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Tuesday, November 10, 2015

This is how you start taking charge of your finances early in your life

11 Practical Tips to Save Money (Tip-Tip Berjimat Cermat)

Guest post by Michael Vincent (Share your tips with 49,000+ Malaysian students)

Saving money isn’t exactly easy to do, especially when there are so many things you want to see and do. But for students, it’s very important to do so early because you never know what can happen to throw you off financially. Check out these easy ways for you to save money.

11 Practical Tips to Save Money (Tip-Tip Berjimat Cermat)

1. Work Part-time For Cash and Experience
Taking up a part-time job is a great way to earn some extra money and get started on your savings. You’ll also get valuable working experience and skills which will make you even more employable in the future. Working will also teach you the value of money, so have a look at Student Part Time Jobs Malaysia where part time job advertisements are posted regularly.

2. Apply For A Scholarship
Whether you’re at a public or private higher education institution, you’ll have access to scholarships and grants. Most scholarships require you to have excellent grades for your SPM or your pre-university programs. Keep an eye out for the call for scholarship applications advertised in Malaysia Scholarships 2016, the newspapers, as well as the organisation or government agency’s website.

3. Get The Awesome KADS1M
Sign up for the Kad Diskaun Siswa 1 Pelajar (KADS1M). It’s free for students pursuing higher education at private and public education institutions. You get up to 60% discounts at various retail outlets and shops in Malaysia. Amongst them are Rapid KL (50% discount for bus, 33% discount for traveling between bus, LRT and Monorail), KFC, MPH, Focus Point and even airline tickets.

4. Challenge Your Friends And Family
Think you’re more budget savvy than your friends and loved ones? Why not make a game out of saving money and challenge them to see who has the most savings at the end of every month? Of course, if it’s a contest, it goes without saying that there has to be a prize waiting for the winner at the end of it all…

5. Vouchers Are Your New Best Friend
University and college students will receive the Baucer Buku 1Malaysia (BB1M) in 2016, so it’s time to use the RM250 worth of vouchers to purchase the books you’ve been looking for! And if you’re a huge foodie, why don’t you check out Worthy Book? You can get up to RM3,000 worth of F&B vouchers and save more money when dining out at over 100 shopping malls nationwide.

11 Practical Tips to Save Money (Tip-Tip Berjimat Cermat)

6. Shop Smarter And Pay Less
Malaysia is known for having plenty of sales all year round, so before making any purchases always wait it out for the big sales. For avid readers, visit book fairs like the Big Bad Wolf which is coming soon in December! And if you enjoy traveling or you’re crazy about gadgets, wait for the MATTA Fair or PIKOM PC Fair.

7. Watch Movies For Cheap
Instead of paying for full price movie tickets, catch a movie on a Wednesday (TGV and GSC cinemas) and watch movies before 6pm as its way cheaper! Students pay only RM10 tickets on weekdays and Early Bird Deals at GSC gets you tickets from only RM8, before 12pm. Not a fan of the cinema?  Stay home and watch your favourite movies and TV series on iflix from only RM8 per month.

8. Keep Track Of Expenses
The first step is to track your spending, so you can recognise where you might be overspending. Once you know where most of your money is going to, you can try to adjust and cut down on your spending. Try this free app, Mint. You can create and set a budget limit, see your spending pattern and it’s all tracked with cool graphs and interface.

9. Swap Your Old Stuff For Cash
Got any unused books, electronic or gadgets that are still in good condition? Instead of leaving it lying around your house collecting dust, sell it and get some extra cash. Check out the Malaysia Car Boot sale for locations and updates or head over to Cash Converters where you can get exchange unwanted items for cash.

10. Freebies Are A Must
Taking advantage of your university or college’s free services (that you’ve technically already paid for) doesn’t mean you’re cheap. So make full use of the facilities and do research and assignments, surf the Internet or take up free online courses. There may be free activities or events available on campus, so check out the noticeboards to see what’s happening!

11. Time Is Money, Spend It Wisely
There’s always the fear of missing out, but if your friends are always hanging out at expensive cafés or restaurants, learn to say no. Hanging out with friends is cool, but if you do it too often it will quickly burn a hole in your wallet.

Got any more cool money saving tips? Share it with us at the comment section below!

Michael Vincent, is an internet marketing specialist and also a finance writer on CompareHero.my. He does enjoy writing about finance and the technical jargons associated with it, but he deems it more helpful to people to write about saving money and managing finances. When he’s not writing, he’s self-studying Japanese.


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Sunday, November 08, 2015

Global Citizen Programme by AIESEC in Malaysia

Have you ever wondered what is happening halfway across the globe while you’re here reading this article on your screen? People are dying, children are starving and sadly, they were not as lucky as us to be born in such a safe and peaceful country. In AIESEC, we enable you to feel a shared responsibility for the world and provide you with the necessary tools to change it. Here is a great experience shared by one of our exchange participants, [update: who requested the name to be removed only after this article was published]:
“The mystical islands of the Philippines- Manila, was my home for 6 weeks. Signing up for the Lifeboat Project by UPD had exposed me to one of the most unique situations I’ve had so far in 2015. This project aims to raise awareness and preparedness of the local population regarding disaster relief. As exchange participants, we were required to help these three organizations with their daily work, namely the Philippine Red Cross, Buk Lud Tao and the Department of Interior and Local Government. We spent most of our time with the Philippine Red Cross by helping them carry out their daily blood donation programs around the district.

Global Citizen Programme by AIESEC in Malaysia

Meeting and interacting with the locals was certainly the best part of our work. It was absolutely priceless to see the smile on their faces with pure gratitude and appreciation. Minimal time was spent at the other two organizations because most of the jobs have been completed and there was nothing much we could do to help out.

Global Citizen Programme by AIESEC in Malaysia

On top of everything, we travelled around the country with the other exchange participants and had a great time. The awe-inspiring views of historical and natural wonders of the Philippines was extraordinarily breathtaking. Not to mention jumping off moving vehicles or sitting on top of a jeep travelling at 70km/hour while hanging onto the railings, we had a lot of fun. The low cost of living allowed us to travel light and visit many destinations with a tight budget. From volcanos to jungles and beaches, this beautiful country definitely has a lot to offer for the adventurous.

From this experience, I learnt to be flexible while adapting to different circumstances as things do not always turn out as planned. From a more technical point of view, I also picked up some basic first aid skills and also event management skills. Frankly, it was undeniably tough to be in a totally different surrounding with limited level of knowledge and experience. However, to be courageous by taking the first step out of your comfort zone - that brings everything in your life to a whole new level. To sum it all up, I’d say this 6-week-experience was the best decision I have ever made.”
So people, are you ready to change the world by changing yourself?


Visit AIESEC in Malaysia (Facebook). Universities that have AIESEC: Sunway, Taylor's, Monash Malaysia Campus, Curtin, UNIMAS, UMP, UPM, UKM, UTM, USM, UM, UTP, UUM and Nottingham Malaysia Campus.

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Sunday, November 01, 2015

Last Minute SPM 2017 Tips: Bahasa Inggeris (BI)

Good Luck in Your SPM 2015!


46 Good SPM English Model Essays / Free Essay Samples for SPM English


Planning for a year-end holiday trip? Click here to buy cheap bus ticket online Malaysia / Singapore


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Exclusive SPM 2015 Tips: How to Score Straight A+'s

SPM 2015 Tips: Bahasa Inggeris (BI)

English Language General guidelines

  • To prepare for this subject, you will have to continuously improve your language skills in every day life. Try to speak and write more in English language, and read more English books, magazines and newspaper.
  • Before the exam, you mainly need to concentrate on Literature and Writing.
  • To prepare for paper 2, all you need to do is to do exercises regularly.

A. Writing
i. Directed Writing

  • Materials will be given for this section. You are advised to read the question carefully before answering the question
  • You have to count the number of points given. If the number of points given are insufficient, you will need to provide your own ideas in order to score full marks for your content
  • If the essay is formatted writing, make sure that the format is correct.

ii. Continuous Writing

  • You are advised to read all the questions carefully and choose the question that you are most confident in.
  • Include some idioms and quotes by famous personalities in your essay to make it more interesting.
  • The sentence structure should be varied. Use simple, compound and complex sentences in your writing.
  • Your essay have to be interesting if you attempt narrative/descriptive essay. Avoid making grammatical errors in your essay. Refer to the question often when writing your essay to avoid writing out of topic.

B. Paper 2 Section A
i. Stimuli and Graphic Material

  • Read the materials given and question carefully, cancel off the options that you consider as definitely wrong. Choose the most suitable answer among the options you are left with, based on the materials given.

ii. Rational Cloze

  • This section tests you on grammar. You are advised to read the passage given carefully.
  • Cancel off the options that you consider as definitely wrong. Choose the most suitable word to fill in the blanks in the passage among the 4 options, based on your understanding in grammar.

C. Paper 2 Section B (Information Transfer)

  • Read the materials given carefully. When answering, copy directly from the materials given and avoid using your own words. However, in some cases, you may have to make some changes to suit your answer.
  • Ensure that the spelling in your answer is exactly the same as the spelling in the materials given, otherwise your answer will be considered wrong and no mark will be given.
  • Answers should be short and precise.

D. Paper 2 Section C
i. Reading Comprehension

  • Read the questions and passage given carefully. Answer all questions based on the passage given. When answering, look for answers from the particular paragraph of the passage as stated in the question.
  • If the question asked you for your opinion, you should provide your own answer and do not look for answers from the passage given. Your ideas must be logical and relevant.
  • For this section, you do not need to answer in complete sentence. Do not add in any unnecessary details in your answer or write extra answers. Marks will be deducted.

ii. Summary

  • The question will usually ask you to summarize on 2 topics. Read the question and passage given carefully. Underline the relevant points in the passage that are related to any of the 2 topics.
  • When answering, use relevant points from the passage. Do not take the elaborations or examples. You must begin your answer using the 10 words given in the question.
  • You do not need to write any Introduction or Closing. Try to use your own words by replacing the words in the passage with other words which have the same meaning,
  • You should write a total of 10 points. You are advised to write more points if you summary has no reach the word limit (130 words)
  • You should write in continuous form and not in point form. State the exact number of words below your summary. DO NOT CHEAT. The examiners will count the total number of words in your summary.

E. Poem

  • Read the poem and questions carefully. Answer all questions based on your understanding of the poem.
  • If the question asks for your own opinion, you should answer the question using your own opinion and do not look for answers in the poem. Answers given must be logical and relevant.
  • You do not need to answer in complete sentences. Make sure there in no spelling and grammatical errors.

F. Novel

  • For this section, you will have to elaborate clearly on every point you write. Give suitable examples from the novel. You must answer in complete sentences and not point form, otherwise marks can be deducted. Make sure that the grammar is correct.
  • You can also quote what the characters said in the novel as textual evidence.


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