Beginner's Guide

Hello guys and welcome to my blog.

My name is Sylvin and here i will teach you how to invest and make money properly.
The goal from my blog will be "How You Can Earn Money Only by Sit And Click."

So, you only need to think smart, invest smartly and you did not need to work too much!
You might be doing this only from home as well! Sitting lazily and make money, do you wish for it?

First of all, i'm giving 3 options for the investments as well:
  1. Pay to Click (PTC) / Pay Per Click
  2. Forex Trading
  3. Government Bonds
  4. Make money from a hole in system from banks
If you did not have any money, then i recommend you to go to this page and try to get some free forex bonus in order to trade forex. Pay to click earning is simply too small to begin with and it will not worth of your own time. As for Government Bonds, you will need a large sum of money to begin this one but it will worth of it.

So, now let's start!

Pay To Click

Pay to click is a business where an advertiser will pay to a PTC Site and have their ads being viewed by members. You can earn money by viewing the ads and get extra money by referring members as well. As long the members you referred to the PTC site view the ads, you can earn money from it and if they are not seeing anything then you will not earn anything.


First of all, it seems like that this is an easy job isn't it? You did not need to do much and simply watch an ads only. Well, that is correct and you might not even need to put an effort into it! But unfortunately, most of the payments are very small. If you found some high paying PTC website then you need to start to doubt it! Most of them will not pay anything at all and you can't make money from it!
PTC websites usually pays around $0,001 per ads to $0,02 per ads just like this...


Most websites will need you to upgrade your membership before you can raise your earning per ads from $0,001 to higher. (Some might only have 4 ads daily)

"Hey bro, at least i can still make money from here!"
Well, yes! But there are a lot of scam PTCs out there as well! They will put crazy terms just like the minimum cashout needs to be around $100 or you need to be over 100 years old to get paid. Not only that, some might run away and close their business before you got paid!

"So is it a time wasting only bro?"
Hum... not really, you need to check out their terms and how sustainable they are.

So lemme conclude the situation for now after 7 years of PTC experience:
1. Check the forum especially payment proof and their FAQ. As for payment proof, becareful since some websites still show fake payment proofs.
2. Watch their payment processors and their histories. It will be great if they have paypal but most PTC bankrupt because they are being limited by paypal. It will be safe if they have no problem in their paypal at least for 5 years.
3. Analyze whether their business is doing well or not. If the ads are being self advertised by the admin then most likely they will go scam at any moment. They need advertisers in order to stay alive and that will not be easy at all. If they have some other business with miniworks with some other websites then it will be better. As for the example : doing tasks at Crowdflower
4. Try to spy the income resource from the admin. As for this one, you need to do some check up throughly. Some admin try to use the money they earn from their websites and invest on some another websites while they are banning members when they try to cashout their money. Try to avoid this kind of websites since they can't stand on their own from this business.

"Ok, so i need to properly choose a good PTC to start with but what about the earnings?"
If you have money to invest, it will be good. Most PTC websites will make a system where you can rent referrals that did not have upline or they are actually renting bots. You can earn a good ammount of money as long you rent quite a lot of referrals and upgrade your membership. Each PTC websites will got their own unique point and you need to research it. For an example, here take a look at my earnings...


Not quite bad huh?
If you are doing tasks then the income might be decent only but it's not very great as well.
"How much money do i need to invest in here for upgrading and investing?"
OK, i will cover that on other page since each PTC websites will have different calculation and terms. But remember that THIS IS A HIGH RISK INVESTMENT and try to invest when you have thought calmly and understand the risk.
All i can say.. "If you want to invest in a PTC, better try one that has been paying at least for 5 years and sustainable or you might want to invest in a new PTC before they scams." "99% PTCs scams after a certain period so if you're thinking to invest a long term, better find a sustainable one and fulfill my requirements first."

Forex Trading

Forex Trading is a very high risk business and you might double your own money or loss everything in a few seconds. Try to take a look at this picture...


Now, is this business worth of your time? VERY! And you can get rich faster from here comparing with any other business (as long you are good on it). First of all, it will be better if you have the money to invest in here and trade with it but as for traders that did not want to risk their own money first but still want to make money while trading, try some no deposit bonus from here..

Forex trading themselves is a simple business where you only need to buy or sell a currency pair. Just try to make a new order and you can make money if the pair you are buying going up or the pair you are selling going down. You can decide how much money you are willing to make by closing the trading position on your own.

For example:
You trade EUR/USD pair and decided to buy 0,01 lot at 1.31000 and close the position at 1.32000
Your profit will be 1000 points* 0,01 = $10 for 5 digit account or 100 points*0,01=$1 for 4 digit account.
Remember that 1000 points = 100 pips since you will be hearing "pips" more than hearing points in here.
If you increase the lot then certainly your chance to make money will be higher but remember your losing chance will be higher as well. 

"Hey, this business is Very Good!" "I am the Boss here!"
Yes! You are the boss, but you need to be responsible for your own loss in here as well! Don't blame any other people if you loss the money in here and grow up!

The steps you need to do when you want to start this business:
1. Pick a good broker. You will need to do your own research whether they are paying or not and check their customers whether they are complaining or not. There are a lot of complaints out there and you can try to check forexpeacearmy as the example.
2. Don't gamble. Many traders will wish to make money easier and faster but this will only make you bankrupt faster. If you are trading with your own feeling then that is gambling as well.
3. Learn to make your own rule, system and your own analysis. Trading will involve emotions quite a lot, and there are many traders will try to close a losing position faster just because they fear. Actually, this is a normal thing since volatility tend to happen when we trade. It might just because we are not making a good risk management, we still haven't polished our own rules or it is just because our own analysis still bad.

There are 2 kind of analysis most traders are using. One is called technical analysis and the other one is fundamental analysis. Technical trading usually make their own target and prediction based on chart patterns and fundamental goes with economic condition and news.

"So what do i need to choose over here?" "I don't know which kind of analysis will be better!"
For beginners, you need to know technical analysis first. Why? Because you will know where technical trader wants to make an entry and invest. But in the very end, you will use fundamental analysis combined with technical analysis for perfection.

If you choose technical analysis alone, then that is very crazy. I already got 5 years of forex trading experience and earn money more than 100 times from my initial investment already. I can say that as long you use technical analysis, you will only fail and fail.
First of all, while sometimes you might want to trade easier and earn, you need to know that technical analysis might even told you to buy when a country's economy collapse. When there are bankrupts everywhere and crisis is becoming worser and worser, a technical trader will scream buy low and the price never climbs up. At the very end, they lost everything because they only want to buy from lower price based on pattern and technicals while they did not understand a single thing of reason why the pair did not went up back anymore.
The good side of learning technical trading, you will know where a certain price will become sensitive since many technical traders will make an entry. Somehow, that will help you ride the train and you can earn better money as long you can combine them with fundamental analysis.

"Wow, so only need to study both and use the fundamental as main analysis and technical as the support?"
Yeah, basically you are right but fundamental analysis themselves is very hard and it's not for beginners. Making fundamental analysis will need to watch the data, watch the news and make a conclusion. At the very least, as long someone lacking in the economical background will not be able to do it. But don't worry about that since i will cover this matter on the other page.

"So i only need to follow whatever you suggest?"
You will be the decision maker since i hold no responsibility to whatever the results will be. But at the very least, i have earned money quite a lot and i am living from trading only with some other investments. So trading forex is my main income. The hardest thing about forex trading will be the risk management though but i will not cover that since each trader have their own different strategy, different risk management, different situation and different experience.

But just one word of wisdom : "Never put all eggs in one basket."



Government Bonds 


For investors without large ammount of money, you might not be able to play government bonds.

Government bons will be quite expensive. Personally i'm from Indonesia so i'm trading Indonesian government bond. I will only make suggestions for Indonesian government bonds but i will not cover other country's government bonds. However, you need to know that the basics in deciding whether you should invest or not will be the same in here.

First of all, there are a lot of things you need to know before buying a government bond.
There are things that we call coupon, time to maturity and par.
Each government bond will have different par if you're not buying them at the releasing date.

So as an example, let us call government bond A as asd001.
At the releasing date from asd001, it is being sold with $10.000 per paper with 100 par and 10% coupon. Time to maturity is 5 years.
As time pass, the par from this government bond might change over time. It might goes down or goes up.
if the par is 110 then, asd001 will be worth $11.000 per paper and it might goes down as long the par goes down.
How you could determine whether the par goes up or goes down? Well, time to learn more about economies and check about interest rates and interest rates expectations.
As for coupon, it is the bonus for you every year and the base bonus will be determined with on par (when the par is 100).

So how much coupon will asd001 give you every year? The answer will be $1000 (10% * $10.000)
However don't forget that every country have their own different tax and as for my country's tax is 15%. So i will only receive $1.000 - (15%*$1.000) = $850

"Will i loss the initial investment for the money i use in order to buy this government bond?"
No.. you will not. the time for the contract will be decided on when the government bond matured. So when the bond is matured, you will not get any coupon anymore and you will receive money on par.
So as the example i show you, the total money will be $15.000 ($5.000 from the coupon).

"What will happen if i sold the bond earlier before it matures?"
You might be able to earn more money from different par as long when you sell it, the par is higher than the par when you buy it. But you will not receive any coupon again with it. The par will keep moving from time to time when you start buying this government bond and they will settle back at 100 again when it matures, so even if the par goes down to 10 from 100, it will turn back to 100 when it matures.

"Wow, so it's kinda like a guaranteed income with almost 0 chance of losing?"
If you sell when the par get higher you earn. If the par goes down then you can enjoy the coupon and wait for the maturity so it's very hard to loss the money in here. However, if a country bankrupts, then they might not be able to pay you back your initial investments.

"How the heck can a country bankrupt?"
Well, i'm not badmouthing any country but watch Greece as the example. While it is unlikely for a country to bankrupt, you need to consider the possibilities. So before you will wish to buy a government bond, make your own research.

"Are there any other bonds?"
Yes, there are some other bonds that will be released by companies even with higher coupon than government bonds. But the sad part in here, the chance for them to fail in paying you will be high so you need to consider lots of things. Not to mention their tax will be much higher than government bonds.

Make Money From A Hole In System From Banks


"Hey c'mon there are nothing like this isn't it?
I don't know how much banks will got this hole but i have found a few of it and making money from it.
So lemme tell you how you gonna earn the money in here.
Most banks will allow you to make several accounts with different currencies, not to mention you can transfer money even on holiday from an account to another account. If you did not found the bank that allows this, then you just need to find it until you got it.
I personally found a few holes in Indonesian Banks but i will not expose them in here since i did not want for them to close down that hole. Heck, i am making money from it so why i need to tell them that their system is wrong unless they pay me for it?

And as for the tricks:
1. It can be used only on Friday.
2. It can be used if transfer can be done even on holidays.
3. It can be used as long currency exchange rate is being frozen from Friday night till Monday. ( i even highlighted the picture above about the rate exchange)

So, lemme give you an example.
Currently i have 2 bank account which consists of SGD(Singaporean Dollar) and USD(US Dollar)
When a big news suddenly happen on friday, USD/SGD 1.00 rate to 1.20
But at the currency rate from USD/SGD at my bank still stuck at 1.00
So the trick is to transfer all my money to USD at that moment.
Let's say my money at that time is 10 SGD and i change it into 10 USD.
Then when the market opens at Monday, the USD/SGD rate suddenly jumps to 1.2 and then i trade all of my USD into SGD back and i got 12SGD as the result. It's a simple, and easy money only within 3 days from Friday night to Monday morning. Whether you want to transfer only 10 SGD back and leave some USD as the profit is up to you as well.

"Hey a jump from 1.00 to 1.2 is very unlikely!"
Yeah i know it, that is only an example and the chance of that to happen will be very low. Most likely the chance might be 1.00 to 1.03 or 1.04
So this simply means you might be able to gain 3% money easily with this and if you're doing this with a large ammount of money then it will worth of it surely.

"How can i know whether i need to change the money or not."
Simple, just watch the live exchange rate after the market freeze. It's cheating because you already know the result. After learning the result, you can slowly decide how much you want to trade and how much you might earn.

"Will i got caught by doing this?"
Well, you are only transfering money between your own account and what is the crime in that? I have been doing this for years personally. Who are the ones that will loss money from this? Well, it's the banks. But it's none of my concern since it's called "A Hole in the System."

"Is the bank in the picture is the bank with a hole in the system?"
I'm only using a random picture as an example and you can feel free to try it. If you're right then it's great for you, isn't it?

Check about PTC & Gov Bond in here

Note: You may contact me if there are any question by clicking "Contact Me" or you can try to ask via chat.

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