Malaysia Financial Blogger | Financial Freedom Ideas | imDavidLee.Com

Buy Magnum Without Spending Your Pocket Money

Today, i want to share with you on how to buy magnum in a smart way. I believe that many people especially chinese will buy magnum during weekday (wednesday) and weekend (saturday & sunday). But mostly they will buy magnum using their hard earned money, if they did not win on that particular day, they may feel very uncomfortable.

Haha…Why must act and behave like that since i have some good way for you but it’s only valid for weekend only.

ImDavidLee Suggested Idea:
Buy “Guang Ming” newspaper (RM 1.20) on every saturday and cut off the Magnum coupon which displayed as I posted below. By doing this, your newspaper only cost you RM 0.20 or if u buy the newspaper as usual one then u can buy your luck without spending your money. Depends on how u think la…Hehe..

With this coupon, you will be entitled for free RM 1 to buy whatever number u like. It is valid for 2 days means that u can buy on either saturday or sunday of that particular week.

After ‘kena 4 ekor’, please donate me some ya…Haha..

Part 1: Secrets of Creating Animated Logo Using Macromedia Flash

This is the first time that I provide tutorial on how to create the animated logo that was published on last week. Still remember?

This tutorial is created due to good feedback and request from some bloggers and forumers. Average rating for my animated logo is 7.2. That’s under my higher expectation, but I still satisfy with what I have obtained currently.

By following exactly the procedure that I have provided then you may see some part of the animation as expected. If you found any problem, you may leave me some message for consultation.

Step 1

Step 2

Step 3

Step 4

Step 5

Step 6

The Malaysian Dotcom Youth Search

It is the hunt to identify the hottest and most innovative website, made by youths. If you’re aged below 30,u may submit your site with the condition if u own a blog or a website. Listing starts 15th December 2007.

This SPECIAL AWARD will be judged base on the number of hits and the traffic counter uploaded in your site. Have fun clicking away and all the best for the Search.

The Rewards :
- RM20,000 cash prizes
- Investment opportunity with investors
- Incubation by MIRC Incubator
- Extrepreneurship support by YouthMalaysia and Naffnang

Please vote me by clicking the banner appear at the top right corner !!!

My Animated Logo

Haha…Finally, i have produced my personal animated logo which will be used in my
latest blog imDavidLee.com. I used about almost 2 hours to create this simple animation. Within this duration, i spent some part of the time to think out some idea on how to design the logo and for sure there will not have any copyright issues. In the other words, it is fully owned.

Hopefully you may evaluate based on what i have contributed. The rating that you will
give to me must take into consideration in terms of :

1. Design creativity
2. Smoothness of animation
3. Complexity of work
4. Uniqueness (fresh feeling)
5. Level of annoyance
6. How well it match to the theme of my blog?

The rating is start from 0-10:

0 Very Weak (can quit from creating logo forever)
1 - 2 Weak (need work hard & smart)
3 - 4 Pass & Acceptable (Hokkienese means ‘lao jiak’)
5 - 6 Normal & Average (still can have more improvement over its based on current ability)
7 - 8 Good & Creative (Grade A’s work)
9 – 10 Excellent & Perfect (Grade A++ work & Professional)

Can you please post the rating as comment to me? Thanks in advanced & your co-operation will be highly appreciated.

Remember to switch on the sound volume…

Food Saving Tips

You can save quite a fair bit from your daily food depending on your lifestyle. Below is the common method that I always do and may be can help you on how to save your monthly expenses.

1. If there have choices for me, I will prefer “Ta Bao” (take-away) food instead of eating out which may cause you to order drink? A 2-person meal in a normal restaurant with 3 dishes will cost you more than RM30. While take-away for two persons will not cost you more than RM10. Try to imagine if having your meal at luxurious restaurant. For sure, it’s very nice and can enjoy the good environment but when pay your bills; it’s not only pay for your food but also the environment that you have enjoyed.

2. Sometimes, you may ask your mother for some good recipes. Cook at home is also another good idea to save expenses. Besides that, it’s healthier than eating outside since the hawker will do the best of their business without caring other people healthy. Personally will have 1 or 2 times per month to have home cooked meal only but I also feel very happy and feel that home cooked meal is tastier.

3. Meeting your friends for dinner usually will end up at expensive restaurant. There is nothing to be ashamed of if you tell your friends that you are on budget. I can be more blunt, I told some of my friends that I simply hate expensive restaurant. I will join them after their expensive meal. A better idea is you must to be a leader sometimes and try to schedule a gathering after dinner at some low expenses place like Mamak store.

4. Stay away from beers, cigarette and pubs. Stay at home with your family. If you are surrounded by friends that drink beers, smoke and go pubs and you are financially strained due to such habits. You are probably with the wrong company. Join another group of friends. Previously, I have this kind of habits but now my friends have gone to Singapore for several years working there. Thus, I don’t have any friend that can invite me for clubbing already. Haha…It’s good news for me actually… But sometimes miss them also…

Hong Leong Credit Card

Yoyo… I applied the Hong Leong credit card and it took only 3 weeks to process…I received MasterCard (Mobile Master) and VisaCard(MTV Card) at the same time. Total shared credit limit is RM 4500. Yesterday, i spent some time go to Hong Leong Branch to activate my account instead of calling to Customer Service Centre for activation due to i have some more important questions that need to ask. Indirectly, i can also save my phone charge because need to call to KL number (03) instead of toll number (1800) if activate myself.

I have advised to use it for at least 3 transactions for each of the account within 60 days. If unable to do that, then will be charged RM80 of each.

Hong Leong Master Card offers me 2 years free annual fees and Visa offers me 1 year free once you have activated its. For me, i feel that it’s VisaCard bring more value to me.

That VisaCard is commonly used for clubbers because i found that it would bring more privileges to them. For example, with this VisaCard, which is also MTV Card, the clubbers can get free entrance (no cover charges during Wednesday, Friday and Saturday except public holiday and festive seasons) to access glo, momo, Tiger Armed at Penang Road. Besides, they also can enjoy Happy Hour whole night long beer at Tiger Armed. They also can have 15% discount on each bottle that they open at that mentioned location.

In addition, they also can use at Coffee Bean & Tea Leaves for special discount except Penang & KL Airport Areas. I think you can have junior scoop of ice cream at Baskin Robin once you have purchased RM20 and above in a single receipt.

Personally think that it will bring more benefits to KL people since most of the restaurants got such benefits are from KL like Little Vietname, Moritomo Japanese Restaurant and so on that you may not find at Penang area.

I probably use my credit card for internet transaction only and that’s very straightforward achieve to my objective which is ‘Secrets of making money using credit card’…Haha.. ( will be shared with you on later post )

Good News For EPF Account Holders

What do you think about the lower service charge set by the EPF? Currently unit trust companies can charge up to 6.5% in service charge for investments. This is either Public Bank or Public Mutual rate, which are the highest unit trust rates among other’s unit trust. From Jan 1 2008 all investment that are done through EPF will only be charged a max of 3%. It’s great news for those who invest in unit trusts through EPF. Do you think that’s low enough or is it still high?

Anyway, it’s a great move for EPF to force to reduce the service charge; this will make the UT industry more healthy and active. Indirectly, this move will make all the UT companies to reduce the normal service charge as well.

I think people should not just think of it from one point of view.
Lowering the initial fee is good for EPF investors, but it is actually cutting the commissions of agents. Indirectly, it would cause agents not willing to handle EPF cases, thus not making the investors any good as well. Am I right?

There are 2 accounts in your EPF.
=>Account 1, 70% of your money goes towards your retirement and can only be withdrawn once you reach the age of 55.
=>Account 2, 30% of your money, can be used to obtain a housing loan, education, medical expenses, and pre-retirement withdrawal at age of 50 instead of 55.