Sunday, November 28, 2010

List of local bank that offers mortgage loan


ABN AMRO Bank

Affin Bank Bhd

Affin Islamic Bank Berhad

AIA CO LTD

Al Rajhi Bank

Alliance Bank Bhd

AMBank Bhd

AMFinance Bhd

Asian Finance Bank

Bangkok Bank

Bank Islam (M) Bhd

Bank Kerjasama Rakyat

Bank Muamalat

Bank Of China

Bank Of Nova Scotia

Bank Simpanan Nasional

CIMB Bank Bhd

CIMB Islamic Bank Bhd

Citibank (M) Bhd

EON Bank

Hong Leong Bank

HSBC Bank

ING Insurance Bhd

Lloyds TSB Asia

Malaysia Building Society Bhd

Malaysian Assurance Alliance Bhd

Maybank

OCBC Bank

Public Bank Berhad

RHB Bank

RHB Islamic Bank Bhd

Southern Bank

Standard Chartered Bank

United Overseas Bank

Wednesday, November 3, 2010

Malaysia Year End Mega Sale 2010


Malaysia Year End Mega Sale - 20th Nov 2010 till 2 Jan 2011


The long awaited Year End Mega Sale is just around the corner now, as we (especially female) are already eagerly awaiting some unbeliavable discounts, bargains and promotions to be up soon, so lets get ready to shop till you drop....or maybe at least till you burn a hole in your pocket.ahahaaa......


What I know for sure is that all the shopping malls will be nicely decorated with Christmas Decoration as Christmas is just around the corner too, and don't forget all the parents will need to buy new stationaries, clothes and etc for the upcoming school reopen of 2011....


It shall be the most extravagant sale of the year, and for those who are lucky to have bonus this year, well indeed you are lucky as you get to spend it all during the sale...


To be updated to the many upcoming sales and promotions, you may check out the blog/website below as these bloggers are pretty fast in getting the news and putting it up for everyone's benefit.


Happy shopping everyone..... Watch your budget.....but dont forget to buy present for your love ones :)

Tuesday, November 2, 2010

How to overcome fear in Public Speaking


How to overcome fear in Public Speaking:


I know it is very teriffying to speak or present in public no matter how many audience you are facing, or who are your audience, yet there is still fear inside that can cause you to have sleepless night or butterflies in the stomach. Yeah, I have been through that, so I know that feeling. If you have the sympthoms below, dont worry, its pretty normal......


Symptoms of Stage fright


  • Dry mouth.
  • Tight throat.
  • Sweaty hands.
  • Cold hands.
  • Shaky hands.
  • Give me a hand (Oops, I couldn't resist).
  • Nausea.
  • Fast pulse.
  • Shaky knees.
  • Trembling lips.

My heart was racing so fast that I turn pale, and people thought that I am going to faint or something like that. Ahaa...But you know what.....if you prepare well and know what you are going to present, eventually it will turn out well...here are some of the tips that can help you out...

  • Notice and think about things around you.
  • Be in the room at least an hour early if possible to triple check the public address system and everything else on your checklist. You can also schmooze with participants arriving early.

  • Get into conversation with people near you. Be very intent on what they are saying.
  • Yawn to relax your throat.
  • Doodle.
  • Draw sketches of a new car you would like to have.
  • Look at your notes.
  • Put pictures of your kids/grandkids, dog, etc., in your notes.
  • Build a cushion of time in the day so you are not rushed, but not too much time. You don't want to have extra time to worry.
  • If your legs are trembling, lean on a table, sit down, or shift your legs.
  • Take a quick walk.
  • Take quick drinks of tepid water.
  • Double check your A/V equipment including the public address system, projectors, etc..
  • Don't drink alcohol or coffee or tea with caffeine.
  • Concentrate on your speaking ideas.
  • Hide speaking notes around the stage area so you know you have a backup if you happen to draw a blank.
  • Concentrate on your audience.
  • Listen to music.
  • Read a poem.
  • Do isometrics that tighten and release muscles.
  • Shake hands and smile with attendees before the program.
  • Say something to someone to make sure your voice is ready to go.
  • Go somewhere private and warm up your voice, muscles, etc.
  • Use eye contact.
  • Go to a mirror and check out how you look.
  • Breathe deeply, evenly, and slowly for several minutes.

  • Don't eat if you don't want to and never take tranquilizers or other such drugs. You may think you will do better, but you will probably do worse and not know it.
  • Pray, and continue to pray until you feel better...it works....

  • Well, if the above doesn't help,then you might need to think of some other alternatives to cope with your fear cause the sooner you can face it or overcome it, the sooner you can be free from the fear and stress that you are holding now and it will indeed make your life much harder if you dont break free from it.....All the best :)




    Thursday, October 28, 2010

    Broadband Provider in Malaysia


    Although many of the provider listed below are not so well known, but they do exists in Malaysia. When the broadband that you are using doesn't work so well, maybe its time to switch to another provider then, since CUSTOMER IS ALWAYS RIGHT & YES, WE HAVE THE RIGHT !!!! So do feel free to switch provider if you find the one that you are having now sucks....Honestly I am still trying out with the current one and plan to change as the line is not stable.


    Just a reminder when subscribing to a broadband, please be careful with :

    1. some provider who might bound you with contract or upfront downpayment or something like that,making you hard to switch to another provider easily.


    2. also check the speed for upload and download, ask yourself whether you are a heavy user in downloading or not.


    3.whether it is unlimited or there is a quota- 3Gb,16gb, 20gb,30gb- usually unlimited is more worth it,especially for heavy download user like me. If you a light user ( just online to check mails,facebook and stuff) then you may opt for the less quota one as it is cheaper.


    4.Whether the modem given is USB plug (easy to carry to anywhere) or the big standard modem (only suitable for home user).


    5.Whether it is in your budget or not. Its a monthly commitment, you know.



    Ok, that's all for now, here are the various providers that you might want to try out:


    Airzed
    http://www.airzed.com/
    Penthouse 2, Tower D, Plaza Mont Kiara, 2 Jalan Kiara, Mont Kiara, 50480 Kuala Lumpur
    Tel: 03 6203 5181, Fax: 03 6203 5260
    Hotspot Locations:
    http://www.airzed.com.my/locations.asp


    Arcnet
    NTT MSC Sdn Bhd
    http://www.arc.net.my/
    18th Floor, UBN Tower, 10 Jalan P Ramlee, 50250 Kuala Lumpur
    Tel: 03 2032 3208, Fax: 03 2078 4037


    Atlas One - Broadband Internet Provider
    http://www.atlasone.net/
    Lot 47, Subang Hi Tech Industrial Park, Batu 3, 40150 Shah Alam
    Tel: 03 3711 8888 (Careline) 03 5637 2932, Fax: 03 5637 3057

    Biz Surf - Broadband Internet services
    http://www.bizsurf.com/
    74-1 Jalan 27/70A, Desa Sri Hartamas, 50480 Kuala Lumpur
    Tel: 03 2300 1800, Fax: 03 2300 1840

    Celcom.net
    http://www.celcom.net.my/
    15th Floor Menara Celcom, 82 Jalan Raja Muda Abdul Aziz, 50300 Kuala Lumpur
    Tel: 03 2688 3939


    Digi's Mobile Internet with GPRS & EDGE (Enhanced Data Rates for Global Evolution)
    http://www.digi.com.my/mobile/edge/
    Tel: 016 221 1800 (Customer Service)
    EDGE Coverage Areas
    http://www.digi.com.my/mobile/edge/coverage.jsp

    Giga Broadband - VDSL
    http://www.vdslnetwork.com/
    29th Floor, Wisma Denmark, 86 Jalan Ampang, 50450 Kuala Lumpur
    Tel: 03 2078 6102, Fax: 03 2078 6101

    Gold Information Systems - Wireless broadband provider
    http://www.gissb.com/

    iDiGi Internet Services
    http://www.idigi.com.my/
    Tel: 1 800 68 8000 (Customer Care)
    Dial-up: 1516


    iZZi - Mobile wireless broadband, iBurst
    http://www.izzi.com.my/
    Tel: 03 9289 6000 (Customer Care)

    Jaring
    http://www.jaring.my/
    Mimos Berhad, Taman Teknologi Malaysia TPM, 57000 Kuala Lumpur
    Tel: 03 8996 1900, Fax: 03 8996 1898
    Dial-up: 1511

    Jaring Online System (Top-Up Account, Manage Password, Support & FAQ)
    http://https//www.online.jaring.my/

    Jaring Webmail - Check your Jaring mail from anywhere
    http://webmail.jaring.my/

    Jaring Wireless Broadband & my015 telephony (with SOMA Networks)
    http://www.jaring.my/wireless/home_user.html
    Tel: 03 8991 7080 Customer (Service)

    Jaring Wireless Broadband Speed Test
    http://bandtest.jaring.my/

    Maxis Net
    http://www.maxis.net.my/
    Tel: 1 300 82 1512 (Customer Care)

    Maxis Wireless LAN (W-LAN) Service
    http://www.maxis.com.my/corporate/data/wlan/wlan_main.asp
    Utopia Locations/Hotspots
    http://www.maxis.com.my/corporate/data/wlan/wlan_utopia.asp

    Metro FON - Fiber optic networks. Residential, office broadband provider, ETTH, ETTO
    http://www.metrofon.com.my/
    Optical Communication Engineering OCE
    19 Jalan Semangat, 46200 Petaling Jaya
    Tel: 03 7680 8008, Fax: 03 7957 0669
    XPeedoMeter Internet Speed Test, speedometer, meter
    http://www.ocesb.com.my/xpeedometer/

    NasionCom
    http://www.nasioncom.com.my/
    5-5 The Boulevard, Mid Valley City, Lingkaran Syed Putra, 59200 Kuala Lumpur
    Tel: 03 2938 3888, Fax: 03 2938 9888
    Customer Service Centre Tel: 03 2938 6688

    P1 - WiMAX, wireless broadband provider, w1max, Green Packet, Packet One
    http://www.p1.com.my/ or http://www.p1w1max.com/
    Tel: 1 300 800 888

    Penang FON - Fiber broadband
    http://www.penangfon.com/
    Optical Communication Engineering Sdn Bhd
    Wisma Cintra, 68 Lebuh Cintra, 10100 Penang
    Tel: 04 262 9007, Fax: 04 262 9008

    PutraNet
    http://www.putra.net.my/
    Smart Global Network (M) Sdn Bhd.
    Level 16, Menara Genesis, 33 Jalan Sultan Ismail, 50250 Kuala Lumpur
    Tel: 03 2142 5266, Fax: 03 2142 1233
    Where & how? Getting there: MyCen Map Directions MyCen Location (what's this?)

    Time Net
    http://www.time.com.my/
    TIME dotCom Berhad.
    Level 1, Wisma TIME, 249, Jalan Tun Razak, 50400 Kuala Lumpur
    Tel: 03 2720 8000, Fax: 03 2720 0199
    Where & how? Getting there: MyCen Map Directions MyCen Location (what's this?)

    Time Broadband
    http://timebroadband.time.net.my/
    Tel: 1 800 381 322 (Customer Service and Support Centre)
    Available Areas:
    http://timebroadband.time.net.my/zone/availability.cfm

    Time Zone
    IEEE 802.11b Free Hotspots at Starbucks Coffee & more
    http://timebroadband.time.net.my/zone/index.cfm
    Available Places:
    http://timebroadband.time.net.my/zone/availability.cfm

    TMnet
    http://isp.tm.net.my/
    3300 Lingkaran Usahawan 1 Timur, 63300 Cyberjaya
    Tel: 1-300-88-1515 (Support), 03 8318 8027, Fax: 03 8318 8077
    Dial-up: 1515, 03 2270 5858 (normal phone charges apply)

    TMnet Hotspots - Wireless Broadband Internet Access
    http://isp.tm.net.my/hotspot/
    Service/Coverage Areas:
    http://www.tm.net.my/html/htm/product_hotspot/hotspot_service_area.htm

    TMnet Technical Support
    http://www.tmmsupport.net.my/

    TMnet Streamyx
    http://isp.tm.net.my/streamyx/
    House of Internet, Kelana Park View Tower, 1 Jalan SS6/2, 47301 Petaling Jaya
    Tel: 1 300 88 9515 (Support), 03 7804 7086, 03-7804 2000, Fax: 03 7804 5910


    TMnet Webmail - Check your TMnet mail from anywhere
    http://webmail.tm.net.my/

    U-Mobile - Surf With U - 3G wireless broadband provider
    http://surf.u.com.my/ or http://www.u.com.my/
    U Mobile Customer Service Center
    Lot G04, Berjaya Times Square, 1 Jalan Imbi, 55100 Kuala Lumpur
    Tel: 018 388 1318

    Webbit - Time Wireless Broadband
    http://timebroadband.time.net.my/webbit/
    Level 1, Wisma TIME, 249 Jalan Tun Razak, 50400 Kuala Lumpur
    Tel: 1 800 381 322, 03-2711 1422

    ZapZone Wireless Hotspot
    http://www.zapzone.com.my/
    Suite 8.01, Level 8, Menara Tan & Tan, 207, Jalan Tun Razak, 50400 Kuala Lumpur
    Tel: 03 2163 1111, Fax: 03 2166 6533

    Tuesday, October 26, 2010

    Be careful in changing room


    A Mirror or a 2-Way Glass?

    How can you tell when you are in a room, restroom,
    motel etc. with a mirror or a 2-way glass?

    Here's how: I thought it was quite interesting! And I
    know in about 30 seconds you're going to do what I did
    and find the nearest mirror.

    Do you know how to determine if a mirror is 2-way or
    not? A policewoman who travels all over the US and
    gives seminars and techniques for businesswomen passed
    this on.

    When we visit toilets, bathrooms, hotel rooms,
    changing rooms, etc., how many of you know for sure
    that the seemingly ordinary mirror hanging on the wall
    is a real mirror, or actually a 2-way mirror (i.e.,
    they can see you, but you can't see them)? There have
    been many cases of people installing 2-way mirrors in
    female changing rooms . It is very difficult to
    positively identify the surface by looking at it.

    So, how do we determine with any amount of certainty
    what type of mirror we are looking at?

    Just conduct this simple test: Place the tip of your
    fingernail against the reflective surface and if there
    is a GAP between your fingernail and the image of the
    nail, then it is GENUINE mirror. However, if your
    fingernail DIRECTLY TOUCHES the image of your nail,
    then BEWARE! IT IS A 2-WAY MIRROR!

    "No Space, Leave the Place" So remember, every time
    you see a mirror, do the "fingernail test." It doesn't
    cost you anything.

    REMEMBER. No Space, Leave the Place:

    Ladies: Share this with your girlfriends, sisters,
    daughters, etc.

    Men: Share this with your wives, daughters,
    daughters-in-law, mothers, girlfriends and/or friends.

    Monday, October 25, 2010

    What is CCP specialist certification?


    What does CCP stands for?

    Certified Credit Professional (CCP)

    The CCP qualification is a minimum professional standard of core competency for credit personnel in the banking and finance industry.

    What is CCP?

    Developed by IBBM in consultation with senior credit practitioners, the Certified Credit Professional (CCP) is a specialist professional certification that demonstrates achievement of the minimum professional standard of core competency for credit personnel in the banking and finance industry.

    Specialisation in Consumer Credit and Business Credit are offered in the CCP award.

    What is the coverage?
    The syllabus structure comprises of:

    Common:
    Financial System and Principle of Credit

    Specialisation (your choice for either one):
    Consumer Credit; or
    Business Credit.

    How is it assessed?
    Multiple-choice questions (MCQs) for the common and respective specialist syllabus;
    Case study(ies) that encompass the complete content areas from the common and respective specialist syllabus.

    Examination for all five papers will be held twice a year.

    What are the entry requirements?
    There is no academic requirement but you must be a current individual member of IBBM.

    What is the enrolment fee?
    For New Candidates: RM250 per examination paper.
    Referral Candidates: RM200 per examination paper.

    How do I study for it?
    Candidates prepare for the examination through self-study using the study materials provided by IBBM upon registration for the examination. Where appropriate, additional reading of other references are recommended and candidates are expected to read as widely as possible. Candidates have the option to purchase the CCP study materials on CD-ROMs: read-only version (Acrobat PDF files) for their exam preparation.

    For further enquiries on the training programmes, e-mail IBBM at lead@ibbm.org.my or telephone 03-2095 8922.