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What’s Your Expected Salary Increment for Year 2012? [ January 25th, 2012 ] | 303 views | 2 Comments

Just wondering, what’s your annual increment like? Normally, the increment can range between 5-20% which depends very much on individual performance, size, nature, and culture of the company.

salary increment

However, for those skilled employees, the wages are still linked to experience, productivity and demand. Most of the organisations are still willing to offer attractive remuneration packages for candidates equipped with the desired skills. Thus, highly skilled and productive employees are more likely to earn more.

2 Comments | Posted in » Achievement 2012, Finance Tips

Public Bank Visa Electron Debit Card Annual Fees

I still remember i applied Public Bank Visa Electron debit card since the beginning of year 2007, at that time i used it to verify my personal paypal account. And, i found that it bring convenient for me to withdraw money from paypal to my Public Bank debit card account.

PB debit card

The way of using debit card is totally different from credit card, you will have more better financial management because you need to have enough money in the debit card before you can make any purchase.

My Advise For All Malaysian

Since our government implement the latest credit card scheme, which every principal credit card will be charged RM50 and supplementary card holder charged RM25, then now it’s great chance for you to own debit card. Besides that, the process of applying debit card is very easy and you no need to have income requirement.

Annual Fees of Public Bank Debit Card

January 17th, 2010 | Posted in » Debit & Credit Card | 5 Comments | 9,883 views

How Paypal Calculate Exchange Rate?

As you known, Paypal is worldwide acceptable Internet Payment Gateway. And it provides us more comfortable and trustable way to do online transaction.

Paypal

Back to 3 months ago, I made a $500 withdrawals direct to my Public Bank debit card. And I checked the bank exchange rates (USD->MYR) for that day was 3.18. The exchange rate that appeared on my credit card bill was 3.15 only. That’s an average of 0.03 differences for that transaction. This means that PayPal will straight away convert our withdrawal amount (maximum withdrawal of US$500 per day) to Ringgit at their own lower USD/MYR currency exchange rate. Besides, Paypal also charges $5 withdrawal fee.

October 19th, 2008 | Posted in » Paypal | 7 Comments | 10,092 views

Important To Choose Investment Style

Knowing what is your investment style are will help you to choose investment type more accurately. There are really only 3 specific investment styles, which can be conservative, moderate, and aggressive.

Naturally, if you found yourself have a low risk tolerance, then your investment style will most likely to be conservative or moderate. In contrary, if you have a high risk tolerance, you will most likely to be an aggressive investor. Meanwhile, your financial goals will also determine your investment style.

Public bank FD

Conservative investor want to maintain their capital in their investment. This type of investor usually invests in common stocks, bonds, unit trust and interest earning savings account. Thus, they are more likely on early retirement. I am one of the conservative investor and have an unexpected huge amount of money put into Bank Fixed Deposit. This is just for preparation or cash flow at best.

September 16th, 2008 | Posted in » Bank & Investment, Finance Tips | Leave a Comment | 1,656 views