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New cheque clearing system from July 1

posted by Khairul in June 30th, 2009 
in Bank Negara Malaysia   Tags: Bank Negara Malaysia, Cheque, CTCS

Berita baik kepada pengguna2 cek yg aktif :D

———————————

Business Times Online, June 30, 2009

THE cheque clearing system will be driven by the transmission of cheque images and data between banks and the clearing house with effect from tomorrow.

This will replace the current physical exchange of cheques, Bank Negara Malaysia said in a statement announcing the nationwide rollout of the Cheque Truncation and Cheque Conversion System (CTCS).

The CTCS is being managed and operated by Malaysian Electronic Clearing Corporation Sdn Bhd (MyClear), a wholly-owned subsidiary of Bank Negara which started operations on January 2, 2009.

According to the central bank, the CTCS is an initiative in modernising the cheque processing infrastructure through the electronification of the cheque clearing process and reduction of risks and costs associated with paper-based payment instruments.

Cheques continue to be an important mode of payment, accounting for 91.6 per cent of non-cash payment value, it said.

Bank Negara said CTCS will enhance the efficiency of cheque clearing and contribute towards lowering the cost of doing business, thereby enhancing the competitiveness of businesses as well as the overall economy.

For consumers and businesses, the rollout of the CTCS will lead to speedier and shorter cheque clearing cycle, resulting in faster availability of funds in the depositors’ accounts, it said.

Outstation and local cheques in the country will be cleared on the same day and funds will be credited to the depositors’ accounts no more than two days later, the central bank said.

However, in Kelantan and Terengganu which have different weekend bank holidays, cheques deposited on Sunday will require an additional working day for funds to be made available into the depositors’ accounts, it said.

Consumers and businesses will also no longer need to pay commission fees for outstation cheques, it added.

With the CTCS rollout, members of the public are reminded that from September 1, 2009, only the newly designed cheques conforming to the eSPICK cheque design standards and specifications will be accepted by the banks for clearing.

Consumers are advised to exchange their unused old design cheques for the new designed cheques with their respective banks, Bank Negara said.

Source: Business Times Online

Popularity: 3% [?]

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Cut in late payment charges on Credit Card effective July 1

posted by Khairul in June 28th, 2009 
in Credit Card/Charge Card   Tags: Association of Banks in Malaysia, Credit Card/Charge Card, Due Date, Statement Date

Business Times Online, June 27, 2009

The Association of Banks in Malaysia (ABM) yesterday announced that all its commercial banks will reduce charges for late payment on credit cards effective July 1.

In a statement yesterday, the association said the late payment charges will be reduced from a maximum of RM75 to a maximum of RM50.

It said credit cardholders will thus be required to pay a minimum of RM5 or 1 per cent of the total balance outstanding as at statement date whichever is higher, up to a maximum of RM50 for late charges.

In addition, effective July 1 or as soon as the requisite system changes can be made by the respective banks, credit card users will be given a minimum three-day grace period from the due date of payment.

Source: Business Times Online

Popularity: 4% [?]

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MY DEAR Warehouse Sale > 25 June - 5 July 2009

posted by Khairul in June 26th, 2009 
in Life   Tags: My Dear, Warehouse sale

kepada bapa2 dan ibu2…atau bakal bapa dan ibu…kalau tgh mencari brg2 budak/baby tu, skang My Dear tgh wat warehouse sales kat Puchong…diorang ni dh bertahun rasanya wat warehouse sale kat tempat sama…cuma dlm setahun tu beberapa kali aje…kebetulan wife tgh sarat…memang tunggu je warehouse sale ni

mula plan haritu nak pg petang first day…sekali pk nyer pk, sy dgn wife amik time-off pg pagi2 first day…kul 9:15 pagi smlm dh terpacak kat sana…mata melilau mencari brg yg adh di shortlisted… dpt la baby cot, mattress, set meja dn kerusi utk anak aku yg first, dan lain2 brg kecik2…rasanya ni 3rd time aku pg warehouse sale kat situ…tak dinafikan harga memang rendah dari market/normal price…kul 10:40 pagi siap beli, nak gerak balik…sebab nak masuk opis plak…tapi org dah ramai…walaupun 1st day + hari bekerja

shopping2 jugak…jgn lupe, beli ape yg perlu…shortlist dulu supaya tak ter-over expence…utk tgk ape brg yg ade, boleh tgk kat website diorang…dlm website tu normal price…kat sana lagi rendah

www.mydear.com.my

Popularity: 6% [?]

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Takaful(Insurance) - Buy Now or Later?

posted by Khairul in June 23rd, 2009 
in Insurance/Takaful   Tags: Etiqa, Insurance, Insurans, Pru-BSN, Takaful, Takaful Ikhlas

tujuan post ni bukan utk menakutkan sesiapa…ajal dan maut di tangan Tuhan…OD, OD juga….invest, invest juga…perlindungan insuran sekiranya ape2 berlaku amat perlu…terutama utk keluarga tersayang bagi yg dh berkahwin…sekurangnya-kurangnya takde la kite menambahkan beban pada mereka sekiranya ape2 berlaku

kat bawah ni adalah beberapa peranggan yg saya petik dari petikan akhar KOSMO…kalau nak baca full, boleh klik pada pic dibawah…sebagai iktibar

sebenarnya sy tgh compile research perbandingan antara insurans2 takaful utama ( camPRU-BSN, berETIKA, tulus-IKHLAS)….buat masa ni blum boleh nak publish…masih nak finalize, dan kalau publish pun, mungkin akan jadi isu antara agen2 insurans takaful…buat masa ni cite offline dari BH ajelah…sy bukan agen, tapi setakat nak explain sket2 psl insuran tu takde masalah…jadi kalau ade kemusykilan, boleh tanya, dan sama2 kongsi…kalau setakat nak tanya mana the best antara 3 tadi tu, mungkin sy ade jawapannya….cth yg ade dlm research skang ni, tgk the last paragraph dlm petikan kat bawah, anak punya bayaran premium percuma smpi anak berumur 25 thn…utk spouse jadi percuma pun ade…yg ni, based on my research, camPRU-BSN saje yg tawarkan…cth

bagi yg tgh dok pk nak amik mana satu, sy nasihatkan beli dulu mana2 insurans…kenapa?…sebab malang tak berbau…sebenarnya lepas korang beli insurans, korang ade masa sebulan (actually maybe 45 days) utk cancel dn dpt balik duit first payment tu…so kalau nak beriya sgt pk, pk dlm tempoh sebulan tu…jgn pk dlm tempoh takde pape…lepas tu kalau nak tukar, then cancel aje dlm tempoh sebulan

P/S: nama2 comp insurans diatas bukanlah nama sebenar…pandai2 la korang teka

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Popularity: 10% [?]

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Apa itu FOREX? - Pengenalan

posted by Khairul in June 22nd, 2009 
in Forex   Tags: Broker, Currency, ECN, Foreign Exchange, Forex, MetaTrader

Apa itu Forex?

Perkataan FOREX dipetik dari Foreign Exchange, iaitu pertukaran matawang asing oleh bank2 diseluruh dunia, berterusan selama 24 jam, 5 hari setengah seminggu.

Pasaran harian Forex ni dibuka dengan pasaran New Zealand dan Australia (5am-2pm), diikuti dengan Asia iaitu Jepun, Singapura (7am-4pm), kemudian Eropah (1pm-10pm) dan US (8pm-4am). Bagaimanapun, 3 sessi trading yg paling utama adalah Tokyo, London dan New York. Dikatakan waktu market paling aktif adalah apabila 2 sessi bertembung, iaitu sessi Tokyo – London (4pm – 5pm) dan sessi London – New York (8pm – 1am)

Memang sesuai sgt ler dgn time Malaysia….4-5 petang time minum kopi..lepak cafe…8mlm – 1pagi dah kompom ade kat rumah…layannnnn

Dengan faktor keaktifan pergerakan harga yg mencanak-canak, Forex menjadi alternatif paling popular kerana ROI nyer yg tinggi….secara purata, 5%-10% sebulan…ade yg boleh dapat lebih dari 100% sebulan…(kalau lah boleh dpt 100% sebulan…)

Matawang

Matawang utama dlm perdagangan Forex adalah USD, EUR, GBP, CHF, JPY, AUD dan CAD. Currency pair utama pula adalah currency yg berpasangan dgn USD…cth EUR/USD, GBP/USD, USD/JPY dan USD/CHF. Cross pair pula adalah currency yg tidak berpasangan dgn USD, seperti EUR/JPY, EUR/CHF, GBP/JPY dan EUR/GBP.

Platform

Seperti yg sumer sedia maklum, transaksi jual beli Forex ini dilakukan secara online. Terdapat 2 jenis platform iaitu software yg anda install di PC, atau web-based melalui Internet Browser. Cth software adalah MetaTrader, VT Trader….dan web-based pula adalah Easy-Forex.

Broker

Untuk membuka akaun Forex, anda perlu membuka dgn broker. Broker ni kebiasaannya mempunyai server diorang sendiri, dan ade right untuk tarik signal pertukaran matawang dari bank, dan kemudian dipaparkan pada platform yg tertentu yg akan kite gunakan utk trade. Pasal platform dah cite kat atas…so platform ape yg broker nak pakai, terpulang kepada broker. Cth broker adalah InstaTrader, FXCM, IKOFX, CMSFX, InterbankFX, dsbg. Mengenai broker ni, ade satu lagi jenis broker…iaitu ECN Forex Broker. Dengan ECN broker ni, signal yg kite nampak di platform adalah signal direct dari bank…bukan dari server broker…so takkan ade issu seperti anti-scalping, stop-lost hunting dan sbg.

Cukup dulu utk pengenalan….to be continue…

Popularity: 10% [?]

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Portal Semakan Harga Barang

posted by Khairul in June 13th, 2009 
in Life   Tags: KPDNHEP, pricewatch, smartconsumer

ni ade satu portal yg berguna bagi mereka yg ingin membuat perancangan seblum pg ke hypermarket, supermarket, dan juga pasar basah besar agau kecil…ade lebih 50 jenis barang yg boleh dibuat semakan dan perbandingan

menurut KPDNHEP, portal ini dikemaskini setiap hari hasil kerjasama 1,600 ahli pasukan pemantau harga di seluruh Malaysia…mari kite tgk ape yg ade dlm portal di dan bagaimana perbandingan harga boleh dibuat…

www.smartconsumer.my

Dipetik dari portal tersebut :

Portal Smart Consumer dibangunkan oleh phak Kementerian Perdagangan Dalam Negeri Dan Hal Ehwal Pengguna (KPDNHEP) atas dasar untuk memberi pengetahuan dan pendidikan kepada pengguna dalam isu-isu berkaitan kepenggunaan secara atas talian. Ini adalah sebagai saluran alternatif bagi pengguna untuk mendapatkan maklumat secara mudah mengenai hal-hal berkaitan kepenggunaan selain daripada portal rasmi pihak Kementerian.

Melalui portal ini, pengguna boleh membuat perbandingan harga semasa barang-barang keperluan melalui ruangan Price Watch dan juga Smart Pengguna, tips-tips pengguna pula memberikan pelbagai informasi berkenaan kepenggunaan merangkumi isu automotif, kesihatan, pemakanan dan makanan, kewangan dan lain-lain lagi. Ruangan laman sembang (chat room) juga disediakan untuk pengguna berinteraksi sesama lain manakala ruangan forum dibangunkan atas kesedaran untuk memberikan pengguna satu medium untuk meluahkan pendapat dan pandangan mereka terhadap isu kepenggunaan semasa di dalam negara.

Pihak Kementerian berharap dengan adanya portal smartconsumer.my ini ianya akan menjadi satu platform yang berguna untuk seluruh masyarakat pengguna di Malaysia dalam mendapatkan informasi dan berkongsi maklumat berkaitan isu-isu kepenggunaan agar kita dapat melahirkan golongan pengguna yang bijak dan bermaklumat.

Let’s try….

Dari portal diatas, klik pada icon Price Watch….kemudian pilih loaksi, premis dan barang utk disemak…hasil dari parbandingan yg sy buat adalah seperti dibawah (klik pada gambar utk besarkan)….ni cth aje…saje2 try…tapi based on the result, where should i go?…dh tentu MYDIN :D

Popularity: 14% [?]

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