Selling fish online in Malaysia

Selling fish online in Malaysia

In Tanjung Dawai (Kedah state) have about 3,000 residents who are mostly involved in fishing or producing fish-based and seafood products. But the fishermen in Tanjung Dawai have some difference activities other then halieutics everyday. They are auctioning their catches through e-mail.

These pictures are showing what residences of Tanjung Dawai do and sell to survive thier lives.

Welcome all bidders from all over the world to place bids from 3pm to 7pm (Malaysia time). So far only attracted wholesalers from Penang and Kedah this is because of the system is still new.

Bidders who wish to own the fish he or she can states the price by e-mailing to this e-mail address pnktdawai@yahoo.com. After the bidder stated his or her price, the price will be flashed on the television sets for fishermen gathered at the auction hall. If there is a deal, then the bidders will be emailed. The bidders must register their name with the association (by calling 04-4572106) and a code number will be provided to participate in the bidding. In this case, the bidders must bear the transportation costs and the association would impose a 5% surcharge on the buyers.

The fishermen have to spend 3 days and nights at sea to maintain the volume. This is because of the 50% drop in catches causes by the tsunami in year 2004. Because of poor catches and high demand, the price of fish has gone up by between 20% and 25%.

Even the price of fish has increase but there is no effect to the association. The association had 1,204 members by today. They hope to create their own website one day. Kuala Kedah Fishermen’s Association Board of Directors chairman Abdul Hamid Bahari said the fishermen in Kuala Kedah would also go high-tech next year, after the association’s new complex in Keloncor was completed.

The system benefited the fishermen as they could get the best deal with their bidders!

Credit Card debts: Causes and Prevention

Credit card debt is an example of unsecured consumer debt.
Debt results when a client of a credit card company purchases an item or service through the card system. Debt accumulates and increases through interest and penalties when the consumer does not pay the company for the money he or she has spent.
The results of not paying this debt on time are that the company will charge a late payment penalty (generally in the US from $10 to $40) and report the late payment to credit rating agencies.
The late payment penalty itself increases the amount of debt the consumer has.
When a consumer has been late on a payment, it is possible that other creditors, even creditors the consumer was not late in paying, may increase the interest rates the consumer is paying.

Causes of credit card debt

Reduced income/same expenses
Always delay bringing expenses in line with a reduction in income as good reasons and let debt fill the gap.

Poor money management
A monthly spending plan is essential. Without one you have no idea where your money is going. You may be spending hundreds of dollars unnecessarily each month and end up having to charge purchases on which you should have spent that money.

Gambling
It is hard to stop gambling but loans are freely available. When a people start to gambling, the gamblers will not stop to gambling until need to create the credit card debt or make loan from the bank.

Medical expenses
The medical industry wants to get paid at the time service is rendered. They know that if they don’t, the chances of their getting paid drops. This is because more debt for you, less for them.

Saving too little
People always spend too much (unnecessary expenditures) instead of saving because they do not have any financial planning at all.

Financial illiteracy
Many people don't understand how money works and grows, how to save and invest for a necessary, or even why they should balance their checkbook. The schools don't teach it, your parents may not have explained on it.

Prevention of credit card debt

CREATE A CLEAR BUDGET
People have to create clear budget and stick on it that includes monthly bills, food, clothes, entertainment and miscellaneous expenses will prevent from overspending and fall under deeper debt load.

DEAL WITH CREDITORS
Address the problem to creditors to investigate whether they could give revised payment arrangement when having trouble to pay off debts because running away is not a good solution. If not, may refer to Fair Debt Collection Practices Act if the collection of money from creditors is not fair enough. Creditors may approve proposal and accept modified payment plan when hiring a good credit card debt consolidation companies.

SELF CONTROL AND DISCIPLINE
One of the best practices is to have a direct set up so that able to pay back the full amount each month and use in emergencies. Thus, self control and discipline to keep these cards in wallet and would not overspend.
If you think you have bad in self control you can tear up credit card applications when the credit card company sends you those application forms.

Starts to spend less from today and stay with well financial situation.

The application of 3rd party certification programme in Malaysia

The term “Third Party” is usually used in the connection with any relationship between two parties or entities to refer to some other person or entity with some involvement. In other words, third party certification agency is a reliable party to ensure public's welfare. Third party certification programme in Malaysia include Trustgate and VeriSign.

Trustgate, is a licensed Certification Authority in Malaysia since the year of 1999 to meet the growing need for secure open network communications. Trustgate provides both security solutions and leading trust services for different level of community. These include individuals, organisations, government and e-commerce service providers using digital certificates, digital signatures, encryption and decryption. With the vision of “To enable organizations to conduct their business securely over the internet, as much as what they have been enjoying in the physical world”, Trustgate work towards its vision and successfully become the leading service provider of internet utility company and be a world-class e-environment.

Follow by the VeriSign, is the world's leading internet Certification Authority. A trusted third party that authenticates, issues and manages digital certificates on the internet. VeriSign has the goal to create and operate transformational infrastructure that becomes indispensable to society. Verisign's innovators are non stop conducting technology and business research from time to time in order to further this goal and ensure it is achieved. VeriSign provides a critical layer of intelligence and security that enables key transactions, protects data and information to be safely delivered. VeriSign also provide the authentic site services. Authentic site is a web site which operates a secure server to secure the communications and encrypted transactions with site visitors through their browser connections. A company needs to submit documentation to VeriSign in order to become an Authentic site. VeriSign will then check and verify the company's right to use a specific company name and internet address. After the investigation is done and VeriSign is satisfy with it, VeriSign will issue that particular site a server digital ID as the site's unique identity card and can be viewed by visitors to the site. Besides that, VeriSign also come out with this VeriSign's Authenticode. It is a well known technology in the market which a lot of the people have already come across it. It is a technology that reassures that the downloaded plug-in into the browser has not been tampered since the original developer complied it.

As a conclusion, with the help of these trusted third party as the reliable agency, internet users feel more secured when they performing their internet activities.

A review on a post on internet security

Nowadays, because of advance in information technology, many people force to using the computer to perform their jobs. But some of the issue raise is that we have to secure our computer by attacking by virus. With the latest news, more than 1 million computer viruses in circulation now. This is a huge amount that we have to concern about. In China, 1 million computers were attacked by viruses. This is not the first time China's web user are experiencing problems recently. During last year Christmas holiday, Internet access was slowed down as the result of the earthquake at the Pacific Ocean. This indicate how dangerous id the viruses to spoiled. Beside that, Malaysia Government has approved RM43 million to set up an international centre which offer the world the best brains and facilities to help fight cyber security threats. The center is called International Multinational Partnership Against Cyber Terrorism (IMPACT). It will be based in Cyberjaya with leading names in the IT industry serving on its advisory board. This may increase the internet security for home user but also for organization. Not only for computer security being threat. Mobile devices can also be infected with mobile malicious software (malware). Currently, there are a few hundred mobile viruses as compared to hundreds of thousands of PC viruses. Although this figure is small but don't forget that there are more mobile phones in the world as compared to the PCs and laptops.

How to safeguard our personal and financial data?

Recently, the powerful of Internet has been increase day by day. In other words, we live in an increasingly online world. Although it increase in the use of Internet, it's increase the cyber criminal too. Identity theft has become one of the most frightening non-violent crimes of the 21st century and has become all too common So, it is important to safeguard our personal and financial data to access by unauthorized user to take advantage on those information.

The following are some suggestion to safeguard our personal and financial data:

1. Do not give and fill any personal or financial data through online
It is important not to do so because some website might be not a "true" website. It's happen especially intended "person" intend to steal your information such as phising which is common example that makes user get into trap. Phishing is the criminally fraudelent process of attempting to acquire sensitive information such as usernames, passwords and credit card details, by masquerading as a trustworthy entity in an electronic communication. So, the users are advised not to give any information especially personal and financial. Example, any request by the online bank on the detail through internet, the users are recommended to get confirmation by the Bank and is more proper go to the Bank to fill up the detail.


2. Only Make Purchases On Trusted Sites
When deals seem too good to be true, they just may be - you might be paying as a victim of identity theft when you make purchases on websites that aren't secure. There are lots of small online retailers that don't have adequately secure payment systems. The best way to make sure that your information doesn't get intercepted is by simply sticking with trusted, well-known online retailers, or smaller sites that use reputable payment processors like PayPal or Google Checkout. Regardless of which site you use, you should always make sure to look for the padlock icon on the bottom of your browser to verify that the page is safe.

3. Having a proper antivirus and anti spyware and keep on updating
Antivirus and anti spyware shows a very important characteristic to protect your information and computer. It is used to prevent virus to attack the computer and anti spyware takes a preventative approach to spyware, focused on spyware’s main entry point, Web browser. So, the cracker cannot easily break into the system to access personal and financial information of the user. The antivirus and anti spyware's software needed to keep on updating to have more strong prevention on the latest trap on the time basis. Example of these software include AVG Antivirus and Antispyware, Ad-Aware Professional SE, SpywareBlaster,SpyBot - Search & Destroy, Norton AntiVirus, McAfee Anti-Spyware, and etc.

4. Choosing Passwords to Protect Personal and Financial Data
Users and recommeded to choose passwords that would be difficult for someone who knows you to guess. So, if a friend or coworker can not figure out your passwords, someone who does not know you probably will not be able to do so. It is important that never use personal information numbers for passwords. For example, telephone number, birth dates, identity card number, and etc. Beside that, passwords is advised to change occasionally. Athought this is time-consuming, but not as time consuming as recovering from identify theft. At the same time, do not repeat password. It is obvious that the same password should not be used for every file, website, server and system that you log im to, but many people still fall into this practice. If you use the same pasword for many financial and personal records, magine the damage you will incure if someone finds your password for one set of records. Use a different password for each account, website and so on.


The above might be some way to safeguard our personal and financial data. Thanks.