As mention before Paypal allow to withdraw paypal to Malaysia bank, and found some people mention that the rate is lower, but without much proof.

Due to cash flow problem, I decide to cash out most of my paypal fund to my VISA card and also local bank. I have made a cash out of USD$500 to my VISA debit, and USD$500 to my bank account on last week 5th November 2009 night.

Just working 3 days later, and found my bank account with this detail:

Total RM1665.90 ($500) , as per promise during my cash out last week at conversion rate 3.3318

In another hand, in my VISA card detail show RM1665.04 ($495) , which conversion rate at 3.3637, faster 1 day compare to bank.

On this “experiment”, it shows that rate for cash out Paypal fund to Visa card higher then bank and due to the $5 transaction fees charges during cash out paypal at VISA card, the cash out money at VISA still slightly lower then bank.

As conclusion, cash out paypal to bank is the smarter choice, further more, another advantage for those who have a lot paypal fund to cash out every day. For VISA cash out method, only $500 maximum cash out per day, while bank, you can cash out more then $500.

Posted by calvyn | 7 Comments »

Recently quite a lot people talking about withdraw Paypal fund to Malaysia Local Bank, and some commented that the conversion rate will be slightly lower. I have made a cash out of USD$500 to my local bank account, and another USD500 to my public bank Visa Debit

Due to my plan for honda civic 2010 have expedite 2 month earlier, which is end of this month will arrive, I will face my own financial crisis at this moment I have to get enough cash as down payment for my new Japanese wife, plus some huge credit card bill from last month (expenses for budget langkawi trip), life insurance, and other bills all come at the same time, So no choice for the low conversion rate either.

How to withdraw paypal fund to Malaysia Local Bank
1st, you require to add bank,

You require to put your bank swift code, and also your name and bank account correctly. Surname and Name sequence does not matter, as long your full name is there. After fill up all, hit “Continue” (more…)

Posted by calvyn | 17 Comments »

This topic become more and more popular few month ago when Paypal announce that allow to withdraw fund to debit card. Here come my experience…

Experience 1
2 month ago, about the time to cash out my Paypal fund, around December 2007, paypal suddenly send an email for me mention that my Public Bank Debit Card has been expired. After few email chit chat with Paypal technical support, they are unable to solve my problem, the only solution Paypal give me is to add another card… I have no idea why, so I call to public bank and ask, as expected, they can’t answer my question, so I send an email to them. After a week, Public Bank call me and I again explain, they agree to give me a new card. Hoo…Ray…but need to wait a week time.

My 2 cent
May be when I add in my debit card 1 year ago, Dec 2006, I did not verify it. After 1 year, the PayPal’s system will remove it. So beware if you don’t verify your account, faster verify it before it is too late.

vs

Experience 2 (more…)

Posted by calvyn | 19 Comments »

Want to have a domain for your blog?

it less the 10USD, i have earn back my domain renewer fees. Do you want this 10USD to pay your domain. You can get it without spend a single cent

I have sign some money making program or affliate program such as Google Adsense, Text Link Ads(TLA), PayPerPost(PPP), NuffNang(Malaysia) and Advertlets(Malaysia) and so on, purpose is to get some extra money to pay my hosting,domain and internet service provider fees. So far i make some buck on Google Adsense, a review on Advertlets and earn MYR50 from it, but all this hot cash did not arrive my hand yet.

How i earn my first 10USD

I have sign up an website name Adbux quite some time, but i did not really use it, until i saw a post at forum about this Adbux, i started to click on 16th MAY and ask my friend to join too, the earning example will be :

You click 10 ads per day = $0.10!
10 referrals click 10 ads per day = $1.00!
Your weekly earnings = $7.70!
Your monthly earnings = $30.80!

With my friend support, just 6 friend,3 are very active and 3 are not very active, i manage to achieve USD10.02 at 10th JUNE. The payment can be done in paypal, i request the payment on 10th June and it need 3 days to process, status was Pending Audit (Click the link to see the screen shoot). Today i check on the website, the status was Payment Send (Click the link to see the screen shoot)

Imediate,i went to check paypal, i saw the payment, and i have accepted, that mean this is not spam, it really have pay out. You also can see my paypal history and overview (Click the link to see the screen shoot)

Yeah, i already earn my first 10USD online, that mean my domain name renew fees has been back.

So what you waiting for, just join Adbux now(aff). With my proft, you able to convince yourfriend and family to join, boost up your earning…

*Remember, if you really interested then only you join, don’t waste my refferal list (1 account can introduce 10 person only)

Posted by calvyn | 17 Comments »

vs

Credit card bring harm?
Credit card, see like very useful in the movie. Taking money out from pocket or wallet seen like out dated. According to the research, a lot of people now a days owing credit card, some of the country declare their resident owing credit until get sue by bank and bankrupt. Does credit card bring harm to us?… i don’t think so.

Pay Pal need Credit Card to verify
Last year, around end of October to the beginning of November, i purchase Pay Pal fund from a person at lowyat.net, his name is “LokGP”. This person is recommend by once of my class mate – CYC ; after few private message(PM) with LokGp on all the detail, the rate was 1:3.5 , i immediate bank in RM28 to his account, less then 2 days, he transfer Pay Pal fund USD8 for me…Damm, i cant accept the Pal Pal fund. Immediate I PM him and post my problem at forum, i found that to accept Pay Pal Fund, i must have a credit card to verify my Pay Pal account.

Public Bank’s Debit Card
After the research, i found that Debit card also can be use. so i went to apply a Debit card from Public bank, it took around 3 week time to process, i have to make a deposit of RM25 and cost me few buck of sampling  fees. It is more safety then Credit Card, why?… u can just make a deposit on any amount u want, if the card get use by other, the Maximum loss also the amount in the Card. that is the benefit of Debit Card, no future money in site. Some more have 0.5% of bonus for every ringgit you spend.

So apply once and enjoy feeling on Swapping Credit Card!!! hi hi… the feeling are nice, when i use it for my 1st purchase, feel like no need spend a single cent and able to get the stuff with just a swap. I think this feeling are killing a lot people, bring a lot debt to them.

Here is some information on Public Bank Debit Card Remember, don’nt simply spend money. “Rich come from think infinity instead of think twice before you spend a single cent”

Posted by calvyn | 2 Comments »