to your email mailbox
  • That way when you have time to sit down and do the online surveys, you get a bunch to go through and get paid ^.^
  • Do look through your email invitations from the online surveys, because the pay big bucks for online surveys quite regularly. Most recently they pay $135 for filling in online survey! THat is good money! The last time I did one, it took me 2 hours sitting down which is my unwind time at home after work. No biggy! :)
Note: Cashcrate, I had a hard time trying to get my online survey’s payments to be paid to me  as an Australian. 

My tips:

  • Be careful when you answer, think about the surveyor when answering the survey questions
  • Sign up to a bunch of them and ensure that you get them sent to your email mailbox
  • That way when you have time to sit down and do the online surveys, you get a bunch to go through and get paid ^.^
  • Do look through your email invitations from the online surveys, because the pay big bucks for online surveys quite regularly. Most recently they pay $135 for filling in online survey! THat is good money! The last time I did one, it took me 2 hours sitting down which is my unwind time at home after work. No biggy! :)
Note: Cashcrate, I had a very hard time trying to get my online survey’s payments to be paid to me  as an Australian.

So … what are you waiting for?
Sign up and start getting paid whilst relaxing!

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Just Do It! 


Friday, 25 March 2016

How I obtained $400 in cold hard cash from my Private Health Insurer and also save 48% of my original private health insurance premium



Private Health Insurance premium keeps rising every year. Yet most wages and salary do not. Especially those in public sector who are still fighting very hard for increase in salary in the last 2 - 3 years

So, saving for a few dollars here and there is crucial to me.

This is how I managed to reduce one of my highest expenses that is Private Health Insurance expenses by 48%  all add up.
The breakdown is:
  • $96 or 9.4% initial discount on premium
  • $150 gift card plus 1 month free ($77) initial incentive to sign up
  • $100 gift card plus 1 month free ($77) to stay in the current cover
  • A total saving of $496 a year or 48%

Step 1
  1. Call your current insurance company to lower down your current premium.
Why calling? You hold the bargaining power with the sales operator who has certain responsibility to get sales (that is insurance sign ups)
  1. The purpose of calling them is to try to lower the premium that you are paying right now. So come prepared. Always know what is the best and most competitive rate out there for your type of cover.
Handy tip: if you know some people with similar needs as you, ask. I spent 2 weeks looking when I could have just asked around. (I researched because I wanted to be thorough).
  1. When you are speaking with the sales rep, use these bargaining points to lower down your current premium:
    1. Your loyalty with the company ~ the longer the better.
    2. Historical on time payment. Ensure that you are always paying on time.
    3. Competitive rates from the cheaper insurer.
    4. If you haven’t already applied yet ~ the Corporate program.
If your employer has liaison with the insurance company, mention it to insurance company. You will normally obtain another discount from this.
Tip: if your employer is a subsidiary to a bigger company and is not listed as the liaison, try mentioning the other subsidiary companies or the head company. The insurance company will accept this.
  1. The results I obtained from bargaining were
    1. 10% lower premium
    2. 1 month free of premium
  2. Once you obtained the result, get the quote, the reference and ask for time to think.
Step 2
  1. Call the other cheaper insurance company in my case, it has always been Bupa.
  2. You know that this company offers competitive rates, try to get them to give you an even more competitive rate by using the following points:
    1. Competitive rates from your current company
    2. Corporate program
    3. Incentive to sign up
Tell them something along the line of: how very reluctant you are to leave your current insurer (because they are very good and you are loyal), but how expensive your current insurer are (even with the price match and the incentives). Ask them if they can give you incentives to switch to them. Mention to them the lowered premium and the incentives you have obtained from your current provider.
  1. I used similar bargaining script and I obtained the following results:
    1. Price match that is 10% discount on premium
    2. $100 gift card (cold hard cash)
    3. 1 month free
  2. Once you obtained the result, get the quote, the reference and ask for time to think. If they ask you to sign up, please do sign up. You have a 30-day cooling off period anyway.


Step 3
  1. Call the first company and haggle for a better incentive to stay. Tell them that you are honestly loyal and reluctant to leave, because of the (genuine) good service. Since they will most likely be wanting to keep a good customer, the sales rep always gives in (most of the time).
  2. My results were:
    1. $150 gift card (extra $50 cash)
    2. 1 month free
    3. Price match on stays (10% lower premium)

So total results for initial haggle were $150 cold hard cash, 1 month free (equals to $77) and lowered premium by 10% (or $96 per annum) = $323 savings.

Final step
During the year, I experience billing hiccups which genuinely bothers me. This hiccups caused bookkeeping hassle to me because they are not billing on time (sometimes early and sometimes late). This bookkeeping does not work well with my budgeting technique.

So I complained to them and want to get it fixed or else, I will (genuinely) leave.  

The result is, since the problem cannot be fixed, they offer me another 1 month free and $100 gift card.


In one year, through hassling and haggling to lower my premium, I get 10% lower premium and $250 cold hard cash plus 2 months free (worth $150).
In total I have saved $496 or 48% of the original premium if I didn’t haggle.


Another way to lower your premium that works for the Americans is paying 1 year’s premium all at once. However, it doesn’t work for the Australian insurers that I’ve gone with.

I hope you like this tip and tell me if it works. Or if you have any other tip, please leave a comment below.



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I’m a great believer in luck,
and I find the harder I work the more I have of it.
Thomas Jefferson

Without continual growth and progress, such words as improvement, achievement, and success have no meaning.
Benjamin Franklin

A journey of a thousand miles must begin with a single step.
Lao Tzu

The future belongs to those who believe in the beauty of their dreams.

Eleanor Roosevelt.