I blog about personal finance especially from a Malaysian's point of view. Visit my blog for money tips. KCLau's Money Tips http://www.squidoo.com/lensmasters/kclau Fri, 25 May 2012 20:17:55 -0600 FeedCreator 1.7.2 http://www.squidoo.com/birthdaymessage We can send expensive birthday gifts. But what matters the most is the personalized birthday message! All you have to do is spend your precious time to think of the best and influential personalized message. You can find some help here. education Sun, 04 Jul 2010 02:02:27 -0600 http://www.squidoo.com/jazz-transcription This lense is going to be the ultimate collection of jazz music transcription. music Fri, 02 Apr 2010 11:09:01 -0600 http://www.squidoo.com/bandinabox I am talking about Band in a BOX. I love it because it takes only a fraction of the usual time I take to do a full musical arrangement. I hate it because others who are musical dummies can now do what I take years to master. A grandpa who can't play any music, creates professional arrangement with this program! music Fri, 02 Jul 2010 11:49:20 -0600 http://www.squidoo.com/roland-ax-7-keytar-keyboard-midi-review-resources-videos The Roland AX-7 is a professional keytar that was manufactured by Roland Corporation from 2001 to 2007. This modern instrument contains many more advanced features than early keytars such as its predecessor, the Roland AX-1, and the the Yamaha SHS-10. It runs on 6 AA batteries or an external power source. It has a 45 velocity sensitive keys (without aftertouch), and a 3-character LED display. Several features aimed towards stage performance are present, such as a pitch bend ribbon, touchpad-like expression bar, sustain switch, and volume control knob, all on the upper neck of the instrument. There is a also a proprietary "D-Beam" interface, made up of infrared sensors that detect nearby motion. computers-and-electronics Thu, 17 Jan 2008 02:10:41 -0600 http://www.squidoo.com/everything-about-unit-trust-in-malaysia Below you will find some information about unit trust investment in Malaysia education Tue, 13 Jul 2010 11:14:37 -0600 http://www.squidoo.com/bear-market-money Making money in stock investment does not talk about knowledge only. Investing in the world highest level money game without knowledge is a blind gamblng; whereas investing only with knowledge is a risky investment. There is actually a cyclical trend in stock market and no one should try to work againts that. This article is provided by HunMeng, a professional unit trust consultant in Penang. education Thu, 02 Dec 2010 04:30:12 -0600 http://www.squidoo.com/make-money-smart-investing In any investment instrument, knowledge is important to make sure we are not investing blindly and thus minimizing our risk. According to 'Personal Investing', in general there are 4 main factors which impact our investment return; Asset allocation, market timing, individual stock selection and cost. You will be surprise that 93.6% of average total portfolio returns were attributable to asset allocation. This article is contributed by HunMeng, a professional unit trust consultant from Penang. education Fri, 03 Dec 2010 03:26:36 -0600 http://www.squidoo.com/compute-KWSP-account-amount-fund Every employee in Malaysia is compulsory to contribute 11% of his/her salary into EPF account. Employer will match your contribution by 12-19% education Sun, 27 Jan 2008 01:21:57 -0600 http://www.squidoo.com/Rob-Papen-Predator-Software-Synthesizer-Reviews-Photos-downloads Predator is a "phat sounding" killer synthesizer that combines inspiring presets and first-class features to make this your 'go-to' synth for contemporary music production. The user interface has been designed so that almost all controls are visible on screen, making it fun and incredibly easy-to-use. And if you're unsure about a particular synth function, simply right click your mouse to access the help screen. computers-and-electronics Thu, 26 Apr 2012 16:53:59 -0600 http://www.squidoo.com/home-loan-refinancing-malaysia-benefits-savings This is a very simple concept and practise to always refinance your home loan for better package when it is available. In Malaysia, foreign banks are moving in and you should expect more and more competitive mortgage offer available to you. Banks only make profit after a few years you pay the installment because they need to recoup the acquisition cost at initlal years. You will find all the relevant resources and articles about mortgage refinancing in Malaysia  business-and-work Fri, 02 Nov 2007 14:50:17 -0600 http://www.squidoo.com/kurzweil-pc1x-88-keys-preformance-controller-keyboard-reviews-features-videos-downloads In their advertisement in Keyboard Magazine, Kurzweil claims that PC1X is equivalent to over 20  world class VST instrument, World class dual processsor FX, 100's of sounds, split layer, 4 zones, programmable controllers. It only takes 3 seconds to power up. Is the PC1X really that great?  computers-and-electronics Fri, 06 Jul 2007 10:06:59 -0600 http://www.squidoo.com/taxsavingsinmalaysia Learn how you can reduce your income tax expenditure education Tue, 20 Apr 2010 22:36:02 -0600 http://www.squidoo.com/life-insurance-company-malaysia-resources-reviews-products To check the financial statement, financial report, and life insurance companies financial status and balance sheet, please download Insurance Report dated year 2005 published by Bank Negara Malaysia. BNM also publishes many reports on this page, including takaful report. At the time of writing, BNM only published the insurance report for year 2005 only. You should check on the page above to find out whether BNM had published the latest report.   As updated in year 2005, the balance sheet shows the 16 life insurance companies in Malaysia: business-and-work Sun, 13 Jan 2008 19:28:19 -0600 http://www.squidoo.com/Steinberg-Sequel-Audio-Midi-Recording-Software-Reviews-Videos-Downloads-Features-Forum Steinberg Sequel is an affordable and easy-to-use music studio designed for first-time computer music enthusiasts. Combining intuitive tools to record, edit, mix and perform music with great-sounding loops, instruments and effects, Sequel is the perfect first step into music production and performance. Sequel runs on both PCs and Macs and comes with a massive library of more than 5000 loops, over 600 of ready-to-play instrument sounds, stunning effects and the same state-of-the-art audio engine that is preferred by many world-class producers all around the globe. It’s never been more fun to create music on a computer! computers-and-electronics Thu, 26 Apr 2012 16:54:58 -0600 http://www.squidoo.com/investing-in-foreign-currency Here is a rundown on whether it is wise to put your money in foreign accounts education Fri, 02 Jul 2010 11:11:47 -0600 http://www.squidoo.com/calcutating-the-actual-effective-annual-return Learn how to calculate the amount of EAR or effective annual rate that you will get from when you deposit your money in fixed deposit. education Wed, 02 Jun 2010 10:10:43 -0600 http://www.squidoo.com/make-money-blogging-Malaysia Yes! You can definitely make money from a blog. To make a little money, it is not hard. But to make a lot of money just by blogging, you will need more knowledge than you think. I own several blogs and I do make some money from them. But none of my blogs talk about making money online. Since there are a lot of inquiry about the method to make money online, asked by fellow Malaysians, I am going to write a series of lens and articles here at Squidoo. This will be the intro Lens and will also be the compilation of all the lens about making money blogging in Malaysia that I created, and will create in the future. business-and-work Mon, 13 Apr 2009 03:53:03 -0600 http://www.squidoo.com/johor-property Johor is a booming state in Malaysia, just next to Singapore. travel-and-places Tue, 13 Oct 2009 02:13:18 -0600 http://www.squidoo.com/unit-trust-investment-malaysia-products-fund-reviews You will find some unit trust articles and resources in this lens. business-and-work Sun, 25 Nov 2007 12:31:35 -0600 http://www.squidoo.com/cakewalk-sonar-6-video-tutorial Here, I've compiled a list of video tutorial about using Cakewalk Sonar 6. SONAR 6 Producer Edition is the definitive choice for music creation and audio production, designed to take you from inspiration to masterpiece faster than ever before. At every step of your production—from composing with virtual instruments, to recording, mixing, and beyond—SONAR gives you the professional tools and inspiring canvas that adapt to your unique style of music creation. Change the way you work with instruments forever through SONAR 6’s innovative new Active Controller Technologyâ„¢ (ACT). Tighten up your entire band with the revolutionary new AudioSnapâ„¢ feature set. And sound better than ever with the new VC-64 Vintage Channelâ„¢ and SONAR’s industry-leading 64-bit double precision mix engine. Fast-forward your music production today with the unmatched music creation tools and sonic clarity of SONAR 6 Producer Edition. education Fri, 15 Feb 2008 21:37:00 -0600 http://www.squidoo.com/jazzpianist music Tue, 20 Mar 2007 10:20:10 -0600 http://www.squidoo.com/cakewalk-studio-instrument-reviews-features-resources Cakewalk Studio Instruments is all you need to turn your computer into a Drum Set, Bass Guitar, Electric Piano, or String Section—plus you can also use these high quality virtual instruments in your favorite recording software. music Tue, 10 Jul 2007 03:52:58 -0600 http://www.squidoo.com/ken-hirai-music-videos-mv-album This page compile all music video and live performance of Ken Hirai entertainment Wed, 27 Feb 2008 04:40:00 -0600 http://www.squidoo.com/learning-about-bankruptcy Learn more about what it means to become a bankrupt education Thu, 01 Jul 2010 01:28:50 -0600 http://www.squidoo.com/sting-album-discography-download-concert-ticket-lyrics Sting is known as a musical genius who got the Grammy award year after year. You will find all his album and music he created in this page music Wed, 25 Jul 2007 05:29:56 -0600 http://www.squidoo.com/yamaha-ez-200-keyboard-lighted-keys-features-resources-reviews EZ-200 is a 61-key touch sensitive keyboard with lighted keys that make it easier to learn to play. 375 high quality instrument voices provide a choice of different sounds with 100 accompaniment styles. The Yamaha Education Suite feature makes learning and practicing music more fun than ever before. Simply follow the lights to learn to play along with any of 100 built-in songs. computers-and-electronics Thu, 03 Jan 2008 11:03:02 -0600 http://www.squidoo.com/equity-shares-stock-money-market Find out the definitions of shares, equity, stock and money market in layman terms education Fri, 02 Jul 2010 11:10:17 -0600 http://www.squidoo.com/elvis-presley-piano-auction-reviews-price-ebay From Elvis Presley's music room in Graceland, serial #70545, and refinished to Elvis' personal specifications under his direct supervision in white with gold highlighted trim; together with a piano bench, the white vinyl covered cushion on gold colored metal legs.  Together with certificate of authenticity from Jack Marshall, Ron Blackwood, George Klein, Ted Sturges, and C B Colthard. Elvis Presley bought this piano as part of his original furnishings of Graceland.  He kept it in the music room at Graceland for twelve years (and it was only replaced when Priscilla gave him a gold leafed piano for their anniversary), between 1957 and 1969 the piano became one of Elvis' most loved personal musical instruments. music Wed, 15 Aug 2007 07:06:38 -0600 http://www.squidoo.com/yamaha-MM8 For those who love the Yamaha MM6, you're going to love MM8!!! music Tue, 03 Nov 2009 01:20:58 -0600 http://www.squidoo.com/become-a-billionaire The following guides you on how to become a billionaire. education Fri, 02 Jul 2010 11:11:08 -0600 http://www.squidoo.com/bose-l1 The L1 Compact system combines PA and monitors into one system, and using Bose® Spatial Dispersion system technology. A single L1 Compact system can deliver balanced sound to everyone on stage and in the audience. It packs up easily, so it can go from car to stage in one trip, and it sets up in under a minute. There are no speaker wires to connect, no stands, no heavy loudspeakers. music Thu, 15 Jul 2010 10:42:59 -0600 http://www.squidoo.com/books-wells This page contains all books written by Herbert George Wells. Including: Best Science Fiction Stories The Conquest of Time The Country of the Blind and Other Stories First Men in the Moon The H.G. Wells Reader H.G. Wells: Thirty Strange Stories The Invisible Man The Island of Doctor Moreau Modern Utopia The New MacHiavelli Selected Short Stories The Strange Orchid The Time Machine The War of the Worlds When the Sleeper Wakes Ann Veronica Best Science Fiction Stories of H.G. Wells Christina Alberta's Father The Correspondence of H.G. Wells Crux Ansata : An Indictment of the Roman Catholic Church The Dream Fate of Man : An Unemotional Statement of the Things That Are Happening to Him Now, and of the Immediate Possibilities Confronting Him The Favorite Short Stories of H. G. Wells. Food of the Gods Future in America : Foreign Travelers in America 1810-1935 History of Mr Polly In the Days of the Comet Kipps : The Story of a Simple Soul Love and Mr Lewisham : The Story of a Very Young Couple The Man With a Nose : And Other Uncollected Short Stories of H.G. Wells; The Passionate Friends; Russia in the Shadows; The Sea Lady : A Tissue of Moonshine The Star and Other Stories Tales of Space and Time Thirty Strange Stories Time Machine; Tono Bungay The War in the Air The War of the Worlds Wheels of Chance the Time Machine The Wonderful Visit (Lost Race and Adult Fantasy Fiction) World Brain (Essay Index Reprint Series) books-poetry-writing Sun, 11 Jul 2010 11:56:44 -0600 http://www.squidoo.com/text-link-ads Text Link Ads (TLA)(now InLinks) is an Internet marketing company which acts as an intermediary for websites to sell text links to companies, a form of search engine marketing. Buying text links is simply the purchase of a link on another site for a set period of time, usually cycles of one month. business-and-work Thu, 26 Feb 2009 02:19:57 -0600 http://www.squidoo.com/pianissimo This page contain the review and links to all the reviews about Acoustica's Pianissimo Virtual Grand Piano software instrument. Pianissimo is a Virtual Grand Piano, delivering the rich, warm sound and expressiveness of a classic grand piano. It operates as a VSTi plug-in, or runs as a stand-alone application. computers-and-electronics Tue, 14 Apr 2009 02:21:52 -0600 http://www.squidoo.com/nord-piano Piano samples, digital piano, piano synth, etc .. you name it! Did you ever find one that sounds incredible? Not until you try Nord Piano music Wed, 07 Jul 2010 01:18:14 -0600 http://www.squidoo.com/interest-calculation Most banks calculate your mortgage interest on a daily rest basis. Years ago, monthly rest interest was a norm. Find out more education Fri, 30 Jul 2010 00:05:59 -0600 http://www.squidoo.com/se-electronics-usb2200a-usb-studio-condenser-microphone-reviews sE Electronics introduced the USB2200a, which is the USB version of the 2200a studio condenser microphone. With the USB2200a, you don't have to go through outboard mixer, preamp, compressor or any other hardware. It can be connected to your PC via USB port. The USB2200a is more than suitable for general vocal and instrument recording. computers-and-electronics Mon, 02 Jul 2007 05:13:24 -0600 http://www.squidoo.com/investing-102 Often times I receive emails from readers asking my opinion about the market. They often ask where can they best invest in - in properties, gold, specific funds or in stock counter. This is such a common trait that people think that the investment is about putting in money and see it grow. But invest is not about money alone. The truth is if you think in terms of money alone you are then missing another important part of investment. Aside from investing money, one should also invest another important resource which is not renewable, this is known as time. education Mon, 22 Nov 2010 22:41:41 -0600 http://www.squidoo.com/buy-rich You have savings. Now the question is that where can you spend your savings? Can you buy something from your savings or not? Saving of money is a good habit and helps you in generating more income. But saving money is not equal to gathering wealth. education Mon, 22 Nov 2010 22:31:12 -0600 http://www.squidoo.com/malaysians-their-salaries Malaysia is a multi-racial nation. The best part is that the education system allows the citizens to learn more than two languages. The Chinese in this country speak not just Malay, but also fluent English, Mandarin, Cantonese and Hokkien. Many Multi-national Companies (MNC) prefer to setup service center and even research center in Malaysia due to the educated work force. But are Malaysian employees well-paid? It is not is compared to the neighboring country like Singapore. education Wed, 02 Jun 2010 10:45:40 -0600 http://www.squidoo.com/send-birthday-card-strengthen-relationship Do you still remember you send you the last birthday card? How many greetings did you get for your last birthday? How many Text Message? How many e-cards or emails? How many birthday greeting phone calls? How many real birthday cards? How many birthday presents? I guess you got what you gave. Count it with your fingers and you will probably find that you had too many fingers to do the calculation. Can I say that the birthday present you got is from your best friend or immediate family members? They have great relationship with you. That's right! The secret to have a better relationship with a person, is simply celebrate his birthday. Let him knows that you care.  If you want someone to remember you, sending them birthday cards is the easiest thing to do. Start doing this and I promise that you will get a lot of “return” on your birthday. business-and-work Mon, 10 Sep 2007 23:31:58 -0600 http://www.squidoo.com/setia-pearl-island I visited the show village last weekend. The show house and marketing hype are amazing. But I think the price will not be easily stomached by the local residents. travel-and-places Tue, 20 May 2008 09:17:29 -0600 http://www.squidoo.com/miserable-money As most people believe, a person should save more to become richer. This means that spending less than what a person earns and saves whenever it is possible. Let me share you a story a lesson I have learned from a friend. This friend of mine is not an ordinary person for he is best in what he does. education Mon, 22 Nov 2010 04:04:58 -0600 http://www.squidoo.com/tempest-analog-drum-machine Tempest is a professional drum machine that generates its sounds using six powerful analog synthesis voices, and uses an innovative, performance-oriented operating system that permits an extraordinary level of control to create, edit, arrange, and manipulate beats in real time without ever stopping. music Thu, 15 Dec 2011 02:21:55 -0600 http://www.squidoo.com/Chromatone-CT-312-Janko-Keyboard-reviews-videos-downloads-news-keys It looks more like a typewriter to most people. But it is indeed the latest keyboard based on Janko keyboard layout designed by Paul von Janko back in 1882. As a pianist, you will appreciate what this innovative, yet having centuries old history keyboard can help you achieve finger stretch over 11th notes! computers-and-electronics Wed, 15 Aug 2007 06:32:45 -0600 http://www.squidoo.com/kclau KCLau is an active personal finance blogger and author. He plays piano and sings even better than he writes. culture-and-society Fri, 04 Jun 2010 10:33:48 -0600 http://www.squidoo.com/ebook-definition An ebook stands for electronic book and it is basically an information product packaged into an easy downloadable form. The advantage is people can access to the information they want immediately instead of waiting for weeks to get it through snail-mail. So that is why it is very popular now. education Fri, 03 Oct 2008 03:26:20 -0600 http://www.squidoo.com/have-budgeting What to estimate, most of the people not known about that. Basically budget in financial terms known as "estimation of future income and expenses so that you should know about how to save your money and how to decrease your expense according to your income level". According to the facts of a survey in 2008, only about 28% of Malaysians have a monthly budget. Budget have immense important for both rich and poor people. It helps you in finding the ways of money and how to spend and save your money. The only source of fulfilling your future dreams is savings. education Mon, 22 Nov 2010 08:45:17 -0600 http://www.squidoo.com/Dopod-M700-PDA-Phone-Features-and-Resources I bought it new early this year. If you are considering to get a new phone or a PDA, why not consider Dopod M700 that combine the function of both? Dopod International announced the launch of M700, a phone that offers an ideal music and entertainment experience for users on-the-go. This sexy gadget presents the best of both worlds by mixing business with leisure effectively into a compact, slim shell - bringing music and entertainment into your mundane everyday tasks. The M700 is a slightly different version of HTC Artemis. Dopod is also announced Dopod P800W which is the same as the HTC Artemis. Conclusion: I like it very much!  computers-and-electronics Thu, 21 Jun 2007 22:19:51 -0600 http://www.squidoo.com/email-list-blog This is what I heard from an internet marketing guru. Whenever he needs money, he will email his list! Building a mailing list is a very important marketing effort that is often neglected by bloggers. They are often obsessed with statistic about the pageviews, number of visitors and RSS subscribers. Those are very important statistic you should watch out as a blogger. But never neglect that the traditional method of keeping in touch via the internet is still ---- "EMAIL". business-and-work Mon, 13 Apr 2009 03:41:39 -0600