Showing posts with label Saving. Show all posts
Showing posts with label Saving. Show all posts
Monday, 8 August 2011
waterfall
Antara air terjun yang termasyhur di Malaysia terletak di Negeri Pahang, iaitu:
Air Terjun Sg. Pandan, Kuantan
Air Terjun Teladas, Maran.
Air Terjun Pelangi, Sg. Lembing
Air Terjun Chamang, Bentong
Air Terjun Berkelah, Maran
Air Terjun Lata Jarum, Raub
Air Terjun Pulau Chekas, Raub
Air terjun Lata Meraung Jerantut
Sunday, 7 August 2011
Ten ways to save money when travelling
Tue, Aug 2 11:53 AM
So you've done the math twenty times but you're still a few hundred dollars short in the budget department. Here's ten ways to save money -- US$1,400 to be exact -- while travelling. Just think how much more you could do, see and experience with that extra $1,400!
1) Don't spend hundreds of dollars on a pair of hiking boots.
You won't need them. Trekking in Cambodia, Laos, Thailand and Vietnam isn't like trekking in Nepal or Peru. Most get by just fine with a good pair of sturdy sandals. Hiking boots are hot, they'll start to smell really bad, you'll be needing to take them off over and over again to visit temples and enter guesthouses, and they're heavy.
Estimated saving over a month: US$285 (based on an average pair of quality boots going for US$300, with a sturdy set of leather sandles for around $15)
2) Don't spend hundreds of dollars on malarials.
Unless you're planning on sleeping naked in a swamp in remote areas along the Thai/Burma border, chances are you'll not need to take malarials during your trip. If your family doctor starts writing out a script for months of malarials as soon as you say "Asia", go and see a travel doctor for a second opinion. If the travel doctor says you still need them, then buy generic equivalents upon arrival in Asia -- at a fraction of the cost of what you'll pay at home. But remember, if you are visiting destinations on the main tourist trail in Cambodia, Laos, Thailand and Vietnam, and are not planning on spending time in remote rural areas, you do not need to take malarials. Instead use repellent, dress sensibly at mosquito feasting times (light coloured clothing, with long sleeves and pants), and use a mosquito net.
Estimated saving over a month: US$135 (Based of $3 a Doxyxyline pill for fourty five days -- a month and a week before and after. )
3) Don't spend hundreds of dollars on brand new guidebooks.
As you're reading this on Travelfish, you've already got the right idea. Regarding guidebooks, buy the book for the first country you're heading to and buy/swap as you travel for the others. Not that we support piracy, but ... pirated (photocopied or bound) versions of Lonely Planet guides are available throughout Vietnam and Cambodia -- Yup that's right, that US$20 guidebook to Laos you bought at Borders yesterday can be purchased on the street in Phnom Penh for $2. The regional guides (Southeast Asia on a Shoestring etc) are hardly worth using in our opinion and you'll be FAR better served by the country-specific guidebook for each destination. Buy/Swap/Sell.
Estimated saving over a month: US$80 (based on purchase cost of four guidebooks at a cost of $100 Vs one real guidebook for $20, then swap or buy a fake one)
4) Invest in a digital camera.
Asia is a beautiful region and you'll take photos -- lots of them. If you're shooting film or slide you'll be looking at hundreds of dollars to process all your happy shots. A mid-range digital camera (say around US$300) will pay for itself in no time at all and if you buy the right one, you'll get a video camera as a part of the package.
Estimated saving over a month: break even, but you've save money on your next trip.
5) Don't buy a sleeping bag.
You won't need it. If anything, get a sleep sheet or a couple of sarongs, but nearly all lodgings will have sheets and treks will have bedding organised. Plus sleeping bags are hot (you're in the tropics remember) and they take up space that could be filled with trinkets.
Estimated saving over a month: $190 (based on a $200 sleeping bag Vs a $10 sleep sheet)
6) Travel second class
The train system in Morocco has "C class" -- locals joke the C stands for Corpses, Crates and Cattle. Thankfully 2nd and 3rd class in Asia is nowhere near as bad. In virtually all cases, 2nd class is more than enough -- and it's generally about half the price.
Estimated saving over a month: US$50-100
7) Drink water not beer
Both beer and water are cheap in Cambodia, Laos, Thailand and Vietnam. The former makes you fat and drunk, the latter slim and hydrated. While beer is often super cheap -- say US$1 for a big bottle, water is often cheaper. Drink alcohol in moderation and you'll be surprised just how quickly the savings pile up -- and that's without even counting the greasy $5 American Breakfast you'll find yourself craving the morning after the night before. If you don't want to listen to us, listen to your Mum. Drink less booze and you'll save more baht.
Estimated saving over a month: US$90 (Based on four beers a night vs one, at $1 a beer -- doesn't include the greasy breakfast.)
8) Fan good air-con bad
You're in the tropics so you know it is going to be hot, but the evenings are often surprisingly cool. If you're on the beach, look for rooms with good window space to let in that fine sea breeze. In cities you want a room on a higher floor and preferably with a window. Oddly, often rooms on the upper floors are cheaper.
Estimated saving over a month: US$300 (based on an average for of $10 for a fan room Vs $20 for an air-con one)
9) Money management
Check with your bank before leaving to find out just what charges they have for overseas withdraws from ATMs and for cash advances. The fees may curl your hair and make travellers cheques look a lot more sensible as bank fees on a month-long trip in Asia can easily mount into the hundreds of dollars. When your bank tells you they have a US$5 charge per foreign bank withdrawal, plus an extra 5% spread on the exchange rate, you know which way to run -- either straight to a bank that doesn't, or to the closest American Express office for some travellers cheques.
Estimated saving over a month: US$100 (based on personal experience of one month in Vietnam foolishly using a Commonwealth Bank of Australia credit card)
10) Food, food, food!
Most guesthouses will offer what they call an "American Breakfast". This is normally two greasy eggs, a couple of plastic sausages, manufactured ham and a decorative tomato or cucumber. Don't be surprised when it costs US$5. Skip the overpriced fatfest, walk out the door and plonk yourself down for some fried rice or noodle soup for a dollar.
Estimated saving over a month: US$120 (Based on $5 fatfest Vs $1 noodle soup)
FIVE MORE LITTLE TIPS
1) Buy your Travel Insurance through Travelfish.
Buy your travel insurance with World Nomads through Travelfish and you'll save 5% on the policy cost. (See the Member Centre for more information -- Americans and Canadians not eligible sorry!)
2) Get your visas in Asia, not at home.
Visas for other Asian countries are almost always cheaper in other Asian countries than in the west. For example a visa for Vietnam costs A$70 in Sydney, Australia or US$30 in Cambodia.
3) Catch the bus, not a cab.
Where possible use public transport rather than taxis. Taxis remain very cheap, but the bus system, particularly in the larger cities in Thailand and Vietnam, is even cheaper. Bangkok, Saigon and Hanoi all have comprehensive and very affordable bus systems.
4) Get your travellers cheques in large denominations.
Exchange kiosks will often charge a flat fee per travellers cheque. So to change five US$20 travellers cheques may cost you $5 ($1 per cheque) while a single US$100 cheque will cost you just $1 to change. Don't get travellers cheques in anything smaller than US$100.
5) Look into the Bangkok Airways Discovery Airpass
If you're planning on a few flights between Thailand, Laos and Cambodia, then the Discovery Airpass can be a steal. Note the Airpass CANNOT be purchased in Cambodia, Laos, Thailand or Vietnam -- you must buy it in your home country.
So you've done the math twenty times but you're still a few hundred dollars short in the budget department. Here's ten ways to save money -- US$1,400 to be exact -- while travelling. Just think how much more you could do, see and experience with that extra $1,400!
1) Don't spend hundreds of dollars on a pair of hiking boots.
You won't need them. Trekking in Cambodia, Laos, Thailand and Vietnam isn't like trekking in Nepal or Peru. Most get by just fine with a good pair of sturdy sandals. Hiking boots are hot, they'll start to smell really bad, you'll be needing to take them off over and over again to visit temples and enter guesthouses, and they're heavy.
Estimated saving over a month: US$285 (based on an average pair of quality boots going for US$300, with a sturdy set of leather sandles for around $15)
2) Don't spend hundreds of dollars on malarials.
Unless you're planning on sleeping naked in a swamp in remote areas along the Thai/Burma border, chances are you'll not need to take malarials during your trip. If your family doctor starts writing out a script for months of malarials as soon as you say "Asia", go and see a travel doctor for a second opinion. If the travel doctor says you still need them, then buy generic equivalents upon arrival in Asia -- at a fraction of the cost of what you'll pay at home. But remember, if you are visiting destinations on the main tourist trail in Cambodia, Laos, Thailand and Vietnam, and are not planning on spending time in remote rural areas, you do not need to take malarials. Instead use repellent, dress sensibly at mosquito feasting times (light coloured clothing, with long sleeves and pants), and use a mosquito net.
Estimated saving over a month: US$135 (Based of $3 a Doxyxyline pill for fourty five days -- a month and a week before and after. )
3) Don't spend hundreds of dollars on brand new guidebooks.
As you're reading this on Travelfish, you've already got the right idea. Regarding guidebooks, buy the book for the first country you're heading to and buy/swap as you travel for the others. Not that we support piracy, but ... pirated (photocopied or bound) versions of Lonely Planet guides are available throughout Vietnam and Cambodia -- Yup that's right, that US$20 guidebook to Laos you bought at Borders yesterday can be purchased on the street in Phnom Penh for $2. The regional guides (Southeast Asia on a Shoestring etc) are hardly worth using in our opinion and you'll be FAR better served by the country-specific guidebook for each destination. Buy/Swap/Sell.
Estimated saving over a month: US$80 (based on purchase cost of four guidebooks at a cost of $100 Vs one real guidebook for $20, then swap or buy a fake one)
4) Invest in a digital camera.
Asia is a beautiful region and you'll take photos -- lots of them. If you're shooting film or slide you'll be looking at hundreds of dollars to process all your happy shots. A mid-range digital camera (say around US$300) will pay for itself in no time at all and if you buy the right one, you'll get a video camera as a part of the package.
Estimated saving over a month: break even, but you've save money on your next trip.
5) Don't buy a sleeping bag.
You won't need it. If anything, get a sleep sheet or a couple of sarongs, but nearly all lodgings will have sheets and treks will have bedding organised. Plus sleeping bags are hot (you're in the tropics remember) and they take up space that could be filled with trinkets.
Estimated saving over a month: $190 (based on a $200 sleeping bag Vs a $10 sleep sheet)
6) Travel second class
The train system in Morocco has "C class" -- locals joke the C stands for Corpses, Crates and Cattle. Thankfully 2nd and 3rd class in Asia is nowhere near as bad. In virtually all cases, 2nd class is more than enough -- and it's generally about half the price.
Estimated saving over a month: US$50-100
7) Drink water not beer
Both beer and water are cheap in Cambodia, Laos, Thailand and Vietnam. The former makes you fat and drunk, the latter slim and hydrated. While beer is often super cheap -- say US$1 for a big bottle, water is often cheaper. Drink alcohol in moderation and you'll be surprised just how quickly the savings pile up -- and that's without even counting the greasy $5 American Breakfast you'll find yourself craving the morning after the night before. If you don't want to listen to us, listen to your Mum. Drink less booze and you'll save more baht.
Estimated saving over a month: US$90 (Based on four beers a night vs one, at $1 a beer -- doesn't include the greasy breakfast.)
8) Fan good air-con bad
You're in the tropics so you know it is going to be hot, but the evenings are often surprisingly cool. If you're on the beach, look for rooms with good window space to let in that fine sea breeze. In cities you want a room on a higher floor and preferably with a window. Oddly, often rooms on the upper floors are cheaper.
Estimated saving over a month: US$300 (based on an average for of $10 for a fan room Vs $20 for an air-con one)
9) Money management
Check with your bank before leaving to find out just what charges they have for overseas withdraws from ATMs and for cash advances. The fees may curl your hair and make travellers cheques look a lot more sensible as bank fees on a month-long trip in Asia can easily mount into the hundreds of dollars. When your bank tells you they have a US$5 charge per foreign bank withdrawal, plus an extra 5% spread on the exchange rate, you know which way to run -- either straight to a bank that doesn't, or to the closest American Express office for some travellers cheques.
Estimated saving over a month: US$100 (based on personal experience of one month in Vietnam foolishly using a Commonwealth Bank of Australia credit card)
10) Food, food, food!
Most guesthouses will offer what they call an "American Breakfast". This is normally two greasy eggs, a couple of plastic sausages, manufactured ham and a decorative tomato or cucumber. Don't be surprised when it costs US$5. Skip the overpriced fatfest, walk out the door and plonk yourself down for some fried rice or noodle soup for a dollar.
Estimated saving over a month: US$120 (Based on $5 fatfest Vs $1 noodle soup)
FIVE MORE LITTLE TIPS
1) Buy your Travel Insurance through Travelfish.
Buy your travel insurance with World Nomads through Travelfish and you'll save 5% on the policy cost. (See the Member Centre for more information -- Americans and Canadians not eligible sorry!)
2) Get your visas in Asia, not at home.
Visas for other Asian countries are almost always cheaper in other Asian countries than in the west. For example a visa for Vietnam costs A$70 in Sydney, Australia or US$30 in Cambodia.
3) Catch the bus, not a cab.
Where possible use public transport rather than taxis. Taxis remain very cheap, but the bus system, particularly in the larger cities in Thailand and Vietnam, is even cheaper. Bangkok, Saigon and Hanoi all have comprehensive and very affordable bus systems.
4) Get your travellers cheques in large denominations.
Exchange kiosks will often charge a flat fee per travellers cheque. So to change five US$20 travellers cheques may cost you $5 ($1 per cheque) while a single US$100 cheque will cost you just $1 to change. Don't get travellers cheques in anything smaller than US$100.
5) Look into the Bangkok Airways Discovery Airpass
If you're planning on a few flights between Thailand, Laos and Cambodia, then the Discovery Airpass can be a steal. Note the Airpass CANNOT be purchased in Cambodia, Laos, Thailand or Vietnam -- you must buy it in your home country.
Tuesday, 2 August 2011
Is it true that investment in Trust Units is secure?
Unit trusts are like other investments, where performance is determined by the movement of the changing market. To offset the effects of power and uncertainty, unit trust managers often adopt rules to minimize investment risks by widening the spread risk component is diversified portfolio of trust funds to cover a broader range of investment assets and investment patterns. Diversity is sometimes include a mixture of asset classes like stocks, bonds and money market instruments. If there is any decline in specific assets, prices and other asset values to cover the losses.
Should I use the borrowed money from financial institutions to increase the power to invest?
Desirable if the cost of borrowing is low. But it can create problems when the cost of borrowing increased from dividend and bonus received. Unit trusts are synonymous as a long-term savings schemes, thus saving a consistent monthly or quarterly basis is appropriate, even in small amounts; "Little by little, a long time so the hill".
Can explain the use of the purchase price / sales and 'NAV' mentioned in the media.
The price displayed is the price to buy / sell for fund managers to unit holders / investors like you. Thus, the stated purchase price (bid) is the price you use to sell the unit, while the selling price (offer) is the price at which you buy units. Net Asset Value (NAV) is the value of all fund assets less total liabilities of the fund at a time of evaluation, while the NAV per unit is the NAV of the fund, divided by the total number of units in circulation at the time of evaluation. This figure is important as it is used as a guide to determine the purchase price and sale calculated daily by the Manager of the Exchange at the close of business today.
When I want to sell investment units, do I have to wait until the existing investors who want to buy?
Not. Fund managers are those who will buy back your units, in accordance with the terms and conditions contained in the prospectus of a fund.
What should I do if the stock market crashed?
The share price will always be up or down as this is the market norm, but in the medium to long term it will rise. You do not need to do anything, overcome the situation, or if able to add investments when the market appeared stable. As often suggested, unit trust investments for the medium term is / long.
Are Islamic bond funds only in name? I think it is still in cahoots with the laptop "as it gets Coupon yield rate is fixed.
Islamic bonds are fixed income securities category of instruments which refer to loans granted by the purchaser of the bonds to publish it. This concept is similar to the operation of conventional bonds in which the borrower will receive periodic payments plus profit. But the principles used are shariah berlunaskan and we have a range of derivative instruments such as Murabahah "," Subordinated "," BBA-Islamic ',' Bai Inah ',' Bai Al-Dayn, 'Sukuk Istisnaa' and 'Sukuk Ijarah' .
• Shariah-compliant funds continue to demand
• How to get a winning trade from share investments
• Grow Your Money With Public Mutual Investment
• Trust: a limited capital, returns
Should I use the borrowed money from financial institutions to increase the power to invest?
Desirable if the cost of borrowing is low. But it can create problems when the cost of borrowing increased from dividend and bonus received. Unit trusts are synonymous as a long-term savings schemes, thus saving a consistent monthly or quarterly basis is appropriate, even in small amounts; "Little by little, a long time so the hill".
Can explain the use of the purchase price / sales and 'NAV' mentioned in the media.
The price displayed is the price to buy / sell for fund managers to unit holders / investors like you. Thus, the stated purchase price (bid) is the price you use to sell the unit, while the selling price (offer) is the price at which you buy units. Net Asset Value (NAV) is the value of all fund assets less total liabilities of the fund at a time of evaluation, while the NAV per unit is the NAV of the fund, divided by the total number of units in circulation at the time of evaluation. This figure is important as it is used as a guide to determine the purchase price and sale calculated daily by the Manager of the Exchange at the close of business today.
When I want to sell investment units, do I have to wait until the existing investors who want to buy?
Not. Fund managers are those who will buy back your units, in accordance with the terms and conditions contained in the prospectus of a fund.
What should I do if the stock market crashed?
The share price will always be up or down as this is the market norm, but in the medium to long term it will rise. You do not need to do anything, overcome the situation, or if able to add investments when the market appeared stable. As often suggested, unit trust investments for the medium term is / long.
Are Islamic bond funds only in name? I think it is still in cahoots with the laptop "as it gets Coupon yield rate is fixed.
Islamic bonds are fixed income securities category of instruments which refer to loans granted by the purchaser of the bonds to publish it. This concept is similar to the operation of conventional bonds in which the borrower will receive periodic payments plus profit. But the principles used are shariah berlunaskan and we have a range of derivative instruments such as Murabahah "," Subordinated "," BBA-Islamic ',' Bai Inah ',' Bai Al-Dayn, 'Sukuk Istisnaa' and 'Sukuk Ijarah' .
• Shariah-compliant funds continue to demand
• How to get a winning trade from share investments
• Grow Your Money With Public Mutual Investment
• Trust: a limited capital, returns
Monday, 1 August 2011
6 Ways To Become Investment Savings Change
1. Savings Account.
Excess
* Easily dismantled and taken care of.
* Minimum requirements and it is quite plausible.
* Access is a flexible cash.
Deficiency;
* Cash withdrawals can easily be detrimental to your savings plan.
* Interest rates are relatively low. That is not more than 1% per annum.
2.Deposit fixed.
Advantage;
* Interest rates higher than savings accounts (3% -4% per annum)
* Money can not be spent indiscriminately.
Deficiency;
* Interest rates may be less than the inflation rate. For example, the current inflation rate is 8% while the interest rate is 3.5%. Meaning, you will still lose money by selecting investments this way.
Production is less flexible.
3. Property.
Advantage;
* A plan "forced savings" as well.
* For a good hedge to avoid inflation.
* Ability to skyrocket during the bubble economy.
Disadvantages:
* To start saving is difficult, for advances to higher and you must qualify for bank loans (net salary per month min RM1500)
* The scheme of repayment of long-term mortgages are not flexible.
* Can not be immediately converted to cash. (Difficult if there were emergency cases)
4. Life Insurance.
advantage;
* A convenient storage and protection benefits.
* Since many policies impose a penalty if withdrawn before maturity of insurance, it acts as makenisme to encourage savings.
* Proven program as being "forced savings" effective.
Deficiency;
* Returns a bit lower than the long-term investment vehicle to another.
* Lack of flexibility.
5. Unit Trusts
Advantage;
* Ideal investment tool for safe storage for frequently.
* Returns a slightly higher than fixed. (Public Mutual between 10% -25% per annum)
* The beginning is not as small as required to a savings account. (Public Mutual min RM 1 thousand)
* Usually a simple investment increased savings on regularly.
* The benefits obtained through dollar cost averaging. (There are times when I describe) a balanced investment portfolio that you do not have to manage.
* You can sell your units when the price is satisfactory at any time.
deficiency;
* Affected by fluctuations in the stock market or other markets that the fund had invested. (Ttp for long-term investments do not have to worry about this situation)
6. Stock Market.
Advantage;
* More robust dariapda current account.
* Can return many as timely.
Deficiency;
* You need a fairly large sum of money to enter the stock market (min RM10 thousand)
* Not for normal storage, which invests only beberaa hundred dollars a month.
* You need a lot of investment information and good luck to manage your own successful palaburan.
In short, you can evaluate the form of investments that are appropriate to the capacity and investment objectives. Refer to your financial consultant.
Thank you.
Excess
* Easily dismantled and taken care of.
* Minimum requirements and it is quite plausible.
* Access is a flexible cash.
Deficiency;
* Cash withdrawals can easily be detrimental to your savings plan.
* Interest rates are relatively low. That is not more than 1% per annum.
2.Deposit fixed.
Advantage;
* Interest rates higher than savings accounts (3% -4% per annum)
* Money can not be spent indiscriminately.
Deficiency;
* Interest rates may be less than the inflation rate. For example, the current inflation rate is 8% while the interest rate is 3.5%. Meaning, you will still lose money by selecting investments this way.
Production is less flexible.
3. Property.
Advantage;
* A plan "forced savings" as well.
* For a good hedge to avoid inflation.
* Ability to skyrocket during the bubble economy.
Disadvantages:
* To start saving is difficult, for advances to higher and you must qualify for bank loans (net salary per month min RM1500)
* The scheme of repayment of long-term mortgages are not flexible.
* Can not be immediately converted to cash. (Difficult if there were emergency cases)
4. Life Insurance.
advantage;
* A convenient storage and protection benefits.
* Since many policies impose a penalty if withdrawn before maturity of insurance, it acts as makenisme to encourage savings.
* Proven program as being "forced savings" effective.
Deficiency;
* Returns a bit lower than the long-term investment vehicle to another.
* Lack of flexibility.
5. Unit Trusts
Advantage;
* Ideal investment tool for safe storage for frequently.
* Returns a slightly higher than fixed. (Public Mutual between 10% -25% per annum)
* The beginning is not as small as required to a savings account. (Public Mutual min RM 1 thousand)
* Usually a simple investment increased savings on regularly.
* The benefits obtained through dollar cost averaging. (There are times when I describe) a balanced investment portfolio that you do not have to manage.
* You can sell your units when the price is satisfactory at any time.
deficiency;
* Affected by fluctuations in the stock market or other markets that the fund had invested. (Ttp for long-term investments do not have to worry about this situation)
6. Stock Market.
Advantage;
* More robust dariapda current account.
* Can return many as timely.
Deficiency;
* You need a fairly large sum of money to enter the stock market (min RM10 thousand)
* Not for normal storage, which invests only beberaa hundred dollars a month.
* You need a lot of investment information and good luck to manage your own successful palaburan.
In short, you can evaluate the form of investments that are appropriate to the capacity and investment objectives. Refer to your financial consultant.
Thank you.
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