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

Try give these stocks an eye ... MRCB : worth buying below 1.80, potential peak 1.90, can observe for another 3 trading days before making decision. UEMLAND : worth buying below 2.00, potential peak 2.08, observe another 5 trading days before decide. YTL :  -- do your own research -- MAS :   -- do your own research -- DIALOG, MAXIS : some recommended this but not me.

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 ...

why some idiot can earn money from stock market but some smartest analysts don't ?

I saw below list from facebook, do you know what they are !?!? 1. PKFZ RM12 billion 2. Submarine Commission RM500 million 3. Sime Darby RM964 million 4. Paya Indah Westland RM88 million 5. Pos Malaysia (Transmile) RM230 million lost 6. Eurocopter deal RM1 billion wasted? 7. Terengganu Stadium collapse RM292 million 8. MRR2 repair cost RM70 million 9. Maybank overpaid BII RM4 billion 10. Tourism - NYY kickback RM10 million 11. 3 paintings bought by MAS RM1.5 million 12. Overpayment by Sport Ministry RM8.4 million 13. London’s white elephant sports complex RM70 million 14. MATRADE repairs RM120 million 15. Cost of new plane used by PM RM200 million 16. InventQ irrecoverable debt RM228 million 17. Compensation for killing crooked bridge RM257 million 18. Loss in selling Augusta RM 510 million 19. Worth of APs given out in a year RM1.8 billion 20. Submarines (future Muzium Negara artifacts) RM4.1 billion 21. PSC Naval dockyard RM6.75 billion 22. The Bank Bumiputra twin scandals in the earl...

TOP Fix Deposit up to 12 months is Affin = 3.6% .  Most others are offering 3.1% to 3.2% so you should change your FD bank if they are still giving you 3% or below ... Monthly renewal FD is 3.05% from Affin, Bangkok Bank, Bank of Nova Scotia. Alliance offers the lowest car loan rate at 2.65% but it may goes up to 4.8% as well so it really depends on your negotiation skill. BLR hasn't changed much since Nov 2011, JP Morgan 6.2% , Royal Bank of Scotland and Bank of Tokyo offers 6.25%.  Most of the others are 6.5% to 6.6%. CIMB's AirAsia saver account offers 1.6% saving account interest while Maybank's Flexi Safer Plan offers 1.5%.  Most of the others are offering 0.X% HAPPY LABOUR DAY !! FREE INFO on Malaysia Best Rates

Matthew is refinancing his property @ 4.2%.  He will have an extra $100k.  So he is planning to buy a $100k car too.  The car loan is offering him 2.88%. Should Matthew use his home loan to buy this car or should Matthew take the car loan ? The answer, contradict to common comments, is actually home loan but . . . Assumption : 7 years loan Reason 1 If you take home loan approach, your monthly repayment is $1,376.11 If you take car loan approach, your monthly repayment is $1,430.48 You will have a better CASH FLOW  with the home loan approach. You pay less. Reason 2 If you take home loan approach, you have paid a total of $115,593 after 7 years If you take car loan approach, you have paid a total of $120,160 after 7 years You save a total of $4,567 with the home loan approach. So either way you analysis the comparison, it is BETTER to use the home loan to buy the car instead of getting the car loan. WHY ?  How can this be possible ?  How can 2.88% ...