I am not good in investment. I see most of my friends invested their money in share market or buying properties. I tried to invest my money in mutual fund as well, but, the economy crisis just hit to our country. As the consequences, my invested value is getting lesser and lesser. At the end, I stopped to invest more money into it.

Since I have no place to invest, so I put a big portion of my money into bank. At least I can see the interest growth, and bring some profits. But, the government wanted to stimulate our market cash flow, so they decided to decrease the interest rate. I am confused with the bank rate which offered by the different bankers.

Luckily, I found a website which could help you to monitor bank’s rate. At monitorbankrates.com, I can get five financial calculators including a Certificate of Deposit (CD) calculator! It could help me to calculate how much of the interest that I will earn on a CD.

It is very easy to use calculator. I just need to enter the CD deposit amount, and then select term and CD Rates; I could easily monitor my money in the bank!

So, where do you put your money?

We went to Sunway Pyramid for New Year shopping “last year”. It is a place that we rarely go. Since now it is quite near with the place that I work, so, I took my housemates there for shopping.

Then, we went to Gasoline for dinner. It is located at the upper level of the mall. The first thing that attracts our attention was the outlook. It is like a corsair, with Christmas decoration. Then, the food selling there is affordable. It is like RM6.90 – RM10.90. We ordered few single meal, mainly rice, taste OK. Don’t put too high expectation with the food in that price range.

Anyway, we spent RM50++ for 3-pax. Mainly is because we ordered expensive drinks. Perhaps it is a good choice in cheaper meal in Sunway Pyramid~!

Normally, I will change my eyeglasses once a year. Now is the end of the year, I am planning to get a new pair of eyeglasses for myself. It can consider as holiday present to myself.

I started to search eyeglasses frame in the local shopping mall. There are a lot of promotions provided by optical store. However, the eyeglasses frame seems to be very expensive. This is especially for the latest model.

Due to the economy downturn recently, I am not sure whether I will have bonus for this year. So, I have to save my money for other necessary stuffs especially in New Year holiday. I decided only to change my eyeglasses only if I can get a better deal!

Fortunately, I found a website which is providing Holiday frames with unbeatable price. There have wide range of selections and selling at lower price range. The frame design is nice and trendy as well. I have selected my preference frame (refer to the picture below), it is only $29.95. I can save more than 50% from this offer.

So, if you are looking for eyeglasses for yourself or as a holiday present, I would suggest you visit to ZenniOptical.com and find the suitable frames. You could save a lot of money from there!

Sometime I feel like 2008 over too fast. There are still few things that I am not able to achieve in this year. Anyway, I know I shouldn’t blame on time, I should blame myself being such ignorant.

I don’t have any special plan for New Year eve. There are many events in town, but I don’t plan to join any. It is too crowded for me and I hardly to enjoy in this environment. Perhaps I am too old for this.

Today is the last day of 2008, wish all of us could enjoy this day peacefully~

Many people are affected with the recent world economy downturn. I have a friend, Stella who take the Voluntary Separation Scheme (VSS) from her company and start with her own business. Before she makes the decision, she had paved a way to start her own business.

She has limited money to start the business right now. So, she studied online and learned about incorporating her business. For me, this is a new concept of doing business. With incorporate a new company, you could save cost far less than people realize. Besides, it could be done without lawyer and can provide many benefits from lowered personal liability to favorable tax treatment. This is one of the different between a corporation and LLC. Besides, there are few different between corporation and Limited Liability Company (LLC), please refer to the figure for the summary.

This offer is valid for all the states in US. Stella decided to start her incorporate business in Oklahoma. I could see this is a good opportunity for Stella to start her business. I wish she can success in her business venture with the help from clickandinc.com. Please visit to their website if you want to start your own business. Wish you good luck too!

After more than one week holiday in hometown, I finally back to the real world. Since Monday is a public holiday, so I expect that would be a hectic traffic in highway. I purposely drive back to KL on Sunday to avoid jam in highway. But, I was wrong.

I encountered few traffic congestion in PLUS highway while I drove back. This is due to bad weather and many cars on the road. At the end, I spent four hours plus through this journey. Normally, it is only about three hours.

Anyway, it was a safe journey. I am back. Then, I have to start to work now…

Do you have problems in managing your personal finance? If you do, I have a story to share with you.

I have a friend, Jessica. She is a big spender. Before the economy crisis, she spent all her income on luxury goods, such as shoes and clothes. She didn’t have much saving in her bank account. She was so unlucky to become one of the ‘victim’ in the company’s retrenchment programs. Then, she became jobless three months ago.

Her financial problem occurs when she lost her job. She needs to pay for the credit cards, living essences, housing loan, and more. As a friend, I could not give much helps in term of money. But, I can give her advice to find the expect to help in her financial management.

As I know, there is an excellent debt management company at cleardebt.co.uk. They have a lot of Debt Management Plans to help people who need financial advice. Their products include debt consolidation, bankruptcy advice, credit card debt help, debt management, debt solution and more! I encouraged Jessica to contact them for helps.

Few days ago, I met Jessica in a shopping mall. She told me that the debt management company did help her much in her financial problems. Now, she has solved the problem and found a new job. As a token of appreciation, she paid for my lunch on that day. I am so happy that I can help her!

Then, I decided to write this in my blog so that I can share this information with wide range of my readers. I hope every one of you can find an effective way to solve your financial problem~!

Since I am in my hometown and not many of my friends are here, so I will just stay home and watch TV. Every year, I will stay in hometown during Christmas. I am not a Christian, but my leave just happen to be allocated during this period.

How do you celebrate Christmas Eve?

I have a friend who is doing e-business in the internet. He is one of the successful young entrepreneurs in town. Last week, we were having a sharing session with him on Search Engine Optimization (SEO). I learned a lot of things from him and he just enlightens my day!

He recommended a CRE Loaded SEO to us. This tool could change dynamic URLs to static and well-structured friendly formats. This can improve Search Engine Ranking and readability effectively. Current, my friend is using this tool in his e-commerce website and he is satisfied with the service. He told us this is something worth to invest if you want to have a successful e-commerce website.

After the sharing session, I visited to the website that given by my friend. I found there are few advantages from this tool. As a summary:

• Maximizes Page Rank for successful SEO!


• Supports heavily modified CRE Loaded shopping carts


• Allows website indexing by web crawlers in multiple languages


• Does not break any installed CRE Loaded add-ons, modules or templates/themes


• Includes a free SEO XML sitemap add-on (Sitemaps)


• Features easy installation requiring only one line of code


• Comes with a free installation service

So, if you are looking for a effective SEO tool, I would recommend it to you as well~!