Smart Travel On Cheap Price

Plan your vacation and visit Matta Fair at PWTC. I'm sure many of us would love to travel but the problem is $$$!!! Don't worry now we can plan our vacation with cheap travel packages at Matta Fair. You can decide the destination and choose the date that you preffer. Hurry up... today until 7 September only.

Here are some information about Matta Fair in The Star Friday September 5, 2008.

Higher fuel prices won’t deter travellers, says Matta

KUALA LUMPUR: Malaysians will still travel within and outside the country despite higher fuel prices but they will travel less than before, according to Malaysian Association of Tour and Travel Agents (Matta). Matta president Ngiam Foon said domestic and Asian regional travel would definitely be more popular among the people. He said the travel shift from Europe to Asia had been going on over the last one or two years, which could be seen through the consumer buying pattern. “Destinations like China, South Korea and Taiwan will continue to be popular because of the pricing.

Fare fair: (From left)Ngiam, organising chairman Datuk Mohd Khalid Harun and deputy organising chairman Mr. K. Narayanan.

“After the Olympics, people are already starting to think about travelling to certain parts of China,” he said here yesterday.
“Malaysians have made travel as part of our lifestyle. On that basis, I’m confident that people will still travel despite the fuel hike except that they will watch their wallet a bit.
He said those who saved retirement money for long haul trips to Europe would continue with their plan for their once-in-a-lifetime travel.
On whether travel to Thailand would be affected by the anti-government street protests, he anticipated that there would be a minor impact but Malaysians particularly businessmen would continue to go to Thailand.

Asked whether prices of travel deals had gone up for the fair because of the fuel surcharge increase, he said: “I don’t think it will be more than 10%.”
The projected sales turnover for the three-day fair is RM80mil while the expected visitor turnout is 70,000 as opposed to RM95mil and 75,000 visitors for the fair in March.
There will be more than 200 exhibitors occupying 880 booths during the fair, which begins today until Sept 9 at Putra World Trade Centre.

The Lowest Investment Amount RM1.20

Newspaper is a good investment. We get to know updated news and make us alert with things happen in our country and in the world. I'm prefer The Star and I think this is the best newspaper with RM1.20 from Monday to Friday and RM1.50 for Saturday to Sunday. Investment less than RM2.00 per day! This amount is cheaper than our breakfast.

I'm strongly agreed that paying a little more attention to the newspaper advertisements really helps us to save especially when we go out shopping for household items. As per stated in The Star on last Sunday newspaper is the best media to find the best bargains. Just go through the newspapers and look out for promotions that the hypermarkets are having. Almost everyday hypermarkets update their promotions such as Tesco, Carrefour, Giant, The Store, etc. This is very good for consumer because they can compared the prices between the hypermarkets.

Do you know what is the benefit with the minimum investment RM1.2o? Beside information's and knowledge we can sell our old newspaper. So.. don't forget to sell your old newspaper!.

Interest Rate Changes To Credit Cardholders Effective July 1

Plan that’s of interest to credit cardholders

By M. KRISHNAMOORTHY

The Star Wednesday July 9, 2008

KUALA LUMPUR: Credit cardholders will have reason to smile, as the stiff 18% per annum interest rate has been reduced effective July 1.
Bank Negara has introduced a tiered interest rate to reward cardholders who pay their monthly statements before the due date.
For those who pay their credit card bills promptly for 12 consecutive months, the interest rate is reduced to 15% per annum. The cardholder will get to enjoy the lower interest rate from the 13th month.
For those who pay promptly for at least 10 out of 12 months, the interest rate is be lowered by 1% to 17%. The ceiling rate of 18% per annum will still be applicable for other cardholders.
The comforting news is that cardholders do not have to settle the outstanding amount in full – they need to pay only the minimum amount involved.
Credit cardholders have been informed of the new-tiered interest rate structure by their respective banks.
An Association of Banks Malaysia official said Bank Negara had introduced the tiered finance charges to promote more prudent financial management among credit cardholders.
On average, one-third of 2.7 million credit cardholders use their credit cards as a payment instrument, settling their credit card outstanding amount in full every month.
Over half the cardholders pay at least the minimum amount due promptly and roll over the remaining balance. .
It was reported earlier that from July 1, credit cardholders who make minimum or partial repayment of their monthly outstanding amounts would no longer enjoy the 20-day interest-free period for new retail transactions.
However, those who settle their credit card outstanding amounts in full every month will continue to enjoy the interest-free period.

Debts and Ah Long

Today The Star newspaper had mention about debts and Ah Long. Mother 65 years old depression because Ah Long threatened her to pay back her son's loan. However she has told Ah Long that she don't have money. Why she need to responsible for her son's loan. Based on news stated in The Star her son's taken loan with 19 Ah Long which is amounted to a debt of over RM140,000. This is a big amount.

Inflation! How to handle?

Increasing price of petrol by RM 2.70 litre and with the cost living going up... what is the best way for us to keep our financial health? Do we need to change our lifestyle? Do we need to do part time job? Do we need to stop cutting our meals? Do we need to ask bosses to increase the salary? All this things must change but how much can we change? Salary increment is not in our control. Petrol price increase by 40% but salary increase less than 10%. How can we survive.

I'm very scared when think about inflation. I think I will start to dining at home for 3 meals.... sound quite boring right? But we must start to practise this. One more thing is shop smart and look out for bargains and sales items only.

Handphone FAIR

Due to living cost are getting higher and we are fighting with inflation so we need to shop smart. There will be a handphone fair (1st in Malaysia ) where all major brands like LG, Nokia, Sony Ericsson, I-Mobile, Motorola, Samsung and many more will be having discount up to 70%. Plus lots of freebies to giveaway (beverages, handphone accessories, Bluetooth, memory cards, etc) and handphone auction. Details as follows:

Date: 5th to 8th June 08
Time: 10am to 10pm
Venue: The Walk, PGRM, Jalan Cheras

This will be the only time where you can purchase your favourite handphone below costs. Don't miss it!!!!

Mutual Fund is the best place to invest

Currently government encourage us to use EPF money to invest. I just withdraw my EPF money to invest in Mutual Fund. It's very easy step to do that. Check your EPF from account 1. Submit your application form to unit trust company and wait for EPF approval. Invest in unit trust is a long term saving. Make your money growth and don't keep it in one basket.