Malaysia’s Financial Blogger | Financial Freedom Ideas | imDavidLee.Com

Parking Summon In Malaysia

As far as I know, only a summon with both your plate number and road tax number is considered as a valid summon. If MPPP summon, literally speaking, until you get a warning letter from them, you can ignore. If PDRM summon, literally speaking, you can omit to pay for 2-3 years, until the police show up in front of your door with a warrant of arrest.

Sometimes, it’s not our fault but it’s low responsibility of government. You may found inadequate parking at somewhere. My advice: MPPP should focus on the objective when issuing parking summonses.

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Why Genting Share Price Drop So Much?

Buy low sell high. It’s time to buy!!! As an intelligent investor, mostly they will act in this way. But due to current economic situation, better acts in careful way and watch the correct timing.

Somebody thinking: Since the world market on the opposite direction, they might wonder whether it’s a great time to buy blue chip, such as Genting share?

I observed that it’s very volatile, the price rise a while but crash down drastically on the next minutes. Same like roller-coaster game you play in Genting Theme park. Sometimes you’re on top, and then go down hill very fast.

Check on the statistics, you can see Genting share now is 3.78 only.

Reasons of Genting Share Price Dropping

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Should We Sell Off US Dollar Now?

I am wondering, should we change our USD to MYR at this moment? Or should we keep and wait for the price to go up?

If you think USD will appreciate later, then just keep it. If you think USD will depreciate later, then sell it off now and you can buy it cheap later. I speculate that the dollar will appreciate in value somewhere near the future.

My view: Since it is 3.6 now, it isn’t a good idea to sell it off. For currency, it will never drop to zero because a country can never go bankrupt compared to buying shares. It depends on how much you bought your USD for. So, for now, just wait patiently for inflation to settle.

You are saying, the less advanced is a country’s finance, the less affected they will be to this credit crunch crisis. Malaysia being less advanced than US will be less affected by this crisis either.

Where Can Check Latest Foreign Currency?

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Search My Keywords In Google

Before creating any new content, one of the most important things to consider is which keyword to optimize for. This is important because having the right keyword or phrase can help you get ranked higher on Google search engine, which in the end will bring more traffics to your site.

The only Free Google Keyword Tools that I am using is All In One SEO. I plan on making a tutorial about this tool sometime soon. I’ll share some secret ways of using keywords so you can dominate Google’s front page.

As market keywords are too competitive nowadays, so it’s not easy for Google to shows up your site at the top. I have done my homework and found a couple of my keywords, which you can find in Google.

My Keywords or Phrases

Local Search Keywords/Phrases

Maybank sucks/ Maybank suck => List #1 Page #1 (>10,000 search results)
Maybank cash deposit => List#6 Page#1
Maybank debit card => List#8 Page#1
PTPTN loan => List#10 Page#1 (>40,000 search results)
Payback PTPTN Loan => List#3 Page#1, List#10 Page#2
PTPTN loan interest => List#4 Page#1
PTPTN interest => List#8 Page#1
Digi free SMS => List#6 Page #1
Digi Postpaid => List#10 Page#3
Hong Leong MTV card => List#3 Page#1(Just under Hong Leong official site)
Hong Leong credit card => List#2 Page#1
Malaysia fixed deposit => List#1 Page#2
FD calculation => List#3 Page#1
Malaysia car price => List#4 Page#2
Malaysia salary => List#9 Page#3
Ebay vs Lelong => List#2 Page#1
Ebay and Lelong => List#7 Page#1
Amanah Saham => List#3 Page#3
Amanah Saham Malaysia => List#7 Page#1
Amanah Saham dividend => List#1 Page#1
Register Maybank2u => list#6 Page#1

Global Search Keywords/Phrases (More valuable)

Paypal exchange rate => List#8 Page #1
Withdraw paypal fund => list#6 Page#1
Namecheap coupon => List#10 Page#1
Namecheap coupon code => List#7 Page#1
Namecheap January coupon => List#4 Page#1
Namecheap February coupon => List#4 Page#1
Namecheap March coupon => List#7 Page#1
* Make money blog tips => List#1 Page#2 (most popular search, > 34,100,000)

Knowing The Basic Concept of Getting Higher Page Rank

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Malaysia Road Tax Rates

This is the Malaysia road tax rates, which made with effective from 1st January 2007. Road tax rates have been lowered by amounts in between 0.6% to 33%. Although it’s a difference of only MYR10 to MYR20 but it at least can help to reduce citizen financial burden. Hopefully that the government can propose new road tax rates in the 2009 Budget.

The following table illustrates the road tax structure of vehicles that running on petrol & diesel for Peninsular Malaysia, Sabah & Sarawak:

They’ve set a fixed road tax rate for every 200cc of increase in engine capacity, so basically someone with a 1600cc engine saves more than someone with a 1401cc engine.

Someone said that our government is useless and brainless, or some of them, don’t even go to higher education. “What I know is some western countries imposing high tax for gas high cc engine is due to environment concern, not like our government first intention is to suck more money!” Haha…really funny!!

EPF Dividend Rate Drop To 4.5%

Employees Provident Fund (EPF) is going to declare only 4.5% dividends for the year of 2008.

I’m quite certain this will raise the dissatisfaction among working Malaysians who work hard for an honest living and will depend on the EPF after they retire from active work.

This is the clear fact that WE ARE IN AN ECONOMIC CRISIS?

However, if you look from different angle of views, this is the rate, which still put EPF at a high position globally when equity and trust funds are giving out insignificant returns on investments. For those who are in the banking sector, we all know that the bank fixed deposits is definitely not as much as EPF’s returns.

NameCheap March 2009 Coupon Code

Namecheap.com one of the most popular domain registration company. Most of the webmaster prefers to register domain with Namecheap.com. This probably because of its various discounts through coupon codes and promotional offers.

The Namecheap coupon code for March 2009 has been released. You can register a new domain name with namecheap for just $8.81.

Discount: Save 88 cent for 1-year new domain registration only.

Expires: 31th March 2009

The March coupon will discount $9.69 to $8.81 on a new domain registration. Use the coupon emphasized in red bold to take advantage of this offer.

Namecheap Coupon Code: SPRINGSUN

To know more about steps of using this coupon code. Go to my previous article -> NameCheap January 2009 Coupon