Banks set to increase interest on car loan

Base on current situation of the economy downfall, several banks are believed to be raising interest rate on car loans and the move will be implemented today. This move is mostly affected Non-national car only. I got it from the star newspaper today, actually I did heard about that when I was in a car dealer shop.

As I understand, a flat rate of about 2.2% to 2.8% is charged on loans for non-national cars although the effective rate over the duration of the loan could be higher. increment that I heard is about 3.75%, it's more than 1%. Base on the purchase price you might need to pay extra RM100 if the loan amount is about RM75000. I think you will be asking why car loans should go up when the base lending rate to which housing loans are tied is on a downtrend. However, car loans are fixed rate loans and not tied to the BLR.

I still cannot find any updates from any bank on their web site, I think information updates system are still slow nowadays as this is a bad news that might affect the business. You might look for nearest bank for more information about this interest increment.

The famous Photoshop and tutorials

I think almost every IT geek know about adobe Photoshop software. For those who are not familiar with it, I can briefly explain about what is adobe Photoshop and what it use for.

Adobe Photoshop is a professional image editing software package that can be used by experts and novices alike. Photographer are get use to it as they use it to edit photo that taken by their camera and show tremendous effect on the photo.

If you are not familiar with the software and hope to understand more about it, more comprehensive guidance can be accessed on the web or in the help menu of your version of Photoshop. I think you can easily get a tutorial from searching thru google.com.

I am kind of addicted with the software and amazed with the functions that build in the software. I think there are lots of picture editing software around for commercial use, but I still prefer photoshop as my choice for photo editing purpose.

Disappointment on some friendship

I think most of the people never serious about friendship in nowadays life. People are talking about money, motif, return and etc. I am kind of people who really serious about friendship and do trust in a person who I think they can be my best friend, or friends to share some life story.

Maybe some of you might think of I am still childish, but I do take friendship seriously. I don’t expect you to share everything with me to be my friend. At least you should not lie to me when telling me something that I am asking. It might ultimately bringing some impact on my decision as I already decided on something base on your convincing say.

Maybe when you face of a situation like me, a friend of you telling you something that make you slap a person who is innocent you know what I am trying to tell you. Or maybe a best friend who betrayed you to invest on a cheat investment units; you will know how I felt.

Toaster oven cannot use for bake cake

I have a toaster oven since move to new home, this is one of the gift that given during my house warming. After a year it keep safely in cabinet, I decided to take out and try to bake some cake because I search online, some people really remarks that toaster oven can use for baking cake.

So, I went to shopping for some cake ingredient and started my cake baking trial. After an hour of preparing I finally get all ingredients mixed and ready to bake. The recipe given is asking me to bake the cake for 40 minutes, but my toaster only have 15 minutes maximum and I adjust to 10 minutes and I start to enjoy my TV show, after a while some smoke come out from the toaster that really shock me. So, first 2 cakes were over baked.

I took it out and put a new one which I think 5 minutes can be enough for the baking timer, but end up the cake is only half baked. So, I made a conclusion that toaster oven cannot be use for cake baking.

silver

There are many type of investment you can invest in nowadays. Gold, shares are famous in the town and unit trust will be safer according to the research, but the return is not so high and period of investment also had to be long.

Do you know that silver bar is also an investment option in town that really can make a good return? Some of the financial analysts believe that silver is one of the world's most important commodities, with unparalleled investment opportunity for the future. Investing in silver is something similar to gold investment.

Maybe you are not familiar with silver, you can search thru the internet for more information before you go for it. Some web site can provide some beginner tips and current price of the silver now.

I made a mistake

As I know any person can make mistake, it can be bad and some are no impact at all. Today I really made a big mistake in my share investment, I sold a share which rose just after I sold it. Damn it, by selling it earlier, I failed to earn RM160 extra. I was thinking of buying other share, as it prompt from my mind this morning.

In order to hold new share, I need to sell some because I have no extra money to hold more. I can’t stop telling myself that I made a terrible mistake as this might not be my first time, but why??

But fortunately I do earn some from this share, I think this is something I can really convince myself not to think about the stupid decision that I made this morning, hope this can be a lesson for me to grow in the future. Sigh~~

Lebron James bring me watch NBA again

Recently I am addicted with NBA games and started to watch back NBA games but only specifically on certain team like Cleveland Cavaliers. This is because they have a player who really plays nice basketball, his name is Lebron James.

I think I was out of NBA news since Micheal Jordan retire from playing basketball, but now this player really make me watch back the interesting NBA games. They called him King James as every game that he played, there will be some interesting action made by him, I first saw him played is when Olympic game.

James is a member of the United States men's national basketball team, winning the bronze medal at the 2004 Olympics and gold at the 2008 Olympics. For people who love basketball but never see him play before can really free your time for him and watch how good he is.

Web hosting choice

For start an online business or maybe start to have a personal web site for your own use, the first step is to choose the correct web hosting. This will be according to the budget that you can spend for a hosting plan.

What make you think about the best web hosting has? I always search around for the solutions online to get the best web hosting plan in town. Recently I got to know one web site that gives free online review about all web hosting online. The web site calls WebhostingChoice. When go thru the web site you can see pointing system is using to judge the web hosting plan ranking.

Back to last week, I was thinking of create a portal for generate some income and I got some useful information from this web site and I registered to the hosting plan according to the recommendation and it actually ranked it correctly and I got a good and cheap hosting plan.

Maybe you are new about web hosting, don’t worry this web site also provide some useful and basic information about web hosting; it can get yourself prepared to build your own portal. I think I do recommend this web site to everyone as this can be a starting point to you for building a portal online.

Some memory

I just checking back my old stuff for cleaning purposes today and I found out from letter I wrote 8 years ago with a girl from my village when she was 14 years old. These letter keep my memory back to the time when I still studying at UKM.

I know this girl when a camp at my hometown and I represent University to having some kind of motivation camp for primary school. I never know them in person as I already out to study at Kedah and later KL.

But however I lost contact with her after I move out from house at my Bandar Baru Bangi to Kajang. Yes, we lost contact and never keep contact again. It was started because of the house moving and some unhappy things that happen to my relationship. 8 years later and today I saw her letter and I don’t’ really know where is she now. Actually back to 2004 I tried to look for her at her house in my hometown but unfortunately their family already moved and no longer stay at my hometown.

I am a person who likes to keep memory and still keep some old belongings that already meet their expiry date. But I still keep it. Something it is good to have memory and these letters will be some good memory for me. I hope can really meet her back one day to see how she is doing now. Or maybe can start to write some mail again.

Geo Challenge in Facebook

Have you ever played Geo challenge in Facebook? I think this is quite a interesting game in Facebook and recently addicted to it. It also trains me for better understanding of the world geography.

The game tests your knowledge on four different things: Flags, country name, city location and landmark location. As I am not very good in geography and some of the places in the game really tested me and make me do some research about those places. This game really improves my knowledge about countries in the world. I do recommend to my friend and hope you enjoy too.

How to start playing? If you have facebook account simply search "Geo Challenge" in the facebook search box and your first result will be the Geo Challenge app where you will see that there are more than 4 million active monthly users. You can start to enjoy it after join the application. If you don’t have facebook account, just open one and enjoy some interesting game now.