Opp: Free Dell Design Studio Laptop

There ain't free lunch in this world, the same applies to laptop.
Now, you stand a chance to win a Dell Design Studio by entering the Dell Design Studio Contest.
As a full-time worker and part-time blogger, speed-efficient and easy-to-use laptop Design Studio Laptop is prerequisite for me.  But there are so many brand in the market, why Dell?
......
Because one more thing Design Studio Laptop offers is individuality. The make-it-yours contest is the platform that allows users like your and me to customize Dell Design Studio Laptop Skin FOC. I Stress again, its Free Of Charge.

Everyone Is A Winner
There is only one laptop, it means one winner too. Don't BS here longlibra. <---primitive thinking
Wow, how to be a winner too? Is that real? longlibra <--- wise thinking

Indeed, there is only one "your very own" studio laptop, & two RM5000 department store voucher for best design. Most popular design stand a chance to win a RM2500 department store voucher as well.
But considering the chance given to design a Dell Studio Laptop with your own personality for free, we are allowed to preview the laptop skin of our beloved laptop without cost. That makes everyone a sure winner. Hurray! Perhaps, probably Dell would offer free laptop skin customization service for laptop purchase? Hopefully it will come true.

Entry Qualification
There are three main conditions to qualify for the contest.
1. The participant must be Malaysian.
2. The participant must be over 18 years old.
3. The participant must not be the director or employee of the promoter (Dell Global Business Center S/B), or the immediate family member of the director or employee of the promoter.

Make It Yours
Okay, here is the website that I'm talking about. Enjoy your photoshop-ing session! (Click on the link below)
Make It Yours

*The above post is solely based on author comment and have zero monetary interest.

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Top 5 Influential Economic Events In Malaysia for 2010

1st. AFTA

The Asean Free Trade Area (AFTA) is scheduled to start free trade in 2010. Six Asean countries including Malaysia, Indonesia, Philipines, Thailand, and Brunei will spearhead the AFTA while another 4 Asean countries will join in the pact no later than 2015.

Based on the AFTA concessions, the Malaysian Government pledge to rescind import tariff on 1943 type of products,sectors affected including the automobile, garment, fabric, electronic, fishery, agriculture,timber, rubber, & etc.

(Tropical fruit, tobacco, and tobacco products were excluded with import tariff topped at 5%)

What Is It So Influential?

Upon launching on AFTA, we as the Rakyat of Malaysian can enjoy the benefits bring by AFTA which are Price, Quality and Choice. As the free trade environment induce the competition between local manufacturer and foreign manufacturer, quality and low pricing become the key competitive advantage.

However, our government had undertake some counter action by introducing the Goods & Sales Tax to increase the Rakyat's Burden.

So, are we going to pay less or more after the launching of AFTA & GST?

Or everything is gonna be the same?

2nd. Financial Reporting Standard 139

Every listed companies in Malaysia are required to adopt the FRS 139 in their account. The brand new FRS 139 forbid listed companies to include Off Balance Sheet activities to reflect the entire transactions flow within the companies.

At the same time, the price of financial instrument held by listed companies should be on "Mark-to-Market" basis. The adoption of FRS 139 might lead to adverse impacts for Malaysian Listed Companies.

Why Is It So Influential?

Dear equity investors, I am sure everyone knows that the good or bad of annual report result would lead to the fluctuation of share price. Your investment return is bank on the annual report result, start to research for good companies and throw the bad ones. Treat the FRS 139 as an opportunity.

3rd. Higher and higher Electric Cost

The parliment announced on 22th July last year that the electric bill will be revised every two quarters, next revision scheduled at Feb 2010 is just around the corner.

Do you think the electric price will increase again? Yes No? Anyhow, the price of current will only increase and will never mark down.

Moreover, the National Energy Plan are scheduled to release this year. The National Energy Plan will sketch out a guideline towards maintaining the sustainability of energy supply.

Why Is It So Influential?

Renewable energy seems to be the long- term solution toward scarcity of electricity. The delayed 2010  renewable energy policy is being put under the spotlight now. Be it anything, the Rakyat can get something out of a successfully implemented. green policy Perhaps, Malaysian can enjoy the fruit of green technology producing cleaner energy at a cheaper price soon. I hope our government is not going making a foolish decision.

"GREEN POLICY = GRIN POLICY", SMILE =)

4th. 10th Malaysia Plan

The 9th Malaysia Plan is scheduled to complete at the late 2010. The Economic Planning Unit (EPU) of Malaysia budget RM230 billion for the 10th Malaysia Plan.

The primary objective is to reduce government deficit, increase Malaysian Salary Base, strengthen national security, minimize corruption, improve education standard, improve Rakyat's living standard, rural area development, and improving public transportation system. More and more beneficial policies are under planning and going to roll out soon.

Why Is It So Influential?

It's been a bad year during the 2009.  Issues including the Perak Takeover, TBH's death, the PKFZ's scandal, MCA's internal dispute, and many more unhappy thing happen around the country, yet our government unable to do anything to cooldown the situation. The Rakyat's anger is rising, yet our government is increasing our burden by introducing GST and cancelling subsidy on sugar recently. So, whatever promised in the 10th Malaysia Plan remain as a promise until it's been done.

We will never know how many percent of 10MP budget will be inside the pocket of politicians.

Rakyat!! Wake up now and cast your vote wisely during the next General Election, let the politicians know the power of the Rakyat. Always remember that they needed us more than we needed them.

5th. Consolidation of Banking Industry

The Bank Negara Malaysia (BNM) is going to issue 3 new licenses for foreign commercial banks. Local banking environment would become more competitive that is going to stimulate the merger and acquisition (M&A) activities amng local financial institutions.

Why Is It So Influential?

Recently, Hong Leong Bank is pursuing a deal with EON Capital to acquire the latter. On the other hand, there are rumor that Alliance Financial Group is on a merger deal with EON Capital. Not matter how the situation happen to be, the size of banking institutions are going to grow bigger and larger with parrallel growth in revenue and profit. The banking institutions is still the industry worth investing in. Perhaps, consumers would also benefit from possible lower loan rate.

The End

The above issues are raised by a writer in Oriental Press. I found it is very useful and would like to share with every readers my perception towards the effect of different events happenned around us. If you have your own thinking, please drop a heartful comment sincerely.

Credit to Oriental Press =) Free Newspaper That I Read Every Morning.

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My First Google Adsense Payout Via Western Union!

Yea! I am celebrating my first Google Adsense payout on the 28th of December 2009. After the hardwork of 4 months, I finally managed to withdrew Google earnings from my very first blog, longlibra.blogspot.com.

Wuuuhuuuu. Thanks to google and adorable readers. For adsense bloggers, keep your hard work and get paid soon okay?!

For those who don't know about Google Adsense, click here.

(I beg your pardon, Adsense is too old to explain)

The Conditions To Receive Adsense Earnings Via Western Union

After setting up google adsense advertising program in your blog, you have to accumulate USD100 of earnings to entitle for adsense payment. Once your earnings reach USD100, go to your adsense panel and follow the steps on the picture below.

What's Next?

Then, go to "my account" and click on " payment history"

You will see the "payment history" page, like the bottom one

Then, go to the "payment issued - details" and click on "details". A new page will load up, it will looks like the below one.

(RED rounded rectangle locate the exact place of the information you need during whtidrawal, write down the  following or snap it with your phone's megapixels camera)

Picking Up Payment

Simply go to any local banks that provide Western Union Money Transfer Service, for example Cimb, Public Bank, Maybank, and RHB Bank. (I withdrawn from Cimb, which is beneath my office)

Western Union Money Receiving Form @ Cimb

Go to the reception counter and ask for Western Union Money Receiving Form, remember to take your queue number as well. Quickly fill up the form that requires,
>Receivers' Name
>Receivers' Address (Exactly in IC & Google Adsense)
>Receivers' Telephone Number
>Senders' Name
>Senders' Address
>Amount Expected
>Money Transfer Control Number

Be patient and wait for the firendly banking oficer to verify the request, the whole process should take time around 10 - 20 minutes.
The bank office says: Sir, here's (*your cashout amount). Thank You.

The rate Cimb quoted is RM3.40558 / USD. Bear in mind that you can always wait for the ringgit to depreciate against USD, with the risk of the opposite happen as well.

Thank for reading this and feel free to drop your friendly comments. Experiences sharing is desirable. 2 more days to New Year, dik dok dik dok!!

Oh Ya, don't forget to collect your receipt after picking up payment.

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ISS: Beware! New & Simple Method To Steal Your ATM Money

Dear Readers,

Beware when withdrawing money from your account when using ATM machine.

Thief no longer need to steal the whole ATM machine to take away cash inside it.

There's a new and simple method in town stealing our ATM card and password. Take a look on the pictures below:

Firstly, the man standing in front of the ATM looks like doing a transaction.

In What he's really doing there?

In fact, he is actually placing a trap to "capture" the next user card.

Altering the ATM is a risky business, these men work in teams.

The lookout warns of any possible eye witnesses/ or next potential victim.

Here comes the "prey".

He inserts his card and begins his transactions.

The ATM card is confiscated, and the "prey" is confused.

However, here we see the cavalry coming to help. (HELP!!!).

Here we see the thief pretending to help. He is trying to gain access to the "preys" PIN number, since he already capture the card.

The good Samaritan convinces the "prey" to press his PIN, while the Samaritan press 'cancel' and 'enter'.

After several attempts the "prey" is convinced his card has been confiscated. The "prey" and the Samaritan leave the ATM simultaneously.

After making sure the area is clear, the thief returns to recover the confiscated card from his trap. Not only did he has the card, he also has the PIN the "prey" provided unknowingly.

In possession of the card and the PIN he leaves the ATM with money from the "preys" account.

How the trap been set up?

The trap is made up of XRAY film, which is the preferred material by thieves. Simply because the black color which is similar in appearances to the slot on the card reader.

The trap is then inserted into the ATM slot. Care is taken not to insert the entire film into the slot. The ends are folded and contain glue strips for better adhesion to the inner and outer surface of the slots.

Once the ends are firmly glued and fixed to the slot, it is almost impossible to detect by unsuspecting clients.

Slits are cut into both sides of the trap. This prevents your card being returned prior to completing your transaction.

As soon as the "prey" has gone, and the have your PIN. The thief can remove the glued trap, by grasping the folded tips, and simply pulls the trap out that has retained your card.

My advices to all readers

After viewing the above pictures, what type measures should the ATM users need to take? Note that majority of us are ATM card holder. Don't use ATM anymore?

Here are my personal suggestions to undertake when you encounter such problem,

i. Never leave your card unattended even it's been confiscated or trapped inside the ATM machine. Do contact the bank's customer service hotline immediately to request for help. Stay there and wait for help.

ii. Never let anyone standing in a short range that allow he/she to peep at your PIN. You will end up providing your PIN unknowingly.

*Don't ever reveal your PIN to anyone, except your immediate family if necessary.

iii.  Always observe the ATM slot and the card reader for any signs of tampering. Should you see the film tips glued to the slot, unglue, pull the trap out and recover your card.

Credit to Directorblue & Barclay Bank UK

=) Do you enjoy your christmas break? I do enjoy my break and hopefully everyone visit here enjoy too. Waiting for New Year Break now.

Do leave your comment on this post too.

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