Sunday, February 19, 2012

Top 3 Posts in Janaury 2012

Top 3 Posts in Janaury 2012


1. How Safe is Your Money in the Bank


In Malaysia, there is a system established by the Government to protect depositors against the loss of their insured deposits placed with member institutions in the event the member institution fails. It is administered by Perbadanan Insurans Deposit Malaysia (PIDM) and brought into effect in September 2005.

All types of depositors, whether businesses or individuals, are protected. The maximum limit of coverage is RM250,000 per depositor per member institution.

Your deposit with member banks are covered automatically and it is free. When you have one million Ringgit you can deposit with four different banks and not four different branches of the same bank at RM250,000 each to get effective cover.  

Your money may be safe in the bank but is it productive? There are two factors to consider:



One of the aims of personal finance is to control your spending according to your budget. It is also part of your financial plan to save sufficiently.  An effective way to achieve your goals in these two areas is to maintain three separate bank accounts.



According to the Oxford Advanced Learner’s Dictionary, journal is a written record of the things you do, see, etc every day. Diary is a book in which you can write the experiences you have each day, your private thoughts, etc.  Both words come from the same Latin word dies ‘day’.

I have been writing diary ever since I was young. At the end of each year I will go to Popular Book Store and buy one. It is written on the cover    我的日记    (wo de ri ji – My Dairy). I write about the happenings of the day plus my personal thoughts and feelings on things which affect me.
I do not see any differences between the two:

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