Dividends of Unit Trust/Mutual Funds

I receive my dividends from my investment in unit trust or some call it mutual funds few days ago. I was delighted and very happy that my investment in unit trust really bear fruit after one year. The dividends I get from the investment is not a big sum of money. It is roughly RM150.00 to RM180.00 of my investment RM2000.00. I have calculated the return of my investment is roughly 7.8% to 7.9% per year.
I am quite happy with the performance of the fund I invested because 7.8% to 7.9% per year is quite good. If I invest my money in the bank in fixed deposit, then I would only get around 3.5% per year. So, the investment in unit trust has doubled my interest per year.
Actually, I do not get the money of the dividends. The dividends are auto-reinvested to help me buy more units of the fund. So, I am now having more units at hand and I will get even more dividends at the end of this year.
Basically, unit trust is quite good as a long term investment vehicles because the reinvestment of dividends will increase the number of units you have over a long period of time.

Examples of Calculation: You bought Fund AAA with RM1000 at RM0.25 per unit. So, you now have 4000 units of Fund AAA at hand.
After a year of investment, the Fund AAA finally pay you dividends. Let say it pays RM200.00 as dividends which will be 20% per year.
The dividends will be reinvested automatically to help you buy more units. If the price per unit at that time is RM0.30, so reinvestment of RM200 of your dividend will help you buy 666.67 units.
After 1 year, your total number of units will be: 4666.67 units. What if you hold the Fund AAA for 10 years? How many units you will have and how much dividend per year you will have? Assume the Fund AAA is paying 10% dividends per year for 10 years.

Look at the table below:

Year	Units at hand	Dividends (RM)
1	4000	200
2	4666.666667	233.3333333
3	5444.444444	272.2222222
4	6351.851852	317.5925926
5	7410.493827	370.5246914
6	8645.576132	432.2788066
7	10086.50549	504.3252743
8	11767.58973	588.3794867
9	13728.85469	686.4427345
10	16016.99714	800.849857

After a period of 10 years, the number of units you have is more than 16,000 units and it is helping you to generate more than RM800.00 dividends at the 10th year. You can see that your investment is increasing fast every year and you do not need to manage it at all. If the price of the Fund AAA is RM1.00 per unit, you can sell all your units at hand and all those units will turn into cash of more than RM16,000.00. Your initial investment is only RM1000.00.
Bear in mind that this example is only an initial investment of RM1000.00. What if you are investing RM10,000, RM50,000 or RM100,000 and you are investing for even longer period of time? The answer is simple, if you start with RM10,000, you will have over 130,000 units. If the price of Fund AAA is RM1.00 at 10th year, you sell all your units and you will get RM130,000.
If you plan to start with RM100,000, you will end up having 1375173 units and if you sell all units at RM1.00, YOU ARE A MILLIONAIRE RM1,375,173.00 after 10 years.
Notice: Not all funds perform at such a great rate of return. You need to consult your financial consultant or unit trust manager for help and advice.
You can visit the Public Mutual website to have a look at the current funds price. The price per unit, the higher return.
I am going to save more money and play focus investment for my unit trust investment.

The Moral of the Story: It Is the Best to Start Investing Early!!!

2 Ways to Make Money From Your Photos

I have been searching for ways to make money from my photos and I come to 2 sites that offer such services. Those 2 sites are Share A Pic and Skill Fights. Both sites are free to join and they are great sites that offers photographers to make money when people view on their photos. In the later part of this post, I will share some information about Share A Pic and Skill Fights. Both of the sites uses different idea to pay members money.
Share A Pic:
Share A Pic is a site that allow members to join for free and share their pictures with anyone. As a member, you can share your pictures on your blog, friendster, facebook, xanga and so on and so forth. The more views generated on your pictures in Share A Pic, then you will earn more money.
I think that making money from Share A Pic is quite easy because it pays based on the number of views generated on your pictures. Basically, it pays $0.22 per 1000 views. The earning will increase even though you do not reach 1000 views for your photos, it is real time earning.
Skill Fights:
Skill Fights is a site where members can join for free and upload photos. When your photos get votes and comments, you will earn points. You can comments on other photos to earn points too. You upload more photos and you earn more points. You can also join in tournaments and earn more points when you win.
This site is quite fun and challenging because you can compete with other photographers and earn points. The more points you earn, the more money you can earn from Skill Fights. It is quite simple and easy idea.
Both of the sites offer members to refer new users and earn extra income. You will earn 10% of your referrals earning using Share A Pic while you earn 250 points ($0.25) per referral using Skill Fights.
If you would like to join, you can join using the links in this post to help me make some extra money too.
If you are an enthusiasts photographers, then these sites are great to make money from your great shots.

Investor VS Trader

Are you an investor or trader of stock market? Do you know what is the difference between investor and trader? If you do not know, then it is very important to read about it and make your choice either you choose to be investor or trader of stock market. I am an investor yet, I am half-trader. It means that I am investing into stocks of great companies but if I have the chance to sell to gain profit, then I will sell. I am still an investor at core because I like to invest for long term rather than trading stocks.
Who is Warren Buffett? Is he investor or trader? Who is George Soros? Is he investor od trader?

Investors: Investors are people who buy stocks and invest for long term. It means that investors seldom buy and sell. Most of the time, investors buy and hold, and let stocks appreciate in the long term.

Warren Buffett is one of the investors of stock market. He is the ultimate investors of stocks. He is called the Oracle of Omaha. I read a lot of books about him and his investment strategies. It really takes time and hardworking researches on companies. Warren /Buffett is currently the world's richest person with total net worth of $67 billion.

Traders: Traders are people who trade stocks. They buy low and sell high. They will sell once they earn their targeted profit. Most of the time, traders never even care about what is the companies behind the stocks they buy. All they want is to make money by buying at low price and then sell at high price.
Trading is an old concept and it has been around for centuries. Trading is like playing buying and selling. Trader A buy AAA products and then sell to Trader B who offers higher price for the AAA product.

George Soros is considered as trader or speculator. He is quite famous because he is good at speculating. Currently, his total net worth is $9 billion.
So, are you an investor or trader of stock market? You need to make this clear because it is the basic mindset before you put any money into the stock market. If you are not sure whether you are an investor or trader of stock market and you are currently investing in stock market, then most probably you are gambling in the stock market.
So, please make your mind clear and set your mindset because mindset is extremely important to be successful in stock market.

What is P/E Ratio and How to Calculate P/E Ratio

If you are an investor in the stock market, I am sure you will know what is P/E Ratio. If you do not know about it, then it would be quite dangerous to go into stock market. In my opinion, P/E Ratio is the most basic that all investor should know before investing in stock market. So, if you do not know or have less idea about P/E Ratio, this post might be helpful for you to learn some knowledge about stock market.
What is P/E Ratio:
P/E Ratio is Price per Earning Ratio. It is one of the important ratios in fundamental analysis. Some people denote Price per Earning ratio as P/E ratio, PE ratio or PER. So, do not get confuse if other people are using different notation for Price per Earning ratio. In this post, I will use P/E ratio and I hope you will not get confuse.
P/E Ratio gives us quite a lot of information when we are analyzing a stock. By referring to P/E ratio, we can know how many times we are paying for a stock.

The formula of P/E Ratio: P/E = Price of stock in market/earning per share
**Price of stock in market: Can be obtained in newspaper or trading platform.
**Earning per Share: Can be obtained in financial report of the company. Some trading platform offers this information.

For example:
A stock which is selling at $5.00 have earning per share of $0.50.
The calculation will be: P/E = $5/$0.5 = 10.
From the example above, we can see that the P/E ratio is 10. This means that the price of $5.00 is 10 times larger than the current earning power of the company.
Therefore, if the earning per share of the company remains unchanged every year, investor will need to wait 10 years to get the earning of the company equal the buying price. It is noted that the P/E ratio is rising according to the stock price.
For example: If company is earning $0.50 every year, it would take 10 years for investor to get their investment back.
So, a lot of people are looking for company with low P/E ratio because lower P/E ratio means we get our investment back in shorter period of time.

Different People Have Different Interpretation on P/E Ratio: Please look at the example below:
Company A: Price of stock = $8.00 & Earing per share = $2.00.
Company B: Price of stock = $10.00 & Earning per share = $1.50.
From the detail above, we can calculate that Company A has P/E ratio of 4 while Company B has P/E ratio of 6.67.
Some people will buy stock of Company A because they think that buying at $8.00 with earning per share of $2 and P/E ratio of 4 is a great deal because investor can get their investment back faster.
Some people will go for Company B because they think that high P/E ratio is better because usually large company have larger P/E ratio and can generate more attractive returns.

So, high or low P/E ratio? It depends on your investment risk. If you can take higher risk, then go for low P/E ratio of smaller company. Bear in mind that when market crash, smaller company will have higher risk of financial problem. So, if you don't like risk, the go for larger P/E ratio, those larger company. I don't like risk, so I go for large company with acceptable P/E ratio.
My Personal Use on P/E ratio:
I use P/E ratio in the reverse manner. You can see the formula is:
P/E = Price of stock in market/earning per share
I just rearrange the formula and get the formula below:
Price of stock in market = P/E ratio * Earning per share
I will go to get the latest information for P/E ratio and earning per share and put values in the formula above.
Normally, the latest information can be obtained from websites or platform. By using these details, I can predict the value of stock for tomorrow.
For example:
The new P/E ratio is 10 and earning per share is $1.00. So, I know that the stock price will be $10.00. So, if the stock price of the company I analyze is selling lower than $10.00, it would be a great time to buy.
Of course, I do not based solely on P/E ratio. I will check other ratios such as ROE, profit margin, Earning Per Share growth rate, debt to equity ratio, MACD, RSI, Bollinger bands and so on. I will discuss about them in the coming posts.

The Power of Compound Interest

Do you have money in your fixed deposit account? Do you realize that the interest you earn every year in the same but the money you earn from your money in fixed deposit is increasing and becoming more and more every year? That is the power of compound interest. The higher the interest rate, the more powerful the compounding. In addition, the more money you invest, the compounding will be more powerful too. So, it is up to you to find higher interest investment vehicles or get more money and invest.
How Your Money is Compounded:
For example, you invested $1000.00 in year 2000 and at interest rate of 3.5% per year. Your earning from interest will be like the table below:

No. of Years	Your Investments and Carry Over from Previous Years	Interest Rate per year	Your Investment at the end of the year
1	$1000.00	3.5%	$1035
2	$1035	3.5%	$1071.23
3	$1071.23	3.5%	$1108.72
4	$1108.72	3.5%	$1147.52
5	$1147.52	3.5%	$1187.69
6	$1187.69	3.5%	$1229.26
7	$1229.26	3.5%	$1272.28
8	$1272.28	3.5%	$1316.81

If you do not have compounding, then your earning from your investment will be much more lesser. Your earning will look like the table below:

No. of Years	Your Investments and Carry Over from Previous Years	Interest Rate per year	Your Investment at the end of the year
1	$1000.00	3.5%	$1035
2	$1035	3.5%	$1070
3	$1070	3.5%	$1105
4	$1105	3.5%	$1140
5	$1140	3.5%	$1175
6	$1175	3.5%	$1210
7	$1210	3.5%	$1245
8	$1245	3.5%	$1280

From the table above, you can see that you are actually earning lesser if no compounding is done to your investment. You might be saying that it is only a small difference. You might be right but if your investment is large value, for example $100,000.00, how much money will you lose if no compounding? That will be a lot right?
So, make use of compound interest to make your money grow faster. You can use the formula of Future Value to calculate compound interest and predict your investment in the future.

How to Make Pound Sterling From Your Blog

I am a member of a site called Matched.co.uk which pays members pound sterlings to place Ads that looks like AdSense Ads on their blog. I am having great experince from the site and I made £25.00 easily within 2 months of joining. Making pounds sterling from blog is much faster than making money from USD because pounds sterling is larger in value compared to USD. I am going to make more money by the end of this month and I hope it could keep on increasing to help me reach my $10,000 goal.
Joining Matched.co.uk is Free and it is now in promotion. All new members get Free £5.00 for joining. I think that Matched.co.uk is a great site to make money. The Ads are displayed based on monthly basis not based on click. This means that you do not need to get clicks on the Ads to get paid, all you need is to wait for advertisers and place Ads on your blog/site and get paid pound sterling every month.
The money making process is easier than ever. So, I am using Matched.co.uk and make money from it quite easily.
Sign Up Matched.co.uk Now and Get £5.00 Sign Up Bonus!

Withdrawing PayPal Funds

I have some money in my PayPal account and I have withdrawn my money in PayPal account few minutes ago. Now, all I need to do is to wait 5 to 7 business days to get the money deposited into my Public VISA Electron Debit Card. After receiving the money in my Public VISA Electron Debit Card, then I can go to local banks which support VISA card to get my money in cash. You could read about my articles on how to get an Public VISA Electron Debit Card and how to add the card to PayPal account.
I have some money in my PayPal account for quite a long time and today, I feel that it is time for me to with draw my money and get the real cash instead of looking at the numbers in my PayPal account. \
Look at the process to withdraw funds below:

1. Click on the withdraw funds tab and then you will see the page above.

2. After following some steps on the page, you will reach a page to notify your success to withdraw funds. Your funds will be placed in "Pending" transaction. Wait for 5 to 7 business day to get the money.
Stay tuned for my news about my first experience withdrawing my PayPal funds. In the mean time, you could read some of my posts I mentioned above.

How to Make Money From Forum

Calling all make extra money fans! Join me on myLot! Discuss make extra money topics and make a little money while you're at it.

I am trying my very best to make some money from a forum, MyLot. Making money is made easy by using MyLot. MyLot is a forum that members can join in discussions, start discussions and write comments in discussions. the best part of MyLot is that it pays members for active participation in the discussions such as starting discussions, responding to discussions and comments on responses. Can you find any forum that pay members to start discussions, respond to discussions and comments on responses? I don't think there will be another forum that pays members for participation.
MyLot is a unique forum. From the design of the main page of MyLot, it doesn't look like a forum at all but after joining Mylot, we will be able to access the discussions and discuss on any topic we like.
Mylot has more than 137,000 members and the number is increasing fast. A lot of people are using MyLot to extra income everyday just by participating in discussions and I am one of them. I have received payment 2 times from MyLot and it is truly great experience.
There is not limit how much money we can make from MyLot. The more active we are in discussions, the more money we will be able to make from MyLot. It is a simple idea, just treat MyLot as the place to chat and you can make money from it while you are chatting in MyLot.

How to Calculate Future Value of Your Investments

I am always calculating how much money I could make from my investments in the future. This is an important process for me because I can fast-forward into the future to understand more about my investment plan whether it is working to reach my goal or not. Calculating the future value is a simple task because the formula is very easy, short and you only need to press several buttons on the scientific calculator to do the trick.
It is simple to calculate future value of your current investment. In order to calculate future value, you will need a scientific calculator to do it. If you are using a normal calculator, then you will need a lot of time to calculate it. Anyway, you could use the "Future Value Calculator" I created using Microsoft Excel to do it.

The formula: Future Value = Present Value*[(1+Interest)^No. of Years]

For example:
You are putting $1000.00 in your Fixed Deposit account for 3.5% interest per year.
You can calculate the value after 1 year like calculation below:
Future Value = Present Value[(1+Interest)^No. of Years]
Future Value after 1 year = $1000.00*[(1+3.5%)^1] = 1000*1.035 = $1035.00
If you want to calculate the value after 10 years, ou will need scientific calculator or use the "Future Value Calculator" to do it.
Future Value After 10 years = 1000*[(1+3.5%)]^10 = $1410.60
According to calculations above, you can see that 3.5% annually can only help your investment turn into $1410.60 after 10 years.
So, if there are better investment vehicles such as mutual funds, insurance and so on which offers you higher annual interest. Then, why not go for it? Of course, do not invest in those high return investment vehicles blindly because you need to consider the risk involve in the investments.
Mutual Funds with 10% Interest or Dividends Annually:
Let say you found a great fund called AAA fund, it gives 10% dividends annually. You plan to invest $1000.00 and wait for 10 years.
After 10 years = 1000*[(1+10%)^10] = $2593.74
Your money turns into $2593.74 after 10 years and that is a lot more faster if compared to 3.5% interest of fixed deposit. What if you have $10,000.00 to invest? What will be the value after 10 years or maybe after you retire? Please try to do some calculations yourself and you will get the answer.
Anyway, before you make any changes to your investment plan please plan it carefully and consult your investment manager to get more ideas and opinions.

The AdSense Policies Easy as 1, 2, 3

Sometimes, we tend to forget the maximum number of AdSense Ads we could display on our blog. The Official AdSense Blog introduces Easy as 1,2,3 to help AdSense Publishers to remember the maximum number of AdSense Ads that AdSense Publishers can display on blog(s) and website(s). You can refer to the Official AdSense blog to read the post. If you would like to read what I have written, then you could read my full post.
Remembering AdSense Policies is hard because sometimes, it is quite confusing as AdSense Ads comes in different sizes and formats. AdSense Ads are available in video ads, AdSense for contents, AdSense for search and link units.
Since there are several formats available, we get confused and not sure how many ads we can place on our blog or site.
Easy 1,2,3:
ONE...
- video unit (currently only available in specific countries and languages, though we're working to expand video units to additional publishers soon)
TWO...
- AdSense for search boxes
THREE...
- 3 standard AdSense for content ad units, and - 3 link units
So, by using the Easy as 1,2,3 above, it is much more easier for us to remember the maximum number of AdSense Ads to place on our blog or site. Obeying the policies of AdSense is important because if we follow the policies strictly, our AdSense Account will be safe from being banned.
You wouldn't want your AdSense Account banned right?
Source of Easy 1,2,3: Official AdSense Blog

On the Quest of Saving [3182] GENTING

You might not know the meaning of [3182] GENTING in the title but I can say that some of you might know it. [3182] is the stock code of GENTING. This post will be about stock market investment. I invested in GENTING few months ago and I got 500 units of GENTING at RM6.25 per share. 500 units at RM6.25 is RM3125.00 in total which is not a large investment as it is my first step and my start in the Bursa Malaysia.
Now, the stock price of GENTING is at RM5.35 per share, which means I will lose approximately RM450.00 if I sell GENTING now. So, I plan to rescue my investment in GENTING by Cost Averaging.

Define Cost Average: Constantly buy in stock/mutual funds units at lower price to lower the cost per unit.

Power of Cost Averaging:
*1st Investment:
You bought AAA stock/mutual fund at: RM1.00
You bought a total of: 1000 units
You invested: 1000 units x RM1.00 = RM1000.00

*2nd Investment:
The price per unit is now at: RM0.50
You invested: RM1000.00 and Bought: 2000.00 units

You now have 3000 units at hand and invested RM2000.00.
Price per unit = RM2000/3000 units = RM0.6667 per unit.
The price per unit is now lower and when the price rise more than RM 0.6667 back to RM1.00, you could earn roughly 49.99%.
The Disadvantages:
You need to have extra money to use Cost Averaging techniques.
Now, I have prepared a sum of money to cost average the price of GENTING stock at hand. I am waiting for a chance and a golden opportunity to get GENTING at the price lower than RM5.00 per unit.
If price of stock of GENTING successfully reach RM5.00 or lower, then I will invest and wait for the price to rise to make money.

How to Calculate Amortize Loan

When it comes to investing in real estate or buying your first real estate, you will need to start playing with loan. Before taking up any loan, it is important for you to know some basic idea about loan and amortization. Of course, taking up loan is a must when we are going to invest in real estate. The best thing to do to start taking loan is to learn how to calculate it, how much you would be paying every month, how much money will you spend for the interest and how much money do you need to loan. This post will be on calculating amortize loan, I will discuss other how-to(s) I mentioned just now in the coming posts.

Definitions of Loan and Amortize: Loan: Borrower borrow money from the lender and agreed to pay back with addition of small sum of cost, which we called interest.
Amortize: Installment, to pay off slowly or gradually usually periodic payments of principal and interest.

Before you take up loan, you can use a formula to calculate how much money you need to pay if the bank charges you certain interest rate.
The formula is as below:

• PMT = Monthly Payment you need to pay
• i = Interest rate the bank charges
• n = 12 months x number of years

You will need a scientific calculator to calculate. Using the formula needs a lot of time in order to get the payment per month for the amortized loan.
If you are lazy, you could use the Amortized Loan Calculator to calculate the payment you need to pay each month.

How to Get More Relevant AdSense Ads

Getting more relevant AdSense Ads is vital to your AdSense earning. In order to get more relevant and precisely targeted AdSense Ads on your site, you need to do some codings in your posts. The coding will take effects after 7 days to 1 month. Then, AdSense Ads will appear properly and show relevant Ads on your site.
Adding AdSense Ads is a great way to make money online but adding AdSense Ads on your site that are irrelevant for your users will not help your AdSense earning at all. So, please take time to read and add the code stated below to help you to increase your AdSense earnings. The codings you need to add is the code below:

Your Post/Articles/Contents Here

Adding the code above is a consider a must for all AdSense Publishers. So, never leave out this step if you are serious to make money from Google AdSense.

How to Make [Real] Money using Facebook

Yesterday is a terrible day for me, I couldn't go online because the whole neighborhood including my house was blackout whole day. So, I can't update my blog. Luckily, today, the electric is back and I am able to online again. I visited Facebook and check some the current happenings of my friends. I came across a special application in Facebook that allow Facebook users to earn points, exchange points for money and exchange points for iPhones and some other products.

The special application is called UrTurn. You could get points by inviting friends to join, for each friend that join, you could get 10 points but we could only send 12 invitations which is quite a limitation. Anyway, I hope some of my friends can join and hopefully I could get my iPhone.
I think that it is quite fun and I hope to make some extra income using it. You can try to use UrTurn too. It is a good applications of Facebook. You can get your iPhone at Facebook too.

The Rule of 72 for Investing

The Rule of 72 is a rule to use to know how many years you need to double the money of your investment. This rule is quite useful because it can be use in both ways. You can use the Rule of 72 to know how much time you need to double your money and you could know how much interest you need to double your money within a period of time. The Rule of 72 is very useful and helpful for investment planning because it depends on how you apply the Rule of 72. You could use Rule of 72 in investment such as mutual funds, stock, bonds, real estate investment and business. You might be blurred and confused about the Rule of 72 if you read and stop reading here, so please read some of the examples below and I am sue you will understand the idea of Rule of 72 better.
Below will be the formula of Rule of 72 and some examples, I hope you could understand.

Formula of Rule of 72: #Interest rate needed = 72/Number of years
#Number of Years needed = 72/Interest rate

Rules of 72: Investment in Mutual Funds and Bonds:
If you are investing in mutual funds and bonds, let's say the dividend/interest rate is 10% annually. In order to know how many years you need to double your money using 10% dividends/interest rate, you could use Rule of 72 to calculate it.
Years needed to double your money = 72/10 = 7.2 years
If you are planning to invest 5 years but you do not know the interest rate, you could use Rule of 72 to find out the interest rate you need to double your money in 5 years.
Interest rate needed to double your money in 5 years = 72/5 = 14.4% per year.
So, seek the help of mutual funds managers or consult the person that promote the funds to you, ask him/her about performance of certain funds, if the return is 6% or more annually, then it would be a good investment to go for. You could try to get some track records of funds too to get more detail about the funds you are going to invest in.
Rules of 72: Stock Market Investment:
Investing in stock market is consider one of the best investment vehicles available. Often we hear people saying investing in stock market is dangerous and risky. That is because of not enough education and knowledge about stock market investment. If you have the knowledge and education, then it would not be risky at all.
When you invest your money in a stock, then you are eligible to earn the dividends and of course, take advantage of appreciation of price of the stock you buy. So, buying stocks is a 2 way road for you, you can earn dividends and earn appreciation of price. The case is also the same for mutual funds but it is much more slower.
Dividends of Stocks and Rule of 72: Assume you invest in PBBANK which is the stock of Public Bank. The annual dividend is constant which is let's say 20¢ to 90¢ per year. so, let's say it is 75¢ this year. So, if you are holding 1000 units of share(RM10 per share), then you will earn RM750 [1000 units x RM0.55] for the dividends which means 7.5% per year. Don't forget that the price of stock will appreciate, so you are actually making more money from your investment in stock market.
Rule of 72: Stock in vestment for 5 years:
Time it takes to double your money = 72/7.5 = 9.6 years.
Normally, if the price of stock appreciate, then you will need less time to double your money.
So, try to calculate before you make any investment. Plan properly before buying, try to find the best investment vehicles that can help you generate more interest/dividends to double your money faster.

5 Tips to Optimize AdSense for Search

Whether some of you have implemented the AdSense for Search on your site or you are on the verge to get started with AdSense for Search on your site, these 5 tips to optimize AdSense for Search on your site will give you some idea to make your AdSense for Search useful for your site user. Tips #1:
Place the AdSense for Search box at the visible places. You need to place the Adsense for Search box at easy to find location such as below your site's header, after your posts, at the sidebar, in the navigation bar and so on. You need to make sure that your search box are placed at the same location on all your pages because it will help your site users to find the search box and look for information easily.
Tips #2:
COnsider adding 2 search boxes on content rich pages. If you have pages that are having long post and require scrolling down a lot, then you could put 2 AdSense for Search on those pages. This will help your reader to easily find the search box and navigate your site. Tips #3
Host the AdSense for Search on your site. This means that you can create the result pages and ads on your site. The result page will have the same template as your site and if users can't find the thing in the search results, they can still navigate to other section of your site. Tips #4
You could add a search box within the result page that you host on your site. This will give an advantage when users are trying to search for other stuff. Users can use the search box on the result page to search easily. Tips #5
Customize the Ads placement on the result page. You could place the AdSense Ads on the top and right sidebar of the result page which will be great place to get more clicks and make more money.
That is all the 5 tips to optimize AdSense for Search on your site. I hope it will be useful and help you boost your AdSense earning.

Free Blogger Template Pinky Girl [XML]

I found that some of the blogger templates I created are not really suitable for girls' blog. So, I decided to create a girlish blogger template which I called it Pinky Girl Blogger template. The template is pink in color and I created the "Love" logo using Adobe Photoshop. I choose pink color because pink color is more suitable for girls. I hope girls will like this blogspot template.
Pinky Girl blogger template has 2 columns and the sidebar is at the left.
If you are new in changing blogger's template, you could read the "How to install new Blogger's Template" to learn how to install your favorite blogger template to your blog.


>>DOWNLOAD PINKY GIRL BLOGGER TEMPLATE<< Notice: Please "Right-click" and "Save Link As..." to download Misty Grass. This blogger templates are suitable for all blogs of blogger.com and the blogger template is in the xml format.

Draw Clouds and Sun using Photoshop

Drawing using computer is never an easy task and most of the time, we rather use paper and pencil to draw then using computer to draw. The Adobe Photoshop has made our life easier to draw using computer no matter your computer runs on Mac or Windows. In this post, I will teach you how to draw clouds and sun using photoshop.
Part 1: Clouds:


Click to see the picture in step-by-step 1. Start with "File">>"New">>Width: 1024px and Height: 768px.
2. Draw circles and make them overlap each others to form the shape of cloud. You can see the the cloud I created in the picture.
3. Now, hold "CTRL" and then use your mouse to select all the layers of circles like the picture above. After selecting, "Right Click">>"Merge Layers".
4. After merge, you will see all the layers are combined into 1 layer. Use the circle tool, "Right Click">>"Blending Options..."
5. In "Blending Options...", select "Gradient Overlay">>"Reverse". Click "OK". Make sure you select the "Black and White" gradient.
6. Now, you have completed the first cloud.



Click to see the picture in step-by-step 7. Right Click on the layer and click "Duplicate Layer". You have duplicated the cloud layer.
8. Use the "Move tool" to move the duplicated clouds so that you can see 2 clouds.
9. After moving the duplicated cloud layer, you will have 2 clouds on your workspace.

Part 2: The Sun:


Click to see the picture in step-by-step 1. Select the "Circle tool" again and change the fill color to "Yellow".
2. Draw the Sun using the "Circle tool" and you will have the picture above.
3. Move the layers of "Clouds" above the "Sun" layer. In my case, my "Clouds" layers are "Shape 12" and "Shape 12" copy while my "Sun" layer is "Shape 13". Yours might be different.

4. After moving the layers, you will have the picture above and congrats, you have completed the "Clouds and Sun" photoshop tutorial.

Free Blogger Template Gradient Blue [XML]

Here is another new template I have created and I give it a name, GradientBlue blogger template. The template is having 3 columns, 2 navigation bars and 3 columns footer. I find it hard to find a template with with gradient template especially in blue gradient. So, it inspire me to create a template using the gradient blue header. I am going to create different color gradient for the header and I hope this tempate can match the need of different bloggers. You can read about "How to install new Blogger's Templates" if you are not sure how to do it.
In order to use the navigation at the top-right of this template, you will need to "Add HTML/Javascript" and then use the code below:

• eBlog Entrepreneur
• Your Link #1
• Your Link #2

>>DOWNLOAD GRADIENT BLUE BLOGGER TEMPLATE<< Notice: Please "Right-click" and "Save Link As..." to download Misty Grass. This blogger templates are suitable for all blogs of blogger.com and the blogger template is in the xml format.

How to Add Related Post Widget to Your Blogger's Blog

I saw a lot of Wordpress blogs are having the related posts function after every post. I am curious why blogger does not provide such function for blogger's blog. So, I started searching the internet to search for answer. I found a lot of posts that teach bloggers how to add related post to their blog but a lot of them are not working until I found a blog which has a full functioning code to enable blogger's blogs to use the related post function.
In order to place use the related post function on blogger's blog, you need to make several changes to the HTML code of your blog.
1. Login to you blogger.com account and then go to "Edit HTML".
2. Check the "Expand Widget Templates".
3. You need to find the following code:

4. Copy all the code below and paste it after the code .

Related Posts

5. Finally, click "Save Template". That is it, your readers can now enjoy the newly added related post widget on your blog.

Free Blogger's Template: Carbon Fiber [xml]

Finally, after trying and working for 2 days on a new free blogger's templates, I have completed the Carbon Fiber.xml blog design. I hope you will like this template. What is so special about this design:
1. 3 columns blogger's template.
2. Carbon Fiber header design.
3. 2 navigation bar. (One is at the top-right and another one is the one below the carbon fiber header.)
4. 3 columns are integrated into the footer of this template.

In order to use the navigation at the top-right of this template, you will need to "Add HTML/Javascript" and then use the code below:

• eBlog Entrepreneur
• Your Link #1
• Your Link #2

Change the links into your own links. The maximum number of links allow at the top is 3 links but depends on the length of the link name. If you sue long name for the link, you could only use 2 links. "How to install new blogger's template on your blog?"
This template is free to all visitors and readers. You can download the template using the link below.


>>Download Carbon Fiber Blogger's Template<< Notice: Please "Right-click" and "Save Link As..." to download Carbon Fiber. This blogger templates are suitable for all blogs of blogger.com and the blogger template is in the xml format.
If you are looking for more blogger's templates, you could visit "Freebies" category for more freebies.