Tuesday, February 16, 2010

Credit Card Service Tax..its here whether you like it or not

Service Tax for credit cards has finally been imposed as at 1 Jan 2010.
Thankfully it will only be charged on the anniversary date.

Indirectly, its also a way for us who have many credit cards to use this as a way to consolidate and simplify our life.

So what have I done to avoid being charged service tax?
- Cancelled my citibank Air Asia card in Dec 2009 [anniversary date: Jan]
- Cancelled my HSBC Master card in Dec 2009 [anniversary date: July]
- Applied for new MBF card with 0% bal transfer deal for 12 mnths in Dec 2009
- Redeem almost all my points on Standard Chartered Credit Card
- Cancelled MBB Petronas Visa card in Dec 2009
- Cancelled MBB Ikhwan Amex card in Dec 2009
- Cancelled my Alliance Ikea card in Jan 2010 [anniversary date: Feb]

Moving forward, i need to do the following to avoid the credit card service tax:
- To cancel MBF lady card in April 2010
- To redeem HSBC points and cancel HSBC Visa card in June 2010

Am still contemplating whether to cancel the following:
- Maybank Petronas Visa Ikhwan card [very tempted to cancel apart from the thought in case I need to sign up 0% EPP plans in future and maybank always accepted everywhere]
- Std Chartered Visa card [coz they have sure-win contests which I hv won RM50 last yr, and iPod this year]

I will keep and endure the RM50 service charge on the MBB Gold AMEX card, as that gives the best deal. 5x points on grocery,bookstore purchase & petrol, 3x points for autopay mobile bill, 2x points for other purchase.

What have you done to avoid being charged service tax?

Saturday, December 12, 2009

When will Service Tax on Credit Card be imposed?

I have been googling around to find the exact date when the service tax on credit cards will take effect? However, there seems to be unclear information from the government til now.

Have called the banks to ask, their answer is to wait. no need to cancel your card yet.
But how long to wait? cancellation doesnt take effect when want to cancel also must strategise properly.

This is agonising! RM50 per card is unnecessary money to waste. That can pay 30 days of my breakfast every morning.

The only good thing is MBF have announced that they will cover the RM50 service tax. So if you want to save some cash, can apply MBF cards. Not only that, they have even came up with the 0% power balance transfer offer, as long as you spend minimum RM300 per month.
So if you've got to pay telco/utilities bills /petrol..then RM300 can easily be met.
Heck...if can delay payment & invest your cash instead..why not right?

p/s: Learn how to settle your credit card debts on your own...
Click Here!

Wednesday, August 12, 2009

How can I earn minimum USD2000 per month?

I had been calculating, if I were to quit and do online business full time, how much would I need to survive at a minimum?

Looking at my commitment level and past expenses.. I believe I would need at least stable income of USD2,000 per month.

And so, how can I achieve this?

then..i came across this email from one of malaysia's super internet marketers...definitely worth checking out..


Subject: URGENT (24 Hrs Left!) - Unlimited Paypal sales notifications


You have less than 24 hours to grab IMRenegades platinum before
the price goes up! For now its $47 for 8 ORIGINAL turnkey business!

1. IMRenegades will increase in price in 24 hours time (no exception)
2. If you have Paypal account, you can start pulling in unlimited
Paypal sales notification as fast as 15 minutes from now because
their system is made to be EXTREMELY simple (3 steps system)
3. You are not going to be a millionaire. But $500 to $1000 per month
from 15 minutes of work is still cool :)


Most of the people on my list ask me the same question over and
over again.

- How do I setup this and that..
- Where do I get good products to sell?
- Where do I start?
- How do I find my Paypal button
- How do I load messages on my autoresponder
- etc etc...

As much as I would like to answer all the questions, you still have
to take action and do the setup yourself.

That is why I like IM Renegades' services because they will help you
to solve all your problems even if you are a total newbie! And if you
are experience marketer, you still will want to leave the 'dirty' job
to IM Renegades and just make the cash :)


See ya inside


so..what did i do?
of coz i go checked it out rite..and sure enuff....this is definitely a must hv if u are just starting to learn how to make money online whilst juggling full time work.

definitely IMRenegades is the short-cut easy way to earn that extra cash

Wednesday, July 8, 2009

Attended MMI and Global Internet Summit in June

June was a busy month for me.

I attended Millionaire Mind Intensive on 12-14 June.

Certainly a mind blowing experience...though it was rather annoying with the frequent high-fives and dances.

the 90-day wearlth conditioning book and the CDs were worth it though.

kept the fire going in me post MMI.

Then on 19-21 June, attended Global Internet Summit.

For those who attened Global Internet Summit, pls subscribe to this google group I have set up here

will post the pics when i have transferred from my phone.

Monday, April 6, 2009

Barcamp KL 2009

I just attended Bar Camp KL over the weekend.

Barcamp this year has so many more sessions than last yr, that at times I wish I can split myself into three.

Even the number of participants probably doubled, though half the crowd were gone on the second day.

Some of the sessions were really informative and enriching, whilst others were just pure waste of time.

It was funny to see when someone trying to promote travel MLM-style business opportunity, and more than half of the people walked out in the middle of the talk.

That's one thing I liked about barcamp...the FREEDOM !
you are free to walk in and out anytime, ask questions and debate and share your thoughts with attendees and presenters.

Not only breakfast / tea break, free t-shirt, free parking. Only sad thing this free lunch and free bags.

Barcamp is a real great place to get motivated, as you see young entrepreneurs who are so lucky to be able to escape the political/ bureaucratic 9-5 corporate jobs.

I longed for the day for me to have that freedom too...

Friday, March 6, 2009

Internet Marketer's Mind Movie

I came across this movie today..
very inspiring and a real morale booster in this difficult economic situation .
It was recommended that we watch it at the beginning of each day...

Sunday, December 28, 2008

New Year giveaway

After signing up for various I am gonna try and be a contributor to the giveaway instead.

The New Year Giveaway event is happening from 1 Jan 2009- 15 jan 2009.

For freebie lovers, this is another chance to add to your collection of free ebooks and free softwares.

For the internet marketers, this is a great chance to start the year with a whopping addition to your list.

For those interested to find out more, you can visit the site here ->

Monday, November 24, 2008

Scenes of Start-Up Camp KL 2008

Start-Up Camp KL 2008 camp and went by in a blink of an eye..
a jam-packed, thought provoking event full of interesting sharing sessions and talks and jokes and games..
definitely looking forward for next year's Start-Up Camp.
Here are some pics from the event:

Wednesday, November 19, 2008

See ya at Start Up Camp!

I'll be at the Start-Up camp this weekend at Plug and Play Center Mid Valley...
so looking forward to it...
I've just printed the schedule..most of the sessions sounds so interesting, that I wish I can cut myself in 3 so I can be in all at one go..
And the fact that its free..even better ;)

StartUpCamp KL 08 title=

Thursday, November 13, 2008

Global Internet Summit

I just found out about Global Internet Summit. so when googling for more info about it.
apparently its free, gonna be held in penang.

I also found this video on Global Internet Summit ->