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Nowadays hard disk are getting cheaper by the day that is why if you want to build your own desktop, it is better to get at least 1tb hard drive . This is because with medias coming in the HD form, this will takes up a big chunk the the hard disk drive

Most of the people has at least Buy Life Insurance to protect themselves and to provide coverage to their family members. The basis of insurance is "guarantee against loss" and the concept first started way back in Babylonian times. Way back the Babylonian times which is around 2100 B.C., the Code of Hammurabi was the first basic insurance policy. This policy was paid by the traders in the form of a loan to guarantee the safe arrival of their goods by caravan. Of course, caravans faced the same kind of perils our transportation industry faces today – like robbery, bad weather and breakdowns. As history progressed, the needs for insurance increased. The Phoenicians and the Greeks wanted the same type of insurance with their seaborne commerce. The Romans were the first to have burial insurance – people joined burial clubs which paid funeral expenses to surviving family members. In medieval times, the guilds protected their members from loss by fire and shipwreck, paid ransoms ...

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Credit cards as we all know is one of the payment method that we can use when we pay for goods and services. The issuer of the card creates a revolving account and grants a line of credit to the consumer (or the user) from which the user can borrow money for payment to a merchant or as a cash advance to the user. As discussed earlier in Credit Card - Friend or Foe (Part 1) and Credit Card - Friend or Foe (Part 2) , credit cards are like fire or water whereby when it is used under our control, it can be friend and if we lose control of it, it will become nightmare which could be fatal. There are many people who lose control of the credit card usage ended up going to the pit of debt and needed a lot of financial assistance from many different sides. Let us discuss about the advantages of using credit cards. The first advantage of using credit cards is you do not have to bring along a lot of cash when you go shopping or dining outside. This is indeed very apparent advantage that the cre...

I read a newspaper article in The Sun regarding the lack of financial literacy among the Malaysians. The survey done by MoneyTree (M) Sdn Bhd shows that many Malaysians are not financially savvy and have no retirement plan or know how to manage their finances. This does not come in surprise to me as I have come across some people who has no knowledge on this subject. However, financial literacy is an important aspect of life and with the knowledge on how to manage the personal finance properly, one can actually plans out his or her own retirement plan. To gain more knowledge in financial, one need not have to be a Degree holder or a financial analysts - as a matter of fact, reading materials on financial management can educate one in this aspect. Magazines like Personal Money or even Reader's Digest will have more than sufficient information on the basic financial knowledge that one will ever needs. Let us not talk about investment first, as to be financially savvy not necessary me...