What Business Can You Start With RM1500 Or Less In Malaysia?

In this article, I will share with you what type of business you can start with RM1500 or less in Malaysia.

I will share my story starting the business with a small initial investment of less than RM1500 in March 2018.

After 2 years, I actually bought a new house with the income from my home based business.

What profitable business can you start with RM1500 or less in Malaysia?

The business is dropshipping but uses the network marketing business model.

To be honest, when I was first introduced to network marketing, I wasn’t very keen.

But I decided to give it a try anyway.

The reason I started a network marketing business is to build an income source for myself so that I can help to pay for our family expenses.

Previously, I was a Human Resource (HR) manager for an office supplies manufacturing company in Kuala Lumpur, Malaysia.

I resigned from my job back in 2010 when I got married.

After that, I had my first child and 2 years later, my second child.

I was a full time housewife for 6 years before I decided to get back into employment.

Back then, my husband was the only breadwinner and our family’s cashflow was very tight.

With only one source of income, we don’t have much left money wise at the end of every month.

I did try to find a job but after sending more than 90 resumes and going for 6 job interviews, no company wanted to hire me even thought I am highly qualified and experienced.

The reason the companies don’t want to hire me was due to my 6 years gap of not working when I was a full time housewife.

It was a disappointing and depressing experience for me.

Nonetheless, I had to find a solution to expand the income for our family.

That was when I started to look for business opportunities where I can operate from our rented house.


Why Real Estate SEO Is Different From Standard SEO

When it comes to real estate SEO, you might as well take everything that you’ve read about in those basic SEO guides and toss them right out the window.

Real estate SEO is a horse of a different color for many reasons, but for one in particular: whereas other websites can be optimized to bring in leads one time and then convert them into long-term clients, real estate SEO has to work over and over again, constantly bringing in new leads and converting them into new clients.


Because the average person doesn’t buy a house one day and then come back a week later to buy another!

What Makes It Unique

Sure, there is loyalty in the real estate game-when you get your clients a great deal and make everything run smoothly for them, chances are they will come back to you when they move again (or if you’re in the higher end of the market, buy a second or third home).

But let’s face facts here: that turnaround time isn’t something many real estate agents can bank on. Plus, since most agents only sell locally and most moves are made into a specific region or area, chances are that you won’t be getting a cut of your current client’s next move anyways.

That’s what makes real estate SEO so unique and vital to the industry. Without the proper techniques, you are waving an invisible, bait-less hook in a sea of fish that are being scooped up by your competition left and right-all of whom have fishing nets!

3 Things to Consider

Here are a few of the factors that complicate real estate SEO as compared to a wider-ranging business that can bank on global sales, customer loyalty and static products:

1. Local SEO is Everything for The Realtor.

While other SEO tactics can focus in on broader keywords that are related to the industry, this type of SEO has double the work. Not only do you have to rank for those standard keywords your leads will be looking for, but you also have to match for those keywords in the exact locations that you are selling or renting property.


Letters to Potential Clients From

Introducing yourself in person is pretty easy. You make eye contact, smile, and shake hands. You tell the other person your name, and he tells you his name. Pretty easy, right? But what if you need to introduce yourself and you can’t see the other person? One way you can tackle this problem is by writing a marketing letter.

Whether you are new to real estate or just new to the area, you’ll want to send out some letters and let everyone know you are in the area and ready to sell. You can also use marketing letters to entice people who had listings expire to relist with you.

You can trick people into opening your letter and not just tossing it straight into the recycling bin by using a key word. “Free”. As a late-night ad used to say, “Free is a very good price.” So let everyone know you have something free inside. It might be a fridge magnet, or a set of free energy-saving tips, or a pocket calendar.

Now that you have their attention, you need to give your reader an introduction to you. Tell her who you are, and why you are the home expert she should trust. Give some tips or useful information in your letter that will be of use to your reader. Perhaps this might be a fall-cleanup checklist or winter weatherization tips. If you are targeting an up and coming area, you might want to give a list of local merchants for people to get started frequenting.

If you get completely stuck and have the worst case of writer’s block, you can download free templates from the internet. They can be introduction letters, prospecting letters, expired listings letters, or new agent letters, just to name a few. These are useful to help you get started and trigger a thought trail. They’re also good if writing is not your strong suit, but you are great at the verbal deal. (Some of these sites offer templates to help you with your listings, too.)

Keep the letter simple. Overcomplicated or technical newsletters will just confuse your readers and make them toss it. That also means your name is not the one they will tuck in their dream home folder for when the time comes to buy.

It might seem obvious, but be sure you use a good spell checking program and a grammar checker if you are not strong in either. It only damages your reputation if you have errors that can be easily fixed by these programs.

Last, close with a call to action. It could be asking the reader to visit your website for more information or to subscribe to your newsletter or podcast. It might be a link to your Facebook page on which you have a coupon to a local merchant. Or you may have some DIY tips on your YouTube channel. Whatever it is, you want it to be a good reason to follow up, something that will be worth your reader’s time. And time these days is more valuable than ever.


If you are planning to participate

If you are to participate in the real estate market it is important to develop a marketing plan. Real estate is a very serious subject because investments that are made here involve large amounts of money. There is no room for games or inexperience! No learning on the job!

The first thing you should do is come up with an executive summary for your real estate business; defining the nature of it. Will it focus on residential properties or commercial properties or a combination of the two. Make notes of the milestones and achievements that other real estate agents have accomplished and take steps to do the same. A very important step – write a mission statement. An example could be; let’s say a gentleman in Bucks County, PA had a goal to be in the top 15% of real estate agents there. He can even take that a step further and aspire to increase the success rate of mortgage loan customers to 25% a couple of years down the road. This should be written down in the mission statement for clarity.

Another important thing to do is identify your team. Make a list of the names and roles in the company of each person on your team. Whether or not you are the only full-time member of your team, be sure to include any contractors and consultants you will be associating with; as well as all sales agents.

Do you already know of someone else in the real estate business? You can analyze aspects of their business you want to incorporate into your business. For instance; services, prices and fares offered. You should also take into consideration the types of customers your competitors target and their services. Make a list of each competitor and their business address. Doing these things will help you fill in the gaps in the marketplace left by your competitors and help you to add new benefits to the area. This should also help you find your own niche in the real estate marketplace in your area.

The next thing you should do in creating YOUR main marketing theme is – identify your customers. Describe your targeted market; include characteristics like: age, marital status, gender and income level. Identify such things as their homes and commercial properties, as well as rental or purchasing habits. Study aspects of their behavior like where they live, where they shop, where they eat and their social habits.

You might want to use local periodically issues advertising publications or various newspapers. Also available to you are things like: apartment or home-buying guides, or different Internet sites. You might even want to use direct-mail methods like creating a brochure or catalog. Whatever methods you decide to use, they will give you the necessary tools to have a very successful business.


Top 5 Ways To Improve

Starting wholesalers are often overwhelmed by the task of crafting an impact-full real estate marketing letter. Lacking experience, it is difficult to guess the impact the various content items might have on lead conversion. Adding to the challenge, there are countless sources for advice on marketing content and combining or sampling the recommendations yields a marketing piece that’s unnecessarily long, complex or ineffective.

Marketing materials are usually near the top in terms of the most costly business expenses. Given this fact, its clear that a bad run with poorly constructed marketing campaigns can be enough to sink a new business. Unfortunately, it is very difficult to isolate the root cause of lackluster direct mail marketing results. The investor may unknowingly blame the target market segment for the results and redeploy the same bad marketing to a new segment. Avoid the guesswork and these costly mistakes by implementing the 5 key principles explored in this article.

Personalize Your Letters

It is important to personalize each of your marketing mail pieces. Think about it, when you pick up your mail, you tend to sort through and discard any items that are clearly junk mail or mass mailers. The same fate awaits your marketing pieces if they fail to pass the junk mail smell test. To avoid the discard pile, and increase the odds that your marketing is viewed, use mail merge techniques to personalize each letter. It doesn’t need to be complicated or extensive to be effective. Many times, simply addressing the owners by name on the envelope and in the letter are enough for the recipient to realize the letter and enclosed offer are meant for them. It is also good to specifically mention the property that you are interested in within the letter.

Keep it Simple

Once opened, your marketing should be so clear and simple that your prospects are able to glean the benefits of your offer at a glance. If your lead is reading your marketing piece then congratulations you’ve made it past the first obstacle which is getting them to open the letter. It would be a real shame to lose that momentum with a complicated, hard to digest letter. If the benefits aren’t clear and it’s difficult to digest the letter will get tabled or worse, discarded.

Add a Call To Action

Effective marketing includes a call to action that compels the consumer, with easy to follow instructions, to do take action. Remember, that most recipients will dis-guard your letter as it doesn’t appeal to them in some way. A smaller portion will file your letter for reference when the time is right for them to take action. Others may set it down with good intentions to return to it but they never will. For that very reason effective calls to action often include a fear of loss that suggests the reader take action now or risk losing the promised benefit. Fear of loss is a powerful emotion that serve as the nudge to get them over the hump.

Multiple Contact Options

To improve the odds that your prospects will take that all important step to contact you it is helpful to provide several means to contact you. This will to cater to the many ways people prefer to interact including phone, email, social media, entering data online, and mail. The many contact mechanisms also allows them to choose the method that is most convenient to them which improves the odds that they’ll make the effort to contact you. As an example, an individual who works nights may need to sleep during the day and won’t be able to have a phone conversation when you would typically speak to your other clients. They may choose to contact you via email, which you can use to communicate asynchronously.


How to Take Care of Your Hair Styling Tools

Even if you have bought the most advanced and highest quality hair equipment and tools like Bonika shears or FHI irons, if you do not know how to take care of them, they will easily get worn out. Proper maintenance of your tools is the best way to ensure that your investments last a long time doing great service to you and your hair. Here is a rundown of helpful information on how to take care of basic hair tools.

Curling Irons

This type of hair equipment is most effective in giving volume and body to your hair, and gorgeous locks of curls as you desire. To ensure that your curling iron is well taken care of, be sure to clean it every after use.

Before you go on to clean it, unplug the appliance first and allow it to completely cool down. Using a slightly damp cloth, wipe the surface of the curling iron to remove any hairspray or hair product residue, which can eventually build up on the iron if neglected.

If there are stubborn residue that cannot be removed, apply a small amount of rubbing alcohol on your rug and then wipe it again. You can also use a cotton ball that has a nail polish remover that contains acetone for the same problem.

Blow Dryers

Just like with the curling iron, you need to clean your blow dryers regularly. Check the hair dryer for any lint, hair or debris build up. This is not only necessary for maintaining the blow dryer but also to ensure that your dryer does not become a potential fire hazard. Remove debris using tweezers or your fingertips. Do not forget to turn it off before doing so.

Hair Shears

Buying high quality shears like Bonika shears will ensure that you have a long lasting pair. Reduce wear and tear of your hair shears by cleaning your hair prior to use. The oil in your hair can affect the quality of your scissors.

Moreover, clean the shears every after use. Remove any hair, dirt, oil, or debris on the cutting blades. Once in a while, apply a few drops of scissors oil on the pivot screw to maintain the top shape of your scissors.

Store your shears securely in its original container or in a holster, pouch or box, which will keep its fine cutting ability. Tossing it into the drawer together with the other tools can deteriorate its quality.

Flat Irons

Always unplug the iron before attempting to clean it. Clean thoroughly the attachment plates after using the iron and after the iron has cooled down. Avoid using soap and water to clean your flat iron because this can be a fire hazard. Instead, make use of a damp or dry cloth to remove any residue from hair products.


Guide to Affordable Health Insurance in Massachusetts

If you are looking for affordable health insurance in Massachusetts, you are a few steps ahead of the game compared to other states. However, this does not mean that you shouldn’t take some time and make an effort to find further savings and get the best plan available for the lowest price possible.

Affordable Health Insurance in Massachusetts: Health Stats

Massachusetts is one of the healthiest states in the nation. For 2010, they ranked 3rdamong all states for overall health and finished first in several key indicators. This is good news for residents as it helps to control medical insurance rates. Massachusetts health care reform has increased the amount of residents with health care insurance to 97 percent of all residents. The reforms require most residents of Massachusetts 18 and older to obtain health insurance. If you do not purchase Massachusetts health insurance, and do not qualify for exemption, you may face tax penalties for the time in which you are uninsured.

Affordable Health Insurance in Massachusetts: Employee-Sponsored Coverage

Employers are required to make health insurance accessible to employees as long as they have 11 or more employees. Those employers with fewer than 11 employees are exempt from mandated accessibility, but still face some requirements. Employee-sponsored health care insurance is generally cheaper as employers are required to make a contribution to premiums for comprehensive coverage. However, you are not required to participate in your employers coverage offerings, you may seek health care coverage on your own or attempt to qualify for coverage through one of the public plans. If you refuse the employer-sponsored plan, and choose a private option, your employer is required to make a “fair and reasonable contribution” to your premiums.

Affordable Health Insurance in Massachusetts: Public Plans

The most notable public plans offered by the state include Commonwealth Care and Commonwealth Choice. Commonwealth Care is in place to offer comprehensive coverage for those meeting income and other eligibility requirements. Plans are available that offer partial to complete subsidization depending upon income as long as all other qualifications are met. Commonwealth Choice is a collection of approved plans that have survived a bidding war to offer affordable health insurance in Massachusetts to families, employers and individuals. To learn the specifics of these two programs, you should contact the Massachusetts Health Connector or visit their website.

Affordable Health Insurance in Massachusetts: Private Plans

The old-fashioned way of getting medical insurance on your own through a private medical insurance company is still alive and well in Massachusetts. If you wish to get coverage on your own, you are still among the majority. When seeking out private plans, you should still compare the reputations of prospective companies, quality of plans and overall cost. The best way to do this is to visit the websites of prospective companies and to learn about their philosophy and plans. You can then begin gathering rate quotes to find out which option is the most affordable for you.


What Is the Best Health Insurance Plan for Me?

With all the health insurance options available today it can be overwhelming when it comes to choosing which health plan is right for you. In most of of the states there are close to a dozen health insurance companies offering health insurance and all of them offer anywhere from ten to thirty health plans. That means that there are hundreds of health coverage options available to you. To know which is the right health insurance plan is right for you, we have to take a look at your current situation. To pick a best health coverage you have to consider your age, your health, your past use of health insurance, are you single or a family, do you have young kids, are you planing on having kids, are you a men or a women, do you have a doctor that you like to go to. All of that comes in to the effect when it comes to know which is the right health plan for you.

One of the main things to consider when it comes to choosing medical coverage is to know the difference in a health plan that covers maternity and the one that does not. That does not mean that you are planing or not planing on having kids. It means that health plans that cover maternity tend to cost more. That simply means why would you want to be on a plan that covers maternity if you are a single guy or some one that is not planing on having kids. Once you know that you want to health plans that does cover maternity then look for coverage that has a low deductible and within your budget. Not having adequate maternity coverage and planing on having kids can be very costly.

The second biggest difference in the knowing which health plan is right for you is your budget. It does not matter what health plan covers if you cannot afford it or will not be able to afford it in the near future. This is why give yourself breathing room when it comes to choosing a health plans. That means if you are on the budget choosing a plan with a higher deductible. Most of the health plans that are available today cover preventative care, doctor office visits and prescription drugs before the deductible is met. In most cases deductible applies for outpatient and inpatient procedures, like surgeries and serious illnesses, where you need to be hospitalized. Having a health plan with a high deductible offers you a low monthly premium and in case of emergency you are still covered. In case you do end up in the hospital that last thing that you and hospital is going to worry is your deductible. Once you are taken care of and back on your feet every hospital will work with you on the deductible. That would involve either waiving, discounting or allowing you to make payments to pay off your deductible. What you will find out is that hospitals are flexible when it comes to collecting their balances. The main priority is getting you taken care of and getting you back on track. That it infinitely more important to pick medical coverage that you can afford then it is to have a lower deductible.

Keeping your history of your health care use in your mind while comparing coverage also makes a big difference. If you are self-employed and like most self-employed people are you probably do not even have time to be sick. Therefore why pay high monthly premiums for health insurance because you wanted to low deductible or small co-pay just in case you need to go see a doctor. It does not make a lot of sense to be paying for somethings that you are barely going to use. Some plans offer you even lower monthly premium if you choose to pay for your regular doctor visits out of your own pocket. You are still going to be covered for any emergencies in the event you do end up in the hospital. Paying for what you are going to use is the basic money management. Every medical plan covers for inpatient/outpatient hospitalization and all other benefits are like add ones at the higher premium. The two things to always keep in mind while comparing plans is your past usage and your budget. We all would like to health plan that would covers everything with a l


Insurance And Health Care Quality Are Under Scrutiny

When it comes to shortening life spans and allowing premature deaths, Texas represents the national example of what not to do. Although millions are barred from Medicaid, Texas planners are not working to cover more people. More than one-fourths of the state’s population has no Texas health insurance coverage.

Texas continues to neglect higher numbers of uninsured residents than other states. It ranks 44th out of 50 states for health care spending per person, 49th for per capita Medicaid spending and dead last at 50th for mental health spending. Only the residents of two states (Mississippi and New Mexico) are less likely to get health insurance through employment than Texans are. It’s estimated that only 44 percent of Texans have access to coverage through an employer, which typically makes Texas health insurance plans more affordable.

Gaps In Health Insurance For Texas Correlate With High Death Rates

Texas may have a younger population than many states, but it still has more trouble with obesity and more people dying from diabetes and heart disease than some other states. At the other end of the spectrum (and the nation), only 10 percent of the people in Vermont need health insurance. With fewer insurance companies and major medical centers to confront, this little state has big ambitions. Even though Vermont’s residents fare better than Texans, leaders in Vermont have proposed one of the most comprehensive attempts to provide health care in the country.

Vermont Governor Peter Shumlin says that health care is a right and we should stop treating it as a privilege for accumulating wealth. He maintains that access to medical treatment should not be restricted based on your age, your employment or your health.

Speaking out on National Public Radio, Shumlin responded to critics who claim that providing health care can’t be done and has never been done with a reality check. “And I say, now, wait a minute, slow down. It’s actually being done by everybody else in the developed world except for us. And I see this as an economic development issue,” he counters.

The governor is promoting an idea beyond federal health care reform that even exceeds what Massachusetts has accomplished. He sees a universal, single-payer system to protect all residents that might be funded through a payroll levy on employers and employees. To that end, bills have passed both state houses and Shumlin expects to sign such legislation into law by 2014.

Shumlin believes that by breaking the link between employment and health insurance, they can ultimately create more jobs. Plus, Shumlin hopes a single-payer system can save Vermont and providers about 10 percent in administrative costs.

Expanding Health Insurance For Texas Is Not The Only Way To Improve Care

Health and Human Services Secretary Kathleen Sebelius shares Shumlin’s vision. She says, “Everybody in America should have better health care and better costs.” Moving from expanding health insurance coverage access, Sebelius is now focusing on improving the quality of health care that’s available. Her goal is to cut down on preventable injuries in hospitals by 40 percent. She also hopes to reduce the need for people to return to the hospital after being released by 20 percent in three years. The benefit goes beyond patient needs.

Sebelius estimates that such health care improvements could save Medicare about $50 billion over a decade. It’s easy to see how lowering spending on health care can translate into more coverage for more people. Sebelius reminds us that the number of people who “die from harm in hospitals is more than the number of people who die annually as a result of AIDS, breast cancer and car accidents combined.”

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New Online Florida Health Insurance Option Moves Closer

Last 2008, due to the rising cost of FL health insurance, lawmakers approved a Florida Health Choices program to give small businesses more options to help them cover employees with a health plan. This program is expected to create an online health insurance marketplace where people can instantly shop for different Florida health insurance plans. After three years of lengthy delays, it appears that the program will finally come to fruition thanks, in part, to a boost from Gov. Rick Scott.

When Will This Online Florida Health Insurance Exchange Be Ready?

Gov. Scott has already signed two bills, HB 1473 and HB 1125, which will help with the implementation of the program. According to Chief Executive Officer Rose Naff, the Florida Health Choices program might be ready this summer, but a specific start date still isn’t known.

HB 1473 will provide public-records exemptions, which Naff says is important to protect consumers’ confidential information. HB 1125 is necessary to give large employers a chance to participate in the program by eliminating the restriction that Florida Health Choices can only be used by small businesses with 50 or fewer employees. Naff added that large employers will still need to get approval from the Florida Health Choices board of directors to participate because he says, “Our target is still going to be businesses at 50 and smaller.”

Online Florida Health Insurance Market Generates Pro And Con Opinions

There is still a lot of apprehension and skepticism about the new program. U.S. Sen. Marco Rubio says the basic idea of having this online market for FL health insurance is to make shopping for various types of Florida health coverage easier to navigate than the traditional system has been.

Businesses that sign up for the program are expected to have a broader range of choice under the online marketplace than was previously available. Initially, coverage options will only be provided by established insurance companies. In the long run, the program is also expected to allow hospitals and clinics to sell specific types of services through the online marketplace.

Laura Goodhue, the executive director of Florida CHAIN, is apprehensive about Florida Health Choices. Goodhue says, “We see it as a hodgepodge of inadequate, not-even health coverage.” She added that implementing Florida Health Choices when the state health insurance exchange is coming in 2014 doesn’t make much sense. The state-based insurance exchange of 2014 will have stricter coverage requirements based on the federal mandate than Florida Health Choices has, so employees may be better served by the 2014 exchange.

What Can Consumers Do To Find Affordable FL Health Insurance Plans Now?

Neither of these options are yet available, but Florida has many residents in desperate need of Florida health insurance. One of the things that may hinder many people from getting much-needed coverage is simply not knowing how to find the most affordable coverage options. With hundreds of choices from different insurance companies, it’s hard to compare plans until you understand that there are different categories of plans.

The different categories include co-pay plans that have a $25 or $35 out-of-pocket cost to see a doctor or fill a prescription and deductible plans that only pay claims for recommended preventive care until you have spent a pre-determined amount on health care each year. Other options include Health Savings Account Plans and Medigap Insurance.

Each form of FL health insurance has certain advantages and disadvantages, but if low premiums are your priority, explore the high-deductible plans that allow you to open a Health Savings Account (HSA). When you choose certain high-deductible plans, you can open a tax-free savings or investment account and to boost your savings in case you need to pay for health care before the plan’s deductible is met.

Another way to keep your premiums low is just by taking good care of your health. Not only does that typically mean low premiums, but you also won’t be plagued by coverage exclusions for a pre-existing condition, much less have to appeal when your application is declined.