5 Money-Wasting Things You Are Probably Guilty Of

Wondering why your monthly income never seem to be enough? Looking for ways on how to save money? If you are reading this, good for you – because it means that you want to do something to manage your finances better. And believe it or not, there are a lot of things you can do, or much rather, change, to be able to save more and find greater rewards in the long run. Here are some spending habits you could begin working on:

Shop smart might save you money in a long run

Are You Guilty Of Using Any Of These Passwords?

With all that Heartbleed Bug news, suddenly we’ve got thinking about the passwords we use. We’ve even had to go through the headache of thinking up new ones all over again (and if you haven’t, you definitely should – check here for which sites you should change now!).

It’s definitely interesting to see some of the ‘creative’ passwords users think of. Some are extraordinarily funny; some are just alright, while some are straight up common and could be guessed within a few seconds.

Some people use the events of their lives as their passwords (we’re serious!). For instance, we have a friend that uses the name of their ex followed by a horrid word to describe their nasty breakup. Perhaps it’s a way for these poor souls to vent their anger… somehow? We think it would only make us more frustrated, tapping out their name every day.

Then there’s always that fail safe… using the word “password” as their password. Believe it or not, this is actually one of the most common passwords used around the world. They actually believe that no would ever guess it, as it’s too obvious. It’s simply amazing how these people’s minds work, isn’t it?

21 Quotes That Perfectly Capture The Thrill Of Traveling

"You have brains in your head and feet in your shoes. You can steer yourself in any direction you choose! You're on your own and you know what you know. Only YOU can decide where to go!"

lofilolo / ThinkStock

Flickr: kokorowa / Creative Commons

Is Your Financial Portfolio Missing One Key Ingredient?

Majority of Malaysians do not have adequate insurance coverage. This situation exists because not many of us are aware of the importance of financial protection, as we’ve been focusing solely on wealth accumulation through savings or investment gains.

What if we told you that not having adequate insurance coverage actually means you will risk missing out on your investment?

According to the “Protection gap or under-insurance gap in Malaysia” study, commissioned by Life Insurance Association of Malaysia (LIAM), both insurance and takaful cover only 56% of the Malaysian population – which is pretty low compared to other developed countries.

Malaysians generally do not take up adequate insurance protection simply because they lack the understanding of its advantages. Some are also under the misconception that insurance is something you get when you can afford it.

However, the reality is, the earlier you get your insurance, the higher the probability of being covered while you are still healthy.

Things Kids Of Today Won’t Understand

Today’s Kid Won’t Understand

Being a kid born prior to the millennium, I’ve had my fair share of VCR tapes, floppy disks and Beverly Hills 90210. Kids today are connected on their smartphones and tablets that they simply don’t understand the struggles of having to call on someone and see if they could come out and play after dinner.

While we were watching Saturday morning cartoons and gobbling down fruit loops, kids are now watching Keeping Up With The Kardasians while shopping online. While every generation has their perks, here are some things that children of today will never understand.

Dial-Up Internet

Waiting for someone to put down the phone so that you could finally dial-up to the Internet was such a home drama. Yelling and arguments broke out so often that mum and dad had to step in. The result: nobody could use the phone at all. The nerve…

5 Most Expensive International Schools In The Klang Valley

To ensure their children remain competitive in the increasingly borderless world, more and more Malaysian parents are opting for international and private education for their children. However, these schools do not come for cheap.

In 2012, the Malaysian government has eliminated the quota for Malaysian enrolment at international schools. Due to the quota and the lack of affordable options, only selected affluent Malaysians could afford to send their children to these schools previously.

The 2012 decision to remove the quota has opened the floodgates and more international schools are mushrooming all over the country. According to the latest data by the International School Consultancy Group (ISC), a UK-based organisation, there are currently 99 English-medium international schools in the country, with a total of 39,460 students.

The market has been growing at a rate of 19% per annum for the past five years, and it is showing no signs of stagnation.

Based on latest findings, 40% of the students in these premium schools are local Malaysians, 9% British, 6% South Korean and 4% American.

How expensive are these premium schools really? We have collated the top 5 most expensive international schools in the country and this is how much you will have to fork out to send your child to these schools from nursery all the way till graduation:

Tumis Air Bayam Merah

Kita hari-hari memang kena masak dan makan sayur. Tak kiralah apa-apa sayur pun kerana ia sebenarnya baik untuk kesihatan. 

Dulu kami tak berapa suka makan sayur..

Kalau mak masak sayur , kami kerap juga merungut.. terutamanya bila mak masak bening.. atau tumis air. Pasti bosan rasanya.. "macam lauk orang sakit aje.. " rungut kami setiap kali pulang sekolah di sajikan dengan sayur air...

Air Asam dan Ikan Caru Bakar

Kita mulakan menu hari ini dengan ikan caru bakar yang di cicah bersama air asam yang power...

Ikan bakar ni sesekali makan dengan kuah lemak pekena pula dengan nasi hangat memang terangkat habis...

Kami sukakan kuah asam yang pedas gilerrr... barulah berpeluh-peluh makan.. tu yang syok sangat tu..

7 Signs You Are Heading For Bankruptcy

Identifying the warning signs of an impending personal financial crisis is extremely important. Sometimes these signs may be the only thing keeping you from bankruptcy.

You may be headed into a serious debt problem if you’re seeing one or more of these signs:

1. Maxing out on your credit cards or charging more than you can pay off each month

The Malaysian Department of Insolvency stated that credit card debt made up 5% of all bankruptcy cases in Malaysia between 2005 and 2012. You can see other causes here.

It is important to ensure that you use credit cards prudently. The general rule of thumb is to use no more than 30% to 40% of your credit limit at any one time. This gives you flexibility in case of job loss, illness, divorce, or other threats to your income.

'Saving Tips' Ikut Cara Orang Kaya Ini Akan Membantu Kamu Menyimpan Duit

Tak ada siapa di antara kita yang tidak mahukan 'saving' duit. Ada ketikanya pasti kita terfikir bagaimana golongan kaya dan berjaya mengumpul kekayaan mereka.

Memetik laman web lifehack.org, terdapat beberapa tips yang boleh dipraktikkan dalam kehidupan harian kita untuk menyimpan wang sama seperti apa yang dilakukan golongan berada.

Jadi, kepada kamu yang susah nak saving tu, cuba amalkan tips tersebut, walaupun ringkas pasti ia akan merubah hidup korang.

Netflix Launched in Malaysia but with Limited Library

Netflix has been officially launched in Malaysia after the announcement made by Reed Hastings at CES 2016. Netflix expanded its service to 130 new countries around the world including Malaysia being one of the locations. However, there is a catch!

The content available in Netflix Malaysia won’t be as expensive as content available in Netflix USA. This is where using a VPN comes into play. With a VPN by your side, you can access Netflix library of any region and watch your favorite shows or movies online.

Netflix is one of the world’s largest online streaming services that offer thousand of movies, TV shows, and other media for your online entertainment. Now if you are located in Malaysia and are looking to access Netflix, then I am afraid you will run into the problem of geo-restriction.

Netflix is a US based video on–demand streaming service. Although Netflix is available in various other countries around the world, it is yet to officially launch in Malaysia. So when you try to access movies or TV series on Netflix while being in Malaysia, you will see the following message.

Disappointing isn’t it! So how do you access Netflix Malaysia?

Rock Ooo - Rimba Bara Kembali

Rock Ooo ialah sebuah filem komedi muzikal yang diarahkan oleh Mamat Khalid dan dibintangi oleh Que Haidar, Khir Rahman, Soffi Jikan dan Pekin Ibrahim. Filem ini ditayangkan pada 28 Februari 2013.... Filem ini merupakan sekuel kepada filem Rock [ 2005 ].

Plot cerita ini berdasarkan kehidupan kugiran Rimba Bara setelah pemergian Zack dari kugiran tersebut. Cerita bermula dengan kisah bagaimana Amy Mat Piah melalui hari-harinya selepas dibuang dari kumpulan Rimba Bara. Hari-hari beliau sering dihantui dengan kisah Rimba Bara, walaupun beliau telah meneruskan pekerjaan beliau sebagai pembuat air batu campur.

Perlu Atau Ingin?

Keperluan atau keinginan? Ungkapan ini yang sering terlintas di fikiran apabila melihat barang yang disukai di pusat membeli-belah. Perasaan tertarik dan keinginan untuk memiliki mendorong diri untuk membeli. Ia perkara biasa yang dilalui oleh semua orang. Ramai orang mempunyai wang, tetapi yang membezakan anda dengan orang lain adalah jumlah wang yang dimiliki dan cara wang itu disalurkan.

Perkara asas yang diajar ketika kita masih kecil jika mempunyai wang adalah untuk menabung. Sesungguhnya ia amalan yang amat berguna untuk masa hadapan. Ramai golongan muda masa kini gemar menghabiskan wang mengikut nafsu seperti membeli barang-barang yang bukan keperluan sehingga tiada duit simpanan. Ini menjadi masalah besar kelak ketika duit yang benar-benar diperlukan untuk tujuan yang lebih penting seperti berkahwin dan membeli rumah tidak mencukupi. Sebagai contoh, seorang lelaki yang baru mendapat kerja dengan gaji RM2,700 ingin membeli kereta buatan luar negara dengan harga hampir mencecah RM100,000, sedangkan dia dah ada kereta buatan tempatan yang masih berfungsi dengan baik. Jika dilihat secara realiti, memang tiada salahnya membeli kereta baru, tetapi dia tidak PERLU membeli kereta itu sebenarnya.

How To Access Blocked Websites? 6 Easy Ways

Short Bytes: Restrictions and bans over websites are always annoying, and governments are now censoring content more than ever. Check out the 6 easy ways to bypass the censorship to access blocked websites.

Given the current stature of the constitutional “Rights” and “Freedoms” conferred upon the public in most of the democracies, censorship and bans on trivial matters often come as a surprise. And in the era of the Internet, harassing the general public is even easier. Be it the controversial net neutrality, or restriction to access to specific websites.

If you also feel stifled by the blocked websites then here are some ways to access blocked websites:

1. Become Anonymous: Use Proxy Websites

A proxy website becomes a moderator between the user and server site. The proxy website camouflages the blocked site from the ISPs and allows you to access blocked websites. To get a proxy website for any blocked site, just perform the Google search.

Eg: Facebook Proxy Server. In case, Facebook is blocked in your institution, or you can go to

• http://www.spysurfing.com

• http://proxify.us/p/

and more…

 

The New Age Magazine and Occult Explanations of the Great Seal

I‘ve recently acquired sixty issues of The New Age Magazine, spanning the years 1968-73. The New Age Magazine was “the official organ of the Supreme Council 33°, Ancient & Accepted Scottish Rite of Freemasonry Southern Jurisdiction.” The magazine was inaugurated in 1904 and still continues today. In 1990, however, the title of the publication was changed to the Scottish Rite Journal—probably in an effort to distance themselves from being identified with the New Age Movement. In any case, the original name for the magazine alludes to those same esoteric yearnings of the socialist utopians and occult theosophists at the turn of the 20th century. They believed that the world was on the cusp of a New Age of enlightenment. The Age of Aquarius was about to begin; occultists had generally agreed that a shift in consciousness was imminent, and the transformation of society—based upon a masonic ideal—would soon be realized. It is thus appropriate that Grand Commander George Moore, in 1904, named the magazine after the “rite of perfection” conferred on those who partake in the ritual of the 18th degree, the Rose Croix. Candidates who pass through this degree symbolically ascend the mystic ladder from darkness to glory and perfection. The Rose Croix degree, in turn, refers to the 17th Century mystic secret society of adepts, the Rosicrucians, who themselves called for a new age. They practiced the transformation of self through an amalgam of rituals involving hermeticism, gnosticism, alchemy and the kabbalah.

Video | Harris J Feat. Jae Deen - Paradise

Video | Earned It by The Weekend [ Fifty Shades Of Grey OST ]

Earned It | The Weekend

You make it look like it's magic
'cause I see nobody, nobody but you, you, you
I'm never confused
Hey, hey

Gadgets Invented By Malaysians

Malaysia, in some ways, at least, is a land of milk and honey—we have a list of achievements to be proud of, including inventions that caught the attention of consumers—both locally and internationally. Being Anak Malaysia and Buatan Malaysia ourselves, we are thrilled to share some of the brilliant inventions of other Anak Malaysia.

Here is a list of five Malaysian-invented gadgets that have changed the world we live.

Video | Sarimah Ibrahim Feat. Simon Bailey ┇ You On My Mind

Sarimah Ibrahim Feat. Simon Bailey ┇ You On My Mind

Daging Masak Lada Hitam

Menu ringkas dan simple untuk hidangan hari ini.

Menu yang mudah dan ringkas untuk hidangan makan malam.

Bila siangnya AM dah sediakan ikan, untuk makan malam AM sediakan hidangan daging pula. 

Resepi dari Pak Engku dan AM ambil dari koleksi buku resepi beliau yang AM beli iaitu Santapan Lauk Pauk Tradisi. Dalam buku ini banyak himpunan resepi tradisi yang sedap-sedap dan semuanya membuka selera. Kalau tengok buku ni pasti semua nak di cuba dan di rasa.