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Emel kepada My_Cambridge@yahoo.com , Khidmat yang diperlukan dibawah?:

- Transkrip Tukar Audio/Video > Text/Subtitle
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- Terjemahan English - Melayu (Abstrak, Jurnal, Sijil, etc)
   
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2. Kelas English Dewasa / Tuisyen MUET (2 bulan)

Terbuka untuk 16 tahun - 65 tahun. Belajar Speaking dan Writing. Fokus kepada kelemahan pelajar atau tujuan spesifik seperti Kerja / Bisnes / Berhijrah / Tuisyen MUET & iELTS.

 

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>> Daftar Kelas English <<

 

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Belajar cara mengunakan Trading Platform, memahami lot & dividend, Teknikal dan Fundamental analisis, Warrant & Global Trading.

 

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2. Palmyra Residence @ UKM

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>> Daftar Kursus Saham <<

1/17/2012

Download MyMoneyandShopping

Click Here to Download MyMoneyandShopping



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Saving Money and Shopping Online

By Darius Maslow
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Today's society loves to shop online. Who can blame them though? Shopping online is both easy and convenient. However, if you find a need to be frugal, there are some tips that will help you do so here as well.

Use Mr. Rebates

Mr. Rebates is an online shopping portal. You simply log into their website and you can shop at lots of sites like ebay, Overstock, Wal-Mart, Target or Home Shopping Network. By shopping in this manner you will be able to receive as much as 35% cash back. This cash back amount can fluctuate though, with it being at its highest throughout the holiday season. You really don't have anything to lose since this website is free to use.

Using Bing.com To Shop On eBay And Save Money

MSN's new Search Engine, Bing.com, comes with its own shopping portal, which is also completely free for you to use. You can search through Bing.com to find whatever it is you want to buy. Try using different word combinations until eBay comes up as one of the search results. (This is important since eBay is also on Mr. Rebates.) You will see a small gold money logo next to it that tells you how much cash back you will be able to earn. Now click on this link to eBay and you should see this same icon in the middle of the top of the page on eBay. Log back into Mr. Rebates and open a new eBay page through there. Close your first eBay page so that you don't get confused. You will see this same icon again. Usually you will be able to earn around 8% from Bing.com and an additional 3% from Mr. Rebates. This means that by using both of these websites you will be able to earn around 11%. You will need to use the "Buy It Now" option in order to make money from Bing.com though. Unfortunately, shipping costs are not a part of the cash back that you receive so try to only purchase items that offer free shipping.


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Answers To Money And Shopping Questions While Cruising Europe

By Mary Hanna
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Money matters can be confusing when traveling but maybe this article will help you out. We always take lots of single and five dollar bills with us on every cruise. They come in handy for taxis, tips for tour guides, tips for the staff, and little souvenirs at craft shops. They are handy if you run across a bartender on the ship that is really treating you well.

Europe has now changed to the Euro in many countries making it easier to travel from country to country. The countries that are now using that currency are: Austria, Belgium, Finland, France, Germany, Greece, Holland, Ireland, Italy, Luxembourg, Portugal, Spain, Andorra, Monaco, San Marino, The Vatican, Martinique, Guadalupe, Montenegro, and Kosovo.

Thanks to the miracle of the ATM machine, it is now easier that ever to get money in foreign countries. Use your ATM card in the machine to get the appropriate amount of money for the days you will be in each country. This eliminates carrying lots of Traveler's Checks but take a few in case of emergencies. Never carry big wads of money no matter where you travel. It makes you an instant target.

Always keep in mind that you will be unable to reconvert coins so spend them liberally. It will be necessary to know the exchange rate so you can figure out how much you will need. If you are doing a cruise in the British Isles you may make three stops in Ireland so plan for three days of the local currency if you don't want to keep finding an ATM machine.

If you are cruising around the Caribbean, every merchant takes dollars and credit cards, I recommend using Credit Cards. If you don't use the above suggestion about using the ATM's the ship will provide a service to change dollars into Euros or any other currency necessary. You should have some of the local money for buying small items such as soft drinks or a snacks, tips or local craft items. Any other purchases should be charged to your credit card because this protects you if there is something wrong with the item or it is not what it is purported to be.

The very best way to find out where the good shopping is, ask the crew. Some of the shops actually "sponsor" the cruise lines shopping lectures. The cruise lines will receive a commission from the stores they recommend. It's a great big commercial to a captured audience, but if there is a problem the cruise lines will stick to their policy and get you a refund. So it's a matter of comfort level, go on your own if you think you are savvy enough or go with the cruise lines recommendation to be safe.

The days at sea the cruise the ship's boutiques will have "sales" so wait until then to see if what you want has been reduced.

If you know what you want to buy when you are cruising, check out the costs at home before you go, including the discount stores. Sometimes you can get a better deal at home with the comfort of knowing it's returnable if it is defective.

If you buy perfume open the sealed box before you leave port to make sure the perfume has not evaporated. At one of the islands we visited I purchased some perfume and just out of curiosity opened it when we returned to the ship. The seal was still it tact but the bottle was three quarters empty. Since we were still in port I was able to return it to the store for another bottle.

I'd like to add just a word on traveling to different ports everyday and credit cards. When we were traveling in Europe I purchased several things in different ports on different days. By the third day the credit card company would no longer honor my card because they were suspicious of theft. For that reason, I always carry two credit cards and make sure both companies know I will be traveling extensively. This is a very good tip to know.

Follow this money and shopping advice and you should get along fine no matter which country you visit. Happy Cruising.

Copyright © 2006 Mary Hanna All Rights Reserved.

This article may be distributed freely on your website and in your ezines, as long as this entire article, copyright notice, links and the resource box are unchanged.


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Save Money On Shopping - Is This Really Possible?

By Jeff Schuman
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Expert Author Jeff Schuman

These days, shopping is something that everyone needs to do for many items. This can be very expensive, unless you take time to learn how you can save money on shopping.

There are many ways you can easily save money when you shop online for anything. You just need to know the ways that you can use to start easily saving as much money as you can.

The following are the best ways anyone can use these days to save quite a bit of money on anything you may purchase on the internet.

One: Coupons - There are always coupons being offered by many companies online. You may need to take some time to find these coupons, but it will be worth the time spent finding them when you are able to save money on the items you purchase.

Two: Discounts - These days you can always locate companies that are offering discounts. Again, it may take time to find these, but it will be time well spent.

Three: Discount shopping app - These days, you can easily find a discount shopping app that will help you locate any item that you need for a discounted price. The best one to use is the app that is free for you to use.

You can even locate an app that will help you save as much money as possible on any item you need to purchase online, but it will also help you make money. All you will have to do to earn money is to give away the free app.

There are not many of these apps available yet, but eventually you will find them all over the place. Right now, you want to find one that benefits you with saving money and also gives you a way to make money, if you choose to.

Four: Discount stores online - There are places online that are setup to offer you nothing, but discount prices on different items. Just be careful when using any of these sites to ensure that you will still get a quality product for the discounted price that is being offered.

You can find many of these sites on the internet, but take time to carefully research them before using them so you don't get ripped off.

The best way out of all of these to use is the free app because it will allow you to save the most money possible on every item you need to buy.

These are the best ways that anyone can use to save money. Now that you understand that anyone really can save money on shopping and how to do it; all that is left is to get started. Use these ways and soon you will find that you are saving a lot of money on majority of the things you purchase.


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What to Do to Save Money When Shopping Online

By Gary McGeown
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Expert Author Gary McGeown

With the popularity of the internet, a lot of websites can make you believe that they have the best offers to give. The truth is that they really hand out their best offers; it is just that there is always the best bidder somewhere.

Online shopping is quite a thrilling trend. Unlike when shopping in person, canvassing for a specific product online is more convenient since the internet is the fastest and easiest means to shop at the moment. It may seem as though wherever you set your eyes on, the internet is such a wide playground offering a variety of websites where you can launch a search right here and there. From being just a mode of communication, it has now advanced, linking both social and business worlds. Online retailers, as well as online shoppers, are everywhere.

Talking about online shopping, you probably would want to know how to find the lowest prices on the internet. Saving is the best thing you can do to save yourself from over spending. Moreover, it is a wise thing you can do for your piggy bank.

Have you ever regretted the day when you purchased a particular product and then the next day you found out that there a similar product is offered at a much lower price in another website? Many have experienced such incident. This can really be frustrating.

In order to get the best offer and have no regrets in the end, you have to be certain that you're able to land on several websites that allow you to compare the products that you need. Becoming acquainted with comparison shopping websites will be very helpful to every online shopper who wishes to get the ultimate lowest price on almost everything.

After which, you can also search for discounts offered online. It will be such a treat to find one since everybody loves discounts. Simply put, grab discount offers so you can save money and get the most out of your dollar.

Moreover, you are also advised to monitor prices so that you will be updated of current product changes, if there is any. You can use a price watch tool for this purpose.

Save Money Shopping Online

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How To Save Money Grocery Shopping

By Ann Cohen
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Expert Author Ann Cohen

With the rise of inflation and the cost of gas, we are all looking to save money on the every day items of life. Have you noticed the cost of Groceries lately? It seems that everyone is spending more these days. There are lots of ways to save money at home by making small changes. These tips can help you save money on groceries. Saving Money Grocery Shopping is more than clipping coupons.

Do not shop on an empty stomach. Shopping hungry will only increase your impulse buying.
Do not shop while you are cold. Being cold will make you hungry.
Use a list. Buy only the items on the list and nothing else. Avoid things that "catch" your eye.
Sale Items Are they really on sale? Sale items are placed at the end of the aisles to "catch" your eye. Know your prices. Use coupons in conjunction with sales items.
Check Your Receipt Or watch as the Cashier rings up your order. Make sure that you get the correct price for your sale or free items.
Use a Frequent Shopper Card. Almost all grocery stores now offer a VIP type card. Use it and accumulate your points for special offers or free grocery products.
Avoid Pre-Made purchases Pre-Made products cost more and you are better off making them yourself.
Buying in Bulk used to be less expensive, check the price. Sometimes it less expensive to buy the smaller box or single items, such as dog food.
Know your Prices If you know your prices, you will easily be able to spot a "deal". If an item is on sale, stock up on it, but don't overspend. Do local grocery stores offer their circulars online? Check before you shop, so you know which store has what on sale.
Grocery stores are set up to attract you to the more expensive items. Look for the sales and the best priced items, sometimes they are not within your reach. You have to look for them on the lower shelves.
Buy Generic Buying store brands for flour, sugar, etc can be an added savings for you.

Do you want to save 40-70% on Groceries?


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What to Do to Save Money When Shopping Online

By Gary McGeown
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Buffet Coupons Find Great Buffet Deals In Malaysia With Huge Discounts. Visit Us Now! www.streetdeal.my
Expert Author Gary McGeown

With the popularity of the internet, a lot of websites can make you believe that they have the best offers to give. The truth is that they really hand out their best offers; it is just that there is always the best bidder somewhere.

Online shopping is quite a thrilling trend. Unlike when shopping in person, canvassing for a specific product online is more convenient since the internet is the fastest and easiest means to shop at the moment. It may seem as though wherever you set your eyes on, the internet is such a wide playground offering a variety of websites where you can launch a search right here and there. From being just a mode of communication, it has now advanced, linking both social and business worlds. Online retailers, as well as online shoppers, are everywhere.

Talking about online shopping, you probably would want to know how to find the lowest prices on the internet. Saving is the best thing you can do to save yourself from over spending. Moreover, it is a wise thing you can do for your piggy bank.

Have you ever regretted the day when you purchased a particular product and then the next day you found out that there a similar product is offered at a much lower price in another website? Many have experienced such incident. This can really be frustrating.

In order to get the best offer and have no regrets in the end, you have to be certain that you're able to land on several websites that allow you to compare the products that you need. Becoming acquainted with comparison shopping websites will be very helpful to every online shopper who wishes to get the ultimate lowest price on almost everything.

After which, you can also search for discounts offered online. It will be such a treat to find one since everybody loves discounts. Simply put, grab discount offers so you can save money and get the most out of your dollar.

Moreover, you are also advised to monitor prices so that you will be updated of current product changes, if there is any. You can use a price watch tool for this purpose.

Save Money Shopping Online

///////////////////////////

How To Save Money Grocery Shopping

By Ann Cohen
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Expert Author Ann Cohen

With the rise of inflation and the cost of gas, we are all looking to save money on the every day items of life. Have you noticed the cost of Groceries lately? It seems that everyone is spending more these days. There are lots of ways to save money at home by making small changes. These tips can help you save money on groceries. Saving Money Grocery Shopping is more than clipping coupons.

Do not shop on an empty stomach. Shopping hungry will only increase your impulse buying.
Do not shop while you are cold. Being cold will make you hungry.
Use a list. Buy only the items on the list and nothing else. Avoid things that "catch" your eye.
Sale Items Are they really on sale? Sale items are placed at the end of the aisles to "catch" your eye. Know your prices. Use coupons in conjunction with sales items.
Check Your Receipt Or watch as the Cashier rings up your order. Make sure that you get the correct price for your sale or free items.
Use a Frequent Shopper Card. Almost all grocery stores now offer a VIP type card. Use it and accumulate your points for special offers or free grocery products.
Avoid Pre-Made purchases Pre-Made products cost more and you are better off making them yourself.
Buying in Bulk used to be less expensive, check the price. Sometimes it less expensive to buy the smaller box or single items, such as dog food.
Know your Prices If you know your prices, you will easily be able to spot a "deal". If an item is on sale, stock up on it, but don't overspend. Do local grocery stores offer their circulars online? Check before you shop, so you know which store has what on sale.
Grocery stores are set up to attract you to the more expensive items. Look for the sales and the best priced items, sometimes they are not within your reach. You have to look for them on the lower shelves.
Buy Generic Buying store brands for flour, sugar, etc can be an added savings for you.

Do you want to save 40-70% on Groceries?

///////////////////////////

Tips to Save Money Grocery Shopping

By Bart Rutherford Co-Author: Pat Rutherford
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Expert Author Bart Rutherford

There are not many people who enjoy shopping for groceries. Sadly, it's one of those chores that we just can't ignore. There's no guarantee that you will find shopping any more enjoyable but with some tips showing you how to save money grocery shopping, you'll at least find it less onerous on your wallet.

1. The number one tip for saving money at the supermarket is to not shop while you are hungry. Have a good meal or at least a satisfying snack before you head out, or you can easily find yourself coming home with a trunk full of microwave meals and junk food.

2. Prior to food shopping write out what you need for the week. Building a shopping list gives you an attack plan for getting in and out of the supermarket as quickly as possible. Sticking to that list will also help you avoid impulse buys as well.

3. Now that you know what you need, look through all those flyers that get sent to you. See who's got the stuff you need on sale. You can also start looking for the things that you want, but aren't essential. Some people will go around and hit all of the sales, but this can be a waste unless you can afford to buy in bulk and have the space to store your purchases at home.

4. Unless you are a die-hard fan of only certain brands or stores, don't limit yourself to only one supermarket or store. Use the flyers or online ads and decide which store is going to best meet your needs and budget for a given week. That is the store you should shop at. Keep in mind that it can be a balancing act, maybe the meat prices are fabulous, but the milk prices are slightly higher than your usual store. Sacrificing a few cents to save a few dollars is well worth the effort. Doing things this way, you'll find that you are able to make your budget stretch a little further than it would otherwise.

5. Buy the no name or store brand versions of products. There really is no difference, since they are made in the same factories, using the same recipes as the national brands. There seems to be a misconception that store brands are cheaper because they are made more poorly, but the truth is that they are less expensive due to a much smaller, if any, advertising budget and less fancy packaging.

6. You can easily save money by buying in bulk. When a good sale comes up for canned goods, stock up. This can let you cut an expense off of your weekly grocery bill for a month or two, depending on your supply and consumption. Buy things like flour and spices in bulk and then seal them in airtight containers until you need to use them. Remember that most of the cost with these products is in the packaging, so buying larger sized items and breaking those down into regular sized portions at home can save you a bundle.


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Make Money Mystery Shopping - Too Good to Be True?

By B. Bishop
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Expert Author B. Bishop

Has anyone asked you how someone can make money mystery shopping? You attempt a reply but you admit to yourself you do not even know what it is. But the name is definitely intriguing. Mystery shopping. Is it buying something without knowing what it is? Or is it buying a mystery novel? Whatever it is, it is something worth looking into, especially if you can make money mystery shopping.

"Mystery shopping" is a research tool used by companies selling products or offering services to find out how satisfied their customers are after purchasing their product or availing of their services. The tool is also used to gain an objective insight into the customer's complete experience when engaging in business with a specific company. But how is mystery shopping exactly done? And more importantly, how can you make money mystery shopping?

Businesses often enlist the help of companies offering mystery shopping services to get feedback on the products or services they are selling. These mystery shopping companies, in turn, employ people to do the research. These researchers, or "mystery shoppers" or "mystery consumers" go to stores, establishments, or sometimes even online retail websites to conduct business with them. The "mystery consumers" then answer a series of questions designed to measure their level of satisfaction on the product or service availed, including their entire experience when engaging in business with the retail or service outlet. These feedbacks is then returned to the business owner in the form of a report, who will then use the report as a guide in designing their marketing campaigns, or sometimes use the report to gauge the performance of their sales personnel and other employees.

Testimonials from mystery shoppers, especially online mystery shoppers, abound as to how fun, exciting and lucrative the job is. For shopaholics like myself, getting paid to go shopping is heaven. Imagine having your cake and eating it too, with someone else paying for the cake, and you getting paid for eating it. In addition, you are in charge of your own time. You can work anytime you want, any day you feel like it. But can this be for real? It is often told that if something sounds too good to be true, it probably is.

Stories from some mystery shoppers have recently sprung up, saying that it is not as fun and lucrative as some mystery shopping companies claim it to be. Sometimes, the shoppers are given assignments they are not really into, for example, doing research in a tattoo parlor for someone who is totally not into it. In addition, assignments are not that frequent. And since you get paid only upon completion of a report, you might not get paid for long periods of time, especially if your assignment entails the ordering of products online and waiting for the product to be delivered.

So if you ask me if one can make money mystery shopping, I will say yes, but it is not worth the effort. If you are looking to make a quick and easy buck, there are other alternatives for you. An example would be "affiliate marketing" over the internet, where all you need is internet access and a little time initially, and soon you can make money on your spare time without lifting a finger.

Everyday, thousands of people go online looking for make money mystery shopping. They search and spend their valuable time only to be introduced to one scam after another. Did you know that more than 83% of work at home opportunities are scams? And that number continues to grow everyday. Scam artists are more than happy to divorce you of your hard earned money and leave you nothing to show for it. Don't fall for scams. There are legitimate online jobs, like affiliate marketing, that anyone can do to make money online.

Affiliate marketing is great for stay at home moms, people who have recently lost their jobs, aren't happy at their current job, retired, disabled, or if you just want to make some extra money to supplement your current income.

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Saving Money Holiday Shopping

By Katina Bush
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It's that time of the year! I love the Holidays. I also love to save money, and during these times, I think almost everyone wants to save money. There are many ways to save money when it comes to gift shopping. Here are some ways you can save money:

1) BUDGET: I highly suggest setting a budget. I have made the mistake of not setting a budget and not planning my shopping in the past. The end result: Spending way more money than I wanted to spend. Make a list and stick to it. Set that budget and stick to it.

2) USE THE WEB: Shopping online is also a great way to save money. You can find coupon codes for most of your purchases. Sites like Keycode, Mommy Saves Big, and Retail Me Not are great resources for coupon codes.

3) CASHBACK: Sites like Ebates, and Fat Wallet offer cashbask on your online purchases. You must sign up with these sites and shop through their site to get cashback. You can shop at many big name stores like, Target, Ebay, Buy.com, etc.

4) You can make gift baskets with stuff you get for free or close to free. There are many great deals out there and great coupons. I always list the great deals I find, as well as freebies. Make a gift basket or gift box filled with goodies, and give it to someone as a gift.

5) SWAGBUCKS: I love swagbucks! You earn swagbucks for searching the web. You can redeem your swagbucks for cool prizes, gift cards, and more. Their are many ways to earn swagbucks. Searching the web on their site is one way. Another way is through shopping. You sign up with swagbucks and shop through their site and you will earn swagbucks. You can shop at sites like Walmart, iTunes, Macy's, and more. Visit Swagbucks for details.

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