Malaysia Financial Blogger | Financial Freedom Ideas | imDavidLee.Com

How to Use Maybank eFixed Deposit Online?

Maybank eFD provides convenient way for FD account holder to make Fixed Deposit placements online. All transactions are real time. But, there’ll no certificate be issued.

So, if you are willing to open Maybank eFD, then you just login to Maybank2u.com. Click on Accounts & Banking and you will see Fixed Deposits. Then, click on Make an eFixed Deposit placement. Next, you can select eFixed Deposit type (Maybank Conventional Fixed Deposit or Maybank GIA Mudharabah or Murabahah Deposit Account MDA-i).

After that, please select term of your eFD. So there’s 1 - 60 months.

Please make sure that know the FD rates before you do the placement so you won’t feel regret later. So, below are the latest FD rates:

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MBA Course - Worth It Or Not?

After conducted a few survey about MBA course, I found that quite a great number of Malaysian do not agree that MBA can guarantee career success. Many said that the value of it is exaggerated.

I have few friends who graduated oversea and comes back to Malaysia to work and deserves the low pay. I can see that almost 50% of them rather prefer get posted to other countries like Singapore to work in MNCs. This is because they will be more appreciated and paid based on their qualifications.

However, most companies will pay more for a person who is ambitious, and a proven track record of performance or learning. I believe that if you’re young with MBA paired with reasonable work experiences, solid education and good communication skills then it’s extremely convincing proof of a potential performer.

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How to Calculate Your Google AdSense Earning?

Do you ever wondered how much I can earn from Google AdSense? When I started displaying Google AdSense at my blog I wondered that how much would I earn from it. The answer to this question is very subjective and it depend on what techniques you use to make money. You can really make a great amount of money per month if you use good keywords to create content and get traffic.

Basically, your earnings from Google AdSense is solely depends on keywords, CPC, eCPM, and traffic:

i) Keywords are the words or terms that people search in the search engines. Certain keywords are higher in earnings, which may be worth $35, and another may be worth $5.

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My Blog Traffic Increased !!!

Most of the blogger also have an interest in increasing their web site or blog traffics. In this article I am going to show you my blog traffic using Google Analytics. Increasing traffic to your web site or blog is probably the most toughest part to achieve. Building a web site or blog indeed has its own challenges; however, what normally people achieve is that they can build a very nice site but fail to get traffic to it.

Last time when I just started blogging, I also encountered a lot of issue and sometimes fall into ‘blogging sick’ as lacking of idea ‘what to blog’ next. Besides, I also suffer a lot when doing Internet marketing for my personal blog. But now these kind of serious problems no longer exist and I feel so happy with my daily result, somemore I can predict how my traffics is going to boost in near future.

I tend to narrow my traffic results in 1 month which is 30 days period.

Where are my insights?

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Shorter-term Fixed Deposit Tenures Would Be Better?

Fixed deposit has been seen as a lower return saving vehicles. But, it is low in risk and high in liquidity as well. In current situation where interest rates are expected to go up, people may start to question how long they should place their money in the FD account.

Based on my personal calculation, it’s better to place your FD in a shorter tenure so that you can take advantage of the expected interest rate rise in future. I still remember in the mid of May, Bank Negara Malaysia revised its Overnight Policy Rate (OPR) by 25bps to 2.5%. You can try to put your fixed deposit in a shorter tenure such as 1 month, 2 months or 3 months. This is because if you put in a longer tenure now and you can gain an extra 25bp from it, but you won’t profit from it if the rate rise by another 50bp in a couple of months perhaps.

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