Life, Internet, Software, Gadgets, Programming and Investments
I have a pretty good experience using HLeBroking. HLeBroking is well known with its system performance and low brokerage rate. I’m quite satisfied with their service and system performance.
Recently I found that there is a new promotion for new customer who signs up HLeBroking. The promotion’s brokerage rates are 0.38% for RM100,000 and below, 0.19% for RM100,000 above and 0.10% for intraday trade.
I received a Maybankard Ezy Cheque yesterday. It is a cheque with amount of RM2,000. You can get extra cash by simply bank in the cheque.
There is no document to fill in, no waiting approval and 0% interest-free for six months. You will need to pay back (by charging to your credit card) the money within 6 months, RM333.33 each month.
It is an interest-free for the installments but you will need to pay the cash advance fee which is RM77.60 (3.88%). Will you take that offer?
Personally I think it is not worth to take it unless you need the money urgently. The cash advance fee for credit card normally is around 18% p.a. So it is consider cheaper to take the Ezy Cheque than to take credit card’s cash advance.
If the cash advance fee is 2% or less, I think I will take it because I can use the money to invest in stock market or mutual funds, where I think I will get a better return on the investment (more than 2%).
I think most people may have a same dream in their life – to achieve financial freedom. I am having the same dream too.
Financial freedom means that you are in control of your money, rather than it controlling everything you do. It’s a long journey to achieve freedom: learn, fail, learn and fail… the only success.
What have you done to achieve financial freedom?
ChartNexus is a stock analysis software that runs in Windows Operating Systems. It is a tool more to technical analysis than fundamental analysis. I used this software long time ago but stopped for a long period due to my journey to New Zealand. I’m now re-learning to use this software again and maybe can learn to create my own “formula” to buy stock.
I tried to transfer some money from Maybank2u to my stock account but failed at requesting the TAC number yesterday afternoon. I made 5 TAC requests (each after 20 minutes of the previous request) and only 2 TAC numbers were sent to my mobile phone.Â
The first TAC number will become invalid when you have made a second request. The corresponding TAC number is only for the corresponding log in session and therefore it becomes invalid when you login for the second time.Â
It is quite irritating when the TAC requesting service is slow because you need to make sure the login session is active until you have received the TAC number! Â
When I try to transfer money, it popped up a Maybank2u Online Payment Window. After logged in, I only have 5 minutes time because the session will expire after that. To allow the transaction to be done successfully, you will need to request and key in the TAC number.
After I have made the first TAC request, there was no response from my phone although the websites said it was sent successfully. Â And I have no problem receiving SMS from my friend and Public Bank. After that I tried to request a few more times and I have to keep clicking on the “Online Payment Popup Window” in order to keep the session active (or else it will keep complaining the session will be expired in the next 30 seconds after 5 minutes).
The first TAC number was sent to my after more than half an hour. And only total of two TAC responses out of 5 TAC requests were received. So the 2 TAC numbers were invalid and I expected to receive another 3 TAC. But at the end I did not receive anymore.
So I gave up. And I will try to transfer the money again tomorrow morning. Luckily it is not urgent. Sigh..