Free DECT phone and talk non-stop (sort of)

I always wanted to get a cordless DECT phone but the price is high about RM139 for a good phone and even the China made ones costs around RM89 each. Guess what? Now I am getting it for free coz I just signed up to Telekom Malaysia's special offer for Streamyx users where for RM10 a month, I get to talk TM to TM land line nationwide non-stop and I get to keep a DECT phone for free if I subcribe to the service for 6 months. Otherwise, I pay RM50 if I end the contract before 6 months. After 6 months, you can end the contract without any obligation and you get to keep the cordless DECT phone. It's that wonderful? Call TM's 100 hotline for more info.

So now every month I pay RM60 for the streamyx combo and RM10 for land line talk. I use my hand phone if I want to call another handphone user coz at 30 sen per minute is still steep for me. So my total monthly phone and internet bill is RM70. Fantastic!

Check your bank loan rates

On 24 February 2009, Bank Negara reduced the Overnight Policy Rate (OPR) from 2.5% to 2% to give the public more disposable income. This reduction, in turn, was reflected in the reduction of the BLR from 5.95% to 5.55%.

However, many banks have yet to reduce the monthly loan repayment instalments for facilities where the interest rate is pegged to the base lending rate (BLR).

Banks have the option of either shortening the tenure of the loans and maintaining the monthly loan repayments, or reducing the monthly repayment and maintaining the tenure.

Some banks are waiting for borrowers to write in to request a reduction instead of implementing an auto reduction.

So, the best thing to do is to check with your bank if they have reduced the bank loan rates or not. This could save you a lot of money.

Source: The Star