22 January 2012

一团和气乐龙龙~ Peace Bring Harmony~

就算再忙, 也得回家吃团圆饭、过年~
祝各位 2012 龙年乐龙龙、龙马精神、龙财满袋、龙升水起~发啦!!!
呈现新鲜出炉的龙年短片 => 一团和气乐龙龙~

No matter how busy it is, still have to go back for reunion dinner and Chinese New Year Celebration.
Happy CNY 2012~


Enjoy my lastest Year of Dragon video clip => Peace Bring Harmony~



Feel free to comments~




18 January 2012

Juzdota, Malaysia Free Battlenet Server

Good news for DOTA players~~ There is another free Battlenet server for Warcraft 3: TFT. 


From very first Blueserver (BS)  -> UCPRO -> Juzdota, a well-know Malaysia Warcraft 3 server is sponsored for Malaysia/ Singaporean to utilise this platform to perform free online network gaming.

This is the official website of JuzDota. You may get a free account and enjoy the Battlenet.

Here are the steps:
- Download the loader and run the setup
- Go here, to register a free User ID to login Battlenet

Enjoy the game then~ Hassle free~

13 January 2012

Financial Management : BASIC Savings / Current Account

I have been sharing this many times.. perhaps more than 50 times. This make me to decided to write a summary about this so-called ''Products"

I am going to focus on these : BASIC Savings Account (BSA) and BASIC Current Account (BCA).

??!!! What are these? This is like NORMAL Saving Account (NSA)and NORMAL Current Account (NCA) what?
Perhaps many people are thinking of that.

Why there are such accounts available in the market? Actually this cant say is 'available' and it is a 'force' order by BNM (Bank Negara Malaysia). Frankly, banks are so-called 'Legal Loan Shark' and many customers make complaint to the banks that MANY HIDDEN CHARGES while dealing with banks. Here come the birth of BSA/ BCA.

These are my scenario/ experience with BSA/ BCA:
- After graduation, my brother (thanks to Eric Law) told me this info. I went to the bank and asked for an account type change. Well, banks not allowed that, is ok, I just canceled all my NORMAL accounts and REAPPLY for the BASIC Account. For BSA, as low as RM20 can apply a new BSA and RM500 for BCA.

- One day, I found that my ATM card was broken. I went to the bank and requested for a replacement. The banker told me that the charges was RM8 for ATM card replacement, yet, once I told her that I am BSC holder, immediately, the charges was waived~ ^^Y

- One day, I went to HLB and inform the banker that I wanna apply a BSA. The cute banker dare to questioned me reasons of doing that and bla bla bla. Promptly, I screwed her up as I knew all the benefit of BSA.

THE REASON BEHIND BANKS WON'T TELL CUSTOMERS ABOUT BSA/ BCA IS BECAUSE BANKS CANT EARN SINGLE CENT FROM THESE ACCOUNTS!


With NORMAL accounts, banks will start to do a lot of trick to 'steal' money from you~

- I have 3 BSA and 1 BCA. I have paid nothing since the accounts opening while enjoy the ATM facility~Hehe~~I did enjoy the interbank transfer at only RM0.50.

BSA and BCA are available in the market since 1 Feb 2005, you may refer to the whole article by Bank Negara Malaysia (BNM) http://www.bnm.gov.my/index.php?ch=8&pg=14&ac=964

Here is the summary of the BSA and BCA benefits.

- There is no annual ATM Card charge. (There is standard RM12 for any NORMAL account holder)
- Low interbank transfer for 2 times (RM0.50) monthly. (RM2 for NORMAL account)
- For BCA, just need to maintain as low as RM500 (my PBB account) to avoid the charges.

Again, I would like to emphasis this :

THE REASON BEHIND BANKS WON'T TELL CUSTOMERS ABOUT BSA/ BCA IS BECAUSE BANKS CANT EARN SINGLE CENT FROM THESE ACCOUNTS!

So? Don't wait and go to any banks, cancel the normal accounts and apply the basic accounts
Good luck if you still having NORMAL account.


财务管理 : 我从信用卡省到的钱~


03 January 2012

财务管理 : 我从信用卡省到的钱~

在新的一年里,很多人对2012年的经济没有太大的希望,因为暗涛汹涌,自2008年五年内的第二轮经济危机可能在2012年暴发。

这种的经济危机,到底对我们小市民影响大吗? 说没影响是骗人的~ 因此,精明的消费是很重要~但,也别忘记 "省钱" 的重要~

在这篇文章里,我想和大家分享我如何通过信用卡来省钱~ (在大马~)

基本上来说,我有两张主要的信用卡 : OCBC Titanium 和 Maybank 2 AMEX Platinum。 它们平均一个月帮我省下了大约 RM25-100 。到底怎样节省呢?我先解释这两张卡有什么优势吧~


OCBC Titanium
- 5% 回扣 (rebate) 予 汽油、饮食、商场消费 (Groceries, Giant, Tesco, Jusco, Carrefour 等等都有5% 回扣)、 帐单。
- 1% 回扣 予其他的消费 (比其他信用卡 的 0.5% 还高~)


** 每月回扣最高 RM50.00

- 5 % rebate for ANY petrol station, ANY hypermarket, groceries, Restaurant, ANY Bills(Telcos, Utilities, YES, ANY BILLS!)
** (Rebate capped at RM50.00 per month)


Maybank 2 AMEX Platinum
- 任何消费都有 五倍的分数 (5 Treatpoints, 1分等于0.5%, 5分等于2.5% 的回扣!)
- 周末的消费 都有5 % 回扣

** 分数是无限制以及没有截止日期。
** 每月回扣最高 RM50.00

-  5x Treatpoints for ANY transaction.
-  Weekend transaction will be entitled EXTRA 5% CASH rebate!
** (Rebate capped at RM50.00 per month)


不同的信用卡花费在不同的地方~以下是我个人的建议:

OCBC Titanium (OCBC)
- 汽油 (周日)
- 饮食 (平时在 KFC 我都是刷卡的~~)
- 帐单
- 霸级市场

 Maybank 2 AMEX Platinum (MB2)
-  汽油 (周末, 5%+2.5%= 7.5% 回扣!)
- 任何消费都用在周末(比如要买相机、电脑、上网买机票、电影戏票 )


来给个模拟消费:
每个月的消费:
- 汽油         400 (5%回扣 20) ocbc
- 电话           80 (5%回扣 4) ocbc
- 保险         200 (1%回扣 2) ocbc
- 网络           50 (5%回扣 2.5) ocbc
- 水电         200 (5%回扣 10) ocbc
* 回扣 RM38.80~

- 普通消费 500 (5%回扣 25 + 5x200=1000TP) mb2
* 回扣 RM25.00 + 2500TP(等于值RM25)

总回扣 RM38.80+25.00=RM63.80

关于政府信用卡税嘛, 一年是 RM50+RM50= RM100, 可是一年回扣肯定会超过 RM500, 加上 MB2 可以用10000分来兑换,就是说MB2平常消费RM2000 就可以免政府税了,还有5%回扣呢~~ 那你会不会用以上的信用卡呢?


Summary of My Rebate for Using 'This' Credit Card~