tag:blogger.com,1999:blog-52226631716918065652024-03-17T15:24:39.470+08:00Malaysia Personal FinancePersonal Finance, Stock market, Investing, Insurance, Mutual FundMt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.comBlogger408125tag:blogger.com,1999:blog-5222663171691806565.post-40364207522865957312022-09-12T21:50:00.003+08:002022-09-12T21:50:14.892+08:002020 - 2024 必知<p> 以前牛市来了熊就走了,熊来了牛就休息了。可是现在万星逆转,牛熊共存。以前黄金可以保值, 股市动荡可以买债券安然度过,现在这些都不一定了。 以前的【克勤克俭】也不一定能够度过这次难关了。 明明产业开始衰落可是偏偏机会越来越多。骗局或机会很难分辨,因为骗子真心以为自己很诚实(尤其是政治)。 这两三年里会一直转变,真真假假分不清楚,也是我们人类思想共同大爆发的年代。学的越快,实践越多的人就比较有机会超越了。 </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSlqoWFQ_103_XU5335Hb13L4lIYdrS75SrUSsQjccxpFlUh8PA40g-fo32TpKPRaJ7ZyYL3vBsIbtudTEzMCd-gNzNaQysdj8GEYI3dmLDLGyG2KiN3H4WNuB2qMVUhkLeX0eukTT-TljsftAtuMnpEe6zwQmES3COr2-T7LJOYvzyvd4_rqmRl3i/s474/period9stars.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="210" data-original-width="474" height="142" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSlqoWFQ_103_XU5335Hb13L4lIYdrS75SrUSsQjccxpFlUh8PA40g-fo32TpKPRaJ7ZyYL3vBsIbtudTEzMCd-gNzNaQysdj8GEYI3dmLDLGyG2KiN3H4WNuB2qMVUhkLeX0eukTT-TljsftAtuMnpEe6zwQmES3COr2-T7LJOYvzyvd4_rqmRl3i/s320/period9stars.png" width="320" /></a></div><br /><p><br /></p><div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com0tag:blogger.com,1999:blog-5222663171691806565.post-37288520428964230392021-10-27T09:01:00.003+08:002021-10-27T09:05:42.938+08:00Review on SunLife insurance in Malaysia as of Oct 2021<p>Since SunLife turns out to be the <a href="http://malaysiapersonalfinance.blogspot.com/2021/10/malaysia-life-insurance-mobile-search.html">MOST useful online life insurance</a>, let's take a look at what they offers. It is a gem in term life category and I predict they maybe taken down soon so make your own move and judgement fast!<span></span></p><a name='more'></a><span><br />SunLife offers 3 plans (each with Takaful option)</span><p></p><p></p><ul style="text-align: left;"><li>Life</li><li>Top 3 Critical Illness - Heart Attach, Stroke and Cancer</li><li>Hospitalisation income</li></ul><div><span style="font-size: large;">eSsential Life</span> is FANTASTIC especially for up to age 39 where they covers up to RM 653 for every RM 1 premium paid. Value of money starts to normalise age 50 onwards where cover ratio is 151. So for young people who believe in <a href="https://malaysiapersonalfinance.blogspot.com/2008/10/buy-term-invest-rest.html">Buy Term Invest the Rest</a> this is a prefect tool!</div><p></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhdyyjJo5rwL1F_mUJ0zoSdSb6IRFjO9sL5vIhL_znopBF_gcxlTtL4WjIJFdE6ITh0aWnfWpoJm3xkEod__ZyCkbEsyBjcltDacGvYf29vyX5tvOGvhs3FzopszqimBH9qpDJ29UeVjLE/" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="494" data-original-width="1471" height="214" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhdyyjJo5rwL1F_mUJ0zoSdSb6IRFjO9sL5vIhL_znopBF_gcxlTtL4WjIJFdE6ITh0aWnfWpoJm3xkEod__ZyCkbEsyBjcltDacGvYf29vyX5tvOGvhs3FzopszqimBH9qpDJ29UeVjLE/w640-h214/image.png" width="640" /></a></div><br /><span style="font-size: large;">eCritial Shield</span> is a very relevant term plan. Instead of covering all sort of diseases you <u><b>may get</b></u>, how about just cover the most probable one <u><b>will get</b></u>? They call it lifestyle illness which is kinda cute. Hence a much lower fee than most other Critical Illness plans in the market. Their fees increase gradually over the age so there is no significant benefitial entry age.<p></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjmoP97bcuKhkz9xGCCqjTJ9hrKQwghMmZZvomG-Ycie37UD4HmkNw33-MRPUUltnAOI1j9rYwrxM5e6luCTTNmXxdrEpBbAZcBlAZf_lr0ud4Iz9z87W5J60jWDeBIQq2iVjSJHrXcUSo/" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="744" data-original-width="1333" height="358" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjmoP97bcuKhkz9xGCCqjTJ9hrKQwghMmZZvomG-Ycie37UD4HmkNw33-MRPUUltnAOI1j9rYwrxM5e6luCTTNmXxdrEpBbAZcBlAZf_lr0ud4Iz9z87W5J60jWDeBIQq2iVjSJHrXcUSo/w640-h358/image.png" width="640" /></a></div><p><br /></p>I couldn't find the fine prints for their <span style="font-size: large;">MediCare Income</span> ie. how many days will they pay per sickness or admmission etc. so I couldn't justify if this is a good plan. However, generally it is not a good idea to buy term for your hospitalisation coverage.<p></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjg3D8Rc8xzreESlfhJKPygEODiFmioBwYmcLVgDzbGjtwETi4qzcKjcSKfvLH5Xfm64suLNAcwou2h1UpUtf7G3rGGHRfCZ_q4xH2O6Thi5z3TsuGZyJWA5xeFfxfnJc3Fo0iQIMvsAlw/" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="493" data-original-width="1457" height="216" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjg3D8Rc8xzreESlfhJKPygEODiFmioBwYmcLVgDzbGjtwETi4qzcKjcSKfvLH5Xfm64suLNAcwou2h1UpUtf7G3rGGHRfCZ_q4xH2O6Thi5z3TsuGZyJWA5xeFfxfnJc3Fo0iQIMvsAlw/w640-h216/image.png" width="640" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><br />So overall it's impressive SunLife makes it simple and straight to the point, without confusing marketing gimmics. Thumbs up for that!<div><br /></div><div>Do get reminded the <span style="color: red; font-size: medium;">most important part of insurance is the claim process</span>. Generally Term Insurance claims would be less friendly and most probably there is no professional serving you if you buy online. Hence do take note only adopt into this kind of plans when you yourself is equiped with the know how in term of claim process; which in this case make sure your benefitiary or executor knows exactly what to do when you pass on. Else a few months after you are gone and the premium is not paid, the plan will auto lapse and nothing left for anyone.</div><div><br /></div><div><span style="font-size: medium;">Has anyone experienced SunLife claim process before ?</span><br /><br /><p></p></div><div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com0tag:blogger.com,1999:blog-5222663171691806565.post-51573657911594966762021-10-25T14:26:00.006+08:002021-10-27T09:06:37.238+08:00TOP 1 Malaysia Life Insurance "MOBILE" search in Oct 2021<p> In contrast to the <a href="http://malaysiapersonalfinance.blogspot.com/2021/10/malaysia-life-insurace-web-search-in.html#more">web search</a>, the mobile search on Malaysia Life Insurance yield a different results and there is <span style="font-size: medium;">only ONE winner</span> !<span></span></p><a name='more'></a><p></p><p></p><ol style="text-align: left;"><li>Great Eastern</li><li>AIA</li><li><span style="color: red;">Sunlife</span></li><li>Etiqa</li><li><span style="color: red;">Prudential</span></li><li>Allianz</li><li><span style="color: red;">Manulife</span></li><li>AXA</li><li><span style="color: red;">HLA</span></li></ol><div>As some have already been covered in <a href="http://malaysiapersonalfinance.blogspot.com/2021/10/malaysia-life-insurace-web-search-in.html#more">Top 5 Web Seach</a>, here we will cover the other 4 in <span style="color: red;">red</span></div><div><br /></div><h2 style="text-align: left;">Sunlife</h2><div>1st shows online insurance, talk to someone or login. A good mobile top view. If someone miss that, the subsequent is a drop down box linking to calculator, enquiry, buy online and agents enquiry which I think is also great. Below that is a lifeline highlighting what your main concerns might be if you are 20s, 30s, 40-60 etc.</div><div><br /></div><div>Click on online insurance shows 6 plans with clear and precise naming; takaful plans ends with an <span style="font-size: medium;">-i</span></div><div><ul style="text-align: left;"><li>eSsential - covers Death, TPD from 50k to 500k</li><li>eCritical - covers a few key critical illness related to lifetyle from 50-250k</li><li>eMedicare - offers hospitalisation daily inome from RM 100 to RM 200</li></ul><div>Rates can be obtained instantly online </div></div><h2 style="text-align: left;">Prudential</h2><div>Shows over simplify marketing messages wasted valuable screen space, shows 5 plans after that. <b>PruTerm </b>is standard term while <b>Premier </b>has the flexibility to choose from 5 to 63 years terms. All info is not much helpful, their goal is to talk to someone but the contents do not invite so.</div><h2 style="text-align: left;">Manulife</h2><div>1st view tells us "What is Insurance" which is a waste of screen space. Manulife focus on terms and hows 3 terms plans. No useful info is provided and they wanted us to talk to them but no content raise my urge to do so at all.</div><h2 style="text-align: left;">HLA</h2><div>Top view notify us a branch is moving but how many web visitor cares about Bukit Mertajam? Then a video takes over the rest of the view. Scroll down shows Buy Online and Get Covered Immediately which is a good catchy key words - follows by 3 plans. </div><div><br /></div><div>Click on the plans, select age, gender and area concerns me the most then the <span style="color: red;">page is not found</span>.</div><div><br /></div><h1 style="text-align: left;">Summary</h1><div>Hands down no comparison at all <span style="font-size: large;"><a href="https://malaysiapersonalfinance.blogspot.com/2021/10/review-on-sunlife-insurance-in-malaysia.html#more">Sunlife </a>wins all </span>even to GE and AIA; especially in term of clarity, transparency and simplicity. </div><div><br /></div><div>but Sunlife site has a very weird behavior, the 1st time you visit their site it will show no found but just browse again and their contents will show up ...</div><div><br /></div><div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXo3QwFZX_C4B2xh25geC1djlLPTgqhBH4b0vHbaYW2jVYTgw_28rM5uASzypi9hElVnPlFigkAuN_f_k5gjapSWcwF-Sc83jAs6uG6MBAzSxBGqxDJZh1b8qpcF6ePnAwLAAksd80M9M/s1021/sunlife.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="441" data-original-width="1021" height="138" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXo3QwFZX_C4B2xh25geC1djlLPTgqhBH4b0vHbaYW2jVYTgw_28rM5uASzypi9hElVnPlFigkAuN_f_k5gjapSWcwF-Sc83jAs6uG6MBAzSxBGqxDJZh1b8qpcF6ePnAwLAAksd80M9M/s320/sunlife.png" width="320" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><br /></div><br /><br /></div><p></p><div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com0tag:blogger.com,1999:blog-5222663171691806565.post-52603873021276046752021-10-25T12:33:00.006+08:002021-10-27T09:09:41.850+08:00TOP 5 Malaysia Life Insurace Web Search in Oct 2021<!--####### THIS IS A COMMENT - Visible only in the source editor #########-->
<p>A search on <strong>Malaysia Life Insurance</strong> on Oct 2021 shows the following insurance companies on 1st page search result <em><span style="color: #999999;">(excluding portals and independant organizations)</span></em>; <span style="background-color: #ffff99;">AIA - Etiqa - Great Eastern - AXA - Allianz</span>. Interesting list and let's see which is most approachable in digital world.<span></span></p><a name='more'></a><p></p>
<p>Most have a good landing page direct to the sub topic Life Insurance implying all have good wareness on digital world. Most of the plan names are also too arbituary does not assist selection easily. There is no consistency in term of the name used in their plans.</p>
<h3><strong>AIA</strong></h3>
<p>AIA goes straight to the point - <strong>Budget & Coverage</strong> and direct you to a calculator which basically determine how much death and critical illness you should have with your leftover income. Then it shows 15 life plans with age and takaful filters. For example, it shows only 6 plans for age 70 and 9 plans for infants.</p>
<p>The most useful info is their Term Life </p>
<table style="margin-left: 30px;">
<tbody>
<tr>
<td> age 20 </td>
<td> RM 260 <span style="color: #999999;">covered for every RM 1 paid yearly </span></td>
</tr>
<tr>
<td> age 45</td>
<td> RM 172 <span style="color: #999999;">covered for every RM 1 paid yearly</span></td>
</tr>
</tbody>
</table>
<p>summary of some of their plans;</p>
<ul>
<li><strong>Lifelink2</strong> is for budget</li>
<li><strong>Life Wealth</strong> <em>(<span style="color: #999999;">2 plans</span>) </em>rewards more in long run and comes with their <strong>Vitality</strong> program;
<ul>
<li>Life Wealth<strong> Builder</strong> has more flexibility to choose funds</li>
</ul>
</li>
<li><strong>Kasih Family</strong> is the older all in 1 <span style="text-decoration: underline;">takaful</span> plan with rate tiers info available online</li>
<li><strong>Legasi Builder</strong> seems like the new all in 1 <span style="text-decoration: underline;">takaful</span> plan with long terms rewards</li>
<li><strong>Ikhtiar</strong> <em>(<span style="color: #999999;">2 plans</span>)</em>is standard life coverage where
<ul>
<li>Ikhtiar <strong>Child solution</strong> has kids riders</li>
</ul>
</li>
</ul>
<h3>Etiqa</h3>
<p>Etiqa uses color to distinguish takaful vs standard plans, they also use icon to hint family vs individual plans which is quite cute. However, overall there is not much useful info except to contact them.</p>
<ul>
<li><strong>Protect88</strong> is a simple life plan pay back your premium+ at maturity</li>
<li><strong>Life Secure</strong> is key man insurance for businesses</li>
</ul>
<!--####### THIS IS A COMMENT - Visible only in the source editor #########-->
<p> </p>
<h3><strong>Great Eastern</strong></h3>
<p>GE shows 13 life plans with precise and good 3 pointers differetiating each plan. There isn't any online interaction helping to choose but you may contact help at the end. Naming is bad too as you see below, vantage and legacy are confusing names as they cover differect things in different plans.</p>
<p>Some useful info extracted;</p>
<ul>
<li><strong>Term</strong> covers up to age 80 </li>
</ul>
<table style="margin-left: 30px;">
<tbody>
<tr>
<td style="width: 77.7344px;"> age 20 </td>
<td style="width: 334.016px;"> RM 523 <span style="color: #999999;">covered for every RM 1 paid yearly </span></td>
</tr>
<tr>
<td style="width: 77.7344px;"> age 45</td>
<td style="width: 334.016px;"> RM 273 <span style="color: #999999;">covered for every RM 1 paid yearly</span></td>
</tr>
</tbody>
</table>
<ul>
<li><strong><span style="color: red;">Vantage</span>Care</strong>(VC) implies critical illness(CI) coverage, <strong>Early </strong>VC2 plan is newer and covers more.</li>
<li><strong>Prime </strong><span style="color: red;">Vantage</span> is for people above 40 years old and not really a CI cover</li>
<li><strong>110 <span style="color: #339966; text-decoration: underline;">Legacy</span></strong><span style="color: #339966; text-decoration: underline;"> </span>is like term life covers up to age 80, pay back 110% of Sum Assured for the last 10 years should you survive.</li>
<li>SmartProtect <span style="color: #339966; text-decoration: underline;">Legacy </span>Max is nothing like that, <strong>SmartProtect </strong>series are Investment Link plans</li>
<li><strong>Life Gift</strong> pays you back your premium upon non accidental death/TPD within the first few years and cover ratio is RM 294 per RM 1 paid yearly, covers up to age 80</li>
<li><strong>Generation Care</strong> allocates 10-20% of your Sum Assured to cover your kids and parents CI too, rate tables are shared in <a href="https://www.greateasternlife.com/content/dam/great-eastern/my/homepage/personal-insurance/our-products/life-insurance/great-generation-care/great-generation-care-brochure.pdf" rel="noopener" target="_blank">the brochure</a></li>
</ul>
<h3> </h3>
<!--####### THIS IS A COMMENT - Visible only in the source editor #########-->
<h3><strong>AXA</strong></h3>
<p>AXA goes direct to buy term life page is a great action calling digital strategy as they only have one plan. The layout is good with details info, even the contract and claim process are clearly spell out. There is a whatsapp chat too enabling further discussion outside the web. Ther term covers up to age 80 ;</p>
<table style="margin-left: 30px;">
<tbody>
<tr>
<td style="width: 77.7344px;"> age 20 </td>
<td style="width: 334.016px;"> RM 526 <span style="color: #999999;">covered for every RM 1 paid yearly </span></td>
</tr>
<tr>
<td style="width: 77.7344px;"> age 45</td>
<td style="width: 334.016px;"> RM 247 <span style="color: #999999;">covered for every RM 1 paid yearly</span></td>
</tr>
</tbody>
</table>
<h3> </h3>
<h3><strong>Allianz</strong></h3>
<p>Alianz has good layout with products info, docs and recommendations that are more like up sell. They have colorful icons but no significant meanings. Products info details are incosistent and most do not have proper product specs, just brochures with 3 languages in one.</p>
<div>
<div>useful info extracted:</div>
</div>
<div>
<ul>
<li>i-<strong>EssentialCover </strong>up to 10 years: cover ratio is RM 181 to 453 per RM 1 paid yearly for 45 and 20 years old respectively, can buy online</li>
<li><strong>KasihHayat </strong>up to age 71: cover ratio is RM 151to 344 per RM 1 paid yearly for 45 and 20 years old respectively</li>
<li><strong>MoneyBack </strong>pay 6 years premiums with money back cover 15 years </li>
<li><strong>1Cover</strong> cover ratio is RM 62 to 238 per RM 1 paid yearly for 45 and 20 years old respectively but unsure what the risks are covered</li>
<li><strong>PowerLink </strong>is the investment link all in 1 products</li>
</ul>
</div>
<!--####### THIS IS A COMMENT - Visible only in the source editor #########-->
<h2>Summary</h2>
<div><span style="font-size: medium;"><b>Great Eastern</b> and <b>AXA </b>turns out to be the most appealing choices.</span> AXA is direct to the point selling only one term life online. Although Great Eastern also does not have easy to recognize plan names but the description are all meatful 3 points - straight to the key differentiation. The hilite "available online" is a good small gesture.</div>
<div> </div>
<div>Follows by <b>Allianz </b>also has clear description showing the key points of their plans. Unfortunately some of their info is totally useless and quite a number of them did not clearly specify what risks are covered, although Allianze is the one showing the most rate tables.</div>
<div> </div>
<div><b>AIA </b>and <b>Etiqa </b>although also have descriptions but they are more marketing oriented and showing non essential points. With AIA slightly better with its popular/takaful filters.</div>
<div> </div>
<div>Other search result further than page 1 are; </div>
<div>
<ol>
<li><b>Tokio Marine</b></li>
<li><b>HLA</b></li>
<li><b>Manulife</b></li>
<li><b><a href="https://malaysiapersonalfinance.blogspot.com/2021/10/review-on-sunlife-insurance-in-malaysia.html#more">Sunlife</a> </b><span style="font-size: x-small;"><i>(suprisingly is <a href="https://malaysiapersonalfinance.blogspot.com/2021/10/malaysia-life-insurance-mobile-search.html">the TOP best online life insurance, especially in mobile search</a>)</i></span></li>
<li><b>Gibraltar - BSN</b></li>
<li><b>Ambank </b></li>
<li><b>OCBC</b></li>
</ol>
</div>
<div> </div>
<div>Any Malaysia Life Insurance companies you know of that d<span style="color: red;">oes not even show up here</span> ?</div><div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com0tag:blogger.com,1999:blog-5222663171691806565.post-87851247205342018012021-09-03T18:36:00.002+08:002021-10-25T12:38:31.167+08:00What do you look forward to in 2021 Personal Finance ?<p><span></span></p><a name='more'></a>Pardon the long silence ... A lot had happened other than Covid19 pandemic. After 21 years marriage my spouse decided to join heaven, had a 9 months stroke and left last year. Despite being a master planner, it still took a hit myself. Despite bounce back in no time, my soul still left a dent.<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiBrQXIjU7HiFFvDeSM_SOF3Q9B0htKBM-ZsS4mOk8TTFkvUuOgHQ2yWKOj-o31SMdF4h6Li_1AVt1tqULh2OCXCkBNXhKurW4wIGnrmAaOCENrYLadHBcsCvoYNPDj13xGkzj6f1DpuUY/s474/deathMoney_.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="192" data-original-width="474" height="130" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiBrQXIjU7HiFFvDeSM_SOF3Q9B0htKBM-ZsS4mOk8TTFkvUuOgHQ2yWKOj-o31SMdF4h6Li_1AVt1tqULh2OCXCkBNXhKurW4wIGnrmAaOCENrYLadHBcsCvoYNPDj13xGkzj6f1DpuUY/s320/deathMoney_.jpg" width="320" /></a></div><br /><p><br /></p><p>As age catches up, I found myself left out by the technology era. Does blog still valid ? Has youtube formula matured up or still evolving ? Is it time to wind down American eco system and start to adopt China's era tech ?</p><p>I still have a lot of contents I could share but I lose out the time to learn new tools and actually spent time creating the content for sharing. Despite after leaving this blog silence for 10+ years, it still survive by itself so I guess it might still be a good asset to the public. Hence I am calling out for helps from anyone especially the younger generation who are interested to manage and continue contribute under this blog name</p><p></p><blockquote>Malaysia Personal Finance.blogpsot.com</blockquote><p></p><p>Lastly, just curious what are you looking foward to in Personal Finance nowadays ? Do share so I could prioritise what content to share.</p><div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com0tag:blogger.com,1999:blog-5222663171691806565.post-66007526895998276562020-10-17T16:36:00.000+08:002021-09-03T18:02:51.646+08:00Which Blockchain did you choose and why ?In 21st century it is hard to distinguish a financial goal by traditional means; <span><a name='more'></a></span>are you investing? trading(speculating)? or just don't want to be left out in Modern Economy? <div><br /></div><div> Are you protecting your assets(insurance), saving your "money" or are you investing ? </div><div><br /></div><div>What are Modern Economy and what does blockchain got to do with it? </div><div><br /></div><div> Sounds like too many questions to digest at one time, below is just one of the simple summaries (but some may take months/years to digest)</div><div><br /></div><div>Modern Economy has moved beyond countries, banks and governance. Most of the digital finances are now are 'more or less' adopting blockchain technology. Below shows the whole crypto overview at the time of writing;</div><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhP5atmmPEI19zyOzsRq-QlPbmdTWiN3yA7TB73f-lRTq-j__PAEJXSJj0dHbNs3RXKn1aGKR9kzQ3WPJdzm_lEh0tplAz-zyZTtBloXuXFmw-NuQSeZbyT7Jxo7mp2w_XfI9y4hm_U-x0/s1440/digitalMoney.png" style="display: block; padding: 1em 0px; text-align: center;"><img alt="" border="0" data-original-height="706" data-original-width="1440" height="196" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhP5atmmPEI19zyOzsRq-QlPbmdTWiN3yA7TB73f-lRTq-j__PAEJXSJj0dHbNs3RXKn1aGKR9kzQ3WPJdzm_lEh0tplAz-zyZTtBloXuXFmw-NuQSeZbyT7Jxo7mp2w_XfI9y4hm_U-x0/w400-h196/digitalMoney.png" width="400" /></a><br /></div><div>As you can see, BTC & ETH are used as benchmark while all the rest are categorized under Others.</div><div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com0tag:blogger.com,1999:blog-5222663171691806565.post-907134641086497152020-05-05T13:57:00.000+08:002020-05-05T13:57:53.445+08:00Term Insurance vs Investment Link in 2020Back in 2008, I wrote about <a href="http://malaysiapersonalfinance.blogspot.com/2008/10/buy-term-invest-rest.html">Buy Term Invest the Rest</a>. Is it still a good strategy now; 10+ years later? Well, let's take a look; :-<div><span><a name='more'></a></span>In the past insurance is insurance and mutual fund is mutual fund. So in order to optimize your personal finance portfolio you might want to use the smallest amount to buy just enough term insurance as protection (<a href="http://malaysiapersonalfinance.blogspot.com/2008/09/how-about-insurance.html">against your goals/targets</a>) and then invest the rest of the money in mutual fund. In general, you would get higher return than just putting all money into the same insurance company itself.<div><span><br /></span></div><div>World has changed rapidly since then and today one of the most popular insurance is Investment Link - which is also a form of <i>Buy Term invest the Rest </i>but managed by the same insurance company/group itself. <a href="http://malaysiapersonalfinance.blogspot.com/2008/10/insurance.html">I called it hybrid back in 2008</a> but now it is commonly known as Link Policy - linking insurance to mutual fund.<br /><br />Below is a sample of term insurance vs link policy with only life coverage. They are not exactly apple to apple comparison but the cloest possible. In short; for the same coverage RM 165k, term insurance premiume is RM 1,802 while for link policy it is only RM 1,200</div></div><div></div><div><div style="text-align: center;"><br /></div><div><div style="text-align: center;">Link Policy SA 165k pay <font color="#e67c73"><b>RM 1,200 </b></font>12 years</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg63ndMku-cMjv4JGirELqq8slwplGoXrVWC9cMbw6SOOl1C0ma6vao8qdB6B4pAllSuhBEjc10TlGv3yR-gsXrI8HansvlajNiTZ5ogXm2bL3UdRxTIYTaxddYtGc-tDrgAWoyhJPtk2Y/" style="margin-left: 1em; margin-right: 1em;"><img alt="Link Policy SA 165k pay RM 1,200 12 years" border="0" data-original-height="554" data-original-width="1601" height="139" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg63ndMku-cMjv4JGirELqq8slwplGoXrVWC9cMbw6SOOl1C0ma6vao8qdB6B4pAllSuhBEjc10TlGv3yR-gsXrI8HansvlajNiTZ5ogXm2bL3UdRxTIYTaxddYtGc-tDrgAWoyhJPtk2Y/w400-h139/link+165k.png" title="Link Policy SA 165k pay RM 1,200 12 years" width="400" /></a></div><br /><div class="separator" style="clear: both; text-align: center;">Term SA 165k pay <b><font color="#e67c73">RM 1,802</font></b> 12 years</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEir573I9CoUM_CYB1foN9ZVw9pL0sYslpQbf2SgJpkXDkM3G6_fu4ronEcpjdSVfE1lzx_kQZUidM1NCRdP5twCukhuw8t1Yrmgzb-4KsgdE-prcHvW_Fy-x3q1ljnnbb7iHE_FBqDMFg4/" style="margin-left: 1em; margin-right: 1em;"><img alt="Term SA 165k pay RM 1,802 12 years" border="0" data-original-height="560" data-original-width="1142" height="196" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEir573I9CoUM_CYB1foN9ZVw9pL0sYslpQbf2SgJpkXDkM3G6_fu4ronEcpjdSVfE1lzx_kQZUidM1NCRdP5twCukhuw8t1Yrmgzb-4KsgdE-prcHvW_Fy-x3q1ljnnbb7iHE_FBqDMFg4/w400-h196/term165k.png" title="Term SA 165k pay RM 1,802 12 years" width="400" /></a></div><div><br /></div></div></div><div><div style="text-align: center;"><font size="4">So even if you only want protection, </font></div><div style="text-align: center;"><font size="4">getting a </font><u><font size="6">link </font></u><font size="4">policy is significantly </font></div><div style="text-align: center;"><font size="4">better than </font><u><font size="6">term </font></u><font size="4">insurance!!</font></div></div><div style="text-align: center;"><font size="4"><br /></font></div><div>Ofcourse this will require more studies and comparison depends on age, coverage amount, different insurance companies etc. The message is there are many products in the market nowadays, simple concept may not be able to help you optimize your portfolio anymore, more details study is needed. There are many reasons and factors behind this but in short, link policy is newer product than term. Usually newer products are more relevant in today's challenges than older products.</div><div><br /></div><div>However, buy term invest the rest is still very relevant. For example, you may want to consider group term instead of just normal term insurance offered by a typical life insurance company.</div><div><br /></div><div>What do you think ? Do you prefer term of link policy nowadays ?</div><div><br /></div><div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com1tag:blogger.com,1999:blog-5222663171691806565.post-53040964305724913752017-05-10T21:58:00.001+08:002020-05-04T20:28:43.942+08:00Is that investment scheme legal ?<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-size: 10pt;">Dear Sir, <o:p></o:p></span></div>
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<br /></div>
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<span style="font-size: 10pt;">We refer to your email dated
XX May 2017 on the above.</span> <span style="font-size: 12pt;"><o:p></o:p></span></div>
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<br /></div>
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<span style="font-size: 10pt;">For your information, if the
investment scheme clearly offers an investment opportunity by collecting deposits
from the public and investors are promised investment returns within a certain
period of time,<span><a name='more'></a></span> whereby the original investment will be refunded, it maybe
contravene Section 137 Financial Services Act 2013 (FSA). This investment
activity is against the law and you are investing at your own risk. Please
invest only with licensed financial institutions only. <o:p></o:p></span></div>
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<br /></div>
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<span style="font-size: 10pt;">An easy way to identify and
verify whether or not a company is licensed by Bank Negara Malaysia (the Bank),
you can refer to the licensed institutions list on our website by following
this URL <o:p></o:p></span></div>
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<a href="http://www.bnm.gov.my/index.php?ch=relatedlink&pg=related_link&ac=269"><span style="font-size: 10pt;">http://www.bnm.gov.my/index.php?ch=relatedlink&pg=related_link&ac=269</span></a>
<span style="font-size: 12pt;"><o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 10pt;">If the company is <strong><span style="font-family: calibri, sans-serif;">NOT LISTED</span></strong> on our list
on the website, it simply means that the company is <strong><span style="font-family: calibri, sans-serif;">NOT LICENSED NOR APPROVED</span></strong>
by the Bank to offer any financial services or products.</span> <o:p></o:p></div>
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<br /></div>
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<span style="font-size: 10pt;">You may also cross check with
Securities Commission's (SC), Suruhanjaya Syarikat Malaysia (SSM) and Kementerian
Perdagangan Dalam Negeri, Koperasi dan Kepenggunaan (KPDNKK) on status of the
company via their website :</span> <span style="font-size: 12pt;"><o:p></o:p></span></div>
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<span style="font-size: 10pt;">1. </span><a href="http://www.sc.com.my/"><span style="font-size: 10pt;">http://www.sc.com.my</span></a>
<o:p></o:p></div>
<div class="MsoNormal">
<span style="font-size: 10pt;">2. </span><a href="http://www.ssm.com.my/"><span style="font-size: 10pt;">http://www.ssm.com.my</span></a>
<o:p></o:p></div>
<div class="MsoNormal">
<span style="font-size: 10pt;">3. </span><a href="http://www.kpdnkk.gov.my/"><span style="font-size: 10pt;">http://www.kpdnkk.gov.my</span></a>
<o:p></o:p></div>
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<br /></div>
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<span style="font-size: 10pt;">If you have any information
pertaining to illegal deposit taking activities or illegal foreign currency
dealings or a victim of such activities or scams you can send details of such
information or complaint together with the documents to the Bank as follows: <o:p></o:p></span></div>
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<span style="font-size: 10pt;">LINK & Regional Offices</span>
<span style="font-size: 12pt;"><o:p></o:p></span></div>
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<span style="font-size: 10pt;">Bank Negara Malaysia</span> <o:p></o:p></div>
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<span style="font-size: 10pt;">Jalan Dato' Onn <o:p></o:p></span></div>
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<span style="font-size: 10pt;">50480 Kuala Lumpur <o:p></o:p></span></div>
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<span style="font-size: 10pt;">Fax: 03-21741515 <br />
E-mail: </span><a href="mailto:bnmtelelink@bnm.gov.my"><span style="font-size: 10pt;">bnmtelelink@bnm.gov.my</span></a> <span style="font-size: 12pt;"><o:p></o:p></span></div>
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<span style="font-size: 10pt;">Please be guided accordingly.</span>
<o:p></o:p></div>
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<i><span style="font-family: arial, sans-serif; font-size: 10pt;"><br />
For more information on financial fraud alert, please visit <br />
</span></i><a href="http://www.bnm.gov.my/index.php?lang=en&ch=en_financialconsumeralert"><i><span style="font-family: Arial, sans-serif; font-size: 10pt;">http://www.bnm.gov.my/index.php?lang=en&ch=en_financialconsumeralert</span></i></a><em><span style="font-family: arial, sans-serif; font-size: 10pt;"> and </span></em><a href="http://www.bnm.gov.my/microsites/fraudalert/0301_status.htm"><i><span style="font-family: Arial, sans-serif; font-size: 10pt;">http://www.bnm.gov.my/microsites/fraudalert/0301_status.htm</span></i></a><em><span style="font-family: arial, sans-serif; font-size: 10pt;"> <o:p></o:p></span></em></div>
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<i><span style="font-family: arial, sans-serif; font-size: 10pt;">For
more information on banking, insurance, takaful please visit <br />
</span></i><a href="http://www.bankinginfo.com.my/"><em><span style="color: blue; font-family: Arial, sans-serif; font-size: 10pt;">http://www.bankinginfo.com.my</span></em></a><em><span style="font-family: arial, sans-serif; font-size: 10pt;"> & </span></em><a href="http://www.insuranceinfo.com.my/"><em><span style="color: blue; font-family: Arial, sans-serif; font-size: 10pt;">http://www.insuranceinfo.com.my</span></em></a><em><span style="font-family: calibri, sans-serif; font-size: 10pt;"> </span></em><em><span style="font-size: 10pt;"><o:p></o:p></span></em></div>
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<i><span style="font-family: arial, sans-serif; font-size: 10pt;">For
more information on Agensi Kaunseling dan Pengurusan Kredit (AKPK), please
visit</span></i><span style="font-size: 10pt;"> </span><o:p></o:p></div>
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<a href="http://www.akpk.org.my/"><i><span style="font-family: Arial, sans-serif; font-size: 10pt;">http://www.akpk.org.my</span></i></a><em><span style="font-family: arial, sans-serif; font-size: 10pt;"> </span></em><em><span style="font-family: arial, sans-serif;"><o:p></o:p></span></em></div>
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<span style="font-family: arial, sans-serif; font-size: 10pt;">Thank
you.</span><span style="font-size: 10pt;"> </span><span style="font-family: "times new roman", serif;"><o:p></o:p></span></div>
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<br /></div>
<span style="font-family: calibri, sans-serif; font-size: 10pt;">Vijayadurai<br />
</span><span style="font-family: arial, sans-serif; font-size: 10pt;">BNMTELELINK<br />
Bank Negara Malaysia<br />
No Tel : 1-300-88-5465<br />
No Faks : 03-21741515<br />
Emel: </span><span style="font-family: calibri, sans-serif; font-size: 11pt;"><a href="mailto:bnmtelelink@bnm.gov.my"><span style="font-family: Arial, sans-serif; font-size: 10pt;">bnmtelelink@bnm.gov.my</span></a></span></div>
<div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com9tag:blogger.com,1999:blog-5222663171691806565.post-75742837146857664292016-05-11T09:27:00.003+08:002020-05-04T20:33:47.311+08:00Make Money Easy ! Scam or Trap ?<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: blue; font-size: large;">Ever seen easy money making offer ? They are always very convincing - - -</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhK0KggxRfjk0dfuziLt090_F1eytT3gZbDd8L7zAPCYFTmhDZQKY3URSbFCQES6_GJaGf8pSok84QISFYAW1O9CoiaFBsAYfFg1pTEEhSj3Hz-nX4Ut9oGJ_LVTE7oJz7mIA87WFnQSrM/s1600/1.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="121" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhK0KggxRfjk0dfuziLt090_F1eytT3gZbDd8L7zAPCYFTmhDZQKY3URSbFCQES6_GJaGf8pSok84QISFYAW1O9CoiaFBsAYfFg1pTEEhSj3Hz-nX4Ut9oGJ_LVTE7oJz7mIA87WFnQSrM/s320/1.JPG" width="320" /></a><span><a name='more'></a></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWN7R2luvQBbrGEWxO4w30NMlH0G7b22WQRcIEU-gdLq3P8rD7sXZXZEXgRkgz1Sz8EEyZlzl3SRj7774ZnNU66QnbnjcY05PAcWhyKEyRNQU3o1Qhyphenhyphen_yUbvJOxzlkqKYmLJLh7cKkgGM/s1600/2.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="115" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWN7R2luvQBbrGEWxO4w30NMlH0G7b22WQRcIEU-gdLq3P8rD7sXZXZEXgRkgz1Sz8EEyZlzl3SRj7774ZnNU66QnbnjcY05PAcWhyKEyRNQU3o1Qhyphenhyphen_yUbvJOxzlkqKYmLJLh7cKkgGM/s320/2.JPG" width="320" /></a></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6SBUx92X_zYz8hvyScrsztkQcFq6WdsWr_AvM7PRARn7VsZoFbzl7XD16kYmvKh2oQi05b4eoPNmQxcAva1KK2KCgLkXuHvYuO1hDDoMHj6UAaTHNCKjgCH5T0HyfqFGF4e-rP8zh2S0/s1600/3.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="112" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6SBUx92X_zYz8hvyScrsztkQcFq6WdsWr_AvM7PRARn7VsZoFbzl7XD16kYmvKh2oQi05b4eoPNmQxcAva1KK2KCgLkXuHvYuO1hDDoMHj6UAaTHNCKjgCH5T0HyfqFGF4e-rP8zh2S0/s320/3.JPG" width="320" /></a></div>
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<span style="color: blue; font-size: large;">It even challenge you to leave, this is reverse psychology making us to feel that he really has something here . . .</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDvSgCM6KL5mJQWziFvHwaUpZNxAf0US6Lob6zwdvKTWS3lueCGEjMm5cjgqosTjNTuGgmbDGvwLzKHdqTZnQv-eulRM_epBCIL__55Cu3HX4Nrowdb2v8k0VrPe9dwPYrV4ZzKAN2hP8/s1600/4.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="104" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDvSgCM6KL5mJQWziFvHwaUpZNxAf0US6Lob6zwdvKTWS3lueCGEjMm5cjgqosTjNTuGgmbDGvwLzKHdqTZnQv-eulRM_epBCIL__55Cu3HX4Nrowdb2v8k0VrPe9dwPYrV4ZzKAN2hP8/s320/4.JPG" width="320" /></a></div>
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<span style="color: blue; font-size: large;">calls for action again, this is the most important step to close a sale.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhO5tKw87951o5xJWlNHUrGOMa8L6VFYX-fG0AAMntaDQeeiClBCbqgJsFZa2z_-Tx53C0VTiiwPvc9b1bcQXRA4QsOMsvPRmSYraUz22o9GhFPJ_uoQFO1gL7IMybWjcrD2oPYNmvpbII/s1600/7.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="122" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhO5tKw87951o5xJWlNHUrGOMa8L6VFYX-fG0AAMntaDQeeiClBCbqgJsFZa2z_-Tx53C0VTiiwPvc9b1bcQXRA4QsOMsvPRmSYraUz22o9GhFPJ_uoQFO1gL7IMybWjcrD2oPYNmvpbII/s320/7.JPG" width="320" /></a></div>
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<span style="color: blue; font-size: large;">Reassure you it is EASY. You earn money Right away even if you are dump.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhyRaKhxdTjHlV-6mnUNG_am-j1bnMDc2RvBFdRYozv59gHb_NsjZ0R_iZESH9xRZIqwy1Uz2oQcZ0nmod7TDxWv5Doe3JLnI2Ci0qMvLjeZWBOBPa1jttcgi68vhiBT2XkKPe9-a-vRYI/s1600/7b.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="130" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhyRaKhxdTjHlV-6mnUNG_am-j1bnMDc2RvBFdRYozv59gHb_NsjZ0R_iZESH9xRZIqwy1Uz2oQcZ0nmod7TDxWv5Doe3JLnI2Ci0qMvLjeZWBOBPa1jttcgi68vhiBT2XkKPe9-a-vRYI/s320/7b.JPG" width="320" /></a></div>
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<span style="color: blue; font-size: large;"> Finally the number is out. This is what they want from you.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiCL4yEmvgx1IhoZ8OME4e2TqS5jmS4YRjbed8ifr8QPsW78rMXkaIUwVbRkhlGXFtDkIIfiF3e6PSAm0JKZYHFsl-W-RH6WpgoG7lXOYyS4SnJ9hY-GfNMmapi3Y7xLnq8rokFs24KOaY/s1600/7d.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiCL4yEmvgx1IhoZ8OME4e2TqS5jmS4YRjbed8ifr8QPsW78rMXkaIUwVbRkhlGXFtDkIIfiF3e6PSAm0JKZYHFsl-W-RH6WpgoG7lXOYyS4SnJ9hY-GfNMmapi3Y7xLnq8rokFs24KOaY/s320/7d.JPG" width="320" /></a></div>
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<span style="color: blue; font-size: large;">Quickly follow by wordings like "FREE" make sure you feel good again</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnqvvjcsGIiurESzmdZG_NJaF1zTvpE-Dav7GCQJy1Y6YDaNc2oLWH6rotdMYFki2_VP_NYuzDXAaUW_-pX5MV7GZR6b2pDjVastF2BZ1JMww_FimQxbFEqrP19nhE-cv44qX8gc2thmo/s1600/7e.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="111" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnqvvjcsGIiurESzmdZG_NJaF1zTvpE-Dav7GCQJy1Y6YDaNc2oLWH6rotdMYFki2_VP_NYuzDXAaUW_-pX5MV7GZR6b2pDjVastF2BZ1JMww_FimQxbFEqrP19nhE-cv44qX8gc2thmo/s320/7e.JPG" width="320" /></a></div>
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<span style="color: red; font-size: large;">this should caught your eye, what to reinvest? is it a must? I can't be all out?</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhYluG5NzJODh9NHk_TvX1R7_cf59Q7IalW4fcnl3j1pFjQmZHExBL_JLtuDXONLCIDoZoXVdieoqUxwYA07JGq0o-X5KaSSiLIMmLR3BGiycbnpYsKqmEATl2wE4ZaeUQmkQpg_94b3BA/s1600/7f.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="137" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhYluG5NzJODh9NHk_TvX1R7_cf59Q7IalW4fcnl3j1pFjQmZHExBL_JLtuDXONLCIDoZoXVdieoqUxwYA07JGq0o-X5KaSSiLIMmLR3BGiycbnpYsKqmEATl2wE4ZaeUQmkQpg_94b3BA/s320/7f.JPG" width="320" /></a></div>
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<span style="color: blue; font-size: large;"> Reassure you again its ok if you are dump</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5cb46l62htjr2ykECcYJ4M7GyUg0AwIyYw48eKhhllQkLFzddbxEr-ULpgnuKhsPwtTzKvlROQ9pfXJy1Bfi1FTtvKbAB5L3cvJJ8uy4oNNu0IXsY2knGmEY3g1Y-ojpzCv3XSXWfmls/s1600/8.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="126" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5cb46l62htjr2ykECcYJ4M7GyUg0AwIyYw48eKhhllQkLFzddbxEr-ULpgnuKhsPwtTzKvlROQ9pfXJy1Bfi1FTtvKbAB5L3cvJJ8uy4oNNu0IXsY2knGmEY3g1Y-ojpzCv3XSXWfmls/s320/8.JPG" width="320" /></a></div>
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<span style="color: blue; font-size: large;">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!?</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjf3DAv53RO7VOctr_Nxe8GYZtrDm9p5B-rK7kNUlTG-Z2laaCnCI2xv3adWA9zQ1ZJcYDtGUEq0PblNrgXadnHl2BJCcXqqnpeJcksy5bGRvnGAL6Uh_Aexbin0FSKFeCVkaCFtwBfii8/s1600/9.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjf3DAv53RO7VOctr_Nxe8GYZtrDm9p5B-rK7kNUlTG-Z2laaCnCI2xv3adWA9zQ1ZJcYDtGUEq0PblNrgXadnHl2BJCcXqqnpeJcksy5bGRvnGAL6Uh_Aexbin0FSKFeCVkaCFtwBfii8/s320/9.JPG" width="268" /></a></div>
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<span style="color: blue; font-size: large;"> You are in ! Happy ? You must be thrilled because you will be a millionaire soon !</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXHm_CpDlx48cTupeX2M_XRJ-nXCACMOxV1L-ySjNccgYeSy9lGBTsnahChYuF9qLBgBxSBRO4iFQ0b85S_KqMVKpgbyzwQBa-tgq4TRHXmqPlNXgEeP9iOsuctcpuZBmGf1ilY8B_m6I/s1600/9a.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="95" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXHm_CpDlx48cTupeX2M_XRJ-nXCACMOxV1L-ySjNccgYeSy9lGBTsnahChYuF9qLBgBxSBRO4iFQ0b85S_KqMVKpgbyzwQBa-tgq4TRHXmqPlNXgEeP9iOsuctcpuZBmGf1ilY8B_m6I/s320/9a.JPG" width="320" /></a></div>
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<span style="color: blue; font-size: large;">So what are the catches ? Well, don't curse them nor say they are cheating you. Because they have already lay down the answers to you as well, in the fine print.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAWHlzB9mX5Jn6uMpKB2Ap-9_Eo-W9HcM6r5hvOcrWE6kqGkiKGKj0iuAGscgNpTBdXcwlVBOx81c5QKTpUdGgyvOc_rK296GBGge2b6f-p-jfTqBtp7HIjt6MN_vSBMDeOHq64fL-nLE/s1600/9y.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="72" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAWHlzB9mX5Jn6uMpKB2Ap-9_Eo-W9HcM6r5hvOcrWE6kqGkiKGKj0iuAGscgNpTBdXcwlVBOx81c5QKTpUdGgyvOc_rK296GBGge2b6f-p-jfTqBtp7HIjt6MN_vSBMDeOHq64fL-nLE/s640/9y.JPG" width="640" /></a></div>
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In this case, this is actually forex trading which they use binary option. They make it easy so that you don't need to know anything but just "bet" on up or down. Very much like betting Big or Small on a roulette table.<br />
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Is this a scam ? Well, no one will sell you a piece of cake by telling you what addictive they added to keep them puffy. They always tell how healthy and tasty it is. It is a part of sale process. No matter how simple I could make it, if I sit down and explain forex properly most would doze off or walk away in less than minutes.<br />
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This is a carefully crafted piece of art, the best sales messages ever. Even if I have written many of such sales pitch myself in other occasions but when I read this, the urge to join them is still there and strong. It adheres to all the NLP selling techniques, each word is used precisely to bring out the human nature in us to trust him.<br />
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In this case, this site was setup in 2015 and regulated by USA law. Some people actually makes good money from this scheme. People who continuously use this method however, is less happy.<br />
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What do you think? Would you call this a scam ? Or a good sales pitch ? Or it doesn't matter as long as you earn money then its a good thing ?<br />
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<br /></div>
<div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com2tag:blogger.com,1999:blog-5222663171691806565.post-3804768038023210882016-05-02T21:18:00.001+08:002020-05-04T20:34:34.104+08:00There is NO SUCH THING as Passive Income<div dir="ltr" style="text-align: left;" trbidi="on">
By now, the word "Passive Income" is so Overrated !!<br />
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Some even are promoting it as Get Rich Scheme where you don't need to do anything and yet you are able to earn income for FREE !!<span><a name='more'></a></span><br />
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from some findings on the meaning of PASSIVE : it says ~<br />
<blockquote class="tr_bq">
<span class="oneClick-link" style="background-color: white; box-sizing: border-box; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;">not</span><span style="background-color: white; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;"> </span><span class="oneClick-link oneClick-available" style="background-color: white; box-sizing: border-box; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;">participating</span><span style="background-color: white; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;"> </span><span class="oneClick-link oneClick-available" style="background-color: white; box-sizing: border-box; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;">readily</span><span style="background-color: white; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;"> </span><span class="oneClick-link" style="background-color: white; box-sizing: border-box; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;">or</span><span style="background-color: white; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;"> </span><span class="oneClick-link oneClick-available" style="background-color: white; box-sizing: border-box; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;">actively;</span><span style="background-color: white; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;"> </span><span class="oneClick-link oneClick-available" style="background-color: white; box-sizing: border-box; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;">inactive:</span></blockquote>
<blockquote class="tr_bq">
<span class="oneClick-link" style="background-color: white; box-sizing: border-box; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;">not</span><span style="background-color: white; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;"> </span><span class="oneClick-link oneClick-available" style="background-color: white; box-sizing: border-box; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;">involving</span><span style="background-color: white; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;"> </span><span class="oneClick-link oneClick-available" style="background-color: white; box-sizing: border-box; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;">visible</span><span style="background-color: white; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;"> </span><span class="oneClick-link oneClick-available" style="background-color: white; box-sizing: border-box; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;">reaction</span><span style="background-color: white; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;"> </span><span class="oneClick-link" style="background-color: white; box-sizing: border-box; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;">or</span><span style="background-color: white; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;"> </span><span class="oneClick-link oneClick-available" style="background-color: white; box-sizing: border-box; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;">active</span><span style="background-color: white; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;"> </span><span class="oneClick-link oneClick-available" style="background-color: white; box-sizing: border-box; color: #666666; font-family: verdana, arial, sans-serif; font-size: 15px; line-height: 22px;">participation:</span> </blockquote>
Contrary to above, no matter what kind of income you are getting, you would definitely require some form of active participation to make it happen or at least to get it started in the beginning; and contrary to the meaning of passive, whatever smart income you have generated would have anticipated very clear and precise vision on the reaction or expected results even from the very beginning.<br />
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Hence, the intention of writing a book titled above is born!<br />
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDyRNXuLmEdV3J2mfyMwhU32ny35HKa7mvSi1Ks8JJjbC9ZVrlDE2ixwvvR1B9IgEv4_D3n-7fIXnFkewC_mfMW7bznga_QMaPdbh5iN0ChTQSyCPySD5TdaNYrPlzPNfCq7JZGON9rws/s1600/image.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDyRNXuLmEdV3J2mfyMwhU32ny35HKa7mvSi1Ks8JJjbC9ZVrlDE2ixwvvR1B9IgEv4_D3n-7fIXnFkewC_mfMW7bznga_QMaPdbh5iN0ChTQSyCPySD5TdaNYrPlzPNfCq7JZGON9rws/s320/image.png" width="320" /></a></div>
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The book will preach about <a href="http://malaysiapersonalfinance.blogspot.my/2010/09/there-is-no-such-thing-as-passive.html">Smart Income </a>instead. <br />
<br />
<br />
<ul style="text-align: left;">
<li>It will list out <a href="http://malaysiapersonalfinance.blogspot.my/2016/04/types-of-passive-incomes.html">some of the popular <b>passive income</b> methods</a>, discuss on what works and what not in today's society, and for those that works, how to make them works even better </li>
<li>then it moves on to what most would normally never considered as passive income, and how it can also be turned into a form of <b>Smart Income</b> contributing positively to the success of your very own personal finance</li>
</ul>
<div>
If your concepts, ideas, writing or comments are used in the book, the net income from the publication will be shared with you as long as you leave us a contactable method.</div>
</div>
<div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com0tag:blogger.com,1999:blog-5222663171691806565.post-10693149362601918122016-05-02T16:23:00.000+08:002016-05-02T16:27:40.543+08:00The very FIRST thing in Personal Finance<div dir="ltr" style="text-align: left;" trbidi="on">
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Until now, when teaching in Personal Finance, a lot of gurus still emphasize the very first thing is to identify a Goal. While that is true but there are a few disadvantages with that approach;<br />
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<a name='more'></a><ul style="text-align: left;">
<li>You may or may not have a clear definite goal to start with</li>
<li>It may take a venture itself to find your goal</li>
<li>It may require a lot of discipline to keep to a goal</li>
<li>Your goal may change over time</li>
<li>This method is too academic oriented</li>
</ul>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxWyws0VmhQTMe5eipLkSG1-poB6-PLKFnzbkU05vOtGxn05sM-jhmHIjWwDGWtkngdNW2Eek8c7EAml8za6ge2gA3y-cJLvP6xgLM8URbaRempCk-e-0RKjkxGIxA8b1gwSnTLBv7M2M/s1600/nogoal.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxWyws0VmhQTMe5eipLkSG1-poB6-PLKFnzbkU05vOtGxn05sM-jhmHIjWwDGWtkngdNW2Eek8c7EAml8za6ge2gA3y-cJLvP6xgLM8URbaRempCk-e-0RKjkxGIxA8b1gwSnTLBv7M2M/s320/nogoal.jpg" width="320" /></a></div>
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By the time you clearly define a goal, the time has passed and in personal finance, time should be your best friend, not foe.<br />
<ul style="text-align: left;">
</ul>
<div>
Hence a more practical approach in this century is to just to go ahead and</div>
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<div style="text-align: center;">
<span style="font-size: large;">SAVE FIRST</span></div>
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<br /></div>
<div>
It doesn't matter who you are, what you do, where you are, which belief you have and how you live; Just go ahead and put aside a sum of money and save them aside, to anywhere.</div>
<div>
<br /></div>
<div>
Not only you should just Save First, if possible, think of a way to make it an <a href="http://malaysiapersonalfinance.blogspot.com/2009/02/must-do-in-your-personal-finance.html">ASS - Automatic Saving System</a>.</div>
<div>
<br />
<br />
<u>Read more</u></div>
<div>
<br />
<i><a href="http://malaysiapersonalfinance.blogspot.my/2010/03/go-on-without-goal-but-for-how-long.html">understand more why this approach is better for all</a></i></div>
<div>
<br />
<i><a href="http://malaysiapersonalfinance.blogspot.my/2008/10/so-you-dont-have-goal.html" target="">one method to find your life goal - lifeline</a></i></div>
<div>
<br />
<i><a href="http://malaysiapersonalfinance.blogspot.my/2009/05/personal-finance-in-1picture.html">details of the complete personal finance ecosystem</a></i></div>
</div>
<div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com1tag:blogger.com,1999:blog-5222663171691806565.post-36021797090891478032016-04-29T08:41:00.002+08:002020-05-04T20:34:56.556+08:00Quantshare - Stock <div dir="ltr" style="text-align: left;" trbidi="on">
<a href="http://www.quantshare.com/index.php?rid=35434" target="_blank">Quantshare</a> is a software that allows you perform technical analysis on stock market movement.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5bRzRlrjqZ1GFTVpaJqWVNsjz1U3UUGxS4RaI3EW44N2sw_ysohFo8jlROBgovhSAb6ctDv6uGPzzpT7L5QZKPdukO99dNiQo9mhwQNydVtljOtH0c-0giunSTpqLwckCaNTv8vzx1bI/s1600/quanshare1.gif" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="280" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5bRzRlrjqZ1GFTVpaJqWVNsjz1U3UUGxS4RaI3EW44N2sw_ysohFo8jlROBgovhSAb6ctDv6uGPzzpT7L5QZKPdukO99dNiQo9mhwQNydVtljOtH0c-0giunSTpqLwckCaNTv8vzx1bI/s400/quanshare1.gif" width="400" /></a><span><a name='more'></a></span></div>
As far as I know, it is very powerful because it allows you to select any stock markets in the world and create your own "trading components". As it has been around for a while, you could easily find any stock markets data to download and also many "trading components" that other people have created.<br />
<br />
You could try use it <a href="http://www.quantshare.com/index.php?rid=35434" target="_blank">FREE</a> for 14 days if not mistaken. <a href="http://www.quantshare.com/index.php?rid=35434" target="_blank">Download </a>it, try it and let me know your experience in comments below. <br />
<br />
If you are interested, you could post an article here about how to download and use it for Bursa Malaysia and which trading items you have chosen. <br />
<br />
If someone could help dig out who is behind Quantshare, do share too, thanks a lot in advance !!</div>
<div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com2tag:blogger.com,1999:blog-5222663171691806565.post-32587677079671500082016-04-28T21:02:00.006+08:002020-05-04T21:20:33.888+08:00Find Company listed in Bursa Malaysia by it's NameSometimes it may not be straight forward for some to find a public listed company by its name as most people are using a short code or abbreviation. Below is a simple tool to find by the company name<span><a name='more'></a></span> using <a href="https://awesome-table.com/" target="_blank">awesome-table</a>.<div><br /><!--Place this tag where you want the Awesome Table Widget to render--><div data-type="AwesomeTableView" data-viewid="-KGRvTesIOFQdyxMWD-A"></div>
<!--Place this tag in your head or just before your close body tag.-->
<script src="https://awesome-table.com/AwesomeTableInclude.js"></script>
If you didn't see anything above, just download the <a href="https://docs.google.com/spreadsheets/d/15snaosn2OaGcBKMzvNkcdx3XMDUJa80MEAhIjQSSgaQ/edit?usp=sharing" rel="nofollow" target="_blank">Sheet </a>here. Mouse over or Click on Column B will show the stock code too.</div><div><br /></div><div>If anyone knows how to let <a href="https://awesome-table.com/" target="_blank">awesome-table</a> allow public access, please do englighthen.</div><div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com0tag:blogger.com,1999:blog-5222663171691806565.post-49830875576977985122016-04-26T05:08:00.000+08:002016-04-26T05:08:45.316+08:00Oil Price<div dir="ltr" style="text-align: left;" trbidi="on">
<!-- oil price -->
<script src="http://www.oil-price.net/TINY_CHART/gen.php?lang=en" type="text/javascript">
</script>
<noscript> <a href="http://www.oil-price.net/dashboard.php?lang=en">To get the oil price, please enable Javascript.</a>
</noscript>
</div>
<div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com0tag:blogger.com,1999:blog-5222663171691806565.post-64648709737726940282016-04-21T23:33:00.000+08:002016-04-21T23:33:48.557+08:00Types of Passive Incomes<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<ol style="text-align: left;">
<li><span style="font-size: large;">Real Estate</span></li>
<li><span style="font-size: large;">Intellectual Property - books, trainings etc.</span></li>
<li><span style="font-size: large;">Creativity - photography, paintings ...</span></li>
<li><span style="font-size: large;">Dividend</span></li>
<li><span style="font-size: large;">Lending Money</span></li>
<li><span style="font-size: large;">Business Income</span></li>
<li><span style="font-size: large;">New Product</span></li>
<li><span style="font-size: large;">Royalty/Franchise</span></li>
<li><span style="font-size: large;">Website Advertising</span></li>
<li><span style="font-size: large;">Multi Level Marketing</span></li>
</ol>
<div style="text-align: right;">
<a href="http://jeremymccommons.com/real-estate/power-passive-income-part-4/"><span style="font-size: x-small;">source</span></a></div>
</div>
<div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com0tag:blogger.com,1999:blog-5222663171691806565.post-7475781056983608672016-03-03T01:38:00.004+08:002020-05-04T21:48:16.834+08:00Find out Your Life Purpose in 5 minutes !<div dir="ltr" style="text-align: left;" trbidi="on">
<div dir="ltr" style="text-align: left;" trbidi="on">
Answer these 5 questions<span><br /></span><ol style="text-align: left;"><li>Who are you ?</li>
<li>What do you love to do ?</li>
<li>Who you do that for ?</li>
<li>Is it their Need or Want ?</li>
<li>How would they change from what you do ?<span><a name='more'></a></span></li>
</ol>
<div>
Examples: </div>
<div>
<ul style="text-align: left;">
<li>I write personal finance articles so that anyone can be richer everyday</li>
<li>I sell salt lamps so that Asthmatic people can sleep better at nights</li>
<li>I drive all the business men in London so that they are always on time</li>
<li>I write philosophical topics so online readers can have an inner peace stronger mind.</li>
</ul>
</div>
<br />
Please write down yours in comments below ~<br />
<br /></div>
<iframe allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/vVsXO9brK7M" width="560"></iframe></div>
<div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com0tag:blogger.com,1999:blog-5222663171691806565.post-25060206504846755212015-12-27T11:50:00.001+08:002015-12-27T11:50:40.979+08:003 Golden Opportunities From The Falling Ringgit - Guest Post<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span lang="EN-PH" style="font-family: Garamond, serif; font-size: 11pt;">“Four
months ago, I had X amount of cash reserves in my emergency fund. Fast forward
to today, and a portion of that amount's value is now gone, thanks to the
continued fall of the Ringgit.” Does that sound familiar to you? The fact is,
this story is more common than you think and now, the analysts are predicting that
we'll see RM 100 = US$ 25 before the year ends. </span><a href="https://www.google.com.my/?gws_rd=ssl#q=100+rm+to+usd"><span lang="EN-PH" style="font-family: "Garamond","serif"; font-size: 11.0pt; mso-ansi-language: EN-PH;">See
for yourself</span></a><span lang="EN-PH" style="font-family: Garamond, serif; font-size: 11pt;">.<o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span lang="EN-PH" style="font-family: Garamond, serif; font-size: 11pt;">The
ringgit's depreciation has taken its toll on a lot of things, from the
government budget and right down to our everyday purchasing power. In theory,
the government is doing what it can to solve this problem, which is of course
due to unforeseen external factors (falling global oil prices, China’s currency
devaluation and more). <o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span lang="EN-PH" style="font-family: Garamond, serif; font-size: 11pt;">But
for every problem, there is an opportunity. The ringgit may have lost its
value, but here are some key factors that present themselves as
"opportunities" for the future.<o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8jCkLS_yX-2u1Rc7Fswa_6KotZKhkTzhz2baFxB799gPEFBxajSiwqWi7ojyBjXau9QKRDK5UXW6kzDFKeAT7c09xDiSST5N-bK01mKz8GYzQ3rCq5cSnsHQXvtO0NfmDbEHxMfzrp5A/s1600/MY_Ringgit+%25282%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="144" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8jCkLS_yX-2u1Rc7Fswa_6KotZKhkTzhz2baFxB799gPEFBxajSiwqWi7ojyBjXau9QKRDK5UXW6kzDFKeAT7c09xDiSST5N-bK01mKz8GYzQ3rCq5cSnsHQXvtO0NfmDbEHxMfzrp5A/s320/MY_Ringgit+%25282%2529.jpg" width="320" /></a></div>
<br />
<div style="margin: 0in 0in 0.0001pt;">
<br /></div>
<h2>
<span lang="EN-PH">Tourism<o:p></o:p></span></h2>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span lang="EN-PH" style="font-family: Garamond, serif; font-size: 11pt;">If
you are from nearby Thailand or Singapore, the weak ringgit is an opportunity
for you to have a quick getaway to Kuala Lumpur. Tourism is a huge industry in
Malaysia and the boost in local tourism will most likely keep the local
currency from falling even further. Alternatively, if you’re Malaysian and traveling
abroad, now is the perfect time to </span><a href="http://www.comparehero.my/credit-card/airmiles"><span lang="EN-PH" style="font-family: "Garamond","serif"; font-size: 11.0pt; mso-ansi-language: EN-PH;">make
use of your air miles points</span></a><span lang="EN-PH" style="font-family: Garamond, serif; font-size: 11pt;"> if you
have them. You wouldn’t want to exchange your ringgit to more expensive
currencies at this point.</span></div>
<h2>
Online Freelance Work</h2>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-family: Garamond, serif; font-size: 11pt;">By
now, everyone's familiar with the concept of freelance work. When you do this
online and your medium of payment is through PayPal, you will most likely get
paid in US Dollars. Try to get a fixed rate (in USD) for your online freelance
work. As the value of the ringgit fluctuates against the dollar, the money you
get in dollars will make you have more purchasing power once you exchange it
with local currency.</span></div>
<h2>
Invest For The Future</h2>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-family: Garamond, serif; font-size: 11pt;">There
is an old story, where a person during the financial crisis of '97, bought all
those stocks whose value had diminished. Of course 10 years later, these
companies have regained their strength in the stock market. He bought those
companies' stocks, and years later, the value of those has gradually increased
over time. Rewarding isn’t it?</span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span lang="EN-PH" style="font-family: Garamond, serif; font-size: 11pt;">Perhaps
the same opportunity is upon us now.<a href="https://www.blogger.com/null" name="_GoBack"></a><o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span lang="EN-PH" style="font-family: Garamond, serif; font-size: 11pt;">If
you are reading this blog, then you probably know the difference between a
stock trader and an investor. The stock trader monitors the market
consistently, daily, or even by the minute! The perfect timing on when to buy
or share the stock will spell the difference between victory and defeat. The
investor isn't like that. He invests on what he feels are good companies,
depending on its history and performance over time. There is a certain science
to this, and I will advise you to monitor the market and read blogs like </span><a href="http://www.malaysiapersonalfinance.blogspot.com/"><span lang="EN-PH" style="font-family: "Garamond","serif"; font-size: 11.0pt; mso-ansi-language: EN-PH;">this
one</span></a><span lang="EN-PH" style="font-family: Garamond, serif; font-size: 11pt;">.<o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<i><span lang="EN-PH" style="font-family: Garamond, serif; font-size: 11pt;">This article is prepared by Michael Vincent Mislos on behalf of </span></i><a href="http://www.comparehero.my/"><i><span lang="EN-PH" style="font-family: "Garamond","serif"; font-size: 11.0pt; mso-ansi-language: EN-PH;">CompareHero.my</span></i></a><i><span lang="EN-PH" style="font-family: Garamond, serif; font-size: 11pt;">, Malaysia’s premier financial comparison portal.<o:p></o:p></span></i></div>
<br />
<div class="MsoNormal">
<br /></div>
</div>
<div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com2tag:blogger.com,1999:blog-5222663171691806565.post-37270185566141475422014-11-18T23:45:00.001+08:002016-04-17T23:47:25.697+08:00Fashion Method<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: yellow;">Recently I came across Michael's pitch on how he can help us make money ... as usual the pitch is super convincing so I took a moment and see what he has to offer . . .</span><br />
<span style="background-color: yellow;"><br /></span>
<span style="background-color: yellow;"><br /></span>
<span style="background-color: yellow;"><br /></span>
<span style="background-color: yellow;">This is his method:</span><br />
<br />
<div class="row section-bottom" style="background-color: white; box-sizing: border-box; color: #123c5a; font-family: 'Exo 2', sans-serif; font-size: 16px; line-height: 22.8571434020996px; margin-bottom: 50px; margin-left: -15px; margin-right: -15px;">
<div class="col-md-12" style="box-sizing: border-box; min-height: 1px; padding-left: 15px; padding-right: 15px; position: relative;">
<div class="title-step" style="border-bottom-color: rgb(246, 246, 246); border-bottom-style: solid; border-bottom-width: 8px; box-sizing: border-box; height: 90px; margin-bottom: 30px;">
<label class="color-blue" style="border-bottom-color: rgb(255, 194, 14); border-bottom-style: solid; border-bottom-width: 8px; box-sizing: border-box; color: rgb(34, 149, 226) !important; display: inline-block; float: left; font-size: 72px; font-weight: 700; height: 90px; line-height: 55px; margin-bottom: 5px; margin-right: 15px; max-width: 100%; text-align: center; width: 100px;">01.</label><br />
<h2 style="box-sizing: border-box; color: inherit; font-family: inherit; font-size: 26px; font-weight: 300; line-height: 1.1; margin: 0px; text-transform: uppercase;">
UNDERSTAND<span style="box-sizing: border-box; display: block; font-size: 32px; font-weight: 900;">HOW THE SYSTEM WORKS</span></h2>
</div>
<div style="box-sizing: border-box; margin-bottom: 10px;">
The effective and profitable Fashion Method is based on the monitoring of trends. An asset in the market rises or falls when pushed in a direction by trend setters, which are large financial powers that influence the financial markets like investment funds and banks. The principle of my method is very simple:<br />
<br style="box-sizing: border-box;" />
When you spot an asset showing a significant and constant increase, it is more probable that it will continue to rise in the near future in that direction rather than the probability that it will go the other way. We will therefore invest in the asset going up and place a "Call" command. Obviously, the same logic applies in the case of declining, where we will place a "Put" command.<br />
<br style="box-sizing: border-box;" />
<span style="box-sizing: border-box; font-weight: 700;">How To Recognize Trends</span> - Recognizing a pattern on a graph is very simple. It is easiest to understand on 5 minutes graphs as seen below: The path of the graph represents a period of time equivalent to 5 minutes . Here are the trends that we can detect:</div>
<div class="row" id="trends" style="box-sizing: border-box; margin: 30px 0px;">
<div class="col-md-4 text-center" style="box-sizing: border-box; min-height: 1px; padding-left: 15px; padding-right: 15px; position: relative; text-align: center;">
<h4 style="box-sizing: border-box; color: inherit; font-family: inherit; font-size: 18px; line-height: normal; margin: 0px;">
Up Trend</h4>
<img alt="Fashion Method" class="img-responsive" src="http://www.fashion-method.com/fm8259/image/trend-up.jpg" style="border: 0px; box-sizing: border-box; display: block; height: auto; max-width: 100%; vertical-align: middle;" />The price is going up<span class="color-green" style="box-sizing: border-box; color: rgb(106 , 169 , 122); display: block; font-weight: 700; text-transform: uppercase;">WE CLICK CALL</span></div>
<div class="col-md-4 text-center" style="box-sizing: border-box; min-height: 1px; padding-left: 15px; padding-right: 15px; position: relative; text-align: center;">
<h4 style="box-sizing: border-box; color: inherit; font-family: inherit; font-size: 18px; line-height: normal; margin: 0px;">
Declining Trend</h4>
<img alt="Fashion Method" class="img-responsive" src="http://www.fashion-method.com/fm8259/image/trend-down.jpg" style="border: 0px; box-sizing: border-box; display: block; height: auto; max-width: 100%; vertical-align: middle;" />The price is going down<span class="color-red" style="box-sizing: border-box; color: rgb(232 , 76 , 61); display: block; font-weight: 700; text-transform: uppercase;">WE CLICK PUT</span></div>
<div class="col-md-4 text-center" style="box-sizing: border-box; min-height: 1px; padding-left: 15px; padding-right: 15px; position: relative; text-align: center;">
<h4 style="box-sizing: border-box; color: inherit; font-family: inherit; font-size: 18px; line-height: normal; margin: 0px;">
Neutral Trend</h4>
<img alt="Fashion Method" class="img-responsive" src="http://www.fashion-method.com/fm8259/image/trend-neutral.jpg" style="border: 0px; box-sizing: border-box; display: block; height: auto; max-width: 100%; vertical-align: middle;" />The price is moving sideways<span class="color-black" style="box-sizing: border-box; color: rgb(34 , 34 , 34); display: block; font-weight: 700; text-transform: uppercase;">WE DON'T DO ANYTHING</span></div>
<div class="col-md-12 text-center" style="box-sizing: border-box; margin-top: 20px; min-height: 1px; padding-left: 15px; padding-right: 15px; position: relative; text-align: center;">
<a class="btn btn-primary btn-lg" href="http://www.fashion-method.com/fm8259/charts.php" style="-webkit-user-select: none; background: none 0px 0px rgb(34, 149, 226); border-bottom-left-radius: 3px; border-bottom-right-radius: 3px; border-top-left-radius: 3px; border-top-right-radius: 3px; border: medium none; box-sizing: border-box; color: white; cursor: pointer; display: inline-block; font-weight: 700; line-height: 1.33; margin-bottom: 0px; padding: 15px 30px; text-decoration: none; text-shadow: rgba(0, 0, 0, 0.2) 0px 1px 1px; text-transform: capitalize; vertical-align: middle; white-space: nowrap;" target="_blank"><span class="fa fa-area-chart fa-lg" style="box-sizing: border-box; color: #ffc20e; display: inline-block; font-family: "fontawesome"; font-size: 1.33333333em; font-stretch: normal; font-weight: normal; line-height: 0.75em; vertical-align: -15%;"></span> Use Real-Time Graphics Available Here</a></div>
</div>
<div class="text-center" style="box-sizing: border-box; margin-bottom: 10px; text-align: center;">
The first two charts are showing an obvious movement of the asset in the market where you can clearly pick a direction for your trade. However, in the neutral trend, the market is shifting too much to be predictable. In this case, you are best to avoid placing a risky trade.</div>
</div>
</div>
<div class="row section-bottom" id="STEP2" style="background-color: white; box-sizing: border-box; color: #123c5a; font-family: 'Exo 2', sans-serif; font-size: 16px; line-height: 22.8571434020996px; margin-bottom: 50px; margin-left: -15px; margin-right: -15px;">
<div class="col-md-12" style="box-sizing: border-box; min-height: 1px; padding-left: 15px; padding-right: 15px; position: relative;">
<div class="title-step" style="border-bottom-color: rgb(246, 246, 246); border-bottom-style: solid; border-bottom-width: 8px; box-sizing: border-box; height: 90px; margin-bottom: 30px;">
<label class="color-blue" style="border-bottom-color: rgb(255, 194, 14); border-bottom-style: solid; border-bottom-width: 8px; box-sizing: border-box; color: rgb(34, 149, 226) !important; display: inline-block; float: left; font-size: 72px; font-weight: 700; height: 90px; line-height: 55px; margin-bottom: 5px; margin-right: 15px; max-width: 100%; text-align: center; width: 100px;">02.</label><br />
<h2 style="box-sizing: border-box; color: inherit; font-family: inherit; font-size: 26px; font-weight: 300; line-height: 1.1; margin: 0px; text-transform: uppercase;">
HOW MUCH<span style="box-sizing: border-box; display: block; font-size: 32px; font-weight: 900;">SHOULD I INVEST</span></h2>
</div>
<div style="box-sizing: border-box; margin-bottom: 10px;">
<span style="box-sizing: border-box; font-weight: 700;">Remember</span>: Even when you follow my method exactly, there is always a slight risk involved in trading. Anybody who tells you otherwise is simply lying, it's impossible to win every trade. <span style="box-sizing: border-box; font-weight: 700;">BUT</span> if you follow the trends and use my method you will Profit More Often and Make a Lot of Money. To minimize your risk, simply follow this important rule: <span class="text-center" style="box-sizing: border-box; font-weight: 700; text-align: center;">Each position you open should ALWAYS represent about 10% of your total capital, as shown in this chart:</span></div>
<img alt="" class="img-responsive img-center" src="http://www.fashion-method.com/fm8259/image/invest-chart.jpg" style="border: 0px; box-sizing: border-box; display: block; height: auto; margin: 0px auto; max-width: 100%; vertical-align: middle;" /><br />
<div class="text-center" style="box-sizing: border-box; margin-bottom: 10px; text-align: center;">
I will show you my method of trend following that will ensure that you win more than you lose,<span style="box-sizing: border-box; font-weight: 700;">significantly improving your profits.</span> If you follow these rules of investments, a bad opening will have a minimal effect overall on your account. </div>
</div>
</div>
<div class="row section-bottom" id="golden-rules" style="background-color: white; box-sizing: border-box; color: #123c5a; font-family: 'Exo 2', sans-serif; font-size: 16px; line-height: 22.8571434020996px; margin-bottom: 50px; margin-left: -15px; margin-right: -15px;">
<div class="col-md-12" style="box-sizing: border-box; min-height: 1px; padding-left: 15px; padding-right: 15px; position: relative;">
<div class="title-step title-yellow" style="border-bottom-color: rgb(246, 246, 246); border-bottom-style: solid; border-bottom-width: 8px; box-sizing: border-box; color: #e5ae0d; height: 90px; margin-bottom: 30px;">
<label class="color-red" style="border-bottom-color: rgb(229, 174, 13); border-bottom-style: solid; border-bottom-width: 8px; box-sizing: border-box; color: rgb(232, 76, 61) !important; display: inline-block; float: left; font-size: 52px; font-weight: 700; height: 90px; line-height: 70px; margin-bottom: 5px; margin-right: 15px; max-width: 100%; text-align: center; width: 100px;"><span class="fa fa-exclamation-triangle" style="box-sizing: border-box; display: inline-block; font-family: "fontawesome"; font-size: inherit; font-stretch: normal; font-weight: normal; line-height: 1;"></span></label><br />
<h2 style="box-sizing: border-box; color: inherit; font-family: inherit; font-size: 26px; font-weight: 300; line-height: 1.1; margin: 0px; text-transform: uppercase;">
3 IMPORTANT RULES TO<span style="box-sizing: border-box; display: block; font-size: 32px; font-weight: 900;">KEEP YOU FROM LOSING MONEY</span></h2>
</div>
<div class="row" style="box-sizing: border-box; margin-left: -15px; margin-right: -15px;">
<div class="col-md-4" style="box-sizing: border-box; min-height: 1px; padding-left: 15px; padding-right: 15px; position: relative;">
<div class="box" style="background-color: #f6f6f6; box-sizing: border-box; margin-bottom: 20px; min-height: 450px; padding: 20px;">
<img alt="" class="img-responsive img-center" src="http://www.fashion-method.com/fm8259/image/goldenrules1.png" style="border: 0px; box-sizing: border-box; display: block; height: auto; margin: 0px auto; max-width: 100%; vertical-align: middle;" /><br />
<h4 style="box-sizing: border-box; color: inherit; font-family: inherit; font-size: 18px; line-height: 1.1; margin: 20px 0px 10px; text-align: center;">
Remember to Always Look For A Clear Trend</h4>
<div style="box-sizing: border-box; color: #555555; font-size: 15px;">
All assets go in some direction. If the history of an asset shows a distinctive path for a while, the probability that it will continue in that direction is high. Use that to make a profit and avoid unnecessary risk!</div>
</div>
</div>
<div class="col-md-4" style="box-sizing: border-box; min-height: 1px; padding-left: 15px; padding-right: 15px; position: relative;">
<div class="box" style="background-color: #f6f6f6; box-sizing: border-box; margin-bottom: 20px; min-height: 450px; padding: 20px;">
<img alt="" class="img-responsive img-center" src="http://www.fashion-method.com/fm8259/image/goldenrules3.png" style="border: 0px; box-sizing: border-box; display: block; height: auto; margin: 0px auto; max-width: 100%; vertical-align: middle;" /><br />
<h4 style="box-sizing: border-box; color: inherit; font-family: inherit; font-size: 18px; line-height: 1.1; margin: 20px 0px 10px; text-align: center;">
Invest more to enjoy bigger Profit potential</h4>
<div style="box-sizing: border-box; color: #555555; font-size: 15px;">
Making $500 a day is nice, yet after you will understand how simple and logical my method is, try making bigger investments and see how easily your bank account will grow. In no time, you will have the income to never be troubled with money problems again.</div>
</div>
</div>
<div class="col-md-4" style="box-sizing: border-box; min-height: 1px; padding-left: 15px; padding-right: 15px; position: relative;">
<div class="box" style="background-color: #f6f6f6; box-sizing: border-box; margin-bottom: 20px; min-height: 450px; padding: 20px;">
<a href="http://hata.ws/?url=http%3A%2F%2Flp.opteck.com%2Fs%2F193%2F%3Folgs_aff%3D1769%26olgs_tr%3D5c24d0cb47d0ab3fe8f5ec92e98d161a3922800f%26olgs_str%3Da8MTZWphZIJvYbS4BAZyfYpOAgPHeK7lZnDIc8vW8D9ALaGeJO%252FZEti3560FCzWk%252FI%252BnM1DNQy%252BsOwzbdLo6ow%253D%253D" style="background: 0px 0px; box-sizing: border-box; color: #2295e2; text-decoration: none;" target="_blank"><img alt="" class="img-responsive img-center" src="http://www.fashion-method.com/fm8259/image/goldenrules2.png" style="border: 0px; box-sizing: border-box; display: block; height: auto; margin: 0px auto; max-width: 100%; vertical-align: middle;" /></a><a href="http://hata.ws/?url=http%3A%2F%2Flp.opteck.com%2Fs%2F193%2F%3Folgs_aff%3D1769%26olgs_tr%3D5c24d0cb47d0ab3fe8f5ec92e98d161a3922800f%26olgs_str%3Da8MTZWphZIJvYbS4BAZyfYpOAgPHeK7lZnDIc8vW8D9ALaGeJO%252FZEti3560FCzWk%252FI%252BnM1DNQy%252BsOwzbdLo6ow%253D%253D" style="background: 0px 0px; box-sizing: border-box; color: #123c5a; text-decoration: none;" target="_blank"></a><br />
<h4 style="box-sizing: border-box; color: inherit; font-family: inherit; font-size: 18px; line-height: 1.1; margin: 20px 0px 10px; text-align: center;">
<a href="http://hata.ws/?url=http%3A%2F%2Flp.opteck.com%2Fs%2F193%2F%3Folgs_aff%3D1769%26olgs_tr%3D5c24d0cb47d0ab3fe8f5ec92e98d161a3922800f%26olgs_str%3Da8MTZWphZIJvYbS4BAZyfYpOAgPHeK7lZnDIc8vW8D9ALaGeJO%252FZEti3560FCzWk%252FI%252BnM1DNQy%252BsOwzbdLo6ow%253D%253D" style="background: 0px 0px; box-sizing: border-box; color: #123c5a; text-decoration: none;" target="_blank">
Always use a trusted broker</a></h4>
<a href="http://hata.ws/?url=http%3A%2F%2Flp.opteck.com%2Fs%2F193%2F%3Folgs_aff%3D1769%26olgs_tr%3D5c24d0cb47d0ab3fe8f5ec92e98d161a3922800f%26olgs_str%3Da8MTZWphZIJvYbS4BAZyfYpOAgPHeK7lZnDIc8vW8D9ALaGeJO%252FZEti3560FCzWk%252FI%252BnM1DNQy%252BsOwzbdLo6ow%253D%253D" style="background: 0px 0px; box-sizing: border-box; color: #123c5a; text-decoration: none;" target="_blank">
</a>
<br />
<div style="box-sizing: border-box; color: #555555; font-size: 15px;">
As I mention in my video, using a trusted and approved broker assures fast withdrawals, real-time live support and all the training a beginner might need to generate income.</div>
</div>
</div>
</div>
</div>
</div>
<div class="row" id="LAST_STEP" style="background-color: white; box-sizing: border-box; color: #123c5a; font-family: 'Exo 2', sans-serif; font-size: 16px; line-height: 22.8571434020996px; margin-left: -15px; margin-right: -15px;">
<div class="col-md-12" style="box-sizing: border-box; min-height: 1px; padding-left: 15px; padding-right: 15px; position: relative;">
<div class="title-step title-green" style="border-bottom-color: rgb(246, 246, 246); border-bottom-style: solid; border-bottom-width: 8px; box-sizing: border-box; color: #6aa97a; height: 90px; margin-bottom: 30px;">
<label style="border-bottom-color: rgb(255, 194, 14); border-bottom-style: solid; border-bottom-width: 8px; box-sizing: border-box; display: inline-block; float: left; font-size: 72px; font-weight: 700; height: 90px; line-height: 55px; margin-bottom: 5px; margin-right: 15px; max-width: 100%; text-align: center; width: 100px;">03.</label><br />
<h2 style="box-sizing: border-box; color: inherit; font-family: inherit; font-size: 26px; font-weight: 300; line-height: 1.1; margin: 0px; text-transform: uppercase;">
OPEN YOUR ACCOUNT<span style="box-sizing: border-box; display: block; font-size: 32px; font-weight: 900;">AND BEGIN NOW</span></h2>
</div>
<div id="open-account" style="background: url(http://www.fashion-method.com/fm8259/image/open-account-bg.jpg) 100% 0% no-repeat scroll rgb(246, 246, 246); box-sizing: border-box; height: 395px; margin-bottom: 50px;">
<div class="row" style="box-sizing: border-box; margin-left: -15px; margin-right: -15px;">
<div class="col-md-6" style="box-sizing: border-box; min-height: 1px; padding-left: 15px; padding-right: 15px; position: relative;">
<div style="box-sizing: border-box; font-size: 15px; padding: 70px 0px 40px 40px;">
I use my experience to help you avoid unnecessary risks and provide you with an <span style="box-sizing: border-box; font-weight: 700;">Authorized binary broker</span> that I personally use.<br />
<br style="box-sizing: border-box;" />
I have selected for you the most reliable and profitable broker available that offers a simple interface, easy registration and fast payouts. Opteck is the award winning broker that I have tested and I feel comfortable recommending it to you.</div>
</div>
<div class="col-md-6" style="box-sizing: border-box; min-height: 1px; padding-left: 15px; padding-right: 15px; position: relative;">
<div class="broker text-center" style="background-color: rgba(255, 255, 255, 0.6); box-sizing: border-box; height: 395px; margin: 0px 10px; padding: 40px 0px; text-align: center;">
<a href="http://hata.ws/?url=http%3A%2F%2Flp.opteck.com%2Fs%2F193%2F%3Folgs_aff%3D1769%26olgs_tr%3D5c24d0cb47d0ab3fe8f5ec92e98d161a3922800f%26olgs_str%3Da8MTZWphZIJvYbS4BAZyfYpOAgPHeK7lZnDIc8vW8D9ALaGeJO%252FZEti3560FCzWk%252FI%252BnM1DNQy%252BsOwzbdLo6ow%253D%253D" style="background: 0px 0px; box-sizing: border-box; color: #2a6496; outline: 0px; text-decoration: none;"><img alt="Opteck" class="img-responsive img-center" src="http://www.fashion-method.com/fm8259/image/logo-opteck.png" style="border: 0px; box-sizing: border-box; display: block; height: auto; margin: 0px auto 30px; max-width: 100%; vertical-align: middle;" /></a></div>
</div>
</div>
</div>
</div>
</div>
At the end its just a method called trend chaser. In this technique you need to know 2 strategies;<br />
<br />
<ol style="text-align: left;">
<li> identify the trend - which he taught well</li>
<li>sense the trend changer - which he didn't tell you</li>
</ol>
<div>
<span style="background-color: yellow;">In short, this is still within the scope of <a href="http://malaysiapersonalfinance.blogspot.com/2011/09/do-you-really-know-what-technical.html">Technical Analysis</a>. And what you need to be careful is you have to be sensitive with the graph you are looking at. If it is a 5 minutes graph then you better prepare to trade every other 5 minutes, if it is a day graph then you should trade every other day. Good Luck !!</span></div>
<div>
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidY-4C8_mgpCOkNWSgSOpinJRIva_KWMxZchebV17Pnf00o-K6SnNGsmBbSTHOBffZn1GAzdWak4KxJMbWV5kmU1Vb0sC-xc9jvKyititl15_M7NJaKq-PCCoUrLGt1EP57bV5FpOAEkQ/s1600/micheal-hill-fashion-method-trends1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="168" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidY-4C8_mgpCOkNWSgSOpinJRIva_KWMxZchebV17Pnf00o-K6SnNGsmBbSTHOBffZn1GAzdWak4KxJMbWV5kmU1Vb0sC-xc9jvKyititl15_M7NJaKq-PCCoUrLGt1EP57bV5FpOAEkQ/s400/micheal-hill-fashion-method-trends1.jpg" width="400" /></a></div>
<br /></div>
</div>
<div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com1tag:blogger.com,1999:blog-5222663171691806565.post-91351701584391977762014-11-11T03:21:00.002+08:002014-11-11T03:21:52.749+08:00Malaysia GST by Ben Lai<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<iframe allowfullscreen="" frameborder="0" height="355" marginheight="0" marginwidth="0" scrolling="no" src="//www.slideshare.net/slideshow/embed_code/41329209" style="border-width: 1px; border: 1px solid #CCC; margin-bottom: 5px; max-width: 100%;" width="425"> </iframe> <br />
<div style="margin-bottom: 5px;">
<strong> <a href="https://www.slideshare.net/benlhe/malaysia-gst-implementation-plan-for-company" target="_blank" title="Malaysia GST Implementation plan for Company">Malaysia GST Implementation plan for Company</a> </strong> from <strong><a href="https://www.slideshare.net/benlhe" target="_blank">Ben LAI</a></strong> </div>
</div>
<div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com0tag:blogger.com,1999:blog-5222663171691806565.post-79903766078986507192014-11-01T07:11:00.002+08:002016-04-28T09:37:31.710+08:00New tools for Malaysia Stock Trading - 2014<div dir="ltr" style="text-align: left;" trbidi="on">
<a href="http://www.bursamarketplace.com/" target="_blank">http://www.bursamarketplace.com/</a><br />
<br />
<ul style="text-align: left;">
<li>Key Developments</li>
<li>Analyst figures</li>
<li>Alpha factor (used to compare with other stocks)<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9oO0AmjVC5cOIXl0kuTLZ5xeK7hDOIcy-E9bGM2qR18Iw4Yp4lR79WFloFc-yd0YInwgCCUcChMjKGgKxH7GpD-j7ZH-GauqqQawz2YNFovz4EkZGVRVnQHgGcrmF2c96Xti4jdDPkvY/s1600/alphaFactor.jpg" imageanchor="1" style="clear: left; display: inline !important; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="47" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9oO0AmjVC5cOIXl0kuTLZ5xeK7hDOIcy-E9bGM2qR18Iw4Yp4lR79WFloFc-yd0YInwgCCUcChMjKGgKxH7GpD-j7ZH-GauqqQawz2YNFovz4EkZGVRVnQHgGcrmF2c96Xti4jdDPkvY/s1600/alphaFactor.jpg" width="320" /></a></li>
<li>5 biggest potential gainer</li>
</ul>
<br />
<br />
<a href="http://www.theedgemarkets.com/" target="_blank">http://www.theedgemarkets.com/</a><br />
<br />
<ul style="text-align: left;">
<li>Related News (group wide news)</li>
<li>Ratio (used to compare with other stocks)</li>
</ul>
<div>
<br /></div>
<div>
<a href="https://jupiteronline.com.my/" target="_blank">https://jupiteronline.com.my</a></div>
<div>
(or which ever trading platform you use)</div>
<div>
<ul style="text-align: left;">
<li>Annoucements (big guys buying? selling ?)</li>
<li>General Info ( latest EPS, PE etc)</li>
</ul>
</div>
<br />
<br /></div><div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com0tag:blogger.com,1999:blog-5222663171691806565.post-40736405702075436862014-05-20T22:29:00.000+08:002014-05-20T22:29:19.408+08:00Manage Money like Other People's Money<div dir="ltr" style="text-align: left;" trbidi="on">
<div dir="ltr" style="text-align: left;" trbidi="on">
21st century Personal Finance by Dave Ramsey<br />
<br /></div>
<iframe allowfullscreen="" frameborder="0" height="315" src="//www.youtube.com/embed/6E0FVr0Uzf0" width="560"></iframe></div>
<div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com0tag:blogger.com,1999:blog-5222663171691806565.post-75135390554972531592014-05-18T23:31:00.003+08:002014-05-18T23:31:53.185+08:00Malaysia car price dropping<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
Car Price dropping soon, what is your pick ?</div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjKvUtNN1Bpzw0UCkU6G2iIJXVo5XnIrDa_nUal34aP1dwf3WnbyMxBwR2o3ddISfE3jHxcC_cyp5JbZyy56LdIIzv5p0Gp33ypK3bDzRFj7CaeEA8DC_VJmu6tiXiUlHVrFnV7j3bCOkw/s1600/10345762_10152183392759998_166259263120743607_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjKvUtNN1Bpzw0UCkU6G2iIJXVo5XnIrDa_nUal34aP1dwf3WnbyMxBwR2o3ddISfE3jHxcC_cyp5JbZyy56LdIIzv5p0Gp33ypK3bDzRFj7CaeEA8DC_VJmu6tiXiUlHVrFnV7j3bCOkw/s1600/10345762_10152183392759998_166259263120743607_n.jpg" height="400" width="312" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.nst.com.my/business/todayspaper/car-prices-to-fall-further-1.598114">http://www.nst.com.my/business/todayspaper/car-prices-to-fall-further-1.598114</a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<br /></div>
<div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com1tag:blogger.com,1999:blog-5222663171691806565.post-56038044829463696862014-04-11T13:43:00.001+08:002014-04-11T13:43:14.822+08:00What is really important in Personal Finance Planning ?<div dir="ltr" style="text-align: left;" trbidi="on">
<div dir="ltr" style="text-align: left;" trbidi="on">
There is a great video I have seen in <a href="http://www.howtofinancemoney.com/" target="_blank">LCF</a> where he talks about<br />
<br />
<ul style="text-align: left;">
<li>Insurance</li>
<li>Investment</li>
<li>Retirement</li>
<li>Tax</li>
<li>Estate Planning</li>
</ul>
<br />
<br /></div>
<div style="text-align: center;">
<iframe allowfullscreen="" frameborder="0" height="315" src="//www.youtube.com/embed/x2VVKy721oY" width="560"></iframe></div>
<div style="text-align: center;">
<br /></div>
<br />
Although I may not agree to all points but it is actually quite good and all points presented professionally. <br />
<div>
<br /></div>
<div>
Some of my pondering points</div>
<div>
<ul style="text-align: left;">
<li>5-6% investment cost is NOT LOW<br /><br />Actually whether an investment cost is low or not is always relative. For example, if you are paying 20-30% to others to manage your portfolio then it is lower to find one that is 5-6%. Likewise, paying 1-2% fee when you manage your own investment is common. <span style="color: blue;">So it is really a matter of your money vs your time.</span> If you pay more fee, you would expect better services just like any other things in life.<br /><br /></li>
<li>Thousands of saving on tax can be compounded to millions<br /><br />While its true you could save on tax but usually its not in a huge magnitude. To save thousands in tax, you probably have a certain amount of much bigger income to start with. <span style="color: blue;">Its more toward FREE money vs ignorance</span>. You could just save those extra money for your own use instead of just giving them away if you know how; while all these do not affect your constitution rights as a citizen.<br /><br />Some other times people actually channel the income elsewhere to save on tax but didn't realize if the money used elsewhere are of no additional values, then its really not a smart way to save tax. Examples are like buying books that you don't read, visiting clinics when you are actually healthy etc.<br /><br /></li>
<li>Product Features<br /><br />In the beginning he mentioned don't talk about 'product features' but at later part mentioned quite a few jargon. I felt like those are just 'personal finance planning features'. So perhaps <span style="color: blue;">its fine to talk about features as long as those are the features people care about</span>. :)<br /></li>
</ul>
<div>
It is great to see that there are so many professionals in finance planning industry now. It is really different 20 years ago where no one understand how one could make a living out of financial planning service alone. Overall it is a great way to get an introduction to what is really important in Personal Finance Planning. If I were to need some services one day, I would probably be very thrill to meet up with LCF.</div>
</div>
<div>
<br /></div>
<div>
I also have a feel that he is more incline toward insurance than mutual funds but its just my gut feel after viewing the video. Back then, financial planning is broken down into 2 main influencing industries. One is base on insurance and another is base on mutual fund, is it still the case now ?</div>
<div>
<br /></div>
</div>
<div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com3tag:blogger.com,1999:blog-5222663171691806565.post-3785579277486903792014-01-08T22:37:00.000+08:002014-01-08T22:39:33.319+08:00Malaysia Cost Of Living 2014<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjY-NV7cwhoA-Ear9ZsrZVi-iOUcSjffv11uEMgVIyaoGDibSYUIQgExHqNMb6ZKF8m1LGVXNLrVbcF8YQn3yoNOBrLe9lEKWCK-h4oZ_NTeGQPz3nhxFhnKVaH_I747SekThefaR26aOI/s1600/1463908_10153620886845391_165325726_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjY-NV7cwhoA-Ear9ZsrZVi-iOUcSjffv11uEMgVIyaoGDibSYUIQgExHqNMb6ZKF8m1LGVXNLrVbcF8YQn3yoNOBrLe9lEKWCK-h4oZ_NTeGQPz3nhxFhnKVaH_I747SekThefaR26aOI/s1600/1463908_10153620886845391_165325726_n.jpg" height="640" width="417" /></a></div>
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This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com3tag:blogger.com,1999:blog-5222663171691806565.post-91751725420909709772013-09-17T18:57:00.001+08:002013-09-17T18:57:44.990+08:00Currency around Malaysia<div dir="ltr" style="text-align: left;" trbidi="on">
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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 - <b><span style="color: blue;">"I can get more of their money with my money."</span></b></div>
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In short ... </div>
<a name='more'></a>For those who earn Malaysia Ringgit, its good to go spend in <b><i>USA </i></b>and <b><i>Indonesia</i></b>. On the other hand, those who are working in <b><i>China</i></b> and <b><i>Singapore</i></b> are laughing when spending their money back in Malaysia.<br />
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<b><u><i>USA</i></u></b></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEivvjM2tbVxSrBS3xcTz281srUxRaRwH0oVqYuju9Ur_1GMo7xc0IyDx8mBLitbvHbUm5bVDnVLQG1pgTzS5CgQ1wSVXs8s1mOyB6cPPTC9Zs9LIHUr5s2O-EIKSDcD0GK7rPOr-kHwG8U/s1600/usd.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="280" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEivvjM2tbVxSrBS3xcTz281srUxRaRwH0oVqYuju9Ur_1GMo7xc0IyDx8mBLitbvHbUm5bVDnVLQG1pgTzS5CgQ1wSVXs8s1mOyB6cPPTC9Zs9LIHUr5s2O-EIKSDcD0GK7rPOr-kHwG8U/s400/usd.jpg" width="400" /></a></div>
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<i><u><b>Australia</b></u></i></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiom8zbByVBZx7U0VIxLjazrd6HWkF0WcNGEw0_ib7GZNkgs0Nws4Kvw0DMHeMhBoKoQA78rX_DLDtnCbT0vQE-IzHYLmXDZo4a79w7k9x5TtiY-QVZ-z5nC4tLvRTPPk2fmGeCEnbXgVA/s1600/aud.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="277" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiom8zbByVBZx7U0VIxLjazrd6HWkF0WcNGEw0_ib7GZNkgs0Nws4Kvw0DMHeMhBoKoQA78rX_DLDtnCbT0vQE-IzHYLmXDZo4a79w7k9x5TtiY-QVZ-z5nC4tLvRTPPk2fmGeCEnbXgVA/s400/aud.jpg" width="400" /></a></div>
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<b><u><i>China</i></u></b></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxBs9Tk91bYaftgT3i71sL2ZnUDxgoLdL6L_6sIAOAn5M4Tu-zrAE6ci_jysZ7IK9ThZ4C69RgSANS-UOxYnQfJhePAQBEs_pVO8h8-K3CUcF05HvWUYoT9VBThhUpVmmfnPzVEqYt_iU/s1600/cny.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="276" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxBs9Tk91bYaftgT3i71sL2ZnUDxgoLdL6L_6sIAOAn5M4Tu-zrAE6ci_jysZ7IK9ThZ4C69RgSANS-UOxYnQfJhePAQBEs_pVO8h8-K3CUcF05HvWUYoT9VBThhUpVmmfnPzVEqYt_iU/s400/cny.jpg" width="400" /></a></div>
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<b><u><i>Indonesia</i></u></b></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi2tNl_K6QSiqPMQ0iYTQppbsRFTsVrE3hshJgZYQ1bEa2pCgo1lpmwjInV5rViKP2s8VOXwnN2x5vz_JzIiRx7mNEc-OIi5iP2ZpGLySRUVyN4CW3Rx7OsW0y_rVz-isXAAHUkK14e8wM/s1600/ind.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="281" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi2tNl_K6QSiqPMQ0iYTQppbsRFTsVrE3hshJgZYQ1bEa2pCgo1lpmwjInV5rViKP2s8VOXwnN2x5vz_JzIiRx7mNEc-OIi5iP2ZpGLySRUVyN4CW3Rx7OsW0y_rVz-isXAAHUkK14e8wM/s400/ind.jpg" width="400" /></a></div>
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<b><u><i>Philippine</i></u></b></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh17DF5EFlxkekXqMnubgkeYHY1iKjMiYlc-Tx9fe5rUHNBDz1Zlt12Cy_u-4TFTB69GXjlROEs-ivfP2GLtU71hUEKvXHU49Ri5l7Sdzr-fVs-is8TXuMIY-Q7HH2MJb609rwZh3U0_ig/s1600/php.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="280" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh17DF5EFlxkekXqMnubgkeYHY1iKjMiYlc-Tx9fe5rUHNBDz1Zlt12Cy_u-4TFTB69GXjlROEs-ivfP2GLtU71hUEKvXHU49Ri5l7Sdzr-fVs-is8TXuMIY-Q7HH2MJb609rwZh3U0_ig/s400/php.jpg" width="400" /></a></div>
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<b><u><i>Singapore</i></u></b></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEht8U4HX8GacDcr_C9cL5k0AcJ9nc6b_QUOQeo_065sdWkzvBf3DUeUcM6gCl7p0roQ0-oRwpxIhntI25-uy505FJ0AwXkxjcGY4wqodkF7U4KHFmfVD6SHhYwz-8vViuVi3RPJk7JHbkE/s1600/sgd.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="280" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEht8U4HX8GacDcr_C9cL5k0AcJ9nc6b_QUOQeo_065sdWkzvBf3DUeUcM6gCl7p0roQ0-oRwpxIhntI25-uy505FJ0AwXkxjcGY4wqodkF7U4KHFmfVD6SHhYwz-8vViuVi3RPJk7JHbkE/s400/sgd.jpg" width="400" /></a></div>
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<b><u><i>Thailand</i></u></b></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5o-YtxhS55RD_cepBPW8iAF-hlwbAOq8OXSlq8B0liGpIXB5MNFZMVn2JFTt1uhj3DPAcRviCJGbvZr8bdbVymoGX9hnEzwzYeIU6EAIpwz4BFnBpra2STB_0MJiIHrXpNvsj8IKsbR4/s1600/thb.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="280" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5o-YtxhS55RD_cepBPW8iAF-hlwbAOq8OXSlq8B0liGpIXB5MNFZMVn2JFTt1uhj3DPAcRviCJGbvZr8bdbVymoGX9hnEzwzYeIU6EAIpwz4BFnBpra2STB_0MJiIHrXpNvsj8IKsbR4/s400/thb.jpg" width="400" /></a></div>
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You can investigate more yourself by visiting to <a href="http://www.xe.com/currencycharts/?from=MYR&to=CNY&view=10Y" target="_blank">xe.com</a></div>
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<div class="blogger-post-footer">.
This article is posted on ~~~ malpf.com ~~~
.</div>Mt.http://www.blogger.com/profile/11182268410762882679noreply@blogger.com0