Ramai pelajar mengatakan " nanapas tu tadau" yang membawa maksud dalam bahasa melayu, Matahari Sudah Terpotong atau Terbelah.
Namun itu adalah pengalaman berharga buat mereka semua.




THE GIRLS – 1,274,583 views (4.5 star rating)
THE GUYS – 1,364,321 views (4.5 star rating)
I accidentally stumble upon this 2 videos. Both of them have some kind of magic that keep drawing my attention. I really don’t know what to say about them. Are they ’similar’ or are they ‘contrast’? I don’t know, but I want to hear what you want to say. You will learn 2 words after watching them. First word “GEEGEEGEEGEE”. Second word “Yatta!”.
Why do some banks offer higher interest rate while some are lower (esp. foreign banks)? Higher interest rate means the bank need your money. Foreign banks are usually financially stronger and has strong backup from their mother company. So they are not worry about the money too much.
How do banks make money? Lim Goh Thong put $1,000,000 in the bank and the bank give him 4% interest. The bank then loan the money to Ananda Krishnan and charge him 7% interest. The bank make the difference 3%.
Let’s say now Ananda has a choice to get the loan from either AmBank or UOB. AmBank offer him 7% while UOB 6%, which loan do you think he will take? Foreign banks are smart, they want to get more customers. And customers are those who loan money and not those who deposit money! In order to lower the loan interest rate, the deposit rates must also be lower. Else they can’t make good money. This explains why foreign bank don’t offer good deposit rates but VERY GOOD loan rates.
So if you are smart, you will put your fixed deposit in 1 bank and get a loan from another.