Wednesday, April 30, 2008

Financial Planning part 1

This is the first part of financial planning post. What is financial planning? It is a way of reaching your life goals through proper planning of your finances. People of all ages need to know about financial planning. Without proper financial planning, we will have trouble during the rainy days.

Financial planning objective to reach the goals or objectives that you set from the beginning. I would like to categorize my objectives in 3 types; short, middle, and long term. Let me share with you all my example:
  • Short term: To have cash of $100k in the bank
  • Middle term: To have cash of $500k in the bank
  • Long term: I have not set it yet
How short is short-term? It depends on individual. For me, I set my short term objective within 5 years, while middle term is within 10 years from the moment I begin work.

Share with me your opinion ok.

Tuesday, April 22, 2008

Invest in properties

Property will always have a value.

This is the most important sentence that will make property the best ever investment. Investing in property has higher risk compared to share market. The higher the amount that you invest, the higher the risk is. It is as simple as that.

Some people invest in property for the capital gain. Some invest for the steady passive income from rental each month. Those landed properties will have higher capital gain, provided it is in a good area with potential to grow. On the other hand, apartment and condominium will fetch in good rental amount, but the capital gain will not be as good as landed properties.

This end the first series of my post on 'invest in properties'. Stay tune for my coming post..

Friday, April 18, 2008

KL Tower

Today I went to KL Tower, which is Malaysia tallest communication tower. It stands at 421 above ground level. It took us about 1 minute to get to the observation deck, where we can see bird's eye view of whole city of Kuala Lumpur. The view is magnificent.Entrance fee is RM20 per person and RM10 for Malaysian. They have very friendly staffs who greet us politely. That's the way our country should always demonstrate in order to have first class tourism.

I'll definitely bring my friend from other part of the world to visit this place. Kudos to management of KL Tower!

Tuesday, April 15, 2008


Most of us already own a personal camera. Gone are those days where one family have one camera. There are various famous brands such as Canon, Nikon, Sony, Olympus, and Panasonic. They are very good at doing promotion to attract layman customer to buy not-so-good camera.

In order to get a good camera and worth every single cents that you spend, I suggest you to read from forum and listen to opinion from previous user or experts in camera. Once you make up your mind on that particular camera, you should go hunting for the best bargain in the town. Try to survey from a few shops and get them to offer the best price with the most free gifts.

Friday, April 11, 2008

Food Connect

From my previous post, I mentioned that I'm hungry and I decided to cook instead of having meal outside. I search the internet for food recipe..

As usual, the internet will provide me with the best answer anyone can get from the world. I can't wait to share with all my readers, so I blog it right after I finish my plate of chicken michelangelo pasta. Very nice and I enjoy it till the last bit.

Let me introduce Food Connect, which is a social website that is alike the famous Facebook. Well, you can search for recipes such as appetizers, breads & pizza, cakes, cookies & candy, eggs & breakfast, frozen desserts, fruits desserts, meats, pasta, pies & tarts, poultry, puddings & custards, rice, grains & beans, salads, sandwiches, sauces & condiments, seafood, soups & stews, and vegetables.

I know the list may be very long, but this may help me reader to identify the type of foods that they want before proceeding to the website.

Apart from that, you can contribute your talent by submitting your recipes and discuss with other people from all part of the world. For those who are health conscious, you can search for diabetic recipes which can help you to control and bring down your glucose level.

Did I mention all of this is free? Yea, it is all absolutely free. So, check out right now and start to enjoy the best food that you can create by yourself.

I am hungry

Just completed my assignment for today and I was doing some update to all the photos that I taken this few years. I have a massive collection of pictures. I'm indeed a photo lover.

It is almost dinner time and I feel hungry. I was thinking whether to cook for dinner or to dine outside. So, finally I decided to cook at home. The next problem come, what should I cook?

So, I search the internet for food recipe..

Thursday, April 10, 2008

Make money

Je suis venu sur un site qui peut vous offrir la possibilité de devenir riche. Chaque jour, il ya beaucoup de façons de gagner de l'argent facile sur le Net. Il ya beaucoup d'idées pour faire de l'argent et de l'Internet est un excellent outil pour faire de l'argent en ligne.

Rappelez-vous que le temps est équivalent à l'argent. Ne manquez pas cette occasion. Prenez quelques minutes de votre temps pour savoir comment gagner entre 200 et 500 dollars par jour en ligne. Vérifiez-le maintenant pour commencer à obtenir votre argent gratuit.

Credit card dilemma

I have a big dilemma in choosing credit card. The offer that I get from different bank really give me a headache. For example, Shell's Citibank card offer rebates for petrol. Then another bank offer cash back for any amount that you spend. I really want a card that can at least fulfil most of the types of rebates that I want.

I'll try to surf the internet to find out more and i'll share the information that I found out in here. So, stay tune and do check out my blog frequently.

Wednesday, April 09, 2008

Credit Card Analyzer

In my previous post, I mentioned about the range of credit card provided by Maybank. How about credit card provided by other bank? Some of the banks that provide credit card include Advanta Bank, American Express, Capital One Bank, Chase Bank, CitiBank, First Premier Bank, HSBC Bank, and Orchard Bank.

For first time credit cards user, especially those who just started work recently, choosing the right and best credit card is not an easy task. I have came across a website; Credit card analyzer, which is an online portal that can help you to choose the best card.

You can choose the best deals card or choose the type of credit card based on credit history for those who has been using credit card for quite some time. Some people prefer to choose credit card based on reward. The reward include cash back, airline reward, gasoline deals, and hotel rewards.

The website that I mentioned above provide very good and detailed article on topic such as credit after bankruptcy, getting good and bad credit, student credit cards and other no credit card deals.

Credit-card-analyzer offer the consultation from their consultants. They can help you out in any credit card deals by redirecting you to the respective bank's website with the application form. So, why wait? Check out their website now.

Monday, April 07, 2008

Maybank credit card

Today I went to Maybank to check my ATM card because I was unable to use it for the Cash Deposit machine. After settling my card problem with the friendly staff at the Sri Petaling Maybank branch, I went to check out the range of credit card provided by Maybank.

Maybank offer range of credit cards such as:

  • Maybankard Visa
  • Maybankard Visa Platinum
  • Maybankard FLEX
  • Maybankard Mastercard
  • Maybankard Mastercard Platinum
  • Maybankard American Express

It's a new way to enjoy life. It offers instant rewards, global recognition, exceptional purchasing power, banking strength, flexibility as well as protection for you and your family.

Thursday, April 03, 2008

X-ray Technician

X-rays, magnetic resonance imaging (MRI), and computed tomography (CT) scan are some of the cutting-edge medical technology that has been widely used in the practice of medicine. X-ray Technician are responsible for conducting imaging procedures for patient and operate x-ray imaging machinery.

The role of x ray technician requires an extensive knowledge of both anatomy and imaging technology. They are well-trained after 4 years course. Their salary range is one of the best with median annual earnings of $40000 per annum.

Why wait? Check out more for the role of xray technician now.

Medical Training

Most of our student now want to choose a degree in medical or health related course. Well, currently there is a lack of medical doctor and health related workers in the government hospital. Most of them rather go for private practice because the pay is much more higher. In addition, they are various benefits and increments for them.

Before we choose a course, we must also consider the cost to complete the course. We must also consider our interest and not only following most our friend's choice. After all, it is your degree and the career pathway that you choose.

Wednesday, April 02, 2008

Medical Career Training

Welcome to the series of information that I would like to share on the medical field. This time, I would focus on the profession of pharmacy technician. Well, it is one of the fastest growing areas of employment in the medical field. The demand for well-trained professional is increasing due to the fact that people are more health-conscious and increase in the population number.

You can consider to be a pharmacy tech, whom is much respested nowadays. They have a very challenging and fulfilling job. In addition, pharmacy technician salary is very good compared to other degree courses. I'm sure you will want to find out more on the role of pharamcy technician.

Study dilemma

Study nowadays will be in dilemma when it comes to decision making on which course to study. Some poorer study will have financial difficulty to study in prestigious and expensive university. Well, they may apple for study loan or scholarschip if their result is very good.

In my opinion, student should choose the course that suit their interest. Do not go for courses that most of your friend choose, buy you do not have interest in it. You can try to consult school's counselling unit for more advise. Try to search from the internet regarding the courses that you want to study. Also, you can attend those education fair, and get to talk with representative from various universities to find out more about their course and tuition fees.

Tuesday, April 01, 2008

Degree in Pharmacy

Nowadays, there are more and more people applying to study for a degree in Pharmacy. What makes them so interested in the course of pharmacy? There are a few factors, such as the salary of a fresh graduate is very high compared to other courses (apart from doctor and dentist). Then, our country now is lacking of pharmacist. So, there is high demand for pharmacist and when the demand is high, they will be more respected and will be paid with higher salary.

In Malaysia, there are a few colleges or universities that offer degree of pharmacy. Below is the list:
  • International Medical University (IMU)
  • University College Sedaya International (UCSI)
  • Nottingham University
  • Asian Institute of Medical Science and Technology (AIMST)

Penis Enlargement Products

Some guy will think that their penis is small. Well, this may reduce the confidence during the intercourse. For those wishing to know more on penis enlargement, there is medical device that can help to extend penis naturally. It also helps to improve the blood flow to penis.

The website also offer the best penis enlargement pills in the market. It has both the natural and herbal ingredients that has been used for years to treat erectile dysfunction. So, why wait and bother if you have the problem? Just check out their website now for penis enlargement.