Masakan Tradisional Indonesia

Ever seen easy money making offer ?  They are always very convincing - - - It even challenge you to leave, this is reverse psychology making us to feel that he really has something here . . . calls for action again, this is the most important step to close a sale. Reassure you it is EASY.  You earn money Right away even if you are dump.  Finally the number is out.  This is what they want from you. Quickly follow by wordings like "FREE" make sure you feel good again this should caught your eye, what to reinvest? is it a must?  I can't be all out?  Reassure you again its ok if you are dump The payment page is not a secure page, even the error message is wrong implying this page is modified from some other template related to phone!?  You are in !  Happy ?  You must be thrilled because you will be a millionaire soon ! So what are the catches ?  Well, don't curse them nor say they are cheating you.  Because they have already lay down th...

The following shows a list of a few currency compare to Malaysia Ringgit.  Basically the higher the graph the better it is for the Malaysian - "I can get more of their money with my money." In short ...  For those who earn Malaysia Ringgit, its good to go spend in USA and Indonesia .  On the other hand, those who are working in China and Singapore are laughing when spending their money back in Malaysia. USA Australia China Indonesia Philippine Singapore Thailand You can investigate more yourself by visiting to xe.com

MaLPF.com = Money And Love Personal Finance

Read this from Alan Tan's facebook, seems very meaningful to me.  So sharing here with you all ... By Alan Tan One day, an old man and his assistant arrived at a farming village. The old man gathered all the villagers and told them that he is in the business of buying and selling monkeys and that the reason why he has come to their village is becoz there is a forest next to that village which is infested with lots of monkeys. He told the villagers he would pay $10 for every monkey they bring him. So some of the villagers started to stop work on their farms to go into the forest to catch monkeys. They brought their monkeys to the old man and true enough, he paid them $10 for every monkey. Words spread and not long after, more and more of the villagers stopped working on their farms to go into the forest to catch monkeys. And they were all paid $10 for every monkey they delivered to the old man. Becoz more villagers were now monkey hunters, it became more and more difficult to catch ...

Tenaga Malaysia WILL charge you more if you have in-efficient electrical appliances, old wiring etc. at your home.

Dear Michael, While many people still think there is no such thing as FREE lunch in this world.  I have been having FREE lunches for more than 5 years now.  Not only that, I actually get paid when I eat.  Sometimes they even force me to bring a friend with me for FREE too ! Unlike some who thought I may have been keeping it a secret, I didn't !  I actually told my friends about it.  And remember ?  Sometimes I have to bring my friends to have the FREE lunch.  So I had to explain to them what it is all about. Most would guess that once people know it, people would go grab all these FREE lunches.  Normal people like you and I would have no chance of getting them at all !  But after years of having FREE lunches, I can tell you in confidence that on the contrary, I actually received calls begging me to go for some FREE lunches and I actually have to turn some of them down. There is NO special contacts needed, I am not any Datuk's son, no special ...

In a perfect world, everyone produce something. Farmers grow plants, feed chickens, fishermen catch fish, builder made homes etc. So we can sit together at night and enjoy a complete dinner in our nice homes. It was easy to know who is suppose to do what, who produces what. When there are too many fish caught, it has to be sold out of town. The fisherman doesn't have time to travel that far. So a delivery boy is helping the fisherman. The fisherman save time, hence catch more fishes and therefore its worth him paying the delivery boy. It is a value added chain, so service has become a part of perfect world too where everyone produce something, everyone produce some values . It gets a bit complicated cause service is not as easy to quantify as materials. But its still ok. A $1 fish may cost $2 in out of town because there are delivery cost incurred. Soon more delivery services are needed. It is not easy to decide which of the 100 delivery boys is most reliable. So a mana...

Budget is one of the very first topics in Personal Finance. Many may think budget is about control expenses but the true meaning of budget is to PLAN AHEAD . Although they may mean the same thing but actually it will leave a very different psychological effect. At one hand, one is focusing on 'expenses'. Controlling implicitly mean NOT to over spend it. This creates an internal conflict of "I want it but I can't have it". Whenever a control fails, its due to lack of discipline. The resolution is to control it better which is enforcing discipline. Enforcing discipline on a person who naturally does not have discipline is the internal conflict mentioned earlier. On the other hand, PLAN AHEAD would simply imply "I want it and I will get it". This is more target oriented and positive minded. Whenever a plan didn't materialize, one would have to plan better; as in "how else can I get what I want". This may further enhance one's cr...

From time to time we hear about how rich people donate their wealth away. Some donate whole of their wealth, some half and some donate just enough to optimize their tax planning. Most people would think that the rich has too much, hence they want to give some away since they can't use it anyway. That ... would be 20th century mind set. The fact is ... the rich who donates, is not only rich, but also smart rich. Whatever they have now, they can continuously have it at anytime. Hence it doesn't really matter if they give anything away tonight, they will have it again tomorrow morning. That would be the ultimate power of passive income, or smart income . Once you know how much you 'really' need, you 'find a way' to keep your needs fulfilled without doing anything much. Then whatever extra comes in is the one you can easily donate away without filling any pinch. Yet many will feel much appreciated because it means the whole world to them. So in short, you can...

21st century personal finance is moving away from saving and focus into the income arena. In short, the gurus are now educating public that saving is NOT good enough , hence sourcing for passive incomes on the another hand is a BETTER solution, than just saving alone. While the concept is definitely true and correct but unfortunately as the hypes go bigger and bigger, the idea of passive income has been abused and more scams started to appear in the market, as if they were the gurus as well. Except the 'passive income' they refer to is barely promoting their own original same old products. The personal finance market has become so competitive that even some real gurus have no choice but to go beyond the line in their marketing effort - Robert Kiyosaki is no exception in spreading " Saving is bad ". Although passive income is very well defined here using income ratio 1:100 but is there really such thing as Passive income ? When I looked up dictionary, these word...

EPF's interest calculation is one of the weird ones. Somehow they don't use the straight forward FV formula. Although it may seems like they are stupid and don't know math but the actual reasons are; 1) They don't really know how much to pay you until after financial closing at year end 2) your employer may submit your contribution to EPF LATE 3) legacy system left over from British colony time In short, EPF interest calculation is pro rated. So 1) Whatever you have left last year will enjoy full interest payment this year. ie. $100,000 x 4% = $4,000 2) Amount you save on 1st month will enjoy 11 month interest, 2nd month will enjoy 10 months interest etc. ie. in January $100 x 4% x 11 / 12 ie. in February $100 x 4% x 10 / 12 The exact words from KWSP » How is the EPF dividend calculated? In order to determine the dividend rate, factors that need to be taken into consideration include net income and total for 1% dividend at year-end. For example: Dividend Rate = ...

A short while ago, I wrote that charging MYR50 to credit card users is an ineffective way to reduce credit card debt. I even predicted that government would soon realize this mistake and relax in execution later on. Quite a few large finance institutions thinks the same too. But of course they have their own agenda. But I was wrong. Life is never monotonous. Personal Finance is NOT just about personal and finance. If you live on a land that has a country name, there are politics. And Politics matter, especially in this case. This is my Right ! I can DO THIS and I AM DOING IT !! Perhaps we push too fast, too strong and making our finance ministry looks like a fool. Hence, our TOP decision maker has now publicly declared that HE is going to charge the MYR 50 NO MATTER WHAT ! Rumors or insider news, bankers are warn NOT to absorb the MYR 50 or else they will face indirect penalty withdrawing other facilities have been given to them. HE is very determined to collect this MYR 55...

Nowadays taxi drivers in Malaysia love to use Meter to calculate the fares, in contrast to before where they would ask for a fix fee when passengers hop on their cab. This is because they would earn so much more simply by using the new taxi fare system. The fee is MYR 3 for the first kilometer and then MYR 1.74 for every kilometer there after. As many may have known, public transport in Malaysia is not exactly efficient. One of the problems is the location of varies train stations. Generally and averagely speaking, a person may need to travel 2-4 kilometers before reaching a station. That would be half an hour to one hour walking time. If one doesn't have that time or the stamina, she will have to take a taxi. That would be MYR 6.50 for one person one way excluding reservation or call surcharge. Return would be MYR 13. MYR 65 / week, MYR 260 a month and more than MYR 3,000 a year. What is your distance to the nearest public transport station other than bus station ? old tax...