Demo @ Boikot Israel? (Boycott Israel)

Artikel dari Ustaz PAHROL ini amat menarik dan mungkin akan terpalit betul-betul di dahi majoriti orang Melayu kita yang sibuk dengan kempen boikot dan demonstrasi yang kononnya menunjukkan gelagat tidak puas hati terhadap Israel. Kami kongsikan artikel ini untuk bacaan pembaca Oh! Islam yang berminat (nyata tiada paksaan).
Setelah pulang daripada demonstrasi anti-Yahudi, seorang Pak Cik berbual dengan saya sewaktu sama-sama menunggu giliran mendapat rawatan di sebuah klinik.
“Puas hati. Kami dah bakar bendera Israel. Hancur luluh dibuatnya. Gambar PM Israel pun banyak yang kami robek-robekkan. Kalaulah tidak mengenangkan undang-undang, kami dah bakar kedutaan Amerika. Tapi kami masih rasional.”
Saya mengangguk-angguk kepala sahaja.
“Tel Aviv akan bergegar minggu ini dengan demonstrasi oleh seluruh dunia Islam. Dijangka banyak lagi siri demonstrasi akan diatur minggu hadapan. Awak jangan lepas peluang.”
Saya mengangguk kepala. Mungkin kerana demam, saya banyak diam. Lagipun saya telah berjanji pada diri, dalam berinteraksi perlu menjadi pendengar.
“Eh, awak tidak ada respons langsung. Baru demam sikit… janganlah begitu. Rakyat Palestin dibom, ditembak dan disekat bekalan makanan dan keperluan. Itu lagi teruk.”
kali ini saya senyum. Saya bersuara perlahan, “saya sokong tindakan Pak Cik dan demonstrasi menyatakan pendirian kita menentang kekejaman Yahudi.”
“Bagus. Suara saya serak melaungkan takbir semalam. Dada ni sakit-sakit sejak akhir ni.”
“Kenapa Pak Cik?”
“Rokok dik. Semuanya fasal rokok ni.”
“Pak Cik hisap rokok apa?” saya mula teruja untuk berbual.
“Masih Winston. Dah sebati sejak dulu.”
“Winston from America?” bisik saya perlahan.
Kali ini Pak Cik tu pula mengangguk-angguk.
“Sakit-sakit Pak cik pun masih kuat berdemonstrasi. Apa pandangan adik tentang demonstrasi ini?” kilasnya mengalih arah perbualan.
“Ada langkah yang lebih utama dan pertama daripada itu,” tegas saya.
“Apa dia?”
“Solat Subuh berjemaah.”
“Kita cakap bab jihad, awak bercakap bab ibadat.” Muka pak Cik itu mula memerah. Tangannya mula digenggam.
“Jihad dan ibadat tidak terpisah. Bahkan ibadat itulah yang akan membangunkan roh jihad yang sejati.”
“Kita mesti sanggup memikul senjata.”
“Betul. Tetapi kuakkan dulu selimut menutup umat yang masih tidur menjelang Subuh.”
“Saya tak faham.”
“Pak Cik, Israel mesti ditentang menurut kaedah yang menyakitkan mereka.”
“Apa yang menyakitkan mereka?”
“Mereka bimbang sekiranya bilangan orang Islam yang solat subuh berjemaah sama dengan bilangan orang Islam yang solat Jumaat! Ini diakui oleh cerdik pandai mereka sendiri.”
“Jadi?”
“Sebaik-baik ‘demonstrasi’ ialah didik umat ini bersolat Subuh secara berjemaah di surau-surau dan masjid. Solat itu hubungan kita dengan Allah. Jangan harap musuh akan kalah, kalau Allah tidak bantu kita. Lihat di Badar, lihat di Khandak, bagaimana Rasulullah saw dan sahabat akrab dengan Allah. Lihat pula Salehuddin, lihat pula Muhammad al Fateh, bagaimana teguhnya mereka menjaga solat dan ibadat-ibadat khusus yang lain.”
Hampir terlupa saya pada janji diri untuk lebih mendengar. Saya menarik nafas panjang. Kembali merenung Pak Cuik tersebut dengan senyuman.
“Awak rasa bakar bendera Israel tak perlu? Mana kemarahan awak?”
“Bakar bendera Israel boleh saja. Ayuh, bakarlah. Tetapi jangan membakar rokok Amerika dan sekutu Yahudi yang lain lebih perlu. Cukup kalau sebulan sahaja umat Islam berhenti merokok, mungkin jumlahnya sudah berjuta-juta ringgit. Dan wang yang terkumpul itu hantarkan ke misi bantuan kemanusiaan ke Gaza!”
“Awak sindir saya?”
“Pak Cik saya tidak menyindir. Kebanyakan umat Islam, termasuk saya, hanya bencikan Yahudi pada mulut sahaja tetapi pada tindakan tidak.”
“Saya dah bertindak. Saya dah demonstrasi!”
Lagi-lagi ke situ fikirnya.
“Pak Cik dalam Al Quran, Allah tegaskan orang Yahudi itu tidak akan redha selagi kita umat Islam tidak mengikut cara hidup mereka.”
“Siapa kata kita ikut cara hidup mereka?”
“Pak Cik, lihat betul-betul. Apakah masyarakat kita telah bangunkan cara hidup Islam?”
“Kita orang Islam. Cara hidup kita mesti Islam.”
“Tidak Pak Cik. Ramai umat Islam yang tidak amalkan cara hidup cara Islam.”
“Contoh?”
“Dedah aurat, pergaulan bebas, riba, judi, arak, tinggal solat, budaya hedonisme dan dualisme masih berakar umbi dalam masyarakat kita. Lihat sahaja unsur tahyul, mistik, seks bebas dan gosip yang mendominasi media-media umat Islam. Tidak ikut cara hidup Islam bererti terperangkap dengan cara hidup isme kapitalis, sosialis mahupun liberalis.”
Pak Cik itu terkejut sedikit, lantas menyampuk, “mana Yahudinya. Awak kata Yahudi, tapi yang awak sebut golongan hedonis, liberalis, kapitalis dan sosialis?”
“Ketiga-tiga isme itu sama.”
“Sama?”
“Kesemuanya dicipta oleh golongan yang sama… ZionisYahudi!”
“Jadi demonstrasi ini tidak berfaedah?”
Saya menggeleng-gelengkan kepala perlahan.
“Ada faedahnya. Tetapi ia bermusim dan agak bersifat agak artifisial. Kita perlu agenda yang konsisten dan ‘genuine’.”
“Misalnya?”
“Ajak orang Islam serius solat lima waktu dengan penghayatannya sehingga dengan solat itu mampu meninggalkan kejahatan dan kemungkaran.”
“Lagi?”
“Tinggalkan riba, judi, arak dalam kehidupan umat Islam. Wanita Islam didakwah dan ditarbiah secara berhikmah untuk menutup aurat dalam ertikkata sebenar dan tinggalkan pergaulan bebas!”
“lagi?”
“Pak Cik, cara hidup Islam itu terlalu banyak. Dengan mengamalkannya satu persatu kita boleh ‘berdemonstrasi hari-hari’ terhadap atas Yahudi. Bila kita boikot cara hidup berseronok-seronok yakni hedonisme, ertinya kita boikot cara hidup Yahudi yang disalurkan melalui dalang-dalang mereka di Holywood.”
“Idola Amerika?”
“Ya. Juga idola kita yang meniru persis mereka. Bangsa yang leka berhibur akan mudah dijajah.”
Pak Cik itu batuk-batuk.
Saya urut belakangnya.
“Dah lama Pak Cik batuk? Berhentilah atau kurangkan perlahan-lahan ya Pak Cik?” kata saya seakan-akan merayu.
“Semangat Pak Cik kuat, saya doakan Pak Cik berjaya. Amin.”
“Tak terfikir pula saya begitu jauh kita dibius oleh cara hidup musuh yang kita benci.”
“Kadang-kadang musuh ketawa melihat kemarahan kita. Bangunkan remaja kita untuk solat subuh berjemaah, Yahudi akan sakit hati. Tutup aurat remaja perempuan kita, Yahudi akan sakit hati. Tinggalkan riba, judi, arak, pergaulan bebas, insya-Allah, Yahudi akan gigit jari.”

“Tetapi kalau cara hidup kita mengikut telunjuk jari mereka, Zionis akan ketawa sekalipun berlambak-lambak bendera mereka kita dibakar. Jeritan Allah hu Akbar dalam demonstrasi itu baik, bersemangat tetapi ucapan takbir dalam solat lima waktu lebih besar maknanya. Apakah Allah akan nilai laungan Allah hu Akbar daripada umat yang tidak solat? “


“Eh, kami yang demonstrasi semua solat…”
“Bukan itu maksud saya. Tetapi seluruh umat Islam ini. Saya risau kerana ada kajian menunjukkan 80% umat Islam sudah tidak solat. Itu yang tidak solat langsung. Bayangkan pula yang solat tanpa ilmu, tanpa penghayatan dan tanpa khusyuk? Jadi berapa kerat umat ini yang benar-benar kompeten menghadapi Zionis dalam erti kata sebenar?”
Giliran Pak Cik itu tiba. Dia melangkah perlahan menuju bilik rawatan. Ditinggalkan sendirian begitu, saya lontarkan pandangan ke luar klinik. Terus merenung dan berfikir. Masih terbayang wajah pemimpin-pemimpin dan para pengikut yang ramai dalam demonstrasi seperti yang dipaparkan di dada akhbar dan di kaca televisyen. Alangkah indahnya jika demonstrasi dibuat seusai solat Subuh berjemaah dan sebelum itu didahului oleh qiamulail dan qunut nazilah?
Dan kemudian setelah selesai berdemonstrasi, para pemimpin dan ribuan pengikutnya itu terus sahaja mengamalkan cara hidup Islam dalam diri, keluarga, jabatan, unit, organisasi, masyarakat dan bahagian masing-masing. Bukan hari itu sahaja… tetapi hari-hari. Setiap hari!
Ah, bagaimana umat ini hendak disedarkan bahawa mengamalkan cara hidup Islam itulah cara penentangan yang paling dibenci oleh Yahudi? Firman Allah:
“Sekali-kali tidak redha orang Yahudi dan Nasrani sehingga kamu mengikut millah (cara hidup) mereka.”
Dan alangkah baiknya jika jeritan Allah hu Akbar, dibuktikan dengan penegakan hukum Allah dalam seluruh sistem kehidupan sekali gus ‘mengecilkan’ pandangan akal sendiri dalam menyusun dan mengatur kehidupan ini?
ROHISLAM: SAMPAIKANLAH ILMU WALAU HANYA DENGAN SATU AYAT.

Water Treatment System CNI

     Before i went buying water filter, i had done a lot of survey of from many brand that i can found in Malaysia.. Imagine that with the 7 filter system it only cost you under Rm2000 while others branded product, i could hardly to find a good filter system that consist of 7 stand alone filter that had a nice price like this. One of the product that i had it browser, it had 5 stand alone filter and it cost around RM3000. There are some brand that also had 7 filter but the cost are much higher,above  Rm4000++

Waterlife system had an easy installation...i can do it myself.. And if you dont have confident to install it,the CNI crew will gladly to help you out. beside that there are lot of free gift (around RM200,if i dont mistaken) and you will become member automatically..For those who want to buying Cni waterlife system but doesn't had enough cash, you can make a loan through AEON bank instalment. Rm80+ permonth (also if i dont mistaken).





Berkenaan Dengan 7 Penapis Waterlife


Penapis Seramik

Saiz liang cuma 0.9 mikron, dihasilkan pada suhu melebihi 1000°C, berongga dibahagian tengah dan dipenuhi liang yang boleh ditembusi. Berupaya menapis lumpur, pasir dan batu halus, karat besi dan jirim-jirim lain dalam air. Ujian membuktikan liang berukuran 0.45 hingga 1.0 mikron dapat menghapuskan 99.9% bakteria dan menepati piawian keunload keselamatan. Penapis Pelembut Resin

Penukaran ion melembutkan air dan mengimbangkan ion dalam air. menghapuskan logam berat atau bahan karsinogen agar air menjadi lebih lembut dan lebih manis.

Penapis Butiran Karbon Aktif

Diperbuat daripada butiran arang tempurung kelapa yang berupaya mengurai bahan-bahan kimia dalam air, menghapuskan bau klorin yang tidak menyenangkan, racun rumpai dan sebagainya serta menyingkirkan pewarna, memulihkan kesegaran dan rasa manis air.

Penapis Bio-Seramik

Berupaya menjana dan memancarkan gelombang magnetik infra merah jauh. Resonans yang tercetus antara gelombang magnetik dan molekul air meningkatkan muatan oksigen dan tenaga dalam air, mengaktifkan molekul air dan memecahkan kelompok molekul air yang besar menjadi kecil, menghasilkan air lembut dan hidup supaya ia lebih mudah diserap oleh sel-sel dan menjadi lebih bertenaga. Sel-sel yang bertenaga dapat membantu merangsangkan metabolisme dan peredaran darah, meningkatkan daya penyerapan dan daya imun serta mengawalatur sistem endoktrin yang seimbang. Semua ini adalah syarat untuk membina tubuh yang sihat, cergas dan bertenaga.

Penapis Tourmaline

Diperbuat daripada Tourmaline yang berupaya memancarkan ion negatif dan physioletrik yang semulajadi. Pengambilan air ini secarakerap dapat membantu mengimbangi ion negatif dan positif dalam tubuh, membolehkan tubuh mencapai "Keseimbangan Ying dan Yang", meningkatkan sistem peredaran, meredakan tekanan, meningkatkan kecergasan dan menguatkan sistem imun.

Penapis Blok Karbon Aktif

Penapis ini dibentuk dengan memampatkan karbon aktif yang dikisar halus bersama bahan pengikat dan kemudiannya iakur hingga terbentuknya blok pejal dengan penyerapan dan keberkesanan kinetik yang terunggul. Penapis ini menulenkan air buat kali kedua, meyerap dan menghapuskan bahan-bahan kimia, gas bertoksik, sisa-sisa radiasi dan bahan cemar lain secara menyeluruh

Penapis Seramik Anti-Bakteria Nano

Penapis seramik ini dihasilkan melalui teknologi nano terkini bagi mengingkatkan Air WaterLife yang bertenaga tinggi dan selamat dari segi mikribiologi. Partikel seramik nano mempunyai keluasan permukaan realtif yang sangat besar dapat meningkatkan kadar pengaliran air yangberoksigen, seterusnya meningkatkan fungsi penghapusan bakteria dan kulat.

Keselamatan Air Disahkan Oleh Pakar Kualiti Air

Sistem WaterLife CNI telah diuji dan terbukti menepati standard kesihatan air minuman, air bertenaga yang berupaya menulenkan tubuh badan sekali gus meningkatkan kualiti kesihatan oleh pelbagai makmal di dalam dan luar negara.

Parameter Ujian Saintifik:

Nilai pH, bau, warna, rasa, kekeruhan, pepejal terlarut, sisa klorin, ammonia, flourida, klorida, nitrit, nitrat, sebatian fenolik, raksa, sianida, boron, kealkalian, fosfat, sulfat, aluminium, tembaga, kromium, besi, magnesium, plumbum, zink, kalsium, kalium, nitrat, mangan, barium, kadmium, molibdenum, nikel, arsenik, selenium, perak, 'total hardness', pembilang koliform, pembilang E.Colo, gugusan molekul air.


WaterLife disahkan diperbuat daripada bahan suci & Halal oleh JAKIM.

ENGLISH TRANSLATION

Why CNI WaterLife LifeTec is special?
- Latest Technology of WaterLife System.
- Purified & healthy water.
- Small water molecules cluster.
- Economical & pragmatic.
- DIY concept, easy to install & operate.
- Contains trace mineral.
- Contains QI ( chinese KI ) & Energy.
- Presentable & practical.

Come together with 7 Filters:-
1. Ceramic Filter
2. Soft Resin Filter
3. Active Carbon Filter
4. Bio-ceramic Filter
5. Tourmaline Filter
6. ACtive Carbon Block Filter
7. Nano Anti-Bacteria Ceramic Filter

This product comes with 1.5 years warranty. No need to replace the filters in less than 1.5 years. It is very easy to install as it is using DIY (Do It Yourself). Easier to fix all type of pipes. Don't worry about the connector, all fix with universal connector.

Call for a demo ( or browser if the CNI team cant show the demo ) now @ 0168855664 (MALAYSIA COSTUMER ONLY). Or send an email to me at bunceet_hebat@yahoo.com

Every month will had some random free gift if you purchase Cni Waterlife, which mean you can buy it anytime just that at difference month the gift also difference.

Make Money While At Home

These days it appears as if most are looking to home work and earn cash on the internet. It all makes complete sense with how evolved technology has become and the proven fact that the world is becoming so funny and fast-paced that it might be way easier and better to home work with a home enterprise.

We all would like to have a home based enterprise and make cash online right from our zone of comfort with our loved ones. Imagine having total liberty, no stress, and better general fitness.

Would not that be amazing? Unfortunately, when you research the probabilities and Google terms like: home work, earn cash online, best home-based business, the proper way to start a home based enterprise, how to earn some money online or telecommute the opportunities are unlimited and yes quite threatening. You definitely need to keep an eye out for the numerous vultures that prey on the upbeat who are simply making an attempt to change their lives by home working with a home based enterprise. My tough recommendation to you is to totally research before joining a home business programmer such as : EDC Gold, EDC Diamond, Wealth Funnel System, Road Map To Riches, Passport To Wealth or Reverse Funnel System to cite a couple. Personally, I've been working for The Wealth Funnel System Company for 1 or 2 months and am having incredible success. I have been in contact with the president of the company Crane Harper since the start and he could be a great guy. Crane is extraordinarily supportive and most significantly offers the actual facts. What many individuals do not understand is the key to working at home, earn money online or have a home based enterprise is the right education of the simple way to MARKET on the internet. Yet, this education is so tough to find and is only achievable with fair programs like the ones noted above and particularly The Wealth Funnel System.

Education is the principle price here at The Wealth Funnel System with support. I attempted many others programs during the past and was condemned from the start but didn't know it at the time. As you doubtless figured, I lost lots of cash online all because I had varied products to sell and many tools but extraordinarily minimal selling education. And what about support? I didn't have a guru or any person I could raise questions or get advice from. Unfortunately, I was totally alone and lost in the world of net promoting. After I observed the short coaching videos of The Wealth Funnel System I ultimately accepted how to market online and exactly what I wanted to do. It could not have been any simpler when I had the correct online promoting education. Ultimately, I was capable of making money online and telecommute like I dreamed.

The commissions started rolling in: $997, $1500, $ 997 and now I made over $10,000 last month. The Wealth Funnel System is actually a warranted means to earn income online by beginning a successful home run enterprise. Telecommuting hasn't ever been possible so simply till now. At The Wealth Funnel System you have unrivalled support / steering and an easy cutting edge video coaching system that will enable you to make the cash you merit and fulfill your dreams of home-working.

It definitely is good to know that there are one or two programs online that definitely work and care.
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Money Advice if You're Under 25 Years Old

Are you under 25 years of age? Are you living on your own dime? Struggling with school, rent, and all the payments that come with becoming an adult? Here's some money advice especially for you that may help you avoid the average $3,000 credit card debt of new graduates, and their $25,000 average student loan debt. With careful budgeting, you won't need a credit card, and you can keep your student loan debt to a bare minimum.

Big sums can overwhelm

Get used to handling large sums of cash. Often it's a trial-by-fire for young people when they first borrow money to go to school. Student loans are generally awarded in lump sums in fall and winter and it can seem like a huge amount to someone who hasn't normally had much cash in the bank. So, get accustomed to having a large cash infusion that has to last several months, and budget accordingly. And $5,000 isn't as much as you think-it'll fly from your account if you don't carefully manage it.

Pay everything you can in full, up front

As soon as you get your loan, pay all your student fees, buy your books, and if you've rented an apartment, see if you can pay for at least one full term. This will ensure that your rent is paid, you don't blow the cash for your digs, and you have a place to live for the term. Try to negotiate a lower rent with your landlord because you're paying in advance. And always, always get a receipt for your rent, and your agreement in writing.

Avoid credit cards and lines of credit

Don't get sucked into getting a credit card. In your first few days on campus, credit card offers may be everywhere. Don't fall for one-even if all your friends have one. Make all your purchases with cash to ensure you live within your means, and graduate with as little debt as possible. Canadian student loans are now often managed as lines of credit. This can be really overwhelming since you may have access to the full year of your student loan right from September. Banks argue this saves you money, since you only pay interest on what you borrow. However, for most students, a better choice is to put your money into an account that you can't access except by going into the bank, and then transfer monthly amounts into a chequing account for ongoing expenses.

Put your money into savings

Put what's left of your student loan into an account that's not accessible by your debit card. Figure out how much money you can spend each month and transfer only that amount into a chequing account. Make up a budget for groceries, bus fare, your laundry, nights out, and other costs and put cash into envelopes marked for each. When you spend from the envelope, put your receipt in so that you can track your spending.

Live at home

Live at home if you can. Although you may be anxious to spread your wings, living at home can be a smart choice. Renting even just a room can cost thousands, and parents can be handy rides, sources of unexpected funds, and even good advisors. So if you can stand to live at home, it'll save you plenty of money.

If you build good habits when you're first starting out, you will likely continue to have good spending habits later-and you may finish your education owing a lot less money than your freer-spending friends.
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Money Saving Ideas

DON'T SHOP ON AN EMPTY STOMACH

Don't shop when you are hungry. People tend to buy more, and a larger amount of the things they don't need when they are hungry, so always shop with a full stomach. Also, prepare to dress more warmly, since supermarkets are often cold, because the cold temperatures actually makes you hungry so you buy more!
So before we went to shopping,why dont we fill our stomach first.who know how much can we save.

DON'T CARRY TO MUCH MONEY,ALWAYS PAY CASH

Before grocery shopping, write a list of the items you need. Then, when shopping, only buy those items. Avoid putting other things in your cart that catch your eye. Supermarkets want to take advantage of people buying things they did not intend to purchase, so be a smart shopper and use a shopping list.

Also, don't buy more than what you can afford. You are probably better off using cash than a credit card, if using a credit card puts you into debt. If you only bring the money you intend to spend, then you can't spend any more.

so just bring enough money and extra $50 for unexpected event..

Debt Consolidation Loan - An Alternative to Pay Debts Easily

Are you unable to sleep? Are you unable to focus on your work? Everyday expenses make you worry? Now it's time to relax guys because we have a new type of loan facility for us, debt consolidation loan. Now you must be thinking what actually is debt consolidation fund? It is the type of loan facility in which the debts of the company is managed by one single individual debt Consolidation Company. It keeps check of all the debts of the company and pays it by itself for various accounts held by the company. Various advantages of this facility are as follows.

Firstly, it helps individual in paying the debts for the whole month to one single company rather than paying it to various banks. Secondly, it proves as a stress buster, as the individual don't have to pay to only one company. Thirdly, there is a check at the annoying calls that we receive from different banks for the payments. And lastly, it helps in improving the credit score of an individual as when person manages various accounts with various banks than sometimes they fail to pay money on time. This reduces their credit score.

For a good debt consolidation loan deal one should try to find a good company and check out the interest rates which they are giving. The company which is giving nominal interest rates and with a good name can be the best for the deal

One should also look for the collateral which they are asking for, in case of your failure to pay the loan. In the end, I would say that one should keep in mind all the aspects and then go for the deal which suits the best for business and for him.

Sonya Rai is a world renowned finance expert. Her valuable advices on Unsecured Loans, Debt Consolidation Loans and Logbook Loans has proved to be extremely useful in UK

Article Source: http://EzineArticles.com/?expert=Sonya_Rai

How to Get a Loan With Bad Or Poor Credit

In time of crisis and financial difficulties people often turn to loans, especially when they have no one left to turn to. A loan is a process where people borrow money from a lending company or in the bank to buy the things they want or need. Like when they want to buy a house. Since they can't get that big amount of money in just a short time the best process is to apply for a housing loan or mortgage.

There are lots of different kinds of loans in which you could choose from depending on what type of loan you want to apply. When you want to buy a car you could apply for car loan, or f you want to send your children to school You could try the educational loan you can even loan cash if you want.

Although getting loans are easy then I suggest you have to think again, in getting a loan you need to have the necessary requirements that they need depending on what kind of loan you wanted to get. But you need to know that a person with a bad credit record would really have difficulties on getting their loans approved.

Here are some tips and advice for those people with bad credit who wants to get a loan.

You should be patient and do some research first, you could go to the net and gather information on how you could get your loan approve even when you have bad credit record. This is important for it might help you in your search for a company or a bank that will give you a loan.

Almost everyone knows that if you have bad credit record you would have a hard time getting your loans approve no matter what kind of loan that is. This is because due to your bad credit history the bank or the company that you want to borrow money from will have difficulty in trusting your word that you would pay them back. That is why your credit record is very important for it will serve as a reference for them to see if you are a good payer or not.

You should never lose hope though for you could still find companies that would accept or give a chance for those people who have bad credit history but the road to that is not easy. That's why you should be ready for many rejections before you could find a company that is willing to trust that you would pay them back.

If ever you can find a company that is willing to approve your loan despite of your bad credit record then you should be grateful and try to clean your credit record. You could do this by paying on time, or reducing your credit cards. You should focus and manage your expenses well so you would be able to pay your loans.

If you are given a chance slowly clean your credit record so that the next time you want to get a loan you wouldn't have a hard time.

There are many bad credit bank loan options out there. However, you should be aware the worst excesses like balloon payment loans are largely a thing of the past. Especially, for people with poor credit.

To find out more on how to get loans see Gordon Smith's website or just click on the links above.

Article Source: http://EzineArticles.com/?expert=Gordon_H._Smith

Data Entry Jobs

Data entry jobs are among the highest paying part time jobs. They can help you with residual home opportunities and passive income which can grow over time as your passion for work grows. Earning passive income online can't get much easier than signing for these works. More importantly, you don't need to go to office daily to perform your tasks. These works are well known work at home type jobs.

Part time data entry jobs are very useful for those who would like to work from home. For example student who goes to college might need extra income to help their tuition fees and living. This is one of the most popular student part time works. Housewives might consider using their free time to earn online with these home based jobs.

To get started with earning online you need to register yourself with several online portals meant for helping companies to find suitable people for freelance data entry jobs. These portals publish thousands of freelance jobs everyday for which you can apply. The company might seek additional details like your qualification, prior experience, your regular job (if applicable) and your preferred cost per hour.

However notice that these are temporary data entry jobs where you might not signed for a long time. Depending on your performance you would be awarded incremental projects. Your online earning might not be consistent at the beginning but would tend to get stabilized as you start working consistently on more projects.

Finding legitimate data entry jobs is very important for your successful journey. Once you get to find opportunities posted by a company, check for the company's credibility from online sources like blogs and third party websites. This step of checking for legitimacy should not be underestimated in your hunt for finding the right job.

Want to get started right now?

Visit http://free-work-from-home-data-entry.blogspot.com/ which can guide you with pointers to make money with these jobs.
Data Entry help carries useful information to help you to find these jobs. More you stay informed with new job postings better equipped you are.

Regards,
Kamalkk Kannan

Article Source: http://EzineArticles.com/?expert=Kamalkk_Kannan

PTC Scams Listing

List below is some of the scam PTC program. Better watch out since there are still many scam PTC program that yet to be found


1. malbux.com
2. buxfly.com
3. seriouxclickers.com
4. instantlyptc.com
5. instantrustbux.com
6. 724bux.com
7. futurebux.com
8. mariobux.com
9. mexclix.com
10. baybux.com
11. tumoney.com
12. worldofbux.com
13. simplybux.com
14. nerobux.com
15. itsthenewthing.com
16. osabux.com
17. oldschoolbux.com
18. professionalbux.com
19. clean-invest.com
20. crewbuxonline.com
21. epicclicks.com
22. eliteclikerz.com
23. 07bux.net
24. max-ptc.com
25. buxinstant.com
26. adandel.com
27. mydolar.com
28. storybux.com
29. totalbux.com
30. buxybux.com
31. bux4.net

it is true that we can make money without investing,without initial capital.
good luck making money online.....

*PTC program suitable for beginner to get money to setup their own website. (domain+hosting)without spending any of your own money

Pay to Click Programme.

This post i want to share my opinion about pay to click (PTC) program.
Pay to click program is one of the free program online that offer money to participant of the program. Participate just need spend their time to click at all ads that available at pages and wait for about 30 second and pooof....you earn your money..Each PTC program had its own term and regulation on withdrawal of the money,which mean we need to wait for the money to accumulate,let say for example $10. so when ever you had reach the target,u can withdraw it via paypal or other method.

For example

you click 10 ads a day = $0.10
20 referrals click 10 ads each per day = $2.00
it mean that your daily earning is = $2.10
and your monthly earning = $63.00
and if you are Malaysian same with me = Myr 226.00++ (63*3.6)
what if there are more then ads daily? what if your referral is more than 20?
you do the calculation....

*referral is someone that you promote the link and he/she join you and participate in PTC also.

it so easy even a primary school can do it also...this program would make you a millionare but it can help you to help other for a better life..right?

so if you want to learn about it..just leave your comment and i will try to help..

Just to share with fellow Muslim

It has been discovered by Doctor Ibrahim Karim (Biologist) that Asma ul Husna, most beautiful names of Allah (SWT) have healing power to a large number of diseases.
He used precision methods in the measurement of energy within the human body and discovered that every one of the names of Allah (SWT) stimulates energy in the immune system of the human body to work efficiently in a certain ideal human body.
He discovered that the mere mention (reciting) of most beautiful names of Allah (SWT) leads to improvement in the tracks Bio Energy within the human body, and after a 3-years of research Doctor Ibrahim Karim reached to the following:
01. Ear - As Sami (The all Hearing)
02. Bone - Al Nafi (The creator of good)
03. Backbone - Al Jabbar (The Compeller)
04. Knee - Al Ra uf (The Clement)
05. Hair - Al Badi (The Originator)
06. Heart - Al Nur (The Light)
07. Muscles - Al Qawi (The All Strength)
08. Heart Waves - Al Wahab (The giver of All)
09. Heart Muscle - Al Razaqq (The Sustainer)
10. Nerve - Al Mughni (The Enricher)
11. Artery - Al Jabbar (The Compeller)
12. Stomach - Al Razaqq (The Sustainer)
13. Cancer - Al Jalil (The Mighty)
14. Thyroid - Al Jabbar (The Compeller)
15. Thigh- Al Rafi (The Exalter)
16. Migraine - Al Ghani (The Rich One)
17. Eye Arteries - Al Muta ali (The Supreme One)
18. Kidney - Al Hayy (The Ever Living One)
19. Colon - Al Ra uf (The Clement)
20. Intestine - Al Razzaq (The Sustainer)
21. Liver - Al Nafi (The creator of good)
22. Pancreas - Al Bari (The Make of Order)
23. Fatty Sacks - Al Nafi (The creator of good)
24. Womb - Al Khaliq (The Creator)
25. Bladder - Al Hadi (The Guide)
26. Rheumatism - Al Muhaymin (The Guardian)
27. Prostat - Al Rashid (The Righteous Teacher)
28. Nerves of the Eye - Al Zahir (The Manifest One)
29. Pineal Gland - Al Hadi (The Guide)
30. Blood Pressure - Al Khafed (The Abaser)
31. Lung - Al Razzaq (The Sustainer)
32. Thymus Gland - Al Qawi (The All Strength)
33. Gland above the Kidney - Al Bari (The Make of Order)
34. Hair Peel - Al Jalil (The Mighty)
35. The Nasal Cavities - (Al Latif, Al Ghani, Al Raheem)
36. Eye - (Al Nur, Al Basir, Al Wahab)
Method of treatment: Lay your hands on the place of pain and praise Allah (SWT) names above according to your disease until the pain heals or cure away Insha Allah.
Note: Please keep in mind whatever takes place in result of reciting the names of Allah (SWT) depends on the will of Allah, the Almighty.

For My Mother..Thank You Mom

Suatu hari seorang bayi siap untuk dilahirkan ke dunia. Dia bertanya
kepada Tuhan : “Para malaikat disini mengatakan bahwa besok Engkau akan mengirimku ke dunia, tetapi bagaimana cara saya hidup disana, saya begitu kecil dan lemah”?

Dan Tuhan menjawab, “Saya telah memilih satu malaikat untukmu. Ia akan
menjaga dan mengasihimu.”

“Tapi disini, di dalam surga, apa yang pernah saya lakukan hanyalah bernyanyi dan tertawa. Ini sudah cukup bagi saya untuk berbahagia.”

“Malaikatmu akan bernyanyi dan tersenyum untukmu setiap hari. Dan kamu
akan merasakan kehangatan cintanya dan menjadi lebih berbahagia.”

“Dan bagaimana saya bisa mengerti saat orang-orang berbicara kepadaku jika
saya tidak mengerti bahasa mereka ?”

“Malaikatmu akan berbicara kepadamu dengan bahasa yang paling indah yang
pernah kamu dengar; dan dengan penuh kesabaran dan perhatian, dia akan
mengajarkan bagaimana cara kamu berbicara.”

“Dan apa yang akan saya lakukan saat saya ingin berbicara kepadaMu ?”

“Malaikatmu akan mengajarkan bagaimana cara kamu berdoa.”

“Saya mendengar bahwa di Bumi banyak orang jahat. Siapa yang akan melindungi saya ?”

“Malaikatmu akan melindungimu, walaupun hal tersebut mungkin dapat
mengancam jiwanya.”

“Tapi, saya pasti akan merasa sedih karena tidak melihatMu lagi.”

“Malaikatmu akan menceritakan padamu tentang Saya, dan akan
mengajarkan bagaimana agar kamu bisa kembali kepadaKu, walaupun sesungguhnya Aku akan selalu berada di sisimu.”

Saat itu Surga begitu tenangnya sehingga suara dari Bumi dapat terdengar,
dan sang anak bertanya perlahan, “Tuhan, jika saya harus pergi sekarang, bisakah Kamu memberitahuku nama malaikat tersebut ?

“Kamu akan memanggil malaikatmu, Ibu.”

....................................................................................

Translation in English...hope sum1 can help me with the translation...correct me if im wrong :p

....................................................................................

one day an baby fairy (still in form of Ruh @ soul in heaven ) which is ready to be put in the physical body (child @ fetal) to be born, asking The Almighty God

baby: the angels here had told me that by tomorrow i will be send to earth (born).how can i survive since i am very weak and small

God : We already send you an angel,special just for each born baby. it will take care and loving you.

baby: but in here, in heaven i already happy since all day i just singing and laughing. it already make me feel prosper.

God : your angel will sing and smile for you everyday. you will feel her love and becoming more happy.

baby: how can i understand what they are talking about since i don't understand their language.

God : your angel will communicate to you with the most beautiful voice you've ever heard of, and with passion and love she will teach you how to speak and understanding their language.

baby: and what should i do if i want to speak and communicate with You.

God : your angel will teach you how to pray.

baby: i heard that there are many villain on earth. who will protect me.

God : your angel will protect you even it will cost her own life. your angle will her life on the line for you.

baby: but, i will feel sad because can't see You anymore.

God : your angel will tell a story about We,and teach you so you can eventually came back to Our side again. and We always close to you,always be at your side.

and the heaven began so warm and peaceful that the voice from earth can be heard.
and the child asking Almighty God slowly

baby: since i need to go now,may i know what is the name of my angel

God : you can call your angel 'MOTHER' ...

Thank mom for rising me...thank you very much..i love my mom and dad.

about our daily consuming water...

Living Water
Everyone has to constantly refill his or her body with water.

Humans have lived 81 days without food but will die in 5 days without water. If a person loses 5% of his total water, he will start to hallucinate, become disoriented, and experience twitching muscles. If he loses 15% of his total water, his life is endangered.
I know how annoying the advice to drink water may seem. Many of my younger patients, those in their teens and early twenties, become annoyed when I tell them to "drink lots of water." Why? Because throughout their entire lives, they have heard nothing good about water. Newspapers and magazines have been constantly telling them that their water is contaminated and dirty. This negative publicity also causes their teachers and parents to worry about the quality of drinking water.
Simultaneously with this bad publicity about water, these people have been bombarded with glorious propaganda concerning soft drinks, coffee, tea, and beer. Ads imply that if you drink their product, you will be healthy and beautiful like the people in the photograph. Commercials make it seem like drinking the right beer will make you popular and happy. They almost always show a group of people having fun while drinking their brand of beer. The reality of a neighborhood bar is often quite different. Bars are full of lonely people. Laughter is few and far between. Even smiles are rare.

If they stop to think about it, most people realize that soft drinks are harmful. But apart from realizing that sugar and caffeine are not good, they do not really understand why soft drinks are so bad for their health.
The main difference between water and soda pop is that good drinking water has oxygen in it and soda has dissolved carbon dioxide gas under pressure, which forms the bubbles when you open the can or bottle.
A person breathes in oxygen and exhales carbon dioxide. Carbon dioxide, like urine and feces, is one of the waste products of the human body. Drinking carbonated beverages adds large quantities of the very chemical the body is trying to get rid of.
If you take carbon dioxide into your system, your body tissue will absorb it. There just isn't room for both the carbon dioxide and the amount of oxygen each cell needs. The carbon dioxide pushes some of the oxygen out of the cell. The result is that the cell which is exposed to carbon dioxide goes through temporary hypoxia-lack of oxygen-which induces faulty metabolism. This eventually results in diseased organs.
Drinking soda keeps people from drinking water when they are thirsty. Soft drinks are harmful to your health because they do not cleanse your body's cells. Instead, chemicals in soda pop are accumulated within the cells as harmful waste products.
When I tell my patients that drinking water will help them stay healthy, some of them ask incredulously, "Do you mean Cincinnati water?" Yes, I mean regular, Cincinnati tap water. Then my patients tell me how contaminated city tap water is, and that it causes cancer. If you go to any large city, most of the residents of that city will tell you that they have the dirtiest water in the U.S.A. Somehow, the media has convinced the majority of citizens that their water is too contaminated to drink.
I don't understand why these people believe that adding coffee, tea or other chemicals to their tap water will make the tap water any safer. The mixtures of chemicals in drinks actually add contaminants to the water.
Most people have all kinds of romantic pictures in their minds. They like to think that soft drinks are made from sparkling, splashing water which comes bubbling up from a pure spring somewhere far away in the mountains. They may imagine that there is a mystical fountain in a beautiful cave deep within Mother Earth where the bottlers go to make their delicious concoctions.
Some brewers and bottlers might use spring water carted in from some other location, but it's not likely-if it raised the cost of production much, they wouldn't spend the money. The vast majority of water used in making soft drinks comes either from the city water supply or from wells at the brewery, cannery, or bottling facility wells which draw from the same aquifer as all the other wells in the community. City water comes from wells, springs, lakes, reservoirs, or from river water. If pollutants exist in the supply, it goes right into the bottled or canned product.
Whatever the source, anything that was in the water which was used in making soft drinks and beer, is still in it when you drink it. These drink manufacturers have added still more chemicals to make their products.
Rivers or reservoirs are sometimes contaminated with chemical spills, but a city's water is constantly tested by the engineers of the water department. Rural areas' water supplies are periodically checked by the counties. The counties are checked by the state. The Environmental Protection Agency also monitors the water all over the country to ensure the safety of the water supply. I don't think that the E.P.A. would allow people to drink anything as toxic as the media would lead us to believe.
Only water can clean waste products and toxic chemicals out of the body and out of the brain. If a person does not eliminate these waste products, it will cause disease and will alter his behavior in some way, sooner or later.
For example, since 1960, Americans' intake of soft drinks has increased and their intake of water has decreased. Also, due to air conditioning, Americans perspire less than they did in the past. During this time, the divorce rate has increased greatly, the quality of U.S. products has worsened, and the
rate of drug abuse has increased. Of course, there are other reasons why these things have occurred. However, I believe the fact that Americans have greatly increased their intake of poisonous chemicals has played a major role in these phenomena.
Another example can be found in the fast-growing country of Korea. Until the 1980s, the Korean people were too poor to afford soft drinks. They were forced, financially, to drink water. Also, due to almost no air conditioning and a lack of cars, Koreans generally perspired heavily. During this time, their brains were very 'clean' family bonds were tight, Korean industry was booming, and children were doing well in school. As Korea became richer, more problems developed. Now, in Korea, most people prefer soft drinks, many houses have air conditioning, and cars are becoming more easily accessible. The divorce rate is now climbing. Student protests are more violent than ever before, the crime rate is skyrocketing, and criminals are becoming more vicious. Workers do not wish to work, and employers do not wish to share. Again, the causes of these problems are complicated, but I believe that chemical intake and improper internal cleansing have been major factors.
A patient of mine who is an experienced grade school teacher told me that she used to spend her time teaching but now she feels stressed and angry as she has to spend most of her time keeping the students quiet and seated at their desks. She is depressed that she has so little time to teach them their lessons. I believe these bad actions on the part of the students are the result of the chemicals we parents introduce into their fragile brains by allowing children to drink soft drinks and to eat junk food loaded with artificial ingredients.

Living Water and Dead Water
Most Oriental health books recommend that you drink 'living water' but never explain exactly what they mean. If you visit Seoul, Korea, you will see thousands of people awake in the early morning, 5:00 to 6:00 A.M., climbing nearby mountains for 30 to 60 minutes before going about their daily work. They go to the mountains to drink fountain water for better health. Most of them start this practice when they become sick. After doing this daily, many find that their illness begins to disappear and they become healthier. Because they feel good, they continue this morning routine.
To me this makes a lot of sense-walking daily for 30 to 60 minutes, breathing fresh mountain air, then drinking clean, uncontaminated, oxygenated fountain water. This is a good practice for anyone searching for better health. Koreans call this uncontaminated fountain water 'living water,' its traditional name. The following are the definitions of living water and dead water: Living water is water which is compatible with life Freshwater fish can live in it. It is the fresh rain water that sprinkles your garden. It is water which may contain some minerals but which certainly contains oxygen.
Dead water is water which is not compatible with life. Distilled water and carbonated water are dead waters because fish die in them, even though those waters have no impurities. Plants, also, cannot live on dead water. What causes the contradictory natures of essentially the same water is the amount of oxygen in the water. Water which contains the proper amount of oxygen is not harmful to fish and plants. Water which contains too little oxygen will kill those same fish and plants. When you put fish in water which has been boiled and cooled, the fish will die because boiling has removed the oxygen from the water.

How to Oxygenate Water
If you don't have a bubbling fountain, you can easily cause oxygen to dissolve in water by stirring it in a blender, or by shaking it fill a container about half full of water, put on a tight lid, and shake the container. This will properly saturate the water with oxygen to the right concentration.
One of the basic principles of homeopathy is that small quantities of medicines should be succussed; that is, medicines should be diluted and shaken. Homeopathic physicians observed, over the years, that this diluted and shaken medicine works better and they say this 'vitalizes' the drugs. I believe that the importance of shaking is to add beneficial oxygen to the mixture, as well as stirring up the contents.
I truly believe that before you drink water, you should shake it. If you do as I have described, your digestion as well as your general health will improve and you will be more resistant to diseases. You must not expect immediate results, but over the years it will benefit you. Many of the chemical processes which take place in the stomach and small intestine run more efficiently if there is enough oxygen present. Therefore, drinking living water also helps digestion.

Water Chunging
I recommend drinking six to ten eight-ounce cups of water per day for the average person, depending on their weight.
You must remember to balance the intake and output of water. Taking in too much water is as dangerous as dehydration. A person can become intoxicated by over-hydration. He will experience nausea, weakness, dizziness, trembling hands, cramping, and eventually would lose consciousness. You should not drink over twelve eight-ounce glasses (about 3000 cc) of water a day, except under special conditions.
One important rule of good health is "do not overdo," or "everything in moderation.". Even something known to be good for health can be dangerous if taken in too large quantities. Water, vital to life, can be harmful if consumed in excess.

Water and Aging
Doctors and researchers know that the main cause of aging is the accumulation of waste products in the body. The human body is composed of 100 trillion living cells. Each individual cell works and lives for you. To do this, each cell takes in nutrients, utilizes those nutrients, and discharges its waste products. Water then flushes the cells' waste products away.
The same is true of your whole body. You eat, digest, and wash away your excretions mainly with the help of water. When you wash your clothes, you fill your washer with water, not soft drinks, coffee, tea, or juice. Water is the only thing that can clean your clothes. The same mechanism applies to cleaning your body's cells. Only proper amounts of water can clean your body's cells.
I have encountered many people who take pride in saying, "I never sweat," or "I never drink water." I have observed that these people appear much older after the age of forty than people who sweat and drink water. By the age of fifty, many of them have become afflicted by arthritis or other 'incurable' diseases. Doctors can't completely cure these diseases because they don't yet know the causes.
When I meet people who are seventy-five and look twenty years younger, invariably I find that they sweat regularly and drink water. In my opinion drinking plenty of water prevents the buildup of toxic waste in the body, thus expelling the cause of many diseases. Drinking lots of water also slows down the set of symptoms which we generally refer to as aging.
The cause of Alzheimer's disease is unknown at present. Researchers are aware that the nerve cells of people affected by this disease contain large amounts of unusual waste chemicals which eventually destroy the nerve cells. Eventually the number of nerve cells in the brain becomes drastically reduced, which causes the diminished abilities of thought and speech.
The brain lives in a liquid environment. I believe that, since drinking water minimizes waste accumulation in the brain, it can also help prevent Alzheimer's disease and other brain abnormalities. I wonder how people expect to clean their brain cells without enough water.
The environmental liquid with which the brain is surrounded is called spinal fluid. One of the signs of a fractured skull is some of this clear liquid leaking out of the ears. A spinal tap is also used to draw a small amount of this vital fluid in order to test for some brain diseases such as spinal meningitis. I only mention these things here to reinforce how important I believe it is to keep your brain clean by a constant intake of the most vital of thing of all-water.
Drinking enough water is an every-day-of-your-life thing. It is the essential ingredient for making all the Chunging exercises work for you. And like the other exercises I recommend, it is never too late to start drinking the proper amount of water; at any age, your body will definitely benefit.
Author: Dr. Chung was educated in Korea, completing his M.D. in 1963 from the University of Korea. He came to the United States for further medical training in 1966. He is Board certified in Obstetrics and Gynecology since 1973. By that time, he had fallen in love with America, and he and his wife became citizens of the United States. He wants to contribute to the betterment of his beloved adopted country by teaching people to cleanse away the cause of disease to prevent and cure illness and to keep them functionally fit their whole lives.

the next post i will show you one of filter the can produce an living water....

pregnant problem??

out off topic..sometimes only :p
want to share with other..
find an great article..hope he or she (writer) wouldn't mind if i borrow it..

If you are struggling to get pregnant, progesterone infertility is likely part of the cause. Progesterone is an important hormone for a woman's reproductive system, and things do not work properly when it is in short supply. It serves a number of functions, including aiding in the preparation for ovulation and the much anticipated implanting of a fertilized egg. Even after conception a progesterone deficit can lead up to a miscarriage. For these reasons, it is crucial that the body contain the appropriate amount of progesterone at exactly the right time. When this doesn't happen, infertility due to insufficient progesterone is the result.

Keeping this in mind, it is worth the time to obtain a better understanding of this hormone and its effect on a woman's fertility. It is also worth looking at a few ways modern medicine now deals with low progesterone levels.

Progesterone is one of the most vital hormones in a woman's body. It is produced by egg follicles located in the ovaries shortly after ovulation. The menstrual cycle is regulated by the production of this substance. It also prepares the uterus for conception and causes the endometrial lining to thicken in anticipation of the soon-to-arrive egg. When enough is not produced, the proper thickening of the wall does not occur. This hormone also conveniently causes a woman's basal temperature to increase slightly during ovulation; which is a telltale sign ovulation is occurring.

In the event the egg is not fertilized, the source of progesterone disappears within several days. This drop in the hormone means the uterus will be unable to maintain its extra thickness. Soon after, the lining exits the body during the last phase of the menstrual cycle.

Low levels of progesterone can also result in a shortened "luteal phase." This is the portion of the cycle when ovulation occurs, as well as other things. This phase will typically last 10 to 16 days, although a woman will only be ripe for conception for the first couple days after ovulation. In the event of a shortened luteal phase, there will not be enough time for this choreography to run its natural course. As a result, there will be no pregnancy.<
In the event the egg is fertilized, progesterone levels continue to elevate, providing protection for the multiplying and rapidly growing human life. If the levels somehow drop too low during the pregnancy, miscarriage is a possibility. This hormone is actually quite the workhorse and performs other functions as well.

The description here is obviously an extreme simplification of a very complex process. Bottom line, progesterone is one of a few hormones that must be present at the right time and at the right levels for pregnancy. The good news is that it is possible to diagnose this type of infertility and it can often be corrected with the addition of a natural or synthetic boost of progesterone. In some cases, the problem may be caused by too much estrogen in the system. A fertility specialist will have to look at that problem.

Progesterone therapy has proven quite effective, with the treatment starting two or three days after ovulation. This timing is designed to prevent a quick dry up as a result of the lack of progesterone. Hormone therapy may involve progesterone in oral form, as an injection, or as a cream. It depends on how the specialist decides to handle it.

Studies have found hormone therapy can reach a success rate of over 70%, as long as the source of infertility has been determined. Those results are pretty encouraging. Of course there are some other causes for a shortened luteal phase, but progesterone infertility is still one of the more manageable infertility problems. Proper diagnosis and non-invasive treatment can help a patient conceive relatively quickly. Hopefully you will use this information to form helpful questions when you meet with your infertility specialist.

so to my friend,hope this will help you all..

online survey..legitimate @ scam ?

“Make $5 – $75 an hour doing surveys in the privacy of your own home!”
If you haven’t seen these ads online and if you haven’t received over a hundred similar emails, then you probably don’t own a computer.
For many, finding a a legitimate way to do make money online is a never ending quest. Promise after promise turns into scam after scam.
Yet, the search continues and the savvy internet marketers come up with new schemes almost daily that advertise “the possibility” of generous hourly wages in return for answering “a few simple questions”.
Is any of this even remotely possible? Yes and No.
There are opportunities to make money in exchange for filling out various types of surveys – but the legit offers are few and far between.
Can you make even close to $75 an hour? No. You can, however, make a few bucks if you’re willing to wait extraordinary lengths of time.
Online survey company can be categorized into different groups:-
• Those that pay you money in exchange for each survey you complete.
• Those that reward you with points that you can turn in for various prizes including cash redemptions, merchandise, gift cards, or even donations to charities.
• Those that offer you the chance to be entered into some weekly drawing for hundreds or thousands of dollars.
Rules of the Road
No matter how enticing an offer may sound, do not pay for the opportunity to take surveys! There are no secret sites, there is no secret stash of cash somewhere waiting for certain members to win. If you want to make money taking online surveys, every site out there can be found with a simple search for “online surveys”.
One of the biggest scams in the online survey industry involves making you think that as a paying member of some elite group of survey takers, you will have only the best and highest paying surveys sent to you. Don’t fall for that! The only people making a steady stream of income are the ones charging – and getting – annual membership dues from individuals who believe the promises of huge returns.
Before registering with any site, look for a phone number or at least a support email address. If these are not published on the site, don’t waste your time. If you ever have a problem with a payment or with a survey, you’ll never get any help.
Reality vs. Myth
Myth: What the scammers want you to believe is that you can take 10 or 20 surveys a day at $5 to $10 each and make yourself up to $200 a day on a regular basis. Sure, the math adds up but what they never tell you is you have to qualify for each survey! And that’s the catch – you don’t! The average person will qualify for only 1 out 5 surveys he receives each day, and almost all of those surveys will be in the $3 and under category. The scammers want you to believe that every survey that comes your way is cash in your pocket.
Reality: Surveys for Cash: Real surveys pay an average of $0 to $10 for a one time survey (keep in mind that the $10 ones are very rare). Most survey companies, including the most reputable companies online, don’t even pay real money until you gather a certain amount of points. Depending on how many surveys you are sent, and depending on how many you qualify for, will depend on how long it takes to build up sufficient points to “cash in”.
Others that offer cash for each survey probably won’t even pay you for quite a while. All too frequently you will see a disclaimer that states something to the effect that if you qualify for and finish the survey, you will see the money in your online account within six to eight weeks.
Once you do have the money deposited into your account, you most probably will have two options at this point. You might need to wait even longer to cash in because the site has a limit you must reach before claiming your money. For instance, some sites make you earn $30 before they give you anything. If you just qualified for a $2 survey, it could take months and months to make your $30.
Other sites promise to pay right away, but it still may very well take six to eight weeks to see your $2 in your account. If they allow you to cash in any amount at all, it could very well take an additional week or even a month to get your $2. Add that to the time you waited for it to end up in your account, and you’ll find it could take about three months to get your $2. This is certainly a far cry from the $75 an hour you were hoping for!
Still other sites promise you will be paid almost immediately, and you are. These surveys are usually in the .50 to $1.00 range and could take a considerable amount of your time to complete if you do qualify. If you have a PayPal account you could do a few of these a day and expect your few dollars to appear in your PayPal account within a few days.
Surveys for Points: As you register with point based online survey sites, the most important thing for you to consider is how many points do you need to earn before you can cash in for a prize AND how many points does each survey usually offer?
As you will learn, some sites require an enormous point balance before allowing you to exchange these points for a prize, yet they only reward you with a tiny amount of points for each survey – making it virtually impossible to ever get anything at all. To compound the issue these same sites offer some very low end prizes in exchange for your enormous point balance. One site in particular requires a whopping 20,000 points before enticing you with rewards such as a Styrofoam cup holder or an out of date pair of ear plugs for a Walkman.
Some sites that reward with points, however, are a pretty good deal if this is how you want to spend your time. If you can restrict yourself to doing surveys only with sites that offer points immediately, and the same sites offer decent rewards, you could possibly plan on earning $10 a week on a regular basis. Yes, it takes time and it takes effort, and it takes some luck. You need to have access to a good number of these surveys in order to qualify for enough to make your $10. These same sites also tend to pay fairly quickly.
Pros and Cons of Doing Online Surveys
Pros:
• You will make money and earn some decent rewards (Starbucks, Target, Home Depot, Blockbuster gift cards for instance).
• You do get to see information on new products before they come to market.
• The more surveys you do the better your chance of being invited to participate in higher paying online focus groups in the $5 0 – $75 range for about 90 minutes of your time. Rare, but very possible.
• If you are not looking to get rich and are simply looking for an interesting way to pass the time, these can be fun.
• You really are serving a purpose. Remember – it’s a two way street. You aren’t being paid for nothing. You are being paid to provide consumer input for a wide range of products and services from cars, to banks, to what a new hand lotion might be like.
• You might get to try products for free! Lotions, makeup, food, clothing – you name it. After passing a qualifying survey you are asked to evaluate the real thing. Just don’t forget to fill out the final survey form to get your reward on top of your free item.
Cons
• Decide if the time to do the survey and the reward offered is fair. Many surveys take 30, 40, 50+ minutes and you are only being compensated either a few dollars, or maybe even nothing. Is your time worth this effort?
• Yes, there are companies that don’t pay. Keep track of every survey you do, and when you expect to be paid.
• There are surveys that kick you out because you don’t qualify after you spent 10 – 15 minutes answering questions. This is a big time waster!
• Because of various problems technical issues, you may experience some sort of issue that prevents you from finishing the survey. Make certain you contact the support email or phone number to let them know what happened. Sometimes you can retake it. Most often, however, you’ll have to chock it up to a total loss.
• As we already know, it can months to get paid for a survey.
• Most survey companies force you to have a PayPal account, yet PayPal will take a portion of your reward for their cash handling fee. When you are earning only a few dollars at a time, these fees can hurt.
When is a Survey NOT a Survey?
Technically, a survey is simply a bunch of questions that need answers and opinions of consumers. That’s it. It is not an opportunity to buy a product or a service you may or may not have an interest in, in exchange for cash or points. However, many sites pass themselves off as paying survey sites by promoting products and services rather than asking questions.
Here are some samples of what is frequently passed off as a survey:-
• “Sign up for DirecTV and earn $12!”
• “Register for a free trial with CreditReports.com and earn $8!”
• “Earn 8,000 points when you take advantage of this free shipping offer from Avon. Good only on purchases of $50 or more.”
There is no benefit to you to participate in any of these promotions other than the prize they are offering. Do you really want to fight with DirecTV to cancel your subscription and only get $12 for your time?
If you’re looking for a way to wipe away a few hours, or if you’re really looking for a little extra income, online surveys can and will provide both. But just remember – this is not a way to pay the mortgage or put Junior through college.
You’ll be lucky to buy some groceries and maybe even get a few free lattes at Starbucks.
At the very least you will have a chance see new products ahead of anyone else, keep yourself busy, and have some fun!