Travel Insurance

Travel Insurance gives total peace of mind

Great holidays not necessary begin at the holiday destination. It can start from the time you step out from your office to destination. You will more relaxing with the companion of travel insurance, which gives you and your family total peace of mind with the insurance coverage.

Travel insurance usually covers and protects the holders from the frustrating setbacks such as flight or luggage delay for an example, or even such as accidents, serious illnesses and injuries during your trip. Most of the times, the travel insurance can be purchased during the time of travel booking  

There are many insurance company which offers travel insurance, therefore its importance for you to choose the right one from simple guidelines below

a) Rates and coverage (Price of the policy / area of coverage)

b) Travel assistance availability (check if 24 hours coverage)

c) Other value added coverage or services

d) Eligibility (example entry age)

e) Mode of payment (example online payment versus counter payment)

f) Maximum period of coverage (how long the coverage per trip or multi trip)

g) Exclusions (refer to the insurance company)

Always remember to do your research and comparison before sign up!! Contact your local insurance company for details if needed and have a pleasant flight

Sunway Pyramid Shopping Mall

Sunway Pyramid shopping mall was opened in July 1997 by Sunway Group of Companies after the Sunway Lagoon Water Park. Sunway Pyramid shopping mall is just located next to the water park in Bandar Sunway, Petaling Jaya (read my previous post for information on Sunway Water Park).

The unique building design which makes the mall outstanding is the Pyramid shape layout with a lion that guard the building in accordance to myth. The mall is the only mall in Malaysia that has an indoor ice skating arena.

Sunway Pyramid mall is now having more than 500 retail outlets from Boutique to choices of great F & B outlets, a cinema with multiple screens, bars, karaoke, bowling and many more. The anchor tenants for Sunway Pyramid mall are Jusco, Parkson, Giants. For the virtual tour, watch the Sunway Pyramid Mall video below 

How to Get There

For tourists, the Sunway Pyramid mall is accessible via public transportation such as buses, rails and taxi. Always refer to the updated map for the route details which may change over the time.

Sunway Pyramid Mall Map 

More details refer to Sunway Pyramid Mall official website http://www.sunway.com.my/pyramid/

Tips in Car Insurance Rate Quote Comparison

There are readers asking on how to source for cheap car insurance lately. This is a million dollars question in term of saving in insurance premium (cost) over X period of time. The best was is to compare the online insurance quotes and to obtain the recommendation for the car insurance coverage online

You need to have the following to obtain your car insurance quote online

a) Driver’s License

b) Model, Make and Year of the motor vehicle

c) The Finance Company

d) Vehicle Identification Number (VIN)

Finally once you obtained at least two to three rates from the insurance company, the list down the following for comparison

a) Premium Cost

b) Insurance Coverage

c) Other benefits

d) Insurance Company feedback (Feedback on the insurance company, such as claim process)

Once you have all the items listed and compared, smart people like you will know what to select. Importance point to note is that to even lower the insurance premium, select the annual payment (renewal) instead of 6 months renewal. That is very simple, as the frequent renewal process involving administrative changes which usually taking info factor when generating the car insurance quotes. Good luck people!

How to cancel your car insurance policy

Signing up for car insurance is mandatory as an asset to protect the policy holder in the event of accident. There are situations where the car insurance is no longer required, example you sell your car. Obviously you no longer need the insurance coverage for the said car (cut it short, so that you do not pay for the car insurance that you no longer own), as someone else would be using anyway. To terminate or cancel your car insurance, you can just simply follow the steps below

a) Contact Your Insurance Company

Contact your insurance company and inform that you wish to cancel your car insurance policy with the effective date given. The cancellation date MUST is correct, as soon as your coverage lapsed. Your insurance company will no longer cover the said car / motor vehicle, in the event of accident. How bad!

b) Insurance Policy Refunds

Let’s say you prepaid your insurance policy and the cancellation date is short after the payment. You may ask your insurance company for the refund on the balance on your policy. In most of the case, the insurance company you send you the payment after the termination process is completed. Please refer to your insurance company for refund details and policies

Lastly, inform your state’s department of motor vehicle on your cancellation. Note that after the car insurance termination, you are no longer protected by the insurance coverage and the said car should be stay off the road!

Motor Vehicle Insurance

All motorists will definitely need to have car insurance, auto insurance or motor insurance policy in relatively to their motor vehicle. Motor or automobile insurance is mandatory before the motor vehicle is allowed on the road. The motor insurance covers the policy owner and the vehicle in the event of accidents, in accordance to the agreed term and conditions; between policy owner and the insurance policy issuer.

The car insurance policy fees are usually variable from each to the other, as the Insurance company has their formula when comes to fees. Examples are the track record of the driver, amount to insure, age, vehicle classification among others. The key to the lower car insurance premium is usually associated with the Non Claim Discount (NCD) or also know as Non Claim Bonus (NCB) is some countries. Under circumstances, if the policy holder (motor car driver or owner) has claimed free within a specific period. Upon the renewal of the Insurance policy, there will be an additional discount to the total premium amount for the said policy holder.

Generally the motor vehicle insurance covers the following items, and of course there are more advantages which are available out there due to competition.

•           Physical damage of the insured motor vehicle


•           Medical / Financial assistance to the policy holder


•           Third parties coverage

Lastly, note that all countries / regions are having their Motor Insurance policies in accordance to the local laws. Contact your local Insurance brokers / issuer for details and comparison before signing up!  

Sunway Lagoon Water Park, Subang

Introductions

Sunway Lagoon Water park was officially opened on 29 April, 1993 by the former Prime Minister Of Malaysia Tun Mahathir Bin Mohamad. Since then, the Sunway Lagoon Park has been transformed as one of the most popular amusement park in Klang Valley (near Subang Jaya). There are more than 80 rides and attractions, with park expansion from the Tropical sun Water Park, the Amusement Park, the Scream Park, The Extreme Park or the Wildlife Park; which suit all. Please refer to Sunway Lagoon official website for the entrance fees listing (http://www.sunwaylagoon.com/rates.asp)

The Sunway Lagoon Entrance

For those hate to queue for the entrance tickets, Sunway Lagoon Park also accept online bookings with multiple payment channels such as Paypal

Operating Hours

The park is closed on Tuesday (except Public Holidays & Malaysian School Holidays), see the operating hours below

Weekdays (except Tuesday) – 1100 hrs to 1800 hrs

Weekends and Public/School  Holidays – 1000 hrs to 1800 hrs

The Sunway Lagoon Map

How to Get There

Sunway Lagoon is located in Sunway in Petaling Jaya, which is accessible via major highways such as Federal Highway, New Pantai Express Way (NPE), KESAS Highway and Lebuh Raya Damansara-Puchong (LDP). The normal driving time from Kuala Lumpur is approximately 30 minutes by car. Set the following GPS information if you need too

Latitude : 3.07199

Longitude : 101.60515

Other than driving, the Sunway Lagoon is also accessible via public transport such as bus , taxi and train services (KTM stop Subang Jaya station and Putra LRT at Kelana Jaya station – required to switch feeder bus).

Nearby attractions  

Sunway Pyramid Shopping Mall (walking distance)

Sunway Hotels and Resorts  (walking distance)

Internet Marketing - The Affiliates

What is Internet Marketing Affiliates? 

 There are multiple ways in doing Internet business. The conventional way is by selling the products or services directly to customers via market place such as Ebay (www.ebay.com) or placement on a website

As the ways of doing business advances, the website and blog owners can actually earn commission by joining the Affiliates program. An online Internet marketing affiliates or known as 'middleman' earn commissions by referring the potential customers to the seller websites or products. As soon as the product or services sold, the referrers will be paid on an agreed percentage of commissions

How Internet Affiliates work?

A normal website can be build within hours with these tools, with Internet. It would we weird today for someone living without Internet and a personnel computer isn’t?

It’s pretty easy to set up your own Website today, thanks to the web builder tools with drag and drop functions

Now you own a website, what next? Re-think; if merchant selling items online; how would them attract potential buyers to their portal. Other than the Online Advertisement covered, another popular way is an affiliate program. We’ll guide us how to use them to benefit your website or blog

How to earn lifetime commissions – Affiliates

To generate a substantial income, the important factor involves careful selection of products that you going to promote. Personally, it’s worth to promote products and programs that pay lifetime commissions. Maybe the one time commission is usually higher; now re-think again the differences between one time and life time.



Affiliates Wanna Be
Now RETHINK again on how the affiliate will benefit you!! The common question that asking to you self here ‘Do you want to promote someone products’ OR ‘Someone promote you products’. This question makes sense if you are running an E-Commerce portal for the second question.

The question one mostly applicable to most of us, where owning a simple website or blog and would like to make some small money. Becoming am affiliate is ‘super easy’ by select the right program and SIGN UP. Usually, the applicants will need to provide the URL (Web address) during the process. The program administrator will be running a check on the contents and traffic to ensure the suitability

Once the application is approved, you can almost immediately ‘Cut and Paste’ the code or banners into you website. Finally sit back and see the results!

List of  Affiliates and start make money online today

a) https://www.shareasale.com/

b) http://www.affiliatebot.com/

c) http://www.hostrocket.com/affiliates.html

d) http://www.markethealth.com/

e) http://www.clickbank.com/index.html

Credit Card Info

 Credit Card

What is Credit Cards

Credit card is a card (usually plastic made) issued by financial intuitions to their customers or known as card holders. Credit card allows the holders to make purchases of goods and services on credit.







How Credit Cards Work

The issuer of the card will set a credit limit or line of credit to it holders, which determine how much the holders can borrow for payment to merchant or for Cash withdrawal via ATM in the form of cash advance

The issuer will bill the holders at the end on the billing cycle on monthly basis. The card holders must pay the bill in full or at least a minimum payment before the due date as agreed. There will be an interest charge to the card holders if the bill not paid in full amount, until the debt is settle. It’s not wise to ‘owe’ banks on the credit card bill, as the interest usually much higher than any form of loans - example personal loan. Folks, hence please spent wisely on what is really needed and within your limit. Based on the statistics, there are many bankruptcy young adults due to ‘bad debt’

Of course, credit card giving lots of conveniences to the holders without the need to carry huge sum of cash; example down payment for a car or any big purchase as long as the purchases did not exceeded the credit line or limit agreed with the issuer

Interest Charges

There will be interest charges to the Credit Card holders if the balance not paid in full each month on the outstanding balance

Let’s take an example based on John case study, if John had charged $500 on his account and repaid in full within the grace period (is a interest free period between statement date and due date), then there would not be any interest charge. However, if John only paid $400 or which mean $100 unpaid, interest would be calculated or charged until full payment or settlement. The interest charges and other details usually can be found in the cardholder agreement documents.



Balance Transfer

Balance transfer is another powerful tool or mechanism which good to both the issuer and card holders. Usually, Balance transfer allows the card holders to transfer the outstanding amount from existing issuer to other issuers; Example from Bank ‘ABC’ to ‘DEF’

Banks is using Balance Transfer program to attract new customers by allowing the card holders to transfer the balance from one to the other. Most of the time, the cards holders will enjoy lower interest rates for the transfer and also can be converted into monthly repayment (tenure). This is beneficial for card holders who has a huge outstanding amount.

Credit Card Security

Credit Card security is the main threat to both the issuers and card holders. In view of the technology advances, the Credit Card security has been changed since the early day of magnetic stripe which tend to clone to the advance chip with many built in security features.

Based on the expert, below are some of the tips on cards security
- Do not leave your card unattended
- Do not reveal the card information to unknown person

- Do not write your pin on the card or anywhere visible. Remember it
- Enroll the card security verification such as 3D security code

The Melaka River

Melaka is rich with history and was founded by the Prince Parameswara from Sumatra in 15th Century. It was also once of the major port or a must stop for merchants from China, India, Arab and many more for trading purposes. The one of the critical success factor was the the Melaka river or known as 'Venice Of The East" by the European seafarers, signifies the emergence of Malay Sultanate of Melaka; which marked the beginning and ending of each war. The Melaka river was once of the main factors attracted foreign colonization, and it was the place where Melaka began until the modern city of Melaka today.

The Melaka River view

The Melaka river plays an important role in the development of Melaka due to its strategic river mouth that prince Parameswara of Sumatra settled and established his sultanate. His place was built on the east bank of the river (at the foot of St Paul's Hill)

The Melaka River @ night

Melaka river became an important conduit for trade and business center, in addition to the source of fresh water for Melaka city. The Melaka river enabled access to the interior and provided path for the forest produce to be brought down to the Market for trading.


The Melaka River Cruise

If you planning to visit Melaka river in the near future, visitors can also take the river cruise to ‘self experience’ the Melaka river. Basically there any types of cruises available, such as with the onboard recorded commentaries or with tour guide onboard. The touring time is approximately 45 minutes to 1 hour from Quayside Heritage Center to Taman Rempah. The cruise details as below.

Location: Jetty @ Quayside Heritage Center

Operating hours: 9:30am to 5:00pm / 6:00pm to 12:00 midnight

Ticket price and other arrangement, please contact Melaka Tourism Board for details http://www.melaka.gov.my/

The Google map of Melaka River Cruise

Nearby Attractions

- Istana Museum Melaka

- Dataran Pahlawan MegaMall

- St Paul’s Hill (A Famosa) - A must visit

- Christ Church Melaka

How Forex moves

The Forex Exchange rates moves are very closely linked to the various economic and political factors. The huge in rates fluctuations in exchanges rates happen during the Central Bank intervention, when a country trade in large amounts in controlling the value whether to raise or lower the rates.

Generally, other than the Government intervention; the rates movement also can be due to other factors such as hedge funds, news on economic shapes, political instability and among others.

10 Awesome Years!

Airasia is celebrating 10^th birthday and giving away CHEAP tickets as low as 10 cents. Promotion ending TODAY, please refer to the Web URL added for action  

Click here to the 10 Awesome Years!

Airasia Website

This Christmas at Time Square, Kuala Lumpur

Come and celebrate the Christmas at the Time Square, Kuala Lumpur. Managed to took the huge Christmas tree during my visit yesterday (see the picture below)

The huge Christmas Tree

There are programs lined up between now until 26 December 2011, I’m not planning to paste the programs here as could change over the time. Instead, please visit the official website http://www.timessquarekl.com/download/joyous-performances-2011.jpg

The Mall

Looking forward to visit other shopping malls in Kuala Lumpur City to compare the creativity, other than the running yearend sales. Happy shopping people :)

Star Cruise - Part 2 (Final)

After a busy week in preparation of my online store, here my installments for the final chapter on the Star Cruise. I will be continuing talking particularly on the Star Libra as this will be the best selection for the short gateway

3-Night Phuket - Krabi Cruise (Sun)

3-Night Krabi - Phuket Cruise (Sun)

Below are the departure dates for references. However, please call Star Cruises offices or your nearest travel agent for more information and confirmation. Alternatively, visit Star Cruise Website http://www.starcruises.com/

Star Cruise - Part 1

I planning to clear my annual leave, as without realizing that December have just started. The company is advising the staffs to clear all the annual leave or get forfeited.

After so thinking on what to do during the leave and doing some research on the Internet. Finally, I talked to myself that ‘hey lets go for a Cruise’. Immediately checked out the official Starcruise URL here http://www.starcruises.com/newweb/homepage.aspx

There are fleet of cruise ships being offered such as Super Libra, Superstar Virgo, Superstar Pisces and Superstar Aquarius. These ships are sail at the different locations around Asia (I Guess). I only does some research for Superstar Libra as the sailing line is along Singapore, Malaysia and Thailand (Phuket and Krabi) which near to my home country.

A part from the best in class facilities offerred on board, the ship facts as taken from the Star Cruise website as below

Gross Tonnage: 42,285grt

Length (metres): 216.3m/709ft

Width (metres): 32.64m/107ft

Average Cruising Speed (knots): 17kn

Maximum Cruising Speed (knots):20

knBow & Stern Thrusters: 2

Full Satellite Navigation System: 2

I have do some homework visiting to the travel agency in Endah Parade in Seri Petaling, Bukit Jalil which near to my office on yesterday late evening. There are multiple packages available, I opts for the 5N Sun Cruise with the following departure details

SIN -> PEN -> HKT-> MAL/PKL -> SIN

Room: Ocean View with Balcony Deck 9

Departure: Sunday

Time: 1600 hrs

Port: Singapore

Have taken some brochure and details and will be posted in part 2. Have a great weekends

The NFP trading today - 2 Dec

Today Friday (2 December) and also the release of the Non Farm Payroll (NFP), the dollars rallies after the November unemployment rate falls. I was short EUR/USD using forex demo account which makes at least 30 pips almost immediately after the announcement.

The forex market recently has been relatively quiet and moving sideways waiting for clearer directions, whether to go north or south. However, the wait and see strategies are not good for forex trading and forex brokers in general, as these brokers will see low in revenue as results of the lower trading volume.

At the time of writing which is almost 0000 hrs on Saturday, I stopped all my trading positions on the demo account and waiting for a better week ahead.  Just for the information to some of you, the NFP is released on the first Friday of each month which reporting the change in Non form employment.

Anyone feel free to add in comments below for the next week expectation. Have trading and have a good weekend