Yer, I envy my blogging pals who have already received their ach payments! @.@

Their money has already been deposited while I am still waiting for the arrival of my check. Sigh, once I get the check, there is still a need for me to deposit the check and wait for a month for it to clear!

How nice if the ach payments work for foreign affiliates as well! If so, there is no need to forward checks to the bank and wait for processing.

Most important of all, it is an efficient and cost-reducing alternative to paper checks and credit cards.

Hubby just handed me a scratch-off ticket that he had bought while he was on his way home from finding deals on trailer hitches.

Ha, I wish I could hit $1 million on this scratch-off ticket! ^.^ll

What will I do with $1 million in hand? Firstly, I will pay off all the credit card that hubby and I have accumulated throughout the year. The amount is roughly $40k.

Then, I think I will buy hubby a car, preferably a Toyota or a Mercedes.

I have wanted to buy gold for quite a while, but I haven’t found the right agent to Sell Gold to me.

It’s not easy to find an agent that is genuine, you know. @.@

Sometimes when I think I have found the right agent that really wants me to make money from investment, it later turns out that he is after all of no difference from other agents whose ultimate goal is chasing after profits.

If you know any gold seller/agent who is truly genuine, let me know.

Speaking of online degree programs, hubby has more interest than I do.

I know he will definitely pursue a master degree program if we have no financial problem at all. Haiz, too bad that for the time being, there is really no extra money to let him pursue his dream! >.<

As for me, I am not interested in any online degree programs because I would like to focus on expanding my online business.

Hubby and I have been discussing his early retirement plan for the past few days. To be honest, I would love him to retire early too.

If my online income can double next year, it’s for sure that hubby can retire early without worries.

To make my online income double, one of the important steps I should take is setting up more niche blogs like selling weight loss pills, sharing tips on how to get rid of acne fast and promoting electronics and hardwares.

It’s great that there are jobs everywhere now. Have you looked for a greener pasture or are you in the midst of hunting for a new job?

As for me, I am not taking any action this year. I will only hunt for a new job when I hit my emergency fund goal. A few more months to go, yay!

If my online income doubles next year, I might just as become a full time affiliate marketer.

Come on, let me sell a few more cameras online and I will have enough money to buy a memory foam mattress to sleep on!

I have been receiving so much good feedback about memory foam mattress that it’s my resolution to get one this year. Trust me, it is so comfortable that once you sleep on it, it’s for sure that you would not want anything else on your bed again. ^.^

Besides, a memory foam mattress is naturally resistant and dustmites find it hard to create a habitat for them to survive.

Speaking of passive income, I know many affiliate marketers make ton of commissions from selling the best fat burners and diet pills online.

But do you know that weight loss is a very competitive niche? @.@

I don’t think I can fight with those bloggers who can open dozens of weight loss websites/blogs at one time and promote their sites aggressively through lots of articles and campaigns.

How to fight when there is little money I can spend on advertising campaigns?