i’m saimatkong

FUND INFORMATION

Fund Name : AMANAH SAHAM WAWASAN 2020 (ASW 2020)
Type : Income
Category : Equity
Launch Date : August 28, 1996
Objective : To provide reasonable level of regular distribution income to Unitholders from investments in a selected portfolio of authorised investment.
Potential Investors : Those who understand investment risk and reward and expect to benefit from long-term growth of the Fund through re-investment of distribution (if any) as well as to receive regular income (if any) on their capital.
Eligibility : Malaysian
* Akaun Dewasa (18 years and above)
* Akaun Remaja (18 years and above as Guardian for minors age 6 months old and above but below 18 years)
Investment Manager : Permodalan Nasional Berhad

TRANSACTION INFORMATION

Price per Unit : RM 1.00
Form of Investment :
* Investment book
* Certificate
* Member’s Investment Scheme (EPF)
Minimum Initial Investment :
* Investment book - 100 units
Minimum Additional Investment :
* Investment book - 1 unit
* Certificate - Multiples of 1,000 units
* EPF - RM1,000
Maximum Investment : Unlimited, subject to availability of units of the Fund.
Approved Fund Size : 10.00 billion units.
Sales Charge : None
Redemption Charge : None
Payment of Redemption : On-the-spot, but for EPF Member’s Invesment Scheme, redemption amount is payable to EPF only.
Cooling-off Period : None
Financial Year End : August 31

FUND PERFORMANCE

Year End 31 August - Net Distribution per unit (sen)
2006 - 6.80
2007 - 8.00
2008 - 7.00

more details : AMANAH SAHAM NASIONAL BERHAD

One billion new units of ASW 2020

KUALA LUMPUR: Amanah Saham Nasional Bhd (ASNB), a wholly-owned subsidiary of Permodalan Nasional Bhd (PNB), yesterday opened for subscription one billion new units of Amanah Saham Wawasan 2020 (ASW 2020).

To ensure fair distribution to the investing public, a maximum limit of 10,000 units has been set per account holder during the offer period ending Dec 3.

The maximum investment limit would be void after the offer period, it said in a statement.

With the additional units, the fund size of ASW 2020 would increase to 10.42 billion units.

ASW 2020 was launched on Aug 28, 1996, with an initial fund size of three billion units.

ASW 2020 is a fixed priced unit trust open to all Malaysians aged six months and above, subject to a quota of 51% for bumiputras and 49% for non-bumiputras.

Source : TheStar

Topup is very fast but opening a new ASW2020 might take you few hours of waiting in queue!

Yes PETROL PRICE GONNA REDUCE AGAIN, I have been waiting for this and my fuel tank was empty this few days and just pump 30 bucks to keep my car moving… ahah kiasuness…

PETALING JAYA: Petrol prices are expected to be cut by 15 sen a litre at 12.01am tomorrow – the fourth reduction since August.

This means the RON97 will cost RM2.15 a litre, down from RM2.30, and the price of RON92 is also expected to go down.

Petrol Dealers Association of Malaysia (PDAM) president Abdul Wahid Bidin said they expected the new prices to take effect early tomorrow although they have not received a directive from the Finance Ministry.

A dealer who declined to be named said Domestic Trade and Consumer Affairs Minister Datuk Shahrir Abdul Samad had met with PDAM representatives on Wednesday.

He said Shahrir gave them notice that prices were going down.

“This is good because it has given us the three days we need to figure out how much stock we should keep to avoid big losses,” he said.

It is also understood that another price change is expected on Nov 15.

When asked at a function here yesterday, Shahrir refused to confirm or deny that prices would be reduced tomorrow.

“A reduction is imminent of course. We cannot deny consumers the opportunity that has arisen from lower global oil prices,” he said.

Shahrir, however, said that any directive would come from the Treasury and that any agreement on reducing prices would be discussed by the Prime Minister, Deputy Prime Minister, Second Finance Minister and himself.

“So it is difficult for all of us to meet at one time. There is, however, a Cabinet meeting (today), so it will probably be discussed then.”

Shahrir said that the Government would also be moving to make price changes every fortnight.

“This would be an ideal situation. If the price is changed once a week, it will be too short a time for any effects to be felt.”

He said petrol dealers had to realise that they were in a business and that other businesses also suffered when prices changed.

Source : TheStar

PlayStation® 3 Launching @ 1Utama, Malaysia

The PlayStation 3 (officially marketed PLAYSTATION 3, commonly abbreviated PS3) is the third home video game console produced by Sony Computer Entertainment, and the successor to the PlayStation 2 as part of the PlayStation series. The PlayStation 3 competes with Microsoft’s Xbox 360 and Nintendo’s Wii, as part of the seventh generation of video game consoles.

A major feature that distinguishes the PlayStation 3 from its predecessors is its unified online gaming service, the PlayStation Network, which contrasts with Sony’s former policy of relying on game developers for online play. Other major features of the console include its robust multimedia capabilities, connectivity with the PlayStation Portable, and its use of a high-definition optical disc format, Blu-ray Disc, as its primary storage medium. The PS3 was also the first Blu-ray 2.0-compliant Blu-ray player on the market.

The PlayStation 3 was first released on November 11, 2006 in Japan, November 17, 2006 in North America, and March 23, 2007 in Europe and Oceania. Two SKUs were available at launch: a basic model with a 20 GB hard drive (HDD), and a premium model with a 60 GB hard drive, and several additional features (the 20 GB model was not released in Europe or Oceania). Since then, several revisions have been made to the console’s available models and it has faced competition from the other seventh generation consoles. As of July 17, 2008, the PS3 is in third place in US home console sales for its generation. more details

Be prepared to enter the ultimate world of high definition gaming experience with PlayStation® 3 : The revolutionary game console with unparalleled multimedia features that incorparates the latest Blue-Ray technology to give you the most cutting edge entertainment experience like no other.

Don’t forget to join us as we bring you the ultimate gaming experience at the Official Launch of PlayStation® 3 at Ground Floor Highstreet New Wing on 20th September 2008.

How much is the PlayStation® 3 ?
Suggested Retail Price : * RM 1,599.00

See you there! Bring a camp and over night @ 1Utama tonight and you will be the 1st 120 buyers and you can get yourself some Sony Vouchers! =)

No more Avril Lavigne Concert as it’s cancelled because of “too sexy”

See … At 1st say definitely on? But now kena banned? Should Avril Lavigne Concert banned? I think it shouldn’t. There’s nothing to do with sexy or what… It’s totally bullSh*t!

1st Confirmed and definitely on

Avril concert definitely on, say organisers

PETALING JAYA: Canadian pop star Avril Lavigne’s show is definitely on.

Despite protests and an attempt to call for the singer to be banned from performing in Malaysia by PAS Youth earlier this month, organiser Galaxy Group said yesterday the show would go on.

Avril: Coming for ‘The Best Damn Tour — Live In Malaysia’

“Everything is moving very positively. We have spoken to the authorities involved and things look good,” a spokesman for the organiser told The Star.

He said the concert here would meet local rules and regulations.

“We’ve organised the show according to the rules. There is nothing wrong. We’ve received positive and assuring feedback from the authorities,” he said.

Earlier, the Federal Territory PAS Youth chief Kamaruzaman Mohamed had called for Avril’s concert to be banned on grounds that “rock and punk are not suitable for the young generation, especially so during the Merdeka month.”

The wing came under fire after it attempted to call for the ban which many sectors called ridiculous and narrow-minded.

Some of those who lashed out at PAS Youth included activist groups, local veteran artistes, Commercial Radio Malaysia (an association of local radio stations), Recording Industry Association of Malaysia, Malaysian Artistes Association and Perak Mentri Besar Datuk Seri Mohammad Nizar Jamaluddin.

“Avril Lavigne The Best Damn Tour - Live In Malaysia” will be held on Aug 29 at Stadium Merdeka at 8pm. For details, contact 03-7711 5000.

Source : TheStar

Then … calling to ban

Groups slam call to ban concert

PETALING JAYA: Activist groups have hit out at the Federal Territory PAS Youth for its move to call for a ban on the concert by popular Canadian rocker Avril Lavigne planned for Aug 29.

Women’s Aid Organisation executive director Ivy Josiah said the issue was not that of decency but one involving freedom of expression.

“Decency is very relative. This is the issue of the rights to freedom of expression and for people, especially the youths, to choose what they want to see and hear,” she said.

“The society’s morality and values are not shaped by concerts and music,” Josiah said, adding that the insidious attempts by certain quarters to shut down or restrict the people’s freedom of expression were not acceptable in a democratic Malaysia.

On Saturday, Federal Territory PAS Youth chief Kamaruzaman Mohamed handed over a memorandum to Kuala Lumpur Mayor Datuk Hakim Borhan and the Unity, Culture, Arts and Heritage Ministry calling for a ban on the concert.

The PAS wing is asking the authorities to ban the show because “rock and punk is not suitable for the young generation and especially so during Merdeka month.”

Sisters In Islam lashed out at the call, questioning PAS’ pledge to the people during the general election campaign.

“PAS has said many times that it would never infringe on the rights of non-Muslims but in reality, it is in fact denying non-Muslims their rights,” its programme manager Norhayati Kaprawi said.

“Is this call limited only to Muslims or to everyone? Since PAS is a component party of the Pakatan Rakyat coalition, then what are PKR and DAP’s position on this (banning of concerts)?” she asked.

“It seems like PAS is making all the decisions. Is this within the Pakatan’s manifesto?”

She urged PAS to focus on bigger issues like urban poverty instead.

Norhayati noted that none of the rock singer’s concerts had come across as violent or of bad influence.

MCA Youth secretary-general Dr Wee Ka Siong meanwhile expressed his disappointment, saying: “This is clearly an infringement of the people’s rights. It is very unbecoming.”

Dr Wee also said PAS Youth should not try to impose their values on people of other races.

“We must uphold the right of the citizens as enshrined in the Constitution,” he added.

Source : TheStar

Lastly… Banned and Canceled Avril Lavigne concert

KUALA LUMPUR, Malaysia (AP) — Malaysia on Tuesday canceled a concert by Canadian rock singer Avril Lavigne, saying it may taint the Muslim-majority country’s independence day celebrations after the Islamic opposition slammed her show as being “too sexy.”

The Arts, Culture and Heritage Ministry said it had decided not to permit Lavigne’s show because it was unsuitable to Malaysian culture and could not be held on Aug. 29, two days ahead of independence day.

“It is not timely. It’s not in the good spirit of our National Day. If we go ahead with the concert, it is contrary to what we are preparing for,” said Shukran Ibrahim, a senior official from the culture ministry’s department that vets all foreign artists.

The decision came after the youth wing of a fundamentalist opposition party, the Pan-Malaysian Islamic Party, called for the show’s cancellation.

Kamarulzaman Mohamed, a party youth official, told The Associated Press on Monday that Lavigne’s show was “considered too sexy for us” and would promote the wrong values just before independence day.

“We don’t want our people, our teenagers, influenced by their performance. We want clean artists, artists that are good role models,” he said.

Lavigne, who became famous with her 2002 debut album “Let’s Go,” had planned to launch her monthlong Asia tour in Kuala Lumpur.

The show’s promoter, Galaxy Group, can request a new date for the concert, which will be considered by the ministry, Shukran said. Galaxy officials couldn’t be immediately reached for comment.

Galaxy began advertising the Grammy-nominated rock singer’s concert this month even though it had yet to obtain a government permit, which is mandatory for all foreign music shows. It said Monday about half the concert tickets had been sold.

Last year, R&B singer Beyonce moved her show from Malaysia to Indonesia, and Christina Aguilera skipped the country on an Asian tour after a controversy erupted over a dress code for foreign artists.

Malaysia requires all performers to wear clothes without obscene or drug-related images and be covered from the chest to the knees. They must also refrain from jumping, shouting, hugging and kissing on stage.

Still, members of PAS and other conservative Muslims often protest against Western and even Malaysian music shows that they deem to be inappropriate.

The local organizer of a Pussycat Dolls concert in 2006 was fined 10,000 ringgit (US$2,857) after the U.S. girl group was accused of flouting decency regulations.

Source : Associated Press

TOUCH ‘n GO CARD (1998 expired Aug 2008), 10 Years Lifespan, Renew Now

Please be informed that each Touch ‘n Go card has a lifespan of 10 years from the issuance date. In your case, the card was bought in September 1998 and will expire soon.

To avoid untoward incident, we advise you to replace the card at any Touch ‘n Go Sales and Reload Counters before August 2008 and it is free of charge. Please bri ng the card to the following counters :

1) PLUS EXPRESSWAY
Kedah : Alor Setar (U), Sg Petani (S)
P.Pinang : Jawi, Juru, Sg Dua, Penang Bridge Sdn. Bhd.
Perak : Bidor, Bkt Tambun (S), Ipoh (S), Jelapang, Taiping (U)
Selangor : Kajang, OBR Sg Buloh, Batu Tiga, Sg Besi, Sg Rasau, Subang, USJ, Seafield, KLIA
Kuala Lumpur :Damansara, Jln Duta, Kota Damansara
N.Sembilan : Bdr Baru Ni lai, Senawang
Melaka : Ayer Keroh, OBR Ayer Keroh
Johor : Ayer Hitam, Kempas, Skudai, Yong Peng (U), Lima Kedai, Tmn Perling, Tg Kupang

7.30 am to 7.30 pm,
Mondays to Sundays (including Public Holidays).

2) RSSB POS : Head Office - Faber Towers Taman Desa KL
8.30 am to 5.00 pm Mondays to Fridays
8.30 am to 1.00 pm Saturdays

3) KL SENTRAL HUB : 10.00 am to 8.00 pm Mondays to Fridays,
10.00 am to 3.00 pm Saturdays.

FAQ

Touch ‘n Go 10 Years Expiry Cards
Frequently Asked Question (FAQ)

1. What is expired card?
Each Touch ‘n Go card has a lifespan of 10 years from the issuance date. Thus, Touch ‘n Go cards that exceeds more than 10 years from the issuance or date purchased is considered “expired”.

The expired cards need to be replaced in order to avoid interruption due to wear and tear.

2. What will happens to the ‘expired’ cards?
Customers may experience difficulties of using the ‘expired’ card. For instance, usage failure at any point-of-usage such as toll lanes, TNG gates at LRTs, Monorails and KTM Komuters stations as well as Parking sites.

3. What should I do if my ‘expired’ card fails to function at the point-of-usage?
Customer can check and have their card renewed at the nearest Touch ‘n Go counters at:

• PLUS Expressways
• ELITE Highways
• Penang Bridge
• Linkedua
• Touch ‘n Go Hub, Faber Towers
• Touch ‘n Go Hub, Kl Sentral

Full list is available at Touch ‘n Go’s website at www.touchngo.com

4. Is there any charge to renew my ‘expired’ card?
Yes. RM10 will be charged to customers.

5. My ‘expired’ card was replaced at your counter recently. I noticed an excess of RM5 in my card balance. Why does that happen?
If your card has a deposit of RM15, we will transfer RM10 from you deposit to a new Touch ‘n Go card as the card price. Whilst, the remaining balance of RM5 will be credited to your card as the card reload value.

Your card deposit is refundable upon the termination of your old touch ‘n Go card provided the card is in good physical condition.

6. How can I check the purchase date or year of my Touch ‘n Go card?
Customer can call the Touch ‘n Go Careline Centre at 03-7628 5115, or email us at careline@touchngo.com.my, or walk-in to any of our selected Touch ‘n Go Customer Service Counters.

If you have any queries, please do not hesitate to contact our Touch ‘n Go Careline Centre at 03-7628 5115 ( 7.30am to 7.30pm : Monday to Sunday). We will be glad to assist you.

Cabinet mulling over lowering fuel prices

PUTRAJAYA: Malaysians may be paying less for fuel soon as the Cabinet is mulling over the possibility of lowering the present prices.

Several Cabinet Ministers said the matter was discussed during their weekly meeting Wednesday but declined to elaborate, saying that Prime Minister Datuk Seri Abdullah Ahmad Badawi was expected to make an announcement soon.

Higher Education Minister Datuk Seri Mohd Khaled Nordin said the possibility of consumers paying lesser for fuel was raised and that the mechanics were still being worked out.

Information Minister Datuk Shabery Cheek also admitted that the Cabinet was studying the matter.

“Let the Prime Minister make the announcement,” he said yesterday.

Domestic Trade and Consumer Affairs Minister Datuk Shahrir Samad , however, declined to comment on the subject, saying that it would be best to wait for the PM.

The government, had on June 4, raised the prices of petrol and diesel, on grounds that that it could no longer continue to subsidise fuel, but give a 30 sen per litre discount from market prices.

Currently, Malaysians are paying RM2.70 per litre at the pump while diesel is priced at RM2.58 per litre.

Source : TheStar

Updates

Fuel prices may drop soon, say ministers

PUTRAJAYA: Malaysians may pay less for fuel soon, as the Cabinet is mulling over the possibility of lowering the pump prices.

Several Cabinet Ministers disclosed that the matter was studied during their weekly meeting yesterday but declined to elaborate, saying that Prime Minister Datuk Seri Abdullah Ahmad Badawi was expected to make an announcement soon.

Higher Education Minister Datuk Seri Mohd Khaled Nordin said the possibility of consumers paying less for fuel was discussed and that the mechanics were being worked out.

Information Minister Datuk Shabery Cheek said the matter was studied by the Cabinet, but declined to elaborate.

Domestic Trade and Consumer Affairs Minister Datuk Shahrir Samad, when contacted, declined comment, saying that it would be best to wait for Abdullah to make an announcement at an appropriate time.

On June 4, the Government raised petrol and diesel prices, stating that it could no longer continue to subsidise fuel prices at the then rate. However, it would continue to provide a 30 sen per litre discount on the market price.

Currently, motorists pay RM2.70 a litre for petrol and RM2.58 a litre for diesel at the pump.

Shahrir was quoted by Bloomberg.com on Tuesday as saying that the Government might reduce fuel prices if crude oil prices stay at US$125 (RM408) per barrel for at least three weeks.

Shahrir said that it that was the case then a reduction in prices could come within the year to enable the Government to keep its pledge of maintaining a 30 sen per litre subsidy.

“Why not, it would be good news, right?” he said during the interview.

Source : TheStar

There’s news to reduce fuel prices?! Remember last two week Pak Lah supposed to announce steps to ease fuel price rise burden? But after the news, there’s no one talking about it or no updates at all? What happened? I was waiting for the steps to ease fuel price but nothing happened. Now news review that fuel prices will be lower down? How much? How soon? Is it 100% real?

I will start dreaming from today on wards for lower fuel price and better economy =)

Wait for the announcement! Hopefully yes but what about those ppl that claim their fuel subsidy of RM625 from pos office? Too bad, my road tax due at March, so I still haven’t claim back my subsidy!

If it’s really true that our fuel price will be lower down, then will other goods, food, transport all reduce their price too? I don’t think so. Roti Canai, Bread, Rice, all increased. They will happily earn more!

Anwar arrested outside his house

KUALA LUMPUR: Datuk Seri Anwar Ibrahim arrived at the city police headquarters here in a white Pajero at 1.15pm Wednesday after being arrested by the police.

He had been arrested in front of his house in Bukit Segambut.

His lawyer Sankara Nair said the police told Anwar that he was being arrested for investigations under Section 377C of the Penal Code for alleged “carnal intercourse against the order of nature.”

On June 28, his 23-year-old former aide Mohd Saiful Bukhari Azlan had lodged a police report alleging that Anwar had sodomised him.

Asked if Anwar was handcuffed, Sankara said he was not.

Anwar started giving his statement to the police at about 2.50pm, said another of his lawyers R. Sivarasa, also the Subang Member of Parliament (MP).

Anwar’s wife Datuk Seri Dr Wan Azizah Wan Ismail said he had called her from the police car to say he had been arrested.

“He asked me to go home to look after the children,” she said when met in Parliament lobby earlier Wednesday.

Wan Azizah was at the city police headquarters by 1.30pm, followed 25 minutes later by daughter Nurul Izzah and her husband Raja Ahmad Shahrir.

“It’s a feeling of deja vu with what happened 10 years ago,” Wan Azizah said, adding that she was unhappy over how the arrest had been conducted.

“We’d already given our assurance that he would be at the police headquarters at 2pm,” she said.

Police said they arrested Anwar an hour earlier before the 2pm deadline because they feared he would not show up.

Federal CID director Comm Datuk Bakri Zinin said Anwar was supposed to have gone directly to the Kuala Lumpur police headquarters immediately after giving his statement to the ACA in Putrajaya.

“However, we were informed that after he left the ACA headquarters in Putrajaya, he had changed his route and was heading back to his house in (Bukit) Segambut,” he said.

“He was arrested as we had reason to believe he was not going to show up,” he claimed.

“We wish to point out that Anwar had initially agreed to meet us on Monday but he failed to keep his appointment,” Comm Bakri added.

PKR members and about 200 supporters had gathered at the city police headquarters after news of the arrest went out.

“I don’t believe this is happening. We will seek to get him released as soon as possible,” said DAP chairman Karpal Singh.

DAP adviser Lim Kit Siang described the arrest as “highly provocative and shocking.”

Balik Pulau MP Yusmadi Yusuf, who was there as Anwar’s lawyer, said the matter would be brought up in Parliament.

The police had on Tuesday given Anwar a 2pm deadline to answer allegations of sodomy.

Anwar was at the Anti-Corruption Agency (ACA) headquarters in Putrajaya at 10am Wednesday over reports he had lodged against the Inspector-General of Police (IGP) and the Attorney-General (A-G).

In his report lodged on July 1, Anwar had alleged that IGP Tan Sri Musa Hassan and A-G Tan Sri Abdul Gani Patail had fabricated evidence in the “black eye” investigation in 1999.

Musa was the investigating officer and Abdul Gani led the prosecution in the case in which Anwar had been beaten up by the IGP then, Tan Sri Abdul Rahim Noor.

The two were questioned by the ACA on July 11.

Anwar left the ACA headquarters at 12.20pm.

He said the ACA had not completed its interview, but he had to cut it short to make his 2pm appointment with the police to answer questions over the sodomy allegation made against him.

“I have adduced all evidence to the ACA officers and I am satisfied with the line of questioning,” he said, adding that everything he said had been recorded.

The interview was conducted by a few ACA officers, said Anwar, who arrived at the agency accompanied by lawyers Sankara, Sivarasa, Param Cumaraswamy and dozens of supporters.

“If I am arrested, I guess the ACA can do their follow-up interview at the lock-up,” he joked.

source : TheStar

Anwar arrested outside his house

Opposition leader Anwar Ibrahim was arrested by the police just outside his home in Bukit Segambut, Kuala Lumpur, at 12.55pm.
-Convoy of 15 police vehicles
-Arrested by cops with balaclavas
source : Malaysiakini.com

KUALA LUMPUR, July 11 ─ Apple today begins selling the iPhone 3G to replace earlier and slower models.

Touted as twice the speed, half the price, the 3G model has the same 8GB capacity as the EDGE iPhone but comes with new features such as enterprise applications and GPS.

The phone was Apple’s entry into the crowded and competitive mobile phone sector dominated by Finnish giant Nokia and several Korean and Taiwanese makers.

But the iPhone integrated Apple’s successful and iconic Ipod MP3 player with touch screen features and the company’s famed industrial design to gain market share and appeal to a younger set.

The iPhone 3G will be available in a few Asian nations soon, most of whom have already cracked earlier sets which were tied to US provider AT&T.

Its understood that Maxis will offer the iPhone 3G in Malaysia at a competitive price below RM1,000.

Source : The Malaysian Insider

Will Malaysia Telco bring iPhone 3G to Malaysia? If yes will you get one? For me I will definitely get one coz from the source it’s will be priced below RM1k? Will you believe that?

I have a friend told me that a friend working in Digi said initially Digi will want to launch their 3G service together with this new iPhone 3G and package it but till now Maxis and Digi are still fighting for the rights to solely sell the iPhone in Malaysia? I guess we should wait and see. I will suggest that we should not get the iPhone now and should wait till it announce and it’s definitely worth the wait.

So of my friends are saying that, they will fly to Singapore or Hong Kong to get the iPhone, do you think it worth? iPhone 3G to me is nothing other than the wOw factors. =) Although this iPhone 3G have the 3G functions but it does not have front camera so it can’t be used to do video call.

Some ppl even comment that they will not get iPhone because it’s too common and too many ppl will own it so it’s not special anymore! Haha ridiculous. Then too many ppl drive kancil or proton because it’s cheap then ppl also will not buy it?

iPhone 3G I’m waiting…!

Where to buy. What to bring.

To purchase and activate iPhone 3G, you need the following:*
-Credit card
-Social security number
-Valid government-issued photo ID
-Current wireless account number and password or PIN (if you’re new to AT&T)
-If you already own an iPhone, remember to sync it with iTunes one last time before you get your new iPhone 3G.

Apple Retail Stores

Locate a store near you where you can purchase your iPhone. Then find out what to bring with you. If you’re new to AT&T, for example, you’ll need your current wireless account number and password. Find a store

How to get ready.

iPhone 3G syncs with many applications on your Mac or PC. So if you organize your contacts, calendars, music, photos, and other information now, you’ll be ready to sync when you get your iPhone home. Learn more

Contacts and Calendars

iPhone syncs with iCal and Address Book or Entourage on a Mac, with Outlook on a PC, and with Yahoo! Address Book and Google Contacts on the web.

Email

iPhone works with the most popular email systems—including Yahoo! Mail, Gmail, AOL, and MobileMe. And iTunes syncs the settings from email accounts stored in Mail on a Mac or Outlook on a PC.

Photos

iPhone uses iTunes to sync photos from iPhoto on a Mac, or Adobe Photoshop Elements, Adobe Photoshop Album, or any picture folder on a PC.

Music and Video

If you don’t have the latest version of iTunes, download it now and start a music and video library.

iTunes Account

If you don’t have an iTunes Store account, set one up now by downloading iTunes, selecting the iTunes Store, and clicking the Sign In button in the upper-right corner.

Are you one of the Credit Card user who always perform prompt payment for the past 12months? Then you are safe and you will save yourself some interest rate too! I’m one of them. Haha, so I get to enjoy the 20 days free interest and low interest rate?

But what’s the point of doing that? Ppl use Credit Card because the no money or want to use future money and now they implement this and of the current petrol and price hike? Are you happy with the new Credit Card Interest Structure? For me, I use Credit Card for convenient sick and sometimes got offer for card member too and to collect points too of coz =)

What say you? Are you paying extra because of this new credit card interest structure?

PETALING JAYA: From Tuesday, credit card holders who make the minimum or partial repayment on their outstanding amount monthly would no longer enjoy the 20-day interest-free period for new retail transactions.

Those who settle their credit card outstanding amount in full every month will continue to be granted the interest-free period.

Bank Negara confirmed that the ruling took effect Tuesday as part of its effort to promote the use of credit cards as a payment instrument, and to encourage prudent spending and good financial discipline.

A year ago, Bank Negara took the initial step, announcing a new interest rate scheme for credit card users. Credit card issuers then began tracking the repayment behaviour of their cardholders from July 1 last year.

In a statement Tuesday Bank Negara said: “More than half the cardholders pay at least the minimum amount due and roll over the remaining balance.”

For credit card users with a good record of settling their credit card balances due each month promptly for 12 consecutive months, the finance charge will be reduced from the maximum of 18% a year to not more than 15%, it added.

As at the end of last year, one third of the 2.7 million credit card holders in the country settled their outstanding amount in full every month.

Bank Negara said banks and credit card issuers had already begun notifying their customers on the matter.

A spokesman for Public Bank Bhd said the bank had notified its credit card holders on the scheme in June and July last year and again in April, this year.

“We gave them ample notice because we needed to track their 12-month repayment behaviour history,” she said, adding that the bank had 900,000 credit card holders.

source : TheStar

Some useful information forwarded from my friend and it’s a good read. Just click on the image to enlarge if you can’t read.

CitiBank Card Member:

Citibank credit cards are designed with benefits that allow you to enjoy and live life to its fullest. As such, effective 1 June 2008, Citibank will introduce a new Tiered Interest Rate Structure on retail purchases in line with the latest guidelines by Bank Negara Malaysia.

This Structure has been introduced to inculcate prudent financial management among our credit cardmembers. Cardmembers who demonstrate good track record in settling at least their minimum payment promptly will enjoy reduced finance charges.

The table below illustrates the interest rate tiers and how you can enjoy the lower rates:
15% per annum - Cardmembers with prompt payments for 12 consecutive months.
17% per annum - Cardmember have to make 10 or 11 times prompt payments in the last 12 months.
18% per annum - Cardmembers will be charged this rate if they have only made 9 or less prompt payments in the last 12 months.

Are there any other changes?
Yes, there are changes on the Late Payment Charges and Interest Free Period.

• Late Payment Charges
Cardmembers have to pay a minimum of RM10 or 0.5% of the total outstanding balance as at statement date, up to a maximum of RM100.

• Interest Free Period
The Interest Free Period for retail transactions will be 20 days from the statement date and is applicable only for cardmember who pay in full on or before the payment due date. If cardmember opts to pay partial or minimum payment, finance charges for retail transactions will be calculated from the day the transactions are posted to the card account.

FAQ

Frequently Asked Questions From CitiBank

1. By July 2008, I would have been making all my payments on time for the period July 2007 – June 2008 and have never been late even once, what will be the finance charge in my July 2008 statement?

As you have been paying promptly every month (either by clearing your balances or just the minimum payment due) you will enjoy a finance charge of 15% per annum.

The New Interest Rate Structure has been designed to reward credit cardmembers who demonstrate a good track record of paying their credit card bills promptly each month.

2. Six months ago, I made a late payment. In this case, what will be the finance charge reflected in my upcoming statement?

If you have made one late payment in the last 12 months, you will enjoy a finance charge of 17% per annum.

The finance charge of 15% per annum will only apply if you consistently settle your balances or make the minimum payment due on or before the payment due date for 12 consecutive months.

3. I think I may have missed my credit card payments for one or two months in the last 12 months. What will be the finance charge rate reflected in my next credit card statement?

You will enjoy a finance charge rate of 17% per annum. This finance charge is applicable for a maximum of 2 late payments made in the last 12 months.

However, if you consistently pay on time before the payment due date in the next 12 months, your interest rate will be changed to 15% per annum. Credit cardmembers who demonstrate good financial discipline and prudent financial management will be suitably rewarded.

The credit card is a payment tool. Using credit cards wisely involves choosing a card that best suits your lifestyle, keeping track of how much you spend and how much you pay. It is advisable that you treat your credit card as how you would treat a bank loan of the same amount. As such, you must ensure that you pay your bills promptly every month, to avoid higher finance charges.

4. I have been making all my payments on time except for the last 3 months, what is the finance charge that I have to pay now?

We understand that you may have had some difficulties in paying your balances promptly in the last three months. Due to this, your finance charge rate will be 18% per annum.

However, if you consistently pay on time before the payment due date in the next 12 months, this rate will be changed to 15% per annum. This would be your reward for demonstrating good financial management over the course of 12 months.

To help you achieve this, review and organize your finances as well as keep a budget. A budget is a powerful tool to help you achieve financial goals. It can help you get control of your finances, keep out of financial trouble, become a smarter consumer, and pave the way to a secure future.

5. How long does the cheque take to be processed from the point that the cheque is received by your bank?

Between 2 to 3 working days.

6. When do you recommend me to make full payment to enjoy the 20 days interest free period?

If you are making payments online or GIRO, please do so at least 1 day before the payment due date.

If you are planning to drop the cheque at any of our branches or cheque drop box, please do so at least 2 working days from the payment due date.

If you are paying by mailing the cheque, do send it at least 1 week before the payment due date.

If you are making cash payment, you may do so latest by the payment due date.