I hope that through this platform, I can know some feedback about this topic. Do you think working in Malaysia is better than working overseas for long term?

Malaysia is still a developing country so there still will be a lot of opportunity. UK, which is, developed country, which means that you have to be the one that is outstanding then you will only get your higher chance to get a better career.

Factors To Consider Before Working Overseas

Sometimes, depending what kind of work and the most important of all what is the money that you are earning. For example, if you are working on something that will not bring healthy idea to help in developing our country, then please do not work in oversea. This is because you did not pose any good attribute and quality in yourself.

Someone asked me, as a fresh graduate from local university without any working experience, is it good to work in UK?

Speaking from UK point of view, it’s not easy for you to get a job. Unless you have something very attractive to offer, for example, you owned an engineering model for a particular field and earned yourself credits for it, it will be quite a challenge to secure a job via a local degree.

My suggestion is to work in a MNC such as Intel, Dell, Motorola or others, earn some experience and it will be easier. Singapore would be an ideal place to start.

If You Are a High Quality Employee, Why Not Consider Working in Oversea?

In my opinion, Malaysia will forever be a developing country. It will never reach the level of Singapore, Hong Kong, UK etc.

Like what other people said, if you believe you are outstanding, then of course you should work oversea where it’s possible to make more money and business. As for me, I love to enjoy the challenge and competition, and at the end of the day, you will get more job satisfaction, self-achievement and get handsomely rewarded.

In addition, I still believe Malaysia paid less compare to other countries; other country people salary will be times whatever the currency.

Finally saying…

My aiming is to earn big money and that is enough for my family living above average or towards the luxury lifestyle.

I’ve planned to work out of Malaysia because very frustrated of the way the management runs in most of the company. But, now this probably could be delayed until I have good customer base in my country first. Reason: I want to earn both side incomes.

How about you? I just want to hear some people thoughts, or people who have worked overseas before, please share your experiences. Thanks.

I always aim to be the FIRST to promote KFC (Kentucky Fried Chicken) whenever there have discount; promotion, voucher or coupon codes are released. This is to make life easier for you. All current KFC discount vouchers and other promotional information with fantastic value can be found here.

20% Discount on Toasted Twister !!!
10% Discount on A.M Sausage Platter !!!
10% Discount on Flava Roast Chicken Fillet Combo !!!
15% Discount on Flava Roast Giant Cookie Sandwich !!!

I am the one who is KFC supporter. Hahaha… However, due to the economy downturn, the percentage of going to KFC is very low. This is because I want to reduce the unnecessary expenses. But, with this Free KFC Voucher, then it’s time for me to pay them a visit again…

Get Your FREE KFC Voucher

Firstly, click on the image below to view it in larger size. Then print KFC voucher it in either black or white and whatever size as long as it is readable. Present the voucher upon ordering. That’s it.

It is offering a few discounts for various food selections. So, do you think now it’s a good chance for you to enjoy food at Malaysia KFC Restaurant? Note: The promotion is not valid during public holidays. Please look for them in the vouchers for other terms and conditions applied.

Terms & Conditions

- Valid at all KFC Restaurants except East Malaysia & Brunei.
- Limited to 1 offer per coupon.
- Not exchangeable for cash.
- Not valid for other promotions & discount offers.
- Price subject to 5% Government Tax where applicable
- Only printed color & b/w is accepted for redemption.
- Valid until 30th Aug 2009

What makes things worse is that some of the parents are absolutely thinking with money. Once his son/daughter got a fixed salary job then they will ask them to pay this and that. How about your situation?

For me, I not only pay them money but also pay the Internet access, house electrical bill and buy things for them, this is not a forced action but that’s my willingness. I think it’s a kind of responsibility. When my salary increased, so they may enjoy more “allowance”.

My Hard Time Is Over !!!

During studying in college at KL, I like to compare other friends with me; I feel a bit proud and more higher self-achievement because most of them need their parent support (some 100%, 80%, 50%) for their education while I had to shoulder the bulk of the financial responsibility. Who’s know my situation at that time? Nobody!!!

More Reasons Why Should Give Money To Parents

If possible, try to give parents money every month. Even if they are not short in money,
but at least they can have extra money to use and I hope they will enjoy their life. They have sacrificed for us a lot, so now it’s our return to our parents.

Try to imagine that no matter how much you want, you can’t give parents money forever. As one day they will leave us. When you think of it, we shall try to treat them better when they are still with us. Money is one kind of our appreciations to them. Of course, it is not only in the form of giving some money but also in the form of accompany, chit chat etc.

They don’t save much money for their late ages, for all the little money they can earn
when they were strong, has been spent on their children. So, do you think should we give parents money?

Do You Think Giving Money To Parent Is Essential?

I personally think that since they have no ability to earn money, so at least we should give parents some money or do something to reduce their burden.

Some of the parent always said that they don’t want money from their children but the most thing that they want is to be closer with them…How do you think of that? Do you think you have to give money to your parents?

SEO analysts claim that this figure is as low as 60% while I calculate it to be somewhere near 80% for my Malaysia Financial Blog. Here, I recommend you to spend some time to accommodate with Google as much as possible. In the other words, try to do something to let Google recognise your content.

Tips & Tricks of Getting Traffics From Google Search Engine

“I am not joking because I am not the joker”. Google can deliver high quality traffic to your sites. There are no tricks to it either and make sure your site is properly optimized with the right keywords for your niche. The rest happens by getting good links.

My Current Aim: I figure out that I just need to keep blogging and keep up with articles and it will come in over time Google remain as my top source of web traffics. Right now I’m trying to see what keywords my visitors frequently use and create more articles based on those keywords. And, for your additional information, my Search Engine Traffic is picking up day by day and hopefully that will continue. These are my tactics!!! So, what’s yours?

My next big source of traffic has been Social Bookmarking. The volume of traffic that social media can send is really powerful. My most favourie Social Bookmarking site is Digg.com since you can managed to get on the front page of Google search result.

Next, being an active member in a popular forum also can help, but I don’t do frequently due to time constraints. No matter how, the important thing that you should try to achieve is to establish a steady flow of visitors. Let me show you what I found in my Google Analytics:

After seeing my graph analysis, is it a good idea to invest in my blog? Haha…Anyway, can you tell someone how many visitors of your blog on daily basis?

Private Student Loans can help you to cover your cost of college education when savings, scholarships and parent aid aren’t enough. However, sometimes we need to know the student loans information in order to help you understand your responsibilities and avoid financial burden.

Nowadays, having a college education is not as cheap as last time. There might have students who are paying fees for their study under loads of debts. Once you graduate, they might find it difficult to payback the payments.

When you are in college or university, it is possible that you would have many choices to take different college loans with different interest rates. From there, you can choose for refinance because you can get a lower interest rate student loan. Tips: Refinancing the student loan can help you lower down the entire cost of your loan.

Mostly, every country’s governments won’t charge the interest on student loans until after they have completed their studies. For my case, I applied PTPTN loan before and they only started charge you interest after six months of graduation. This mean that you enjoy interest free from that time you applied the loan till after six months you leave school.

If you are planning to start own business with new and creative idea then MSC Technopreneur Pre-Seed Fund may be a great chance for you. It is a good opportunity for you to become your own boss.

This fund is really helpful for those who have a good business idea in ICT field but do not have the capital and meanwhile do not want to apply loan from bank because they are not 100% confident in operating business. Through this program, you can get a fund up to RM150k and don’t need to pay back upon certain conditions!!! Existing companies are not eligible to apply.

I will share with you what I’ve heard from other people who attend the seminar held by the MSC Pre-Seed fund committee. They have learnt about how’s program work and also attended a talk given by success applicants of the fund.

What I Know About MSC Pre-Seed Fund?

- It require a lot of time, effort and paper works
- It is HARD to get approved! There is no such thing as free lunch. Some people had tried to submit and resubmit their business proposal 2-3 or may be 6-7 times. Nobody success at the first time this moment.
- You must have a solid and workable business plan. Simply bluffing business plan is useless. Just for your information, creating a website that earns income from AdSense will not qualify. They will look at your source of revenue, which in some form or product or service sale, technology licensing, etc.
- You must always seek advice from succeed applicants so that you won’t fail too many times.

However, now I’m seriously considering applying for this fund. It’s free money! The money will help you in venturing the new business and shorten the time to market. Also, I will go through some process and learn things that I never learned.

With this MDEC fund, you can have the human resources to help you, and research and development, and you also can get the necessary technology to assist in your business.

My Most Concern Issue

As everybody known, during the application and prototyping process, many will get to know each other and there is possibility of somebody copying your business idea. So will I lose confidentiality and competitiveness?

There is a latest promotion where you need only pay RM10 to register as a PLUSMiles cardholder and the RM5 would be automatically credited to the card. This is good initiative to to encourage more highway users to switch to the electronic toll payment.

Where To Reload Touch’n Go Card?

As everybody known, you can reload your Touch ‘n Go card at Touch ‘n Go Kiosk, counters and reload lanes along the highways. However, apart from that, customers can purchase and reload their cards at other locations, which provide Touch ‘n Go Service such as:

i. Petrol Stations - Petronas, Shell, Esso, BHP, Caltex
ii. ATM - Maybank, Public Bank, CIMB, RHB, Bank Muamalat & Ambank (Reload only)
iii. Cash Deposit Machine - Ambank & Maybank (Reload only)
iv. Agents - TMPoint, Photo shop, bookstore etc

Steps On How To Reload Touch’n Go Card via Maybank Kawanku ATM

1. Insert your Maybank ATM card, key in your PIN and select “Touch N Go“.

2. Select “LOAD VALUE“.

3. Your ATM card will be ejected out. Remove your ATM card. Place your Touch ‘n Go card on the Touch ‘n Go panel.
4. Select the amount that you wish to reload.

5.Select the account type that you wish to debit.

6.Place your TNG card on the Touch ‘n Go panel again to reload your card.
7.Once transaction is successfully done, your card new balance will be displayed and your receipt will be printed.

Limitation of Reload Touch ‘n Go At Maybank ATM

There’s a limit for reloading Touch ‘n Go card, you can just reload up to a maximum of RM500 each day per ATM card. The minimum reload is RM50.

And, RM0.50 will be debited from your account for every successful reload transaction. Do you think it is worth?