Causes and prevention of credit cards debt

Now is 2.18am, I just came back from my cousin brother weeding dinner, feeling a bit drunk. Haha, dun misunderstand that I like to drink those alcohol drinks, I forced to help my cousin brother in fact because my cousin brother cannot drink much. As his cousin brother, all of us have to help to “serve” his friend who can drink much. At the end, most of us were drunk (I just help a little bit only, haha…) while my cousin brother still in good condition. Anyway, we complete our task…..

Well, is time to do my homework again. Today the topic I’m going to talk about is causes and prevention of credit cards debt. Nowadays, credit cards already became a very convenient and useful tool for everyone. Most of the person may think that credit card= money? Does everyone agree with this statement? I would say no because credit cards can be used to buy something rather bring lot of cash money but it doesn’t mean is the assets u having now. Debts of credit cards in our country keep increasing year by year because of the users spending their money by using credit cards without a proper planning and budget. Because of the amount of the debts became higher and it bring in the higher interest charged will cause to the burden of the users more heavy. Another issue would be the age of the user of credit cards decreasing which means there is more and more youngster using credit cards. Among the youngster category, we found out that most of them lack of the clearly understanding of the interest rate and some of them lack of the financial management skill as well which may cause this category having the large credit card debts.

To avoid this kind of problems happen on yourself, you may check out the following ways of prevention. First, think before u purchase a good or a product. Before users purchase the product, the users should think properly is that good useful or necessary for them. Another way is planning, planning playing a important tool in any life management. The users may plan the future usage or spending budget before they go for a shopping. Besides that, whenever a user purchased a product, the user may keep the receipt of the transaction and record it down to further refer. It may useful to give a notice how much they had spent for this period of time.

In conclusion, credit cards really a useful and convenient tool for our life but just depends on how the user using it. Use it smart and dun let this small plastic card become a burden for yourself or your family. Thank you…

Last but not least, I would like to wish my cousin brother have a sweet wedding memory and stay happily forever. ^^

The Application Of Pre-Paid Cash Card For Consumers

When talk about credit cards everyone know about the application and usage of credit cards. Average every person who is working has one credit card but nowadays a new prepaid cash card introduce in the market or in other words “Debit Card”. A pre-paid cash card system enables customers to make purchases, calls, and to participate in a survey using an authorized card. One of the famous prepaid cash card in Malaysia is Touch & Go. The Touch & Go cards are frequently use in highways. Secondly are the ATM cards. They are designed for payment transaction and withdrawal of money. It needs a secured entry of PIN at the booth.

Other countries like Hong Kong, the peoples in Hong Kong used the octopus cards to pay the public transport fees except for taxis and some public mini buses. Just wave the cards even the cards are inside the wallets of handbags the payment will be deduct instantly.

Besides that there is signature of full function of prepaid debit cards that used for transactions at every respective point of sale terminal carrying the Visa or Mastercard logo.

It can be used for paying bills and the function is same with the credit card. There are many benefits of using the prepaid cash cards where consumers who make debit card purchases are free of interest charges associated with credit cards. Consumers can transfer funds to friends and relatives everywhere and anytime and un-banked consumers can pay bills and purchase products and services on-line or through phone call and consumers may no need to carry cash to go for security reason.
I think that the pre-paid cash cards are benefits to all people besides using credit cards. People may know how to manage their expenses well without using credit cards as we can see that many people are going bankrupt because of credit cards debt.

Review on a post on e-tailing

Now is 2.23am, just came back from Gary’s concert, what a fantastic concert it was. Last few weeks, my friend asked me to go with her for this concert and want to buy the ticket on the spot, I considered for a long time and not so desperate to go actually. However, my friend bought the ticket for me and I have to go. In the concert, his singing was so fantastic and it just like I’m listening to his CD. One word can descried the performance, perfect~ well done, Gary…

Anyway, have to come back to work. This week I’m going to write two blogs which are causes and preventions of credit cards debts and a review for e-tailing. After read trough the post of my lecture blog which the title is Using Touch n Go card to buy fast food in Malaysia will be reality, found out that the usefulness of Touch and Go(touch n go). In Malaysia, Touch ‘n Go had become very popular and very convenient and useful card, most of the residents of Malaysia know what this card is although some of them do not use it. Touch ‘n Go can be used to pay for the toll at highway which can be considered as one of the main function of this card. It helps the users avoid queuing up for paying cash money. It takes times due to the workers of the toll have to pay back the balance with the receipt. If all of the residents in Malaysia using this kind of Touch ‘n Go service and it will be very efficient and effective with cutting a lot of cost and time either indirect or direct way.

Besides paying for toll, Touch ‘n Go provides the services such as public transport and parking paying device. The Touch ‘n Go’s users could see Touch ‘n Go device at parking entries or any public transportation which bring much convenience to the users. The users no need to queue up for buying tickets and they just need to use Touch ‘n Go cards touch on the device and check out the balance then they can entry.

Lately, Touch ‘n Go come out with latest function which is the users can use Touch ‘n Go cards to buy any items in these 21 outlets in Klang valley. The outlets mentioned are A&W, Burger King, Dunkin’ Donut, 7-Eleven, Carrefour hypermarkets, Caltex convenience stores and Cineleisure. Not long after that, Touch ‘n Go hope to increase the number of retail outlets by 20 a month and reach the target of 150 such outlets throughout the country by year end.

Although Touch ‘n Go having such competitive advantages in the market but there are some disadvantage of using Touch ‘n Go card. One of the disadvantages is the Touch ‘n Go users currently just using this Touch ‘n Go to pay their transportation such as toll, public transportation fees. Besides that, lack of reload center is a main problem the users facing and it will affect the growing of the product. Moreover, Touch ‘n Go card in user’s wallet can be treated as cash money, once it get stolen the credit inside the Touch ‘n Go card can be used by anyone due to this card is not registered. This problem causes the user not wishes to top up the Touch ‘n Go card with high amount of money.

In conclusion, Touch ‘n Go still is a potential product and could be successful like the Octopus Card in Hong Kong. To reach that goal, Touch ‘n Go still have a lot place to improve on to make it competitive enough in Malaysia market.

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

The threat of online security divides into two types of attack- nontechnical and technical. Nontechnical attacks are using chicanery or some other form of persuasion to trick people into disclosing sensitive information that can be used to compromise the security of a network. Nontechnical attack also known as social engineering, it preys on an individual’s desperate to help and fear of getting into trouble.

They are two categories of social engineering – human based and computer based. Human based social engineering relies on traditional method of communication such as communicate over phone. However, various technical ploys are used to encourage individuals to provide sensitive information in legitimate email form.

In contrast, software and systems knowledge are used to perpetrate technical attack. An expert hacker uses a methodical approach to conduct a technical attack and expose a system’s vulnerabilities over internet easily and freely. In year 1999, common (security) vulnerabilities and exposure (CVE) is established and one of the goals of the CVE list is to assign standard and unique names to each of the known security community throughout of the world.

Since year 2000, National Infrastructure Protection Center (NIPC) has produced a document summarizing the two top 10 lists: the 10 most commonly exploited vulnerabilities in Window and another one in UNIX and Linux. Distributed denial-of-service(DDoS)attacks and malicious code attacks are well know in CVE and NIPC lists and have affected million people.

DoS is an attacks on a Web site in which an attacker uses specialized software to send a flood of data packets the target computer with the aim of overloading its resource. With DDoS attack, the attacker gains illegal administrative access to as many computers on the internet as possible and uses the multiple computers to send a flood of data packets to the target computer. However, malicious code is classified by the way in which it is propagated such as viruses, worms, and Trojan horses. Some malicious code rather than benign, but it all has the potential to do damage. furthermore, we can get some current issues and cases about the internet security in detail from lecturer blog http://ecommerze.blogspot.com/search/label/Internet%20Security.

In my opinion, no matter how confidential and secret of data or information, the criminal can get it easily by using nontechnical or technical attacks if our safeguard or online security is very low, our data no longer safe anymore. A strong online security is needed in order to prevent or minimize the unwelcome person enter our computer or database.

Phishing example and prevention method

What is phishing?

Phishing is the action of assuming the identity of a legitimate organization or website, using forged email or web pages to convince consumer to share their personal information. The purpose is to commit fraud and also referred to as identity theft. The message or web page generated by phishers may look so official and authentic, resulting up to 20% of unsuspecting recipients respond to them.
The legitimate businesses that might be used are banks such as Citibank, online organizations such as eBay, PayPal, and EarthLink, internet service provider such as AOL, MSN and Yahoo.

How does it works?
Here is a prime example of how phishing works. On 17 November 2003, many eBay customers received email notified that their accounts had been compromised and were being restricted. After clicking the hyperlink provided in the email, a web page which just looked like the same as eBay’s home page appeared. To re-register, the customer were told to provide credit card data, ATM personal identification numbers, Social Security number, date of birth and their mother’s maiden name. However, the problems was eBay did not send the email and the webpage did not belong to eBay.

How to prevent it?
Treat all email with suspicion, the email body, sender’s address, return address, email header can be forged. Can call the organization and ask if it is legitimate or check its legitimate website. (See difference between spoof and genuine email).

Never use a link in email to get to any web page, type the URL directly to the browser’s address bar. Never send personal or financial information to anyone through e-mail. Regularly log into online account, do not leave it for more than a month.

Do not use same password for more than one site and use reputable firewall and anti-virus software. Ensure that all computer software is up to date.

If receives email refers to a web site, look carefully at the URL, beware of the @symbol and long URL which people usually not beware of. For example,

http://jd778823985225howf8shfMHHIUBd889yK@MIllerSMILes.Co.Uk">www.ebay.comSECURITYCHECKw8grHGAkdj>jd778823985225howf8shfMHHIUBd889yK@MIllerSMILes.Co.Uk

If you found out that you have been a victim of email phishing, call your credit card company, call your bank, change password, contact website involved, and make a report to the police and report to anti-phishing authority.

With the incresing cases of phishing over the past few years, we should always be careful and keep ourselves away from any potential lure and prevent ourselves from becoming the prey one days. Hope you all be good, be careful and be aware.

To get more information about phishing, please have a visit at http://www.millersmiles.co.uk/identitytheft/gonephishing.

How to safeguard our personal and financial data

Now is 10.57pm, just came back from music club annual general meeting, I’m still haven’t take my bath yet (smelly ah ~). Haha… anyway, now want to write my 3^rd blog for this E-commerce subject again.

Today the title I’m going to talk is how to safeguard our personal and financial data. Nowadays, every people using internet very often and some of them even cannot survive without their lovely tool which is computer including me ~ haha.. However, there are many threats of online transaction which may steal or copy your personal information even your password of your login account.

However, there are many ways to prevent or safeguard your personal or financial data that online users no need to worry so much. One of the ways is using firewall to protect the process of storing data on our system and prevent those unauthorized access online. What are firewalls? It is software and hardware that are intended to define, controlling and limit some access of a website or networks.

Besides that, encryption used more and more often nowadays to safeguard our data. Encryption is just like a document such as a sealed letter that the content cannot be viewed by anyone easily, and it needs a specific key to open it.

In addition, some of the users like to put a time out feature to reduce chance of data used by other user by automatically log you off of your current online session after a period of inactivity. For example, with the automated time out feature, if a user went out for a while, the feature will automatically log off the account and prevent other user from using it.

There are still many other ways to safeguard our personal data and I just choose some of the ways to explain. As an online user, we should protect our data more carefully and set the features which suit to our using style to protect your personal data the most. That’s all my blog, want to go out have some drink with friends ~

Haha………… bye

The Application of 3rd Party Certification Programme in Malaysia

Security is the main problem to be focused and concerned in entering into e-economy. The enhancement and ever changing environment in the internet market, needs a very well and high tech security infrastructure to increase the customer trust in doing transaction on internet.

Trustgate is the leading service provider of internet utility company, thus complementing the aspiration of the MSC to be a world-class e-environment.Trustgate has been licensed under the Digital Signature Act 1997 (DSA), a Malaysia law that sets a goal precedent for the mandate of a CA. They offer complete security solutions and leading trust services that are needed by individuals, enterprises, government, and e-commerce service providers' digital certification services, including digital certificates, cryptographic products, and software development. They provide the finest Public Key Infrastructure to companies that conducting their business through Internet for example MSC Trustgate.com Sdn Bhd. They provide secure open network communications and become the catalyst for the growth of e-commerce, both locally and across the ASEAN region with the 12 million in paid up capital.


Regarding to the increased phishing and spoofing attacks on internet, customer want to make sure that they are dealing with the trusted parties when they make transaction with each other. They want to make sure that the information given was channeled to the intended recipients and safe from intruders and Trustgate do provide the SSL certificates for server security of the transaction. Secure Site SSL Certificates protect the transfer of sensitive data on Web sites, intranets, and extranets using a minimum of 40-bit and up to 256-bit encryption. It includes VeriSign Secured Seal such as IBM, Compaq, Nokia and Maybank. For examples Maybank, the Maybank Group has adopted a combination of the following systems security and monitoring measures for online transactions.

Firstly is their firewall systems, strong data encryption, anti virus protection and round a clock security in their security systems in order to give security to their customers where it can detect and prevent any form of illegitimate activities on our network systems. Next is the regular review on the internal systems by the external security auditors. They also take every effort in ensuring collaboration with major vendors/manufacturers to keep abreast of information security technology developments, for possible and future implementation.

The third party certification programme will let people feel more safer to do transaction online because everyone will think that making online transaction is unsafe and by this it will change people's view.





http://www.msctrustgate.com/

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

The evolution of technology has benefits to the society like invention of robots to replace some human jobs, cars, computers and others but the enhancement of technology especially in internet has created a lot of security problems. For the past 12 months, according to the Symantec bi-annual Internet Security Threat Report and the review on the post more than 1million computer viruses in circulation now on 11 April , there are more than a million of Computer Viruses, Worms and Trojans in circulation. It seems the viruses has been planned to attack our computers. When our computers get infected by those viruses, worms and Trojans, our computer components will slowly destroy by them and we need to spend unnecessary money to replace the damages components.

Further more, I feel that we are no longer feel safe in using the internet. Our confidential information will be hacked by other people for their purposes and our so called privacy is no longer can be called private and confidential. Next is the cyber terrorism. Government spent a lot of money to fight against the cyber terrorism. Hackers nowadays are brave enough. They even try to get into the government to get some confidential data to be used for other purpose. For example Pentagon e mails are being attacked and it triggered the Pentagon to take off 1,500 e-mails accounts offline.

The hackers are trying to get some of the military information and you can imagine that, Pentagon being one of the most advance military organization in the world receives hundred of threats to its computer systems either from the young or adventurous hackers to the terrorist and how about us? Let talk about online transaction, there will be probability that our bank account will be hacked.

The hackers will transfer out all our money in our accounts without knowing who did that. Not enough by that, mobile devices can also be infected with mobile malicious software (malware) now. There are always new threats coming up everyday. And, we can’t stop these things from happening. All we can do is just read and update ourselves about the threat in internet security to make sure we are safe.

History and evolution of e-commerce

There have been several evolutions in the history of e-commerce. Electronic Data Interchange ( EDI) is a set of standard developed in the 1960’s to exchange business information and transaction, company still might not be able to interact with each other due to different EDI was used. In 1984, ASC X12 standard became more stable and reliable in transferring large amount of transaction and information.
There was a great invention in year 1992, the Mosaic web-browser was the first 'point and browser'. It was quickly adapted into a downloadable browser, Netscape which allowed easier access to electronic commerce. The development of Red Hat Linux was another major evolution in electronic commerce growth. It gave users another choice in platforms other then Windows that was open source and reliable.

In early year 2000, AOL and Time Warner was merged and push the electronic commerce. In year2006, expectations of higher prices as well as larger profits for e-commerce business. Companies such as Wal-Mart will take this opportunity to mixed strategy of having stores online and offline in order to be successful.
There was a large growth in Business-to-Consumer (B2C) e-commerce, which are businesses selling to individuals via online. Today the largest electronic commerce’s are Business-to-Business (B2B), Consumer-to-Consumer (C2C) where consumer sell to each other, and Peer-to-Peer(P2P) which allows users to share resource and files directly.


In my opinion, e-commerce is being advance due to high technology. We must appreciate it because the evolution of e-commerce bring a lot of benefit to us and keep on fulfill the business and customer needs.

Amazon.com success and its causes

With the advancement in information technology and changing trends in globalization, e-commerce development has boomed in the past few years and become more popular nowadays.

Amazon.com Inc was launched in 1994 by Jeff Becoz and reincorporated in 1996 with principal corporate offices in Seattle, Washington. It offers Earth’s Biggest Selection and seeks to be Earth’s most customer-centric company and has become the first best known online retailer of the internet world.There are a variety of factors that contributes to Amazon.com success story.

Firstly, it offers competitive price to customer by putting great effort to connect and interact with wholesalers in order to minimize the cost and able to offer the best lowest price to customer. Despite of the low price offered, it also makes sure that the product is of the same quality as any other product offered by competitors with the same price.

Amazon.com is famous with its wide range of books related to a variety of subjects and topic. It also offers lots of products related to different ages, interest, field and areas, including video, music, cell phone, hardware, software, health care product, households and much other stuff. The strategy to work better and adopting a strong base of selling products makes Amazon.com different from other e-commerce organization.

The efficiency in dealing the customer and continuously focus on their needs makes Amazon.com on top of all the other e-commerce companies.In order to achieve success in the global market, the company hires local employees in foreign countries to help them gather information about the local market and demand of the local potential customer.

It also provides users friendly interface with convenience and ease of use and help to maintain customer royalty. It provides high customer service, such as easy search, customize option, e-mail confirmation and always add useful information related to product. Besides that, it also provides safe, convenient and reliable payment system to customer. Customer will be kept informed of the transaction processing system; it also provides guarantees and adopting return policy.

With all the benefits offered by Amazon.com, it will be able to get more customers and expands its operation to more placse in the world. However, to maintain its competitiveness, it should keep on updating and focus on what customers really want and provide more outstanding and innovative products or services.

Go's com failure and its causes

Hmmm… is time to pass up the second blog already, now the time is 12.17am, just came back from dancing and feel extremely tired. Anyway, works still have to be done, some more my group members started nagging me lo ~ haha
Well, let's start, let me have some introduction first, Kenny here.. Today the topic is an example of an E-commerce failure and its causes.



E-commerce is one of the best tools of the business nowadays by creating unlimited opportunities among consumers and it creates a successful stories. However, in contrast, it also has created a lot of failure example such as GO.com. Started in 1998, Go.com was a combination of Disney's online properties and Info seeks, in which the Mouse had previously acquired a controlling interest.



One of the causes that caused this Go.com became a failure is lack of innovation and creativity. They were trying to mean this Go.com to be a "destination site" much like Yahoo. Although they spent millions and millions on promotion, at the end Disney was still not able to make this website popular. Another cause would be the logo of the Go.com. In early 2000 Go.com was forced to give up its logo because of a legal action taken by Goto.com due to similar logo problems. Because of that, Go.com had to pay $21.5 million in damages to Goto.com by court order.



However, Go.com end by shutting down due to many causes and it took a write off of 790 million from Disney. Therefore, GO.com became one of the top 10 dot-com failures of e-commerce. Until now, Go.com still existing as a function carries only feeds from other Disney Web properties.

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

Nowadays e-commerce plays a great role in reducing cycle time of business transaction, improving employees’ empowerment and facilitating customer support too.

E-Commerce can reduce the cycle time by eliminating steps in business process and take a shorter time to complete a business transaction. The process of middle man and intermediaries will be eliminated and the suppliers or producers of certain products can send products directly to customers. By this, the company can reduce unnecessary cost and gain competitive advantages towards other companies. For example, Dell Corporation which does not use any middle man to complete the transaction will definitely reduce cost incurred that to be added on price paid by customers.

Next, E-commerce can improve employees’ empowerment. It allows the decentralization of decision making and authority via collaborative commerce. It grants power to employees in dealing with process of capturing, researching and leveraging business information. Employee empowerment divided into 3 levels. The first level is encouraging. It encourages employees to play more active roles in their work. Second level is involving which gives employees responsibility for improving the way that things are done. Lastly is the enabling. It gives employees more and bigger decisions making power without referring to seniors or managers. As a result, it will benefit organization in term of getting closer to customers, improving service quality, innovating continuously, increasing productivity and gaining the competitive edge.

Lastly, E-commerce also facilitates customer support by providing a wide range of technological solutions and communication opportunity. It also provides electronic bulletin for customer in order to report fault and dissatisfaction. Customer has direct access to product information updates, and other promotion by visiting the online stores. Through online, it creates an interactive and more easier way for customer to buy the products that they need compared to the traditional stores.

http://amazingcommerce.wordpress.com/2008/06/15/discuss-how-e-commerce-can-reduce-cycle-time-improve-employees-empowernment-and-facilitate-customer-support/

Revenue Model of Google,Amazon.com and eBay

Google, Amazon.com and eBay are three well-known e-commerce incorporation around the world, but what makes them different is their revenue models, which is their ways to earn income. Google is a global technology leader that mainly earns revenue from advertising through its internet search, web-based e-mail, online mapping, office productivity, social networking, video sharing, and others channel. It has the largest, most comprehensive index of website and other content, and has made all this information freely available to anyone with internet connection. Although most of the services provided are free of charge to internet users, it still gains lot of profit from firms through Google AdWords, Google AdSense and Google Answer. Google AdWords is a pay per click advertising program that allow business to present advertisement to people when they are looking for information related to what the advertiser offer. Google Adsense helps to distribute relevant advertisement with search result and advertise on the Google Network members’ sites. Both of these are online advertising payment model which the advertiser has to pay for every time its advertisement receives a click.
Google Answer is an internet search which customer can ask question and researchers answer them, Google will keep 25% of the payment paid by customer, the rest will be sent to researchers.

On the other hand, Amazon.Com's main income is from retailing, which through selling wide range of products to three primary customer sets, including consumer customers, seller customers and developer customers. Besides that, it also generates revenue through co-branded credit card agreements and other marketing and promotional services, such as online advertising. Amazon.com’s revenue model relies heavily on third party providers such as Borders and Barnes & Noble, to maintain its sufficient supplies. The three operational strategies used are cost-leadership, customer differentiation and focus strategies.

EBay provides online market place for the buy and sale of goods and services to a diverse community of individuals and business. It provides services such as online payment services, informing seller and buyer when the auction is end, introducing category-specific bulletin boards and chat rooms for online communication offerings. EBay generates main revenue from collecting fees, especially from sellers. When seller listed their product on eBay, a non refundable insertion fee is charged based on their opening bid on the particular item. Once the auction is completed, a final value fee is charged on sellers, which is generally at a range from 1.25 percent to 5 percent of the final sale price.


All these three large global corporations are the leaders in different e-commerce trading, which are advertising, retailing and auction. They provide great customer services and keep on to be innovative in order to be more competitive. With the advance and expansion in internet usage around the world, all these three corporations will be able to keep on making huge profit in future.

Introduction- Shing Yeong

I have a lot of hobbies such as listen music, karaoke, swimming, wushu, karate-do, adventure and so on. All of my hobbies can reduce my stress and improve mental and physical for my healthy. The top five website that I always visited are www.yahoo.com, www.google.com, www.hotmail.com, www.youtube.com, www.sinchew.com.my. The reason that I visit www.yahoo.com is searching information for my course assignment every semester and has a discussion or update information in yahoo group. For google website, I also search assignment information over there. Besides that, I can search the music or song that I like so much and download the free software to assist me to do my assignment effectiveness and efficiency. Hotmail website is the most website that I visited compare with other. I will open my mail everyday or every minute that I free. This is because I can receive mails from friends, sister, cousins and buddy. I will keep all the funny, touch, and meaningful mails and share them to my friend and cousin. Moreover, I can deal and negotiation with outsider or sponsorship via hotmail website when I running my club event. Furthermore, youtube website is my favorite website, I can find a lot funny, and short advertisement over this website. Besides that, I can learn or refer a lot of wushu, karate-do, and self-defense techniques to improve myself. For sinchew website, I need this website very much because the place that I stay now has no television, all current news that I get is from this website. News is very important for me in discussion and assignment. I can read the news daily without any payment via internet. The news that I read includes local news, foreign news and separate many parts such as sports, business, healthy, and so forth. This top 5 website I will keep on using because they are very useful in my life. Furthermore, I always enter friendster website because I can see my friend’s latest news and photos. Moreover, I also can add comment or greet them when their birthday. It brings a lot of benefit for me.

Introduction - k@n3zz khoo

Hello everyone, my name is Khoo Giap Siang. Most of my friends call me as Kenny but I thought of change my nickname to Kanezz because I found that there are lots of people using Kenny this name. However, most of my friends used to call me Kenny and I do use to it as well; therefore I give up this idea. Anyway, I'm do using Kanezz as my nickname in my online profile such as friendster, facebook, and MSN.

I’m just a normal guy with a common looking with a slightly plump of body. I used to be a very plump boy in primary school and most of my friends playing joke about that. Therefore, this make me made the decision to keep fit and I trained basketball and any sports in secondary school very hard. Because of that, I became darker and taller day by day and got back to normal size of body although there is still a slightly plump. Haha ~~
My friends saying that I put a lot of efforts of my appearance, I admitted that. Haha…..

About my hobbies, the first choice would be any sports game. Soccer, basketball, jogging, swimming, badminton, and any sports as long as I feel that can shape up my body and keep my body in good condition, I would play and enjoy it!
Besides that, as a single guy for a long time period, the only activities I could do is chatting online with my friends and meeting new friends. Therefore, it means I can’t live without my computer and the network. Almost everyday sitting in front of my lovely PC and share all my happiness and sadness with friends become one of my routine activities. ^^
These are the 5 top website I logging in the most which is:
www.friendster.com, www.facebook.com, www.yahoo.com, www.soccernet.com, www.mtv123.com
Meeting new friends trough online and have a chat with them would be my routine activities I usually do. Besides that, checking some latest information and some sports news would be my favorites as well. At last, I used to listening to music trough some website while I'm chatting with friends or playing game ~

In conclusion, I am just a simple person and enjoying my simple life currently. Sometimes, I would have some simple hope and dreams and they waiting me for achieving it. Wish me good luck!! ^^
Bye bye ~

Introduction-Ing Chao

Hi, everyone, my name is Kho Ing Chao. I come from Sibu, Sarawak, stay at Sg.long now to pursue my degree. Studying here makes me know more about culture at here and learn to be independent. I likes playing basketball, but i seldom play nowadays because have to spend more time on study.Surfing the net is one of the activity that must be done almost every day. The top five websites that I visited the most is www.google.com, www.airasia.com, www.hotmail.com, www.sinchew.com.my and www.xunlei.com. I use Google to search and collect information to do assignment, it is the most popular search engine in the world, and it is really useful to find information. As my hometown is at Sibu, Sarawak, so I always have to visit Airasia website to see whether there is any cheap flight ticket that suit to my holiday time. I use hotmail to check mail from friends, sometimes my group member also send me the assignment part that they do through hotmail. To update my knowledge and information about current issue and news all around the world, I always visit Sinchew website, it is also useful for me to know what is happening in my hometown. I visit xunlei website to download movie, lots of movie and drama can be found there. Other than that, I also use internet to chat with friends through messenger, update software, watch movie, and paying bills and book flight ticket through Public Bank account debit transfer.

Introduction-Kok Kheong

First of all thanks for viewing my profile. My name is Wong Kok Kheong. I am from Ipoh Perak. I am currently pursued my degree in Commerce majoring in Accounting at Universiti Tunku Abdul Rahman (UTAR).I like sports, surfing nets, listening music and many more. I like table tennis. I played table tennis since I was 7 years old but now no more because I need to pay more attention on my studies. Besides, I like to play futsal and football as well. I used to play at least once a week.

When talk about computer. Computer can help us do a lot of thing. Computer can help us to memorize things and online to search information that we need. This is what I do everyday. I used to check my e-mail everyday and chat with my friend online while searching information that I need by visiting some websites. The five websites that I visited most is www.thestar.com.my, www.soccernet.com.my, www.yahoo.com, www.facebook.com, www.airasia.com.my. I used to update myself on the current news through online by reading online newspaper. This will make me become more alert of what is happening in and out of the country. Further more, by reading newspapers online I can save cost instead of buying newspapers to read.

Next as usual, majority guys love football so I am. I used to read current football news that happened in Europe such as English Premier League, Italian League, La Liga League and many more. Yet I will chit chat with my friends as well. Nevertheless I love to travel and I m enjoying it. I always visit to airasia.com to check any promotion is given by them.

That all I think for my introduction. Thanks for visiting my sites.