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Be a Wise Credit Card Users in Malaysia

Credit cards are easy, right? You have a credit limit. As long as your balance isn’t as high as your credit limit, you can pay for things with your credit card. When you pay for something with your credit card, you don’t have to pay for it until later. You pay interest on your credit card balance and as long as you don’t go over your credit limit, everything’s fine.

Aku tau ramai diantara kita ada yang mempunyai kad kredit..ada plak yang tiada dan takut jadi boros plak bila berbelanja nanti.. so, nie antara petua-petua pengunaan kredit kard (credit card) yang berguna untuk warga Malaysia.

1. Ketahui syarat syarat kredit pinjaman dan perjanjian kad kredit anda
2. Fahamkan syarat syarat sebelum anda menerima pinjaman dan kad kredit
3. Asingkan setiap bulan pendapatan anda untuk kegunaan kecemasan
4. Tentukan had bulanan, dan amalkannya
5. Gunakan kredit sepertimana anda menggunakan tunai

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Google is an advertising cheapskate!

What is the most valuable brand in the world? Google is the number one brand in the world with an estimated value of $66 billion according consulting firm Millward Brown Optimor. This got me thinking… How did Google become the most valuable brand in the world in just a short nine years? I find this question very interesting. Conventional wisdom would suggest that Google must spend billions of dollars in advertising every year to accomplish such an impressive feat.

Well after a bit of research, one thing becomes clear… Google is an advertising cheapskate!

There are a whole bunch of factors that have combined to drive Google’s amazing success, but an aggressive advertising spend is not one of them. To put it into perspective for you, let me first share with you how much Google’s big competitors spent on marketing and sales last year.

In the last fiscal year,
Microsoft spent $11.5 billion on marketing and sales.
Yahoo! spent $1.3 billion.
eBay spent $871 million.

Google? Well Google spent a paltry $188 million on marketing and sales in 2006. To me, this is an absolutely amazing stat. A $66 billion brand on the back of less than $200 million in annual marketing expenses in less than one decade! In addition, what Google does spend on advertising is largely focused on finding great people to come work at Google. That is also pretty interesting.

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Malaysia Bumiputra Billionaire

Tan Sri Syed Mokhtar Al-Bukhary has become the latest Malaysian to join the ranks of world’s richest, according to the Forbes 2007 list of US dollar billionaires. The inclusion of the 55-year-old, who made his fortune in the rice and sugar trade, increased the number of Malaysians in the list to nine from eight last year. He was ranked as the seventh richest Malaysian, the only Bumiputra Billionaire and 754th in the world.

Tan Sri Syed Mokhtar Shah bin Syed Nor Al-Bukhary is the richest Malaysia Bumiputra Billionaire corporate figure in Malaysia. With involvement in diversified business areas which include transportation and logistics, plantations, property development, defense and armory as well as engineering and power generation. He has a net worth estimated to be US$2.00 billion according to Forbes, making him the 7th richest Malaysian.

Former rice trader now controls Malaysia Mining Corporation (MMC); has stakes in Malaysia’s Johor Port; country’s largest independent power producer Malakoff; natural gas distributor Gas Malaysia. Donates to Islamic schools, mosques, arts.

EARLY LIFE
Syed Mokhtar al-Bukhary was born into a mid-low class family of Hadhrami Arab descent in north of Peninsular Malaysia; whose house was without necessities and luxuries. His highest education was only until form five, and he never went to university. A whole lot of his knowledge and experience was gained through his own entrepreneurship experience during his youth time.

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How to Set the Right Product Price

There are many outside influences that affect profitability and a manufacturer bottom line. Setting the right price is a crucial step toward achieving that profit. Manufacturer is in business to make a profit, but figuring out what and how to price products may not come easily.

Before we can determine which retail pricing strategy to use in setting the right price, we must know the costs associated with the products. Two key elements in factoring product cost is the cost of goods and the amount of operating expense.

The cost of goods includes the amount paid for the product, plus any handling expenses. The cost of operating the business, or operating expense, includes overhead, payroll, marketing and office supplies.

Regardless of the pricing strategy used, the retail price of the products should more than cover the cost of obtaining the goods plus the expenses related to operating the business.

A retailer or manufacturer simply cannot succeed in business if they continue to sell their products below cost.

Orangmelayu.Com memberikan satu contoh senario panduan meletak harga jualan pada produk berasas makanan seperti kek dan biskut.

PANDUAN MELETAK HARGA JUALAN PADA KEK dan PRODUK MAKANAN.

E-book percuma ini telah di sediakan dahulu dan telah berkongsi panduan ini diberapa grup masakan. Di harap “Panduan Meletak Harga” ini dapat digunakan bagi anda yang baru bermula berjinak-jinak menjual hasil kek/ kuih/ biskut. Sekadar ingin berkongsi informasi yang tidak seberapa ini. Panduan ini di gunakan untuk menetapkan harga ataupun bila membuat survey harga pasaran bagi kek/kuih/biskut.

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How to Recover Stolen Domain Name

It is scary to think that someone can take control of a domain so easily. As David Airey shows, it may take a few days, but it is quite possible to recover control on a domain which is hijacked while you remain the owner

1. Sign up on the registrar which now holds the domain, Godaddy in our example (you could be liable for the account).
2. Download and fill out a paper form Undo of Change. Sign the form.
3. Make a copy of your identity card or driving licence.
4. Scan and send them as attachments via e-mail.

This document allows to cancel the transfer of registrar if it is under way, or to give control on the domain otherwise. Note that it will take longer if the transfer is complete rather than under way.

If the cracker has managed to become owner of the domain, a procedure with ICANN will be necessary, it is longer.

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