The Securities Commission Malaysia (SC), Bank Negara Malaysia and Bursa Malaysia recently introduced the Electronic Share Payment facility (e-share) for share transactions.
e-Share Payment is a service provided by all stockbrokers to pay the share sales proceeds directly into your bank account as well as providing an option for you to initiate payment for share purchases via electronic fund transfers. e-Share Payment eliminates the need to bank-in the cheques received from the sale of shares and also enable you to make online payments anytime from the comfort of your home.
Similar to eDividend launched in April this year, one of the main objectives of implementing e-Share Payment is to promote greater efficiency of the payment system which is aligned to the national agenda of migrating to electronic payment.
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If you want to save money, do not just apply common practices in managing money, but instead, make your imagination work and think of new yet effective ways.
– Make it a habit to make a single withdrawal transaction from only one of your ATMs per week. This should include paying your credit card or utility bills ahead of due date in order for you to avoid penalties.
– Below are several ways to help you save money. These are simple ways and there’s no reason why you can’t apply it in your own finances.
– List down all your weekly expenses and reconcile them with your weekly budget. This will allow you to see if you overspent or if you have savings. It is important that you do not spend your entire allowance just in case an unforeseen event happens. This will, likewise, show you in what categories you should you lessen your expenses.
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Marketers have researched consumers and their buying habits. Being aware of their strategies can help you become a smart shopper. Here’s what you should know so that you can save money the next time you make a trip to the supermarket:
– You shouldn’t assume things that are displayed at the ends of the shelf are on sale. They’re prime real estate in a store. And even if they are displayed as a bargain, it is likely the prices are still too high. Look for things at the middle of the aisle.
– Things that are placed at the lower part of the shelf are usually cheaper. More expensive brands usually invest on better placement. However, in kids sections, the prime real estate is lower on the shelves where those little eyes may see them quickly.
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Many credit card users want to get higher credit card limit. It allows them to purchase otherwise unaffordable items. First of all, consumers need to understand that getting a higher credit card limit, mean that they need to abide by the agreement issued by the credit card company.
These are seven tips toward getting higher credit card limit:
- The most important step in getting higher limit is by proving that you are creditworthy. This is often the first thing that companies and banks see when reviewing an application for higher credit limit.
- Spend near the card limit. Doing so conveys to your lender that you need higher limit and are capable of managing your expenses.
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Credit cards are wonderful additions to any vacation, particularly when traveling abroad. They offer excellent exchange rates and safer than carrying around wads of cash. Additionally, you don’t need to waste too much time dealing with travelers checks.
Some merchants may politely ask if you want to convert your transaction into U.S. dollars. Pleased at their thoughtfulness, you could immediately agree because it is easier to work with a familiar currency.
However, upon returning home you discover that you’re subjected to a 10-percent mark-up on your purchases. That extra $12 is probably caused by unforeseen fees.
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