MONEY MASTER

I just get an email from my US trading account stating that my W-8BEN form is not going to be valid after end of Dec 2013 and asked me to resend them a new copy of the W-8BEN form. While I was filling up the form, I found that it is quite troublesome, if you do not know how to fill it up, so I guess it is best for me to blog about it, as a reference for myself in the future, as well as for reference for other Malaysians. What is W-8BEN form? You need to fill up this form if you have a trading/brokerage account in the US. If you don't fill this up, the super efficient IRS (Internal Revenue Services) will hunt you down, just like there is a saying "There are 2 things that are certain; death and tax". Anyway, just kidding, basically, if you don't fill this up, the IRS can hold up to 30% of your dividend, interest, royalty, etc. Basically , this rate is what the IRS can withhold for a foreign person. If you filled this up, you are excluded from this withholding provi...

Wishing everyone a Happy Chinese New Year :D. Hopefully everyone will be healthy and prosperous in this year of this Rabbit year.

Wishing everyone a Happy Chinese New Year :D. Hopefully everyone will be healthy and prosperous in this year of the Tiger.

Privacy Policy for http://realmofwealth.blogspot.com/ If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at kianteck7@gmail.com. At http://realmofwealth.blogspot.com/, the privacy of our visitors is of extreme importance to us. This privacy policy document outlines the types of personal information is received and collected by http://realmofwealth.blogspot.com/ and how it is used. Log Files Like many other Web sites, http://realmofwealth.blogspot.com/ makes use of log files. The information inside the log files includes internet protocol ( IP ) addresses, type of browser, Internet Service Provider ( ISP ), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable. Cookies and Web Beacons http:/...

A payday loan is known by different names, for instance, cash advance loan, deferred deposit loan, payroll advance loan, paycheck advance, payday advance and so on. A payday loans is a particular form of loan that is offered for a small time period to deal with your urgent spending requirements. These loans are typically due for repayment at the time when you receive your next paycheck. A payday loan can help you if you experience difficulties related to unforeseen expenditures or bills prior to receiving your next paycheck. In simple terms, a payday loan is secured by your future paycheck. These loans have garnered significant popularity over the past few years. Against lending you the money till your next payday, the lender would ask for a fee. The majority of storefront locations necessitate you to offer them with a physical check that would act as guarantee for the payday loan. If you qualify for such a loan, the loan amount would be electronically deposited into your savings or c...

CREDIT HISTORY When companies do a credit check on you, they are given not only a score number but also details of your credit history. If you have missed payments on your credit cards then it would show up on your credit report. If you have defaulted on a loan payment, your credit history will show this. If you have missed making payments, you are not considered responsible enough when it comes to handling money. In other words you are a higher risk than your neighbor with a great credit score. Having a higher credit score is considered by insurance underwriters a sign of stability and responsibility. Obviously the higher the risk your insurance company considers you to be, the higher the insurance premium. While some may be of the opinion that using credit scores to determine insurance premiums may discriminate against those who are in the lower economic group because they tend to usually get themselves in financial trouble and probably have a lower credit score. However, others may ...

Money......what is the value of money for us? Some of us believe that money is everything while the others think otherwise. We use money to but stuff - food, clothes, transportation etc. Money seems to be a very important element in our life that everyone sweating day and night just to meet the daily needs. We are living in a world where money seems to be everything - which is quite obvious why I name this blog Realm of Wealth . I was thinking whether to name the blog Realm of Money or Realm of Wealth, but decided on the latter one. The main reason I choose wealth over money is because wealth is made up of an abundance of valuable material possessions or resources, while money is just money. I want to blog more on money related stuff, while at the same time not only money, so wealth is more suitable. This blog will have information based on my perception, which can be right or wrong, but to voice out is the process of learning, which will happen all the time.

Do you all believe that on Friday the 13th, something bad will happen? I mean, there are so many Friday the 13th, and something bad might eventually happens on one of those days, right? Well, on the last Friday the 13th, something bad really happened. If you all have notice, I have not been serving the Google Ads since Friday the 13th this month. Well, I received an email saying that my adsense account was disabled because I pose risk to the Adwords advertiser. I'm not sure what went wrong as I was still able to see the Google Ads few hours before that and after that when I woke up, I thought Google was down or whatever until I checked my email. I am now appealing and not sure how it will turns out, but hopefully I will be accepted back to the program. At the same time, I will also search for something like adsense. Not that I'm greedy or what, but I just want to earn something out of my writings. I do hope Google forgive me, if I really posed risk to Adwords advertisers - not ...