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

How To Pay Income Tax Online Using PbeBank

There are several methods for you to pay your income tax, you can make your payment at Public Bank, Maybank, LHDN(Lembaga Hasil Dalam Negeri) counter, by cheque or bank draft, or online banking. I more prefer do things online since it is hassle free; therefore I made my income tax payment through Public E-banking.

If you are a resident of Malaysia, and you have source of income from Malaysia…Then you have to pay tax. If you are a resident of Malaysia, but your gain income from overseas, like Internet business income, dividend income from foreign stocks…are all exempted from Malaysia’s Income Tax.

Pay Income Tax Through Pbebank

Make sure that you have a Public Bank Internet Banking account. You can apply it at any Public Bank branch. Once you get it, you can login your account.

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Full Time Blogger Income More Than IT Programmer, Possible?

Different bloggers have different mindset and that is the reason why there is an increase in number of paid products released by bloggers like e-books, e-courses, membership sites etc. It’s better than just sticking to Adsense on your blog.

Blogging is not just about making money, but it sure is a nice bonus. There’s no barrier of entry to become a blogger, where as programmers require real occupational training.

Previously, I was an embedded software engineer, which is not my interest field exactly. After I started blogging, I realize it has more potential than any other job looking at the current scenario. Besides, I can work according to my time schedule. Be my own boss.
In short I can live with my own life.

What Is My Ambitious?

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Guidelines On Property Management

Property management is one of the fastest growing services in the building and property sector. If you are doing research on property, then you should realize that the cost of maintaining building is very high nowadays. The cost includes not only material cost but also cost of time. This is because we need time to do research, review options, oversee and sell the assets off.

It’s very often you hear that renting an apartment is just throwing money away, do you believe that? No matter what, make sure you do your part in keeping your units rented out all the while. This is not always easy, but this is a goal that you should set for yourself if you really want to success in future.

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Esso & Mobil Smiles Point

I received a SMS from SmilesPromo last week stated that Esso Malaysia Bhd (Esso) and ExxonMobil Malaysia Sdn Bhd (Mobil) have come out their Smiles card promotion in order to help reduce consumer financial burden during this global financial tsunami.

For my opinion, this promotion can help Malaysians save on everyday expenses, which are redeemable via the use of their Smiles Driver Rewards loyalty points.

The promotion will valid from 30th March- 29th May and is available at all Esso & Mobil service stations nationwide.

During this period, Smiles members will be able to redeem selected items at special rates, such as:

500g of Milo = 650 points

100g of Nescafe Classic = 850 points

505g of TEAPOT Creamer = 200 points

So, what are you waiting for? Try to grab this golden chance!!!

How To Earn Smiles Point?

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Amanah Saham Malaysia & Amanah Saham Wawasan 2020

Yesterday, I received the news; government will launch the Amanah Saham Malaysia and Amanah Saham Wawasan 2020 for RM1.00 per unit for a minimum of 100 units on 21th April 2009 and 27th April 2009 respectively.

Since I have opened ASM account last time, this time I am aiming for Amanah Saham Wawasan 2020. I had convinced myself that the benefit would be there since I’m aiming for long-term investment. Nevertheless, it’s better than keeping money under the pillow. I always stay on the safe side of investing, so I recommend you to invest in this ASM and ASW2020.

ASW2020 has a higher average payout than ASM. If you are bumiputra I suggest you fill up your ASB first, since historically the dividend are higher. For bumiputra, I think you no need to wait for the new launch, just go to invest on normal day since most of the time the bumiputra quota is available.

Amanah Saham Wawasan 2020 and Amanah Saham Malaysia is always sold off. So you can’t buy any unless they offer more units. It is capital guaranteed and it is giving like 6-8% return per ear. If you compare it with FD rate of 2.5%(currently) that looks very good.

This type of investment is to ensure that citizen can realize the importance of financial planning for a more secured future, while contributing to the country’s economic growth.

Maximum Limit of 20,000 Units Per Account

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AdBrite Vs Kontera Inline Text Ads

Online advertisements are the best form of revenue from a website. Many blogger know to make use of Adsense, Bidvertiser text ads to make some bucks from Internet but do they know to use Kontera or the AdBrite inline ads? Actually, both do the same thing taking words from your content, double underlining them and display a pop up when your readers mouse over them. If the visitor clicks on the ads then you get paid.

I’ve now try to use AdBrite on Mr. Funny Blog - LimPek.com for less than a month so I can’t give my readers the full thumbs up as yet. But the proof from many pro bloggers is Kontera pays 30 days after your account reaches US$100 while AdBrite allows you to set your payment threshold but the downside is that they only pay by check 60 days after your account reaches the threshold. So, basically they are the same, and the rates were comparable.

However, Google Adsense is still ahead of the other two in terms of Cost per click.

Comparison Between AdBrite Vs Kontera Inline Text

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Prudential vs Great Eastern

Great Eastern is Singapore’s leading life insurance group and most of the Asian prefer it rather than Prudential. I get most of the Insurance information from my Prudential agent who is also my good friend and also the Great Eastern agent previously…So, I can know the clearer picture between both.

I got one crazy friend spend almost 70% of his income on buying insurance to protect himself. For me, no need do like that. What’s the point of living a long life if you cannot enjoy the joys of living?

If one do not know how to give up smoking, no exercise and insufficient sleep, heavy drinks, and always take fatty food also useless. Am I right?

Which Has Best Insurance Policy?

I personally think that good agent is the best policy. Great Eastern has a lousy claim service and extremely stupid underwriters? I am not sure about that…

Will Commit Suicide Covered In Insurance?

Cover will vary from policy to policy. It mostly contains a suicide provision. If the holder commits suicide, within one year from the date of commencement of the policy, the policy shall be void and the premiums paid will be refunded.

I will share the cash value comparison between Great Eastern and Prudential in the coming articles. Stay tuned !!!