Hot Niche Money Transfer to Indonesian

Niche Marketing can be refer to either marketing and business choice. In and of itself, niche marketing refers to finding a segment of the general market for a service or product line. One then develops a solution for the needs of that segment and then markets to it to get the word out. Let’s take a look at an example using one of the biggest companies in the world.


Toyota is a huge multinational company. At first glance, it appears that Toyota focuses on the auto business as a whole both from a marketing and production standpoint. This view is correct. Notwithstanding this fact, Toyota is excellent when it comes to niche marketing.



Toyota will search for niches for which it can supply a product in need. Toyota was one of the first companies to realize there was a group of car buyers who would be very interested in environmentally friendly cars. To answer this need, it came up with the legendary Prius. The Prius is the first mass production hybrid car. Where other car manufacturers saw Toyota taking a huge risk, Toyota saw it as an opportunity to identify a new niche and establish its brand in that niche. In marketing, it is often the first brand on the scene that takes the day.





In my case, i use mobile money to transfer money to Indonesian..although many rumors are saying that there is reducing numbers of Indonesian but, for about 4 month i open money transfer services, the numbers of new Indonesian is showing positive increasing..Then i also found out that price and days to transfer are the biggest factor that could attract Indonesian to come to my service premises.. so i started to keep my price not to be to high instead of western union so that i could win the situation..but i still have one more challengers days money could transfer to Indonesian..sometimes it shows that bankers such as BNI,Mandiri,BCA and BRI can be as fast as SMS but now i realize that it does not depends on the ammount of money we send but the gateway ..how wide it provide by the server

BBD-BLOCK BUSTER DEAL STREAMYX PROMOTION

Minggu yg lalu ak ada menyertai event di PC Fair di Persada JB..dari 2-4 April 2010..di sini ratusan penjual@ agent melebihi pelanggan yang hadir ..maka hanya yang betul2 bertuah je yang akan memperoleh pelanggan mereka..huhu




Yang paling bestnya pada ak kt ble promote tanpa lar kt segan silu..yelah tak kenal pun customer tu...saat plg best bila customer dpt kepercayaan kt..cm lbh best bila time dtg komisyen tu haha..nasihat ak lar kepada semua pelangan di luar tak kira lar apa pun pilihan hati korang utk guna internet, korang kena tunggu time event baru korang subscribe sebab korang akan dpt gift atau goodies dari pihak tm...atau seantero dengan nya.. sekarang ni sapa sign up "bbd" memperoleh banyak faedah antaranya telefon tm ke tm percuma, dapat dect phone dan wifi percuma..






kepada yang dah melebihi setahun guna streamyx aku ucapkan ribuan terima kasih kerana setia bersama tm ...maka aku nak bagi tau ada lagi si pakcik tm ni nak promote dia cakap upgrade RM5 jer per lagi sambar lar..ni case nya contoh lar sebagai rujukan:


ko pakai 384 kb bayar lar dlm RM60 cuma bila korang upgrade kepada 512kb ni , 4 bulan pertama korang di kehendaki bayar seperti biasa RM60 ..tipu apa tipunya lak..upgrade dulu baru tau faks jer butiran2 korang kat ak seperti nama penuh bererti salinan ic, alamat di mana modem korang berada sekarang siap cross tulis lar ((( utk kegunaan telekom malaysia jer))) along angah jgn kacao, then tulis berapa kelajuan yg korang nak 1M agi bagus hehe..then tanda tangan lar faks kat nombor telefon pejabat aku yang berada di Telco RKH Jaya Ent..07-4153422 sambung semula selepas 4 bulan korang menikmati pecutan 513kb tu tiba lar surat dari pakcik tm korang kena di kehendaki membayar 512 kb pada kadar RM65 jer..aik tak caya hmm pa lagi try lar dulu..seminggu lepas korang buat registration untuk update telefon lar tm dail 100 saya dah wat update macam mana saya nak tau speed saya dah di upgrade kepada 512kb ...sekian tu jer lar tq

streamyx blockbuster deal

BEST & EVER STREMYX PROMOTION
- FREE RM75 Activation Fee
- FREE RM88 installation fee, even if you choose contractor install
- only for Combo RM60 and all BlockBluster packages above,
not basic packages


All BlockBuster packages are with:
- free Wireless Modem - 1 year warranty
- free cordless phone
- free unlimited calls to whole Malaysia TM fixed lines
- 15 cents or 10 cents per minute calling Non TM fixed lines & all mobile lines,
(please refer to the table above)
- applicable to existing fixed line owner and also new fixed line applicants
- the contract is 1 year. Customer needs to pay penalty RM350 if terminates
within 1 year. After 1 year, the customer may continue or terminate.

Combo RM60 is still available:
- free Wired Modem - 1 year warranty (not wireless modem)
- the contract is 1 year. Customer needs to pay penalty RM350 if terminates
within 1 year. After 1 year, the customer may continue or terminate.
- NOT including free unlimited calls. However, you may request for it by paying
additional RM10, RM60 + RM10 = RM70. Monthly will be RM70.
- If you wish to add unlimited calls to Combo RM60, you MUST inform us.

NOTE: Please read and understand
the following terms and conditions:







- This site is especially for new streamyx registration only.
- If you are already a streamyx user, and would like to upgrade or downgrade,
you must do it at the nearest TM Point.

- For customers with existing fixed line, if the streamyx applicant is the owner of the
phone line, the application will be processed immediately.
- If the applicant is not the phone owner, please email to senyum_210@yahoo.com
applicant's IC copy to prove the identity.

- Once you apply Streamyx COMBO or BlockBuster packages, you no longer need
to pay the RM25 fixed line rental anymore, all you pay monthly is 1 Price, eg. RM60.

- For new phone line application, you are required to email a copy of your IC to
senyum_210@yahoo.com You will need to pay in the first bill the standard
charges of RM75 for deposit and RM10 for stamp duty. If you are applying for
basic packages (not any of the combo packages) you will need to pay
additional RM50 for phone line activation.

- NOTE: the deposit for phone line application for non-Malaysian is RM1,075.

- RM30 cash to be paid to the TM contractor for installing the phone. If additional
wiring is needed, the charges will be RM50 or more.


Why Online Registration?

No queueing up at the TM Points!
- Save your time, save your money & save your effort

Register at your convenient time, wherever you are!
- 24 hours a day, 7 days a week!

- send all your detail such as:

• ic copy with cross - for tm used only
• current addres
• signature at the photostat copy
  

We provide After Sales Support (Once Our Customer, Always Our Customer)
- Whenever you face any problem with your streamyx or even your computer,
please feel free to call us, and we will try to help you to troubleshoot the problem
- You may call us from Sunday to Friday (off on Saturdays) from 9 AM to 11 PM.
- Just remember our easy-to-remember hotline number:
Tel: 017-7150766

fax: 07-4153422

Money mobile vs western union

Petang2 ni jam 5pm ada sorang hamba Allah kata dia pun menggunakan mobile money..wah rupa2 nya ramai jg org yg gunakan mobile money ni..cmnya di mana lar pula pelanggan antaranya indon dan jg nepal..pada pendapat ak mereka ni semuanya tak cukup duit agaknya inikan pula nak kirim duit ke negara asal..yg datang pula nak tukar duit indon terus..dia siap ckp dgn ak yg penghantaran duit ke bangladesh sudah boleh..hmm takde kabor berita lar pulak..bunyi cam tipu jer tp ak tetap layan jer haha..cm kan bagus kalau ak ada lesen wat pengorup wang semua negara ak ble tembusi...cm mestilah kena sediakan duit yg byk jmlah dia baru dpt lesen tu blm wang tepi, depan dan belakang agaknya lah...kebykkan yg datang adalah org yg nak kirim wang tp tak mampu buka akaun dekat negara masing-masing maka mereka lebih suka hantar melalui western union

Apa pun ak dah jmp org yg kira pesaing hebat dlm bidang penghantaran wang ke indonesia..cm agak2 pasni mesti ramai yg akan dtg auta ak kan hehe..

Join Streamyx

Mudah jer kalau sesiapa faham macam mana modus operandi streamyx ni sbbnya bole buat duit dgn cepat kalau saluran yg betul tapi kalau salah join syarikat mmg hancus lar uit 1 sen pun korg tak dpt...sekarang ni dah makin bagus lar sbbnya streamyx tgah buat promosi secara besar2an byk pakej2 yg hebat2 tengah di adakan spt "super upgrade deal for 4 month" dan "0 rate" bagus jg korg dapat menikmati kemudahan ni hanya sekiranya korg dah setahun menggunakan servis streamyx ini dan untuk "0 rate" bermaksud tiada yuran pemasangan ( installation) dan "activation" di hapuskan sama sekali cuma jika korang melanggan pakej 1M korg hanya perlu bayar sebanyak RM220 untuk 2 bulan sekaligus mudah jer kalau nak melanggan streamyx atau nak submit borang pun boleberi dkt ak

Money mobile

Penghantaran duit ke bank Indonesia dan Nepal

bagus bisness ni kalau pandai tambat hati pelanggan, sistem ni menyediakan penghantaran dlm masa 15 minit sahaja dengan sistem ini jg kt dapat membyar bil2 utiliti pelanggan , dan jikalau kedai kt berada pada kawasan yg strategik . InyaALLAH meletup lar juga terutama nya bila time gaji pekerja2 asing ni kuar memang best giler ahh

kadar bayaran yg ak kenakan hanya RM 10 bagi setiap RM1k

TelconPost

My major business is Streamyx and Poslaju and i can also operate with unrelated business such as frozen food, bill payment and reload card..

Frozen food:

• Donut
• Karipap
• Samosa
• Popia
• Roti canai
• Pau
• Putu ayu
  
• etc
  

Rempah

• Bandung
• Kari
• Asam pedas
• etc
  

Bill payment

• ASTRO
• TNB
• SAJ

LAST BUT NOT LEAST
to all my ex junior if you want to make side income with selling streamyx product please call me and contact me i can give some pocket money

my name is India,DeLta,India,LOndon..

Hmm so what it is all about ...and why is it my name is like that?? i do not aspect my friend in marine tech does not know what and why ...but if our marine junior so he/she sure does not understand that .


Actually that is the code use in the field of international maritime signal flag. we can say that this code is often use when there is stress signal and communicate or introduce our boat when we have emergency case such as collision,hijacking or maneuver disorder. when those situation happen thing may been worse with bad signal and bad pronunciation words. so to prevent bad thing become worse they naming each letter with something that international stage can remember them and use it :)

During our trip with HSM vessel we have been divide into 3 group were each group should became watchman. And for each group they have to be watchman for 4 hours for example my shift is on 12-am to 4 am and for 12 pm to 4pm for almost 5 days. there is only 2 place that we should get ready to be watchman either to engine room which the temperature there is high but more on engineering there or at bridge to learn on navigation.


For the time being what that i can learn is all of them are magnificent.why i said that because that vessel they can operate with small amount of man power and some of them are in different country with different language. they are using English as communication way but i done think they can send each word 100%. what i try to share with you guys is never ever afraid to speak wrongly especially in English. just do it!

balik kpg~La~La

Em gembira rasanya dapat blk kpg ni..yela kpg ak kat johor skrg ak ngaji kat perlis..huhu kata org takde lar jauh sangat sbb msh dlm semenanjung lagi..tp itu bukan persolannya..yg menjadi soalnya apabila harga tiket bas yg ak selalu guna ulang alik dari utara ke selatan dan sebaliknya ni bila lar nak turun semalam harga minyak pun dah turun lagi 10sen tu dah kali ke 6 dah harga minyak turun..bila lar diorg nak turunkan blk harga tiket bas..ak terpikir gak alangkah baiknya kalo mutu perkhidmatan diorg ni upgread jd bertambah baik sesuai dgn kadar surcaj sebanyak 30% yg dikena kan keatas pelangan2 setia mereka ni..tak kan lar asyik nak komplen jer bila harga minyak naik amboi2 bukan main lagi melenting diorg ni NYmpah !! i perangai cam ungka jer bila nak turun kan harga tiket tu?? ak tampor karang ak gak kena balik hehe..

Walau ape2 pun apa yg plg penting sekali ak nasihat lar semua yg di luar sana jgn tinggal solat sungguhpun dah jd musafir kt dah di ringan kan jumlah rakaat tu..ketahui syarat2 musafir tu ape lbh 2 marhala, > 94 km pastu kalo nak wat jamak ada 2 j: jamak takdim dan jamak takhir..subuh tu jaga takde jamak dah..jgn korg cakap jam ni tak yah wat bas tak berenti..aiii lebih lar tanggung sendiri lar, sebenarnya ble jer nak solat dlm bas ak tak leh nak ckp lebih kat sini nanti korg tak faham so nasihat ak korang tengok laman web Ustaz Zahazan Mohammad berkaitan tentang Panduan menentukan arah kiblat solat dlm pejalanan tp yg ni dia citer ms kt berada dlm kedudukan statik tak bergerak ..tanya lar ilmu agama tu dgn ahli agama takut jg ak ajar sesat ni karang korg tuduh ak pulak ajar benda2 tak betul.

ok lar sampai jmp lagi....wassalam

:)

Budaya kad kredit

Pada petang ni aku menerima panggilan dari mamat yang kononnya bekerja disebuah bank terkemuka..dia mengenalkan diri dia sebagai Haikal ni nama benar nih..dia nak cari pelangan baru utk pemegang kad kredit..hmm

ape yg istimewa sangat kad kredit?

Kad kredit adalah duit plastik ..tp dia mempengaruhi pengguna untuk berbelanja tanpa had..dan mereka ni mebiarkan pengguna supaya berasa senang jer tak yah susah2 kemudian baru cerita..tapi akibatnya amatlah hebat..

macam mana kad kredit berfungsi?

Kad ni berfungsi apabila kt mempunyai akaun bank dan kt mendaftar untuk menggunakan khidmat mereka. Kemudian mereka akan memberi pengguna no "id verification" dan "pasword" utk keselamatan.

pelik tapi benar?

Jika dulu kt perlu mohon sendiri melalui bank, tp dgn kecangihan teknologi sekarang mereka2 ni dapat segala maklumat kt dengan mudah, mereka mempunyai berbagai2 helah antaranya dapat menggunakan khidmat2 menempah hotel dgn kadar yg rendah, garenti di pulangkan semula duit jika khidmat tak baik, insurance dan berbagai2 lagi. apabila kita bertanya hal ini kepada pihak bank mereka kata tak de pun perkhidmatan macam tu..pelik jg sape dia agen2 ??

Timbalan Menteri di Jabatan Perdana Menteri, Datuk M. Kayveas baru-baru ini telah membuat kenyataan bahawa seramai 153,676 orang diisytihar muflis sehingga bulan Februari 2007 kerana gagal menjelaskan hutang kad kredit. Tengok betapa mudah nyer nak muflis so ape tunggu lagi bertindak.

Manakala tunggakan pinjaman melalui kad kredit sehingga Disember 2006 pula berjumlah hampir RM20 bilion. Demikian juga kenyataan Agensi Kaunseling dan Pengurusan Kredit tentang sejumlah 13,596 pemegang kad kredit yang dikenakan tindakan muflis sepanjang tahun 2006. Perbuatan mereka yang tidak bertanggungjawab ni sangatlah mengecewakan dan mendukacitakan seumpa along 2 berlesen.

Walaupun jumlah hutang tertunggak pemegang kad kredit ini dianggap sebagai tidak membimbangkan oleh Timbalan Menteri Kewangan, Datuk Dr. Awang Adek Hussin, iaitu kurang daripada lima peratus daripada jumlah keseluruhan pinjaman negara sebanyak RM500 bilion, namun bagi FOMCA, jumlah mereka yang muflis disebabkan oleh kad kredit amat membimbangkan. Nauzubillah , moga2 kita sentiasa beringat 2 dan sentiasa jg mengigatkan kawan 2 yang lain akan bahaya memiliki kad kredit ni.

bagaimaaaaaaaaaaaaaaana caj dikenakan?

Semuanaya mestilah dijelas kan setiap bulan, dan setiap bank akan mengenakan caj yang berbeza-beza dengan alasan mereka memberikan perkhidmatan yang selesa tanpa perlu mengeluarkan wang tunai tetapi apabila tertunggak caj akan di darab kan dengan hutang tersebut.

apa yang tak perlu?

1. jika anda sudah memiliki kad kredit jangan tambah lagi atau nak lebih selamat dan bagus tinggalkan 1 jer.
2. Jangan gunakan ia untuk pendahuluan duit...biasanya benda ni belaku di stesyen minyak di mana pelangan yg bawa lori akan mengambil duit advance dari kaunter dan mereka akan minta kaunter tambah nilai pada minyak yg dikena kan kepada mereka , sebabnya kad tu syarikat diorg punya bukan diorg punya(macam2 org nak menipu nih).
3. Jangan bebelanja lebih dari kemampuan dalam sebulan.
4. Dan apa yang paling penting sekali jangan biarkan bank meningkatkan jumlah yang kamu boleh berhutang.

kesimpulannya:-

1. Nyatakan barang2 yang hendak dibelanjakan
2. Beritahu atau berbincang dengan ahli keluarga apabila berada dalam kesimpitan wang seperti hendak membayar yuran pengajian bagi pelajar.
3. Buat senarai tentang barang yang paling penting di beli dalam masa yang teredekat dan senaraikan juga senarai barang yang kurang penting.
4. jelaskan segala hutang piutang secara istiqamah agar tidak terbeban dengan kadar faedah yang telah dikenakan oleh pihak bank.
5. Ganti kredit card dengan cara menggunakan wang tunai sahaja untuk membayar segala keperluan.
6. Jual barang kita yang tidak di perlukan di kedai terpakai.
   

rujukan lebih :-

http://www.malaysianbar.org.my/berita/komen_undang-undang/pendapat_henti_segera_promosi_kad_kredit.html
http://www.sabah.org.my/bm/nasihat/artikel_kewangan/kad_kredit.htm
http://www.practicalmoneyskills.com
http://www.mapping-your-future.org/features/dmbudget.html
http://www.nfcc.org/