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.

How-to: 5 Less Known Tips to Increase AdSense Earnings

When we start to place AdSense Ads on our site, we are starting to try to make money from our site. The start is often the hardest time and making money from Google AdSense requires some tips and tricks to help you success in AdSense. I have 5 tips to share. I am sure it will be a lot different from those tips your read from internet. These 5 tips are less known by AdSense Publishers.
The 5 tips I am going to share in the later part of this post will be some tips from profesional AdSense Pubishers. So, I am sure it will work like wonder and help you make money faster from Google AdSense.
Less Known AdSense Tips #1:
AdSense Policies doesn't allow us to place images next to(up, down, left and right) AdSense Ads. One of the way we could make this possible is to add "Image Only" AdSense Ads next to your "Text Only" AdSense Ads. You could use image banners from other affiliate sites next to AdSense Ads too.
You could easily improve the click through rate of your AdSense Ads and of course make more money.
Less Known AdSense Tips #2:
More white space around the AdSense Ads is helping the AdSense Ads performing much more better. A lot of Pro-AdSense Publishers are having a wide white space around AdSense Ads. This is mainly because white space can help to make AdSense Ads more appealing and get more clicks.
Less Known AdSense Tips #3:
AdSense Publishers prefer using "Text Only" AdSense Ads on their site and totally neglect and forgot about Image AdSense Ads. A lot of internet users are already blinded by "Text Only" AdSense Ads and no one will click on "Text Only" AdSense Ads at all.
So, why not give Image AdSense Ads a chance to perform on your site? I am sure you can get some clicks from users. Text Only AdSense VS Image Only AdSense.
Less Known AdSense Tips #4:
Changing and testing AdSense Ads on your site is task that you need to try out yourself. You will need to find the best performing AdSense Ads on your site. You need to know that another sites are successful with the AdSense Ads format and placement on their sites do not mean that the same Ads format and placement will work on your site. Do not place AdSense Ads like this.
Less Known AdSense Tips #5:
"Less is More!". Using less AdSense Ads unit on your site will result in the best earning per click. The more AdSense Ads on your site will result in more lower bid advertisements to appear in those AdSense Ads units. Thus, you will make less money. So, try to use less AdSense Unit on your site, in return, you will make more from Google AdSense.
That is all the 5 Less Know AdSense tips. The most important thing to make the most money from Google AdSense is to get a lot of targeted traffic to your site, without traffic, these 5 tips will not work their best.

Less AdSense Ads, More Money

I am struggling to get more readers and traffic to my blog. Of course, getting traffic is a tough game for blogging but when traffic start coming it will continue to come without stopping. I am going to share some of the results of my testing of AdSense placements and AdSense Formats on my blog. I found a great way to increase AdSense earning from my blog. "Less AdSense Ads, Same Amount of Traffic, Make More Money."

Blog Success = Great load of Traffic + Good and Proper Monetization Techniques + Good User Experience + Provide Good Contents

In order to success to make money using your blog, a great load of traffic is really needed and traffic to your blog is the key to your blog success. You need to use proper monetization techniques to monetize your blog. So, reduce the number of AdSense Ads on your blog, it will help you make more money.
In addition, you will need to give your blog users great user experience whilc they are reading your blog. This will keep them coming back to your blog for more information. SO, provide great contents to your users everytime you write a new post.
As a result of "Less is More" concept, I remove some AdSense Ads from my blog and added an AdSense ads on the first page of my blog. I am going to try out the new placements for another 1 week time. I hope to see great improvements soon.

eBlog Entrepreneur: Free Blogger's Template [Misty Grass.xml]

I will be giving away freebies on my blog. Some of the freebies are money prizes, free e-books, free icons, free logos and free blogger templates. I am going to create all of these free stuff myself and I am sure that you can only get it on my blog unless there are other blogs linking my blog. Today, the first freebie will be free blogger template which I have created using about 1 day. I hope you will like it.
You could see the design of blogger template I created at the picture below. If you like it, you could download it using the link and follow the step-by-step instruction to install new blogger's template to your blog.


>>Download Misty Grass<< 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 Install Blogger Templates

There are a lot of nice looking blogger's templates available on the internet. I am always searching for blogger's templates and I am building a list of great blogger's templates to help me find templates easily. If you would like to look at some of the great templates I collected over the internet, you can visit "Blogger's Templates" at the navigation bar of my blog. You might come across a great template and you like that template very much. The problem is "How to install the blogger's template to your blog?". This post will guide you step-by-step to help you change your template easily.
Several Precautions before Making Changes to Your Templates:
1. Back up your templates before changing.
2. Copy important stuff at your sidebar before you make changes to your template.
You can copy and paste those stuff(codes)at your blog's sidebar in notepad for safety purpose because sometimes, changing template will cause deletion of widget at the blog's sidebar.
Step-by-Step Guide to Install New Blogger's Template to Your Blog:

1. Login to your blogger.com account and then "Layout">>"Edit HTML".
2. Click and tick the "Expand Widget Templates".

3. Then, click on "Browse" to choose the Blogger's Template XML file from your computer and click "Upload".
Notice: Sometimes, a warning message will appear to tell you that some widgets will be deleted, click on "Confirm and Save".Make sure you follow the steps in PRECAUTIONS before you confirm and save.
4. Now, you can click on "PREVIEW" to view the changes or "SAVE TEMPLATE" to save the new template on your blog.

Congratulation, you have completed the process to change your blog's template.

How to Make Money From Your Photos

I know that a lot of internet users like us are using sites like Facebook, Friendster, MySpace, PhotoBucket and so on to upload photos and share our daily life with friends. Some of you might be having thousands of photos on those site. Personally, I have only around 100 photos photos those sites. We can make money from our photos. There are some sites that offers photo storage services and those sites are paying members to upload photos.
Making Money For Uploading Your Photos:

• ShutterStock.com
• DreamsTime.com
• Ziddu.com
• ShareaPic.net
• Fotolia.com
• iStockPhoto
• BigStockPhoto.com

There are plenty more sites to make money using your photos.
What I think and What You think:
Yeah right, I don't have good cameras and I don't have skills, I will not make money from those sites.
I am on the way to try out this new method to make money. I hope it will work and help me make money.

Image AdSense Ads VS Text only AdSense Ads

I am constantly seeking more and more ideas about Google AdSense and I am having some testing on the effectiveness of AdSense Ads on my blog. Now, I am testing AdSense Image Ads and AdSense Text Only Ads. I want to see the performance and effectiveness to make money on my blog by comparing performance of both of the different AdSense Ads formats. What is the good and bad things about Text Only AdSense Ads? What is the good and bad Image Adsense Ads? I am making a comparison between both of the Ads formats.
AdSense Image Ads:
It makes your blog looks more beautiful and more attractive. If you are lucky and have enough traffic to your blog, you will be getting a lot of clicks and make a lot of money from your blog.
If you do not believe this, you could have a look at some of the high traffic sites like Friendster, Neopets, Gaiaonline.com and so on. You could see that they are using Image AdSense Ads on their sites and they are making thousands and thousands of dollars from their sites.
At some points, Image AdSense Ads are getting more clicks and make more money than normal Text Only AdSense Ads.
Text Only AdSense Ads:
Text Only AdSense Ads are used by millions of websites and you can see them on millions of blogs. People are slowly and gradually become blind to the Text Only AdSense Ads.
Bloggers and webmasters are trying to use a lot of tricks to get their AdSense Ads clicked by visitors on their sites. They are always changing the color palettes, changing placements and so on.
They are some great sites and blogs are making money using Text Only Ads. You could see a great example of AdSense Pro Earner at ShowMoney.com. of course, you will need to do a lot of optimizations for the Text Only AdSense Ads to make a lot of money.
So, which formats are great and gets the most clicks and make the most money for AdSense Publishers? The answer will be revealed after the test done on my blog.
So, stay tuned for the performance results of Image and Text Only Google AdSense Ads on eBlog Entrepreneur.

How to Create a Glossy Button using PhotoShop

Today, I am playing with Adobe PhotoShop again. I spend my time trying to figure out how to create a glossy button using photoshop. After testing here and there, I manage to create a simple glossy button within half an hour but the time to create this post is 3 hours. It is quite simple to create a glossy button but the steps are quite long to do it. You could read more about how I create the glossy button in the later part of this post and I will guide you step-by-step to create your own glossy button too.
How to create glossy button Step-by-Step Guide:
Step 1:

Open your Adobe Photoshop and then click on “File”>>“New”. Create a width 400 pixels and height 400 pixels workspace.
Step 2:

Create a new “Layer”.
Step 3:

Select the Rounded Rectangle Tool and draw your button on the workspace.
Step 4:

After drawing your button, right click on your button and choose the “Blending Options…”.
Step 5:
Step 5 is the most important and the longest step, so please be very careful to follow properly.

i) Select the “Drop Shadow” and make the adjustments like the picture below.

• Opacity: 35%
• Distance: 0px
• Spread: 0%
• Size: 7px

ii) Select “Inner Shadow” and make changes according to the picture below.

• Opacity: 20%
• Distance: 0px
• Choke: 0%
• Size: 85px

iii) Select “Bevel and Emboss”. Then, make changes according to the picture below.

• Depth: 100%
• Size: 0px
• Soften: 0px

iv) Now, select the “Gradient Overlay” to make changes to gradient and colors.

Change the colors to:

• #000099 at 0%
• #6666ff at 100%

Step 6:

Your button now will look quite nice in gradient blue. Now use your mouse pointer to point at the “Shape1”. Hold “Ctrl” and “Left Click” to select the shape. Your shape will now look like below.
Step 7:
Create a new layer again.

Now, select the Rectangular Marquee Tool.

Then, use the marquee tool to draw on the workspace like the picture above.


Select the paint bucket tool and make sure the color is white #ffffff. Look at the picture above.

Fill the selected area with the white color. Then, change the opacity to 15%. Your button should look glossy now.
Step 8:

Now, create a new layer for the words in the button.


Select the “Text” tool then draw on the workspace to type your text for the button. Move the text and place it at the proper place within the button

Congratulation, you have created a glossy button of your own using Adobe Photoshop.