TMRewards - Earn Money with TM!

TMRewards is the latest Telekom Malaysia loyalty program which reward subscribers with one point for every RM1 spent. This loyalty program is open to consumers and businesses (by invitation only). Points accumulated can be redeemed for cash vouchers, and goods such as trolley luggage, kids toy, perfumes and etc. You can also use the points for TM bill rebate of RM5 for 500 points, subject to a maximum of RM200 bill rebate per year and only redeem once per account per month.

The great news is that if you sign up online now, you will be given for free 500 points. To sign up, just hop over to this link. All you need to register is your TM phone number and your email address.

While this doesnt qualify as a unique side income revenue stream, but at least you get something out of this loyalty program, especially the bill rebates and cash vouchers. So, register NOW since you only accumulate points for the current and future TM bills.

The Journey into Stock Investment

When i first made my investment into unit trust in mid 2008, I have the confidence that i have the necessary knowledge, know how and platform to contruct a balanced portfolio for long term investment. However, half year through the investment jorney, I have to face with the greatest financial downturn in history in the mould of 2008 Global Financial Crisis (GFC). My balanced portfolio dived to a negative 22% territory but i stuck through it and pump in more money into my portfolio and yet still managed to achieve postive returns of 7% to date. I know that my portfolio still under perform my objective of annualized return of 8%, but unit trust investment is a long journey, so i will have to monitor and tweak the portfolio to enhance the performance in due time.

ING Prime MediPlus Rider Schedule of Benefits

As many of the consumers are aware of, ING Malaysia has a very popular standalone cashless medical card called ING MediPlus of which a patient only needs to pay a nominal fee of RM50 per admission to hospital, subject to the annual limit of his/her medical plan.

ING Malaysia has recently launched a derivative medical plan called Prime MediPlus. Prime MediPlus is a medical rider plan that can only be purchased together with investment-linked Prime Life or Prime EduLife insurance plan. You can either opt for cashless or pay-first-claim-later medical card for this medical rider plan.