Credit Card Debts: Causes and Prevention

Causes:
Nowadays, credit card debts became a finance problem face by most people. There are some causes leads to people deal with credit card.
1. Poor money management. A monthly spending plan is necessary. However, most people do not concerned about this and they keep on spending hundreds of dollars for unnecessarily expenses. This lead to their expenses is greater than their income.
2. Spend money they don’t have. People purchase an item not pay by cash but pay by credit card. They don’t think about whether that cash would be better used towards a debt or towards the purchase. This action will add more debt for them.

Prevention:
If you want to avoid debt in the future, it can seem like an impossible task to accomplish. But there is hope and you can avoid all debt in the future. Here, I listed out some prevention.
1. Create a realistic monthly budget. Write down every source income and monthly payment to make sure that your payments are covered by your income. This budget gives you a track of all of your expenses to see where your money is going. This will help you to cut down some unnecessary expenses.
2. Avoid impulse purchases. This is a great way to save money to prevent credit card debts. Only purchase items that you really need instead of not necessity items.
3. Use a debt management program. Debt management programs can be a great help to keep everything in order. These debt software programs can let you see at a glance where you can improve and where you have succeeded.

The application of pre-paid cash cards for customers@@

Prepaid cash cards are designed to be used as a safer alternative to cash. You will never go into debt once you apply for this card. There are several benefits of using the pre-paid cash card for the customers. Fist, the security features can protect the consumers against theft and fraud using personal identification numbers (PINs). Second, consumers who use pre-paid card to purchases goods are free of interest charges associated with credit cards. Third, the customers can easily and conveniently transfer funds to friends and relatives anywhere. Furthermore, the most important issues that the customers look for is security. By using pre-paid cash card, they can reduce the amount of cash to be carried, thus it is much more secure.

The common type of pre-paid cash card in Malaysia will be “Touch ‘n Go”. It is an electronic purse that can be used at all the highways in Malaysia, major public transport in Klang Valley and selected places. Since it is a pre-paid cash card, the customers can continue to use this card as long as it is pre-loaded with electronic cash. And it is very convenient to be reloaded. Customers can choose to reload in the authorized third party outlets, such as PETRONAS kiosks and the reload denomination is ranging from RM20 to RM500. Obviously, Touch ‘n Go provides high speed for paying for low fees. Customers do not need to queue in the long cash lane to wait for the transaction to be completed. Therefore, it is really welcomed by Malaysian.

Besides that, the application process of Touch ‘n Go is as easy as ABC. Customers can get the card easily from Touch ’n Go Sales Counters located at highways, such as PLUS and Penang Bridge. Customers only need to fill in an application form and pay RM10.00 for each card with one-year warranty period. Customers can choose to reload value from RM20 to RM500. Other than Touch ‘n Go, Starbucks Coffee also provides pre-paid card for its customers. Customers can load cards with cash to buy coffee or charge merchandise bought elsewhere. Wal-mart is also going to launch the pre-paid cash for its customers.

As we can see, pre-paid cash card has become increasingly important in the marketplace. Having pre-paid cash is not a difficult manner and it could bring us a lot of benefit.

A review on "Buying clothes online that fit your measurement"

Have you ever buy products online? The elements of a good online retailing is simply defines as a term of e-tailing. I found an interesting post from “My E-Commerce Blog”- Buying clothes online that fit your measurement.

Nowadays, there is an increasing number of consumers spent more money online for clothes. Do you know $9.6 billion worth of apparel was bought online in the United States last year? It was really amazing and none of them tried the clothes before they decided to buy.

However, there were several deficiencies in buying clothes from the e-tailing websites. For instance, the online shoppers experienced incorrect measurement of body dimension and style preferences are different from various groups of consumers. Meanwhile, online retailers are striving to solve this problem and provide their basic body dimensions and style preferences. Thus, it is really a good choice for online shoppers to buy their clothes online that make them fit well and suit their taste.

Besides, there are some websites available for consumers to customize their clothes and shoes online. They also offer a more realistic look at the clothes. Namely, Nike, Land’s End and Timberland. Hence, we can imagine that how well the online retailers have done their good job in order to attract more online shoppers and make online clothes shopping easier.

For my opinion, a majority of people would still prefer store shopping because it can let us try the clothes and look properly the design and display of the clothes. In addition, we also can direct communicate to the sales assistant to gain more information about their sales and sometimes we can even bargain the price with them. For online retailers, i believed that they will try to attract more online shoppers by creating more kids and mens apparels online retail websites in the future as it's really a marketable business.

Several Online fashion store that u can shop with simple steps or u may click it to have a look^^

http://www.thedreamfashion.com.sg/

http://www.asos.com/

http://www.topshop.com/webapp/wcs/stores/servlet/TopCategoriesDisplay?storeId=12556&catalogId=19551

http://www.somucheasier.co.uk/womens-clothing.html

Electronic Currency......@.@

Electronic currency provides a secure means of conducting transactions in electronic commerce. Nowadays, electronic currency, as a popular means of exchange and of storing value in the world is challenging the traditional trading. Besides, electronic currency is a secure and convenient accounting tool, but also becomes an important way for the modernized bank to serve their clients.
Most of the time, electronic currency system is not online for public. As electronic currency system is bank to monetary information designed pad holder could supply only payable amount as transaction codes.

Global electronic currencies will benefit Internet commerce in three ways.
First, the currencies can serve as universal media of exchange. Once a user acquires a global electronic currency, they can enter into transactions around the world without having to pay exchange fees. Second, the currencies will provide global units of account, enabling buyers and sellers all over the world to understand what goods and services are worth without calculation. Third, and perhaps most importantly, global electronic currencies will serve as stable stores of value. Competition will drive unstable products out of the market. Unlike national monies, private currencies will not be subject to the inflationary monetary policies of national governments and the special interests they represent.
As a result, the development trend and future of electronic currency are essentially a system that allows a person to pay for goods and services by transmitting a number from one to another.

Phishing is a new type of network attack where the criminals use e-mail to try to lure the fool users to fake website, which seemed to be sent by banks or other organizations. E-Bay and online banks are usually their targets. Eventually, the victims are instructed to login to their account and enter their personal information, such as bank PIN number, user ID, password of their credit care and so on. This information is then sent to the criminals who then use that information to engage in fraudulent activity.

There are several prevention methods that can help users to prevent phishing. First method is to enhance the security of the web sites. It can be done through hardware devices. For instance, the Barclays Bank provides a hand-held card reader to the users. The users are required to insert their credit card to the card reader and key in their PIN code, and then a password will be created. Only when the right password is keyed in, then the users can perform transaction online. Other than that, biometric characteristic such as fingerprint and voice can be used for user authentication.

Besides, method such as detecting and blocking the phishing Web sites in time also can help to prevent phishing. We can block those sites if we can detect the phishing Web sites in time. Furthermore, users should be educated to understand how phishing attacks work and be alert when phishing-alike e-mails are received. And users should never respond to e-mail that requires you to enter personal information directly into the email.

Example of phishing is provided in the left hand side. The phisher require the users to update the information in order to maintain the online services and it provides a link for the users to update their information. Some would also threaten to close your account if you do not take immediate action by providing personal information and so on.

A review on a post on Internet Security from My E-Commerce blog- New Spamming Tactics

Internet security is the prevention of unauthorized access or damage to computer system through internet access. Most security measures involved data encryption and passwords. But now days, the internet security is breakdown by the spammer using some new tactics. They come out with a new tactics that can easily used to steal other person confidential information via sends unwanted or inappropriate mail. Such new tactics are PDF Spam, Greeting Card Spam, and Piggyback Spam.

Greeting Card Spam, I think is the most easy and big chance that we get spamming. Greeting Card is the most frequently we received from our friends. But this type of card requires us to click on the link to view the full-blown greeting card online. If we click on the link in a spammer’s e-card, it is most likely we are downloading a virus or loss our confidential information.

Piggyback Spam is a highly graphical e-mail messages that look like they come from large retailers. These messages will require us to click on a link to view the message properly. That’s the way spammer success to access our computer system once we click the button.

We are responsible to protect our confidential information from being spam by others. If we receive any e-mail messages from unknown person or a retailer you’ve never heard, just delete it immediately.

The threat of online security: How safe is our data?

Today, the advancements in technology grow rapidly. People choose to work at home or even perform online transaction via the Internet. However, there is a deficiency of online security on the web. We need to recognize that the hackers still can get or destroy our data though the firewall software has being installed in our operating system.

The Internet has become the lifeblood of many organizations and businesses. As the Internet enabled a new era in online convenience and efficiency, its rapid growth has brought with an array of new security threats to the financial assets of both business and individuals. For instance, spyware is threat lies in the ability track online activity, stealing or even abusing personal or corporate data for sales or for any intended purpose; Malware infectons, keyloggers malicious code and Web based viruses.

The Internet enables consumers or users to perform all sorts of data transfer. Nowadays, people no longer need to go to the counter to seek for some public records as they can use the governmental web sites to access those data. Thus, there is definitely a potential for that information to be abused when it becomes readily accessible.

Normally, the terms of social networking sites usually allow the creator access to individual account data, it will creating a potential security problems. The issue is that the threat of online security occurs since we are providing our exact details about personal address, mobile phone, sensitive personal information. Especially, individuals regularly provide such information or data through unsecured online website to make the online payment transaction.

To place a level of confidence and take control of the online security, new software and tools will certainly help to protect network though there is a greater security problem exist. The firewall software will help to block unauthorized computers from accessing the computer and allowing the user to minimize the threat before it becomes a problem. Hence, there are many types of this software for us to protect our data, preserve our identity to avoid any data or identity being compromised.

Since the threat to business and personal information assets is radically changing. We need to understand the tools and the nature of the threats in Internet security in order to attack the threat for our data.

How to safeguard personal and financial data

Method use by criminals to gain access to the personal information that makes the crimes possible are changing with our times. Today, criminals are discovering that personal data can be as good as money and they are increasingly targeting business to get it. Anti-virus software, step to avoid notified, use strong password, guard social security number and use a credit limit with a small limit can go a long way to protect personal database from loss and identity theft.

PROTECT COMPUTER SECURITY.Securing home computer is not a trivial task. Anti-virus programs work and look at the at the contents of each file, searching for specific patterns that will give virus signature for something known to be harmful. anti-virus program provides sereval options on how to respond, such as removing the offering patterns or destroying the files.

STEP TO AVOID NOTIFIED. Individuals can use to be notified when their sensitive personal information has been breached, so they can take reasonable step to avoid becoming victims of identity theft. For Examples, carefully checking their credit reports, reviewing their financial statements and fraud alerts on their credit files.

USE STRONG PASSWORD. Passwords for computer are much important for us to safeguard personal and financial data. For each computer and service we use for online or purchasing must have a password. Furthermore, each password should be unique and unrealated to any of other passwords.

GUARD SOCIAL SECURITY NUMBER. Social security number maybe on driver's license, health card, student ID. It may be available for thieves who want to imprersonate or rob you. By doing this way, give social security number only when absolutely necessary, and ask to use other types of identifiers in order to safeguard personal and financial data.


USE A CREDIT LIMIT WITH A SMALL LIMIT AND REVIEW BANK STATEMENT. It is easy for us to safeguard financial data because the card use for purchases goods has a low credit limit, at least thieves won't be able to more than credit limit. Besides that, if the object to any entry or omission in your account statement in respect of any calender month, must immediate inform the bank as failure to do so shall imply the acceotance of the account stsment and its correctness.

As conclusion, there are several step highlighting the important of protecting user from the threat of identify theft.

Largest European dot-com failure>>Boo.com

Development of e-commerce has boomed in the recent years due to the globalization and the advancement of the modern technology. However, not all companies will be survived in this business world with the modern technology. Due to several factors, such as unimpressive and non-persuaded marketing capacity, they normally fail to compete in this business world. There are a few of reasons that lead to the failure of an e-commerce company. The company does not understand the needs, market demands and buying habits of their targeted customers. In turn, they fail to attract customers. Researches have found that around 60-80% of the e-commerce business facing bankruptcy within 5 years of the start up period. There are a number of failure cases of e-commerce business. I would like to share with you one of the top 10 dot-com flops, which is Boo.com.

Boo.com has proved the researchers’ findings for which the e-commerce business would normally result in bankruptcy in the initial 5 years of their existence. Boo.com started it business in the year of 1998 and was placed under receivership on 18 May 2000. Boo.com eventually burned around $160million before its liquidation. It was a United Kingdom Internet company with an intention to sell branded fashion apparel over the internet and it was founded by Ernst Malmsten, Kajsa Leander and Patrik Hedelin. Their vision for Boo.com was to become the world first online global sports retail site and their targeted audience can be characterized as ‘young, well-off and fashion-conscious’ 18-24 year olds. Initially, boo.com was only available in UK, US, German, Swedish with localized versions for France, Spain and Italy added after launch. The boo.com was tailored using the local language of the particular countries and currency and also the local prices. Orders were fulfilled and on-time delivery rates approaching 100%. However, conflicts occurred.

It was difficult to get fashion and sports brands to offer their products through boo.com in the initial stage. Producers had already maintained a well distribution network with the retailers. If the apparel brand allowed boo.com to sell their apparel in the internet with the lower prices, this would create conflict in term of retailers’ interest. Besides that, the phenomena that different selling price in different geographical area existed also. There was no consistency of the selling price in different places that may confuse the consumers. Other than that, poor management and communication between the departments also caused the cost increasing. Besides, a lack of direction and information was given to the staff and contractor. Since then, it caused the employees to stand alone with their own goal. Boo.com also recruited a lot of staff. There was around 350 staff in different countries. It resulted in high payroll cost. Along with the high cost incurred, it consistently reduced the revenue of boo.com.

Another important issue that caused failure in boo.com was the broadband technologies at that time. The boo.com website relied on JavaScript and Flash technology to display the Miss Boo, a sales-assistant-style avatar. It also required several hundred kilobytes to load the home page. Since the broadband technologies at that time were still in the development stage and only 20% of UK households had accessed to the internet but using slow dial-up connections, it took the users long time to load for that site. The boo.com website was also criticized as poorly designed and complicated since the site was to be displayed in a fixed size window that limited the space for the product to be displayed. It is also said that the failure of boo.com was that it built the business across too many countries for which it has exceeded the capabilities of most internet users’ computer.

We can see that those weaknesses in boo.com dealing with its e-commerce business. With the increased competition in the e-commerce industry and globalization, it has totally changed the business trends. There are still a lot of successful e-commerce business, such as Amazon.com and e-bay.com. Their successful is due to its strong organizational and effective team management strategies. Both external and internal factors are really important in determining the successful of e-commerce business. It is not an easy way to establish an e-commerce business nowadays since we can see that there are still a lot more failure cases of e-commerce. Therefore, before having a business online, we need to consider cautiously.

How E-Commerce can reduce cycle time, improve employees' empowerment and facilitate customer support??

Today internet has become the well-known sales channel for many businesses. From an online merchant’s business perspective, company who running and managing an E-commerce site has become more and more.

E-commerce is an ideal for capturing and simulating a process through the intranet. Customers from all other the world can then easily walk through the company automated marketing, selling, buying and paying process. The company who take up the e-commerce can reduce the cycle time especially in the purchasing department. The purchasing department is responsible to ensure the inventory is available response for customer demand and set up the re-order quantity to the supplier. A company which applies the e-commerce is designed for automatic re-ordering. The re-order point and re-order quantity are set up in their legacy procurement system. Once the stock falls to the re-order point, the system will automatically send a purchase order to the supplier. When the items delivered, the system's stock information is updated.

E-commerce can empower employee by allows the decentralization of decision making and authority. These types of company create knowledge, store it, improve it and then share with the employee by using the intranet technology. E-commerce is not only facilitating the empowerment of employees, but also allows for inclusive decision making and bottom-up feedback. This is an excellent tool for removing communication barriers and allowing information to flow freely throughout a company. Management can set up a forum or chat groups to allow employees to discuss their ideas for newly released project work. After that, executive management can make a good decision by refer to feedback as of employee.

E-commerce provides a faster exchange of information between the company and the customer. Its allows the company uploading information to their web site on products, services, prices, contact details and makes it easy for customers to find what they want at any time. Any requirements, purchase orders or delivery schedules can be customers e-mail within seconds to the company all over the world. The whole process of buying and selling can be made much more efficient using e-mails.

History and Evolution of E-commerce

E-commerce has always been a part of our lives. Most of us make business transactions online on such a regular basis that it is difficult to imagine a time when you were not able to do so. The meaning of electronic commerce has changed over the last 30 years. E-commerce consists of buying and selling of product or services over electronic systems such as the Internet and other computer networks. The development of e-commerce throughout the world ranges from the widely adopted use if the internet as a medium for both business-to-consumer (B2C) and business-to business (B2B).

During the 1970, the earliest E-commerce involves the sharing of database between supplier and their customer. The next stage of development involved electronic trading initiatives, such as Electronic Data Interchange (EDI) and Electronic Funds Transfer (EFT) are firstly using by e-commerce to develop global technology. EDI is a principal aims to develop electronic surrogates for the myriad of paper form used in commercial transaction such as purchases orders, bills of lading, and invoices. Since the early 1970’s, efforts have been underway to develop and allowed standardized data formats for business transaction.

The growth and acceptance of credit card, automated teller machines (ATM) and telephone banking also a form of electronic commerce in 1980’s. In 1980’s, the introduction of ATM card was the latest improvement to electronic commerce. The technology allowing this kind of commerce took hold in the 1970’s and grew steadily throughout the 1980’s. However, from the 1990’s onwards, this would include enterprise resource planning system (ERP), data mining and data warehousing.

The development of e-commerce among the general public in 1994, many journalists and pundits forecast that e-commerce would soon become a major economic sector. The security protocols for example HTTPS to become sufficiently developed and widely developed.

Particularly for leaders in the specific space of e-commerce, the evolution form startup, to an unprofitable good idea, to a profitable good idea need taken some time. But companies like Amozon.com and e-bay.com has successfully broken through, establishing themselves as a viable, long term business and playing an instrumental role in cementing the role of e-commerce in the general culture.

An example of e-commerce success and its cause

Nowadays, public marketplace has been replaced by a computer screen, where almost anything can be purchased at any time of the day or night. Consumers are often eager to spend money online. Indeed, they are increasingly number of people would like to do their shopping from the comfort of their own home, in pajamas and slippers, with a cup of coffee in hand. In order to earn the trust and confidence of more consumers, e-commerce merchants have to work harder than ever to differentiate themselves.

There are early success stories - amazon.com, eBay, eToys and Dell to name a few. All these companies automated their businesses and they provide good value to their customers.How do we define "e-commerce success"?It is an e-commerce website that actively makes a favorable net profit. In addition, the implementation of effective business strategies and a strategic management process is encouraged and needed for company in achieving long lasting success of an e-commerce company.

An example of e-commerce success….

Amazon.com, Inc. (NASDAQ: AMZN) is an American electronic commerce (e-commerce) company in Seattle, Washington. It was launched in 1999, which is an e-commerce best known as the first online retailer of the Internet world. Amazon.com has immensely gained economic profit with respect in e-commerce all over the world due to its implementation of strong organizational and effective team management strategies. Amazon.com has 35 million customers and lists millions of unique items in categories such as electronics, kitchen and house wares, books, music, DVDs, videos, photography equipment, toys, software, computer and video games, tools and hardware, outdoor living and wireless products.There are many key success factors of Amazon.com that also create the competitive advantages to compete with other companies in the area of electronic commerce. Especially, Amazon.com is the only website that contains altogether web books, business brands and retails on a single-web-based business. Dealing with a wide range of books becomes the major source of income and it leads the internet business become successful.

An e-business initiative typically involves participation and buy-in from sales, marketing, customer support, accounting, MIS, and senior management. The customer relation management is the most significant and unique quality of Amazon.com. Apart from that, Amazon is at the forefront of integrating e-business systems into every element of the value chain, embracing B2B, B2C, and intra-organizational systems in an attempt to attain sustainable competitive advantages over incumbents within its markets.

The strategy to work better and adopting a strong base of selling product distinguish Amazon.com from other e-commerce organization as well as expanded its commercial activities. Besides, a clear customer identification assist the Amazon increase revenues. Furthermore, the company was becoming customer-centric by placing customer needs at the center of every decision and tactic, by fostering an atmosphere of customer loyalty and long-term relationship. The entire e-business strategy becomes more effective and profitable for the company.

Amazon.com is definitely integrate their e-business activities with other traditional sales and marketing activities. Moreover, it also attract the locals of foreign countries towards its business. Consistently, more people are familiar with Amazon.com since it provides more channels and branches of Amazon.com in foreign countries. For further information about Amazon.com, u can click on this website http://www.amazon.com/

Always go Ahead--LiNG LiNG ^.^'!

Hey…this is our blog, so I have to say something about myself. Sometimes it is hard to introduce yourself because you know yourself so well that you do know where to start with. I hope that my impression about myself and your impression about me are not so different.

My name is Lee Ling Ling. I’m twenty-one years old. I come from Kuala Lumpur which lives in Maluri. I’m taking Bachelor of Commerce (Hons) Accounting in UTAR. I am a person who is positive about every aspect of life. There are many things I like to do, to see, and to experience. My hobbies are listening music, watching Hong Kong drama and traveling. I like to travel. The most place which I loving it is- New Zealand. I don’t really know why. But whenever I saw this word on the magazines or somewhere, I feel very excited. Maybe New Zealand has a unique and dynamic culture. Though a diverse and multicultural people, there are many qualities, including friendliness, individuality, invention and self-reliance, which you’ll find in New Zealand. It is national character that I love.

Top 5 websites which I visited the most is friendster.com. Because Friendster.com is the online social networks space for connecting other friends. The most internet activity is going to the forum.com to extensive knowledge and posting experience. Google.com is a popular Web search engine. Google New can provide a powerful tool for finding super targeted websites to get amazing traffic from. I usually search the information in this website. My daily activity is visited hotmail.com to check e-mail. Sometimes, I will go to msn.com to chatting with friends who studying in different country.

This is my e-mail address leelglg@hotmail.com. If u feel boring come to join me ya!!

**...pohyeng...** here

Hi, I am pohyeng and I came from melaka. Currently, I am pursuing a degree course in major of Accounting in UTAR. Normally, I will go back to my hometown once a week. Ha...I am eager to go back even though it has to take a few hours for the journey. Everytime my parents will prepare some of my favorite dishes when I back. Besides, I will also have my lunch time or even gathering with my hometown's friends. Thus, I will miss them so much if i can't back. Ha...

Unfortunately, the petrol price has been increased recently and my friends tell me that the bus fares will also be increased soon. It makes me sad T.T. I have to concern my monthly budget since everything includes the food, accommodation; many fees & etc. have been increased accordingly.

Haiz…In addition, I found that this semester makes me stress since we have to begin our thesis research, and there are a lot of assignments and tutorials to do. Well, it seems that many tasks to focus and complete, but it can be an opportunity for me to learn if we think it as a challenges in other ways.

Ha…anyway, I will try to find my own way to relax myself. Having a good mood is most important for me to make the things done smoothly and quickly. So, I would like to listen songs and music when I under pressure or during my homework time. Sometimes, I will take a piece of blank paper to draw. I like to draw and make the paper to be colorful. But sometimes I will find that too colorful may not be good or nice as it will be seems as ‘messy’. So, I like to be nature. I am really enjoy and happy when I get myself in drawing. Besides, I would like to do some handcrafts and I love design very much. Although I didn’t take my further studies in design skills and knowledge, I also can get the latest information and many creativity of design styles through the numerous websites.

Nowadays, the internet website is part of our life and it is very useful for us to search any information whatever you are willing to know. Ha…let me share with you. The top five websites I will normally surf are: www.friendster.com, www.hotmail.com, www.google.com, www.lifelogger.com, and www.utar.edu.my The friendster websites let me to keep in touch with my dear friends who are studying in oversea and we can make new friends from other countries as well. You may also create a new blog in www.lifelogger.com to upload your favorite music, photo, video clips and there are a lot of internet activities that are welcome you all to join. Ha…how do I get the information such as the design styles and graphics? I believed that all of you are familiar with google.com. It’s really a wide search engine include the graphics or even flash, animation, sport, games, news and all that you may have fun. Let’s enjoy it.

Nice to meet you all and I’m glad to share more with you all next time. Have a nice day^^

LiTtLe of mE >> Vyvi@nTan

I’m Yunn Lng and some people call me Vyvian. I come a beautiful island, which is Penang.I find my name interesting, because most of the people would ask me this when they see my name.

How to pronounce this (Lng)?”

I would tell them a little story.

When I was born, my parents gave me a wonderful name, called “Yunn L’ng”. However the nurse who registered my name accidentally omitted (’), that is why my name looks curious to most of them. But it does help people to have a deep impression on me.

There is nothing special about me. I am just an ordinary girl as every girl. I have one specialty, that is I know how to play Chinese musical instrument, “er hu”. It is a traditional musical instrument that is originated from China. It is a kind of violin with two stings which, together with zhonghu, gaohu, banhu and etc. Besides er hu, I also specialize in gao hu. I have learned this instrument since I was in the secondary school. Nowadays, even though most of the youth like R&B, rock music, I found that there is still a group of people who like to play Chinese musical instrument. I really feel that if you guys have a chance; let’s listen to this kind of music. There will be a probability that you will love it.

Other than playing musical instrument, I like surfing internet also. Most likely I would access to Google, Friendster, meetoto, Nino Fashion and Msn. Google is a powerful search engine that I usually use it for my research purpose. Even though the google homepage looks simple but it changes according to the season and festivals. Other than that, I would strongly recommend for those who can sing well but he or she is too shy to sing in front of us to log in to meetoto. It is a website that provides us a place to sing online without letting others know who you are. Furthermore, I like online shopping also, especially kind of fashion things. I usually purchase clothes or bags in the Nino Fashion. It offers us good quality clothes with reasonable price. While for friendster and MSN, they are the way for me to meet friends and chat online. It saves me a lot time and telephone bills. ^^

Besides surfing internet, I like swimming also. Before I came to UTAR, I was the kind of people that afraid of water, and not dare to swim. Since I stay in the condominium, swimming pool is one of the facilities that are provided, therefore, I have such an opportunity to learn swimming. I was taught by my roommate who was graduated from UTAR last two semesters. Luckily, this swimming technique can be used when we had a trip to Pulau Redang last year with my classmates. I love Pulau Redang very much because of the white sandy beaches, crystal clear blue sea and brilliant underwater world. We had an opportunity to snorkeling and see the water world. Wow….it is amazing. I also took the chance to take a photo in the water world by a photographer. I really enjoyed the beauty of the natural there and it is really a good place for those people who need a place to relax.

yOkE self-introduction

Hi! My name is Mei Yoke. I live in Kuala Lumpur which is the most wonderful place in the Malaysia. I like tortoise very much but I don't like dog and cat. I have a wide range of hobbies such as playing computer games, watch television, shopping and playing badminton. On the other hand, drinking a cup of tea and chatting with my father on Sunday morning is the most enjoyable moment in my life. Sometimes I will go to www.xuanxuan.com spend a little time to playing computer games but except the exam period. I relaxed and enjoyed while I am playing the games. The website that I visited the most is www.hdzone.org , it is because this website consists of many information that I interested such as horoscope, psychology & IQ discussion, new electronic products information, traveling and others. In UTAR, I hope to meet many new friends and to learn many new things. I want to learn tennis, swimming, and many other things. I would also like to travel around the world and learn about the culture and the people. Right now, I am trying very hard to learn the English language, but it is very difficult to learn!!