Today I received in my email inbox a reminder to get and put in my documentation for the Citibank Plus Transaction Account.
Sure. But on closer notice, I realised that there were fees for using my ATM citibank card/visa debit even in international Citibank ATMS. I could understand that for just normal retail foreign transactions.
But even for withdrawals at international Citibank ATMs?
I'm like, what the?
I am so not going to bother with the application.
I'll just use my Malaysian Citibank visa debit card for transactions with them in Australia. If ever.
I had a friend who saw my Malaysian citibank in my purse earlier. and remarked, "hei, that's a Citibank Visa Debit card!" Yeah, it is. Everything's the same. Everything from the blue design to even the logo.
Except that the Malaysian Citibank Visa Debit cards are able to accumulate reward points (for items!) and its free wherever it is used in ANY Citibank automatic teller machine ANYWHERE in the world.
By right, if Citibank ATMS are used in any Citibank ATM anywhere in the world, it SHOULD be free. This is just too much!
Thursday, May 20, 2010
Monday, May 10, 2010
Australia: Citibank Plus Transaction Account.
I just applied for a Citibank Plus Transaction Account.
Not only is it fee-free, but there is no minimum deposits,
it is
- $0 monthly fee
- No minimum deposit
- Unlimited free transactions
- Free Citibank Global Transfers (not to Malaysia though!)
- Unlimited free ATM withdrawals at any Westpac, St George*, Bank SA or Citibank ATM in Australia
- Visa Debit Card for online, domestic and overseas purchases
- and Cheque book access!
I was actually thinking of doing the ING Direct Visa Debit card,
but Citibank is so much more recognised than any other local bank!
Go Figure.
Not only is it fee-free, but there is no minimum deposits,
it is
- $0 monthly fee
- No minimum deposit
- Unlimited free transactions
- Free Citibank Global Transfers (not to Malaysia though!)
- Unlimited free ATM withdrawals at any Westpac, St George*, Bank SA or Citibank ATM in Australia
- Visa Debit Card for online, domestic and overseas purchases
- and Cheque book access!
I was actually thinking of doing the ING Direct Visa Debit card,
but Citibank is so much more recognised than any other local bank!
Go Figure.
Monday, April 19, 2010
What is Spruiking?
Spruiking is the act of standing in a public area (usually outside the related store) and advocating (quite loudly) the offers and bargains to be found inside (usually with the aid of a megaphone).
Hanson- an australia comedy act.Based in Sydney.
Hanson- an australia comedy act.Based in Sydney.
Tuesday, March 30, 2010
The Art of Haggling.
Extracts are taken from: http://www.wikihow.com/Haggle
1. Do RESEARCH on how much a product costs.
If you're dealing with expensive and complex items (like electronic and jewelry) be sure to examine the details. The seller will quickly try to dismiss it by saying "Oh, but their product has feature A, which is inferior to feature B on our product." Depending on your research, you might say "Yes, you're right, but feature A is all I want, need, and am willing to pay for" or "While feature B might be considered superior by most, feature A is actually more appropriate for my particular needs."
2. Paying Cash "might" get you more discount.
3. Show hesitation about buying the product. Even if it's the perfect item, the moment the seller sees that wistful look in your eyes, they'll know they've got the upper hand. Appear interested, as if you're willing to buy the product if the price is right, but you can certainly live without it as well. When the seller tells you the price, say "Hmmmm....I don't know....".
- Use silence to your advantage. A long, awkward silence is likely to work in your favor. While you stand there as if you're wavering on the fence, the seller will probably get nervous and drop the price a little further, or throw in an extra.[3]
- Talk about what you don't like about the item, or emphasize its shortcomings. If it's a ring, for example, scrutinize it on your hand and say "I don't know if it's exactly my style...". If it's a computer, ask "Does this come with a wireless keyboard?"[4] At the same time, be respectful. You could easily offend the seller by pointing out or criticizing points of taste. Point out issues of workmanship or wear.
- Examine the item for any chips, scratches or flaws. Even in major retailers, they will often give you a "open box" or "display" item price if you notice a cosmetic imperfection. Check the back and bring to their attention the smallest flaw. This is especially useful when you are looking to buy the last one of something. Also make sure you really want the item because often, these discounts make the sale final.
3. Pretend to consult with a reluctant partner
4. Ask for freebies. If the salesperson is not willing to bring the price down, ask for other freebies, such as coupons to use at a later date or other items he might be willing to throw in. Remember, haggling is not just about the price - it's about walking away satisfied.
5. Be prepared to walk away. Haggling is all about knowing how long to stick it out to be satisfied and when you need to walk away to look somewhere else for a better price. Don't be afraid to walk out of the store. Often, the salesperson will call you back into the store, telling you they'll give you a better price or deal.
6. Ask local stores if you can get a discount for “Being a Loyal Customer”.
- Ask quietly to avoid putting the store owner manager on the spot (inc case other customers want the same too).
7. Are there any coupons, promotions or discounts I should know before going.. the merchant may give you one just to get and KEEP your business.
8. Whenever possible, offer to order the entire inventory of a product which has limited shelf life at a discount. They will be happy to reciprocate…
9. NEVER start by asking “whats your best price”.
10. ALWAYS ask if the item you want is going on sale any time soon. If the answer is yes, suggest that they sell it to you at the lower price now, or else you might buy it elsewhere in the mean time.
11. Merchants might be willing to give a higher discount to items which are no longer the “hot new products’ in order to get rid of them
12. Never pay the listed price on a piece of jewellery. Haggle accordingly.
13. Offer to pay in cash! (like the above)
14. Travel and leisure
Playing different travel agents off against one another can be a good negotiating tool. So once you have found a holiday you like, ring different agents and ask them if they can beat your best price so far.
If you're travelling independently, haggling is a bit more tricky, and it's virtually impossible to get a price reduction on flights.
"It is unlikely that you'll be able to get a discount when booking a flight," says Bob Atkinson, a travel expert at Travelsupermarket.com. "But if you arrive early, there is a chance you may be able to get an upgrade. If you're travelling for a special reason - a honeymoon or anniversary trip, for example - it's always worth mentioning this at check-in, just in case there are any extras they can offer.
"Your best chance of getting a discount on a hotel room is to walk in on the day and ask what is available for the best price. Again, there's no harm in asking if your room can be upgraded. If you don't ask, you don't get."
It's also possible to haggle over the cost of your gym membership. In some cases, the one-off 'admin' or 'joining' fee can be waived by the gym manager, and there may also be room for negotiation on the monthly fee - especially if you join as a couple or group.
Key Phrases to use:
- Hmmm… I don’t know le….
- All prices on big-ticket items are negotiable.. you just need to find the right person who can do the deal, and then have the courage to ask.
- Your rivals can do it for less… “You’re entitle to make a profit, but if your competitors can do it for less, you guys probably can too”.
- “I feel like I was tricked”.. talk about how you feel as a customer.. you stand much better chance of getting your way if you are an innocent victim rather than an angry shopper.
- “But you broke your promise”…. Whenever a company breaks its contract, you have every right to expect something in return. Just be sure you know in advance what you want when you’re asked.
Thursday, February 11, 2010
Insurance Policies in Malaysia, and Australia.
When one is neither a resident of here, nor there, sometimes there are just some plans that can be difficult to make. However, Providence sometimes provide us good network connections to make sound decisions. Thank You, God!!
Anyways, these are some tips that Richard, a high school mate (who's currently in Brisbane) threw out:
The Australian Government provides a basic universal health insurance, Medicare. Private health insurance in Australia is limited to those services not covered by Medicare or to services provided in private hospitals.
The Australian Taxation system encourages middle to high income earners to take out Private Health Insurance. While most taxpayers pay a 1.5% Medicare Levy, an additional 1% Medicare Levy Surcharge is payable by those taxpayers who earn more than $50,000 and do not have Private Health Insurance. (From Wikipedia).
As such, Richard tells me that if I already have life/savings insurance in Malaysia, to just stick with it, and get the basic ones in Australia for taxation purposes.
Malaysian endownment and insurance policies are not taxable, and clients can still get their money back on maturity in the later years. They are written way better than Australian policies....!
So yeah, even if you are migrating to Australia, it is still worth thinking getting a policy (that you can service on a yearly basis), and enjoy shopping like a king on your retirement when you do come back to Malaysia for a visit!!
(This is purely my perspective, and not a financial advice. For that, you'd have to refer to your Financial Planner for more information!!)
Anyways, these are some tips that Richard, a high school mate (who's currently in Brisbane) threw out:
- If you already have life insurance policy in malaysia, just get the basic medical/hospitalization policy in Australia. This is for taxation purposes, as clients are normally not allowed to make the same insurance claim from more than 1 party.
- Insurance agents don't necessarily have to check really how many insurance policies you have, but they will do this when the client wants to lodge a claim.
- It is up to the client to be aware of this as the law does not prevent more than one provider from selling the policy to them. The law only prevents clients from making a claim with more than 1 provider.get the most basic one in australia for taxation.
- From other news I heard, it is possible to make claims on as many life insurance policies (but can you really afford it?), but claims for hospitalization/medical is limited.
The Australian Government provides a basic universal health insurance, Medicare. Private health insurance in Australia is limited to those services not covered by Medicare or to services provided in private hospitals.
The Australian Taxation system encourages middle to high income earners to take out Private Health Insurance. While most taxpayers pay a 1.5% Medicare Levy, an additional 1% Medicare Levy Surcharge is payable by those taxpayers who earn more than $50,000 and do not have Private Health Insurance. (From Wikipedia).
As such, Richard tells me that if I already have life/savings insurance in Malaysia, to just stick with it, and get the basic ones in Australia for taxation purposes.
Malaysian endownment and insurance policies are not taxable, and clients can still get their money back on maturity in the later years. They are written way better than Australian policies....!
So yeah, even if you are migrating to Australia, it is still worth thinking getting a policy (that you can service on a yearly basis), and enjoy shopping like a king on your retirement when you do come back to Malaysia for a visit!!
(This is purely my perspective, and not a financial advice. For that, you'd have to refer to your Financial Planner for more information!!)
Thursday, February 4, 2010
Investing: The Basics II
Here are some links I found to jump start on the research to finding out more on investing.
Investopedia: Investing 101.
Investopedia: Start Investing with 1,000 Dollars.
What is a Managed Fund?
(More to be added...)
Investopedia: Investing 101.
Investopedia: Start Investing with 1,000 Dollars.
What is a Managed Fund?
(More to be added...)
Investing: The Basics I
I have referred to the Investment pages as per the information given on the Commonwealth Bank site, to provide a check list on the basics of investing to start my research on investing on.
There are about four categories, or asset classes.
as I do not really want to be bothered with the hassle of checking the 'board" to see if prices have risen, or gone down on a weekly, much less on a daily basis. (Time is money, as they say....)
According to this list:
As for performance expectations, due to my low level of risk tolerance, I would rather just let there be a safe haven for my income to be 'stationed' at whilst earning compound interest.
My knowledge of investment markets and past experiences is almost close to nil. My experience with investment has so far been limited to Term Deposits, and compound interest. Safe investment, you may say.
I am, and would not be too happy about the decrease in the value of my investment, like any other person who earns a salary. Who would anyways?
As for investing in a product with a higher risk, I believe that would come with experience. For now, let me continue reading up on this issue before making a decision on what I would do with my salary...
There are about four categories, or asset classes.
- Cash (e.g. money in the bank, bank bills)
- Fixed interest (e.g. government or corporate bonds)
- Property (e.g. residential, commercial or industrial property trusts)
- Shares (e.g. Australian or international shares).
Defensive investments
Cash and fixed interest are generally classified as defensive investments. The main features of defensive investments are:- Aim to provide regular income and do not usually grow in capital value
- Aim to experience only slight fluctuations in investment returns and values over short period.
- Returns are generally lower than those of growth investments over the medium to long term.
as I do not really want to be bothered with the hassle of checking the 'board" to see if prices have risen, or gone down on a weekly, much less on a daily basis. (Time is money, as they say....)
According to this list:
- Your reasons for investing
- Your performance expectations
- How long you intend to invest (investment time frame)
- Your knowledge of investment markets and past experiences
- How you feel about sudden increases and decreases in the value of your investments.
As for performance expectations, due to my low level of risk tolerance, I would rather just let there be a safe haven for my income to be 'stationed' at whilst earning compound interest.
My knowledge of investment markets and past experiences is almost close to nil. My experience with investment has so far been limited to Term Deposits, and compound interest. Safe investment, you may say.
I am, and would not be too happy about the decrease in the value of my investment, like any other person who earns a salary. Who would anyways?
As for investing in a product with a higher risk, I believe that would come with experience. For now, let me continue reading up on this issue before making a decision on what I would do with my salary...
Wednesday, February 3, 2010
Simple Savings- Saving away for the rainy day. ^^
Not exactly the theme of the website, but it rhymes. Anyways.
Was googling the world-wide-web, and found this Aussie portal called Simple Savings.
It is an Australian-New Zealand based website which offers a lot of tips, as well as an Aussie and Kiwi pdf. version of a "savings calendar". The calendar proves to be an effective visual aid in helping people keep to the habit of finding ways, as well as providing other tips and themes and ideas to develop this cost-cutting habit for twelve months of the year.
The Simple Savings website reminds buyers to learn to say ‘NO’ is very valuable to wasteful spending,
to kiddies’ demands, to telemarketers and ‘NO!’ to time wasting, and through that, individuals would be able to we can say ‘YES!’ to a happier and peaceful life.
Check it out to save for the rainy day. ^^
Was googling the world-wide-web, and found this Aussie portal called Simple Savings.
It is an Australian-New Zealand based website which offers a lot of tips, as well as an Aussie and Kiwi pdf. version of a "savings calendar". The calendar proves to be an effective visual aid in helping people keep to the habit of finding ways, as well as providing other tips and themes and ideas to develop this cost-cutting habit for twelve months of the year.
The Simple Savings website reminds buyers to learn to say ‘NO’ is very valuable to wasteful spending,
to kiddies’ demands, to telemarketers and ‘NO!’ to time wasting, and through that, individuals would be able to we can say ‘YES!’ to a happier and peaceful life.
Check it out to save for the rainy day. ^^
Thursday, January 28, 2010
Curbing that urge to buy?
This evening I was at Sunway Pyramid. I had so wanted to buy this particular body care set which I had initially planned on getting.
However a number of reasons stopped from me from doing so.
1) I am waiting for the product from this particular range to clear from my blogshop. Yes, it's one of the products from my blogshop.
2) I have yet to finish using the particular product from this set at home.
3) If its really a star product, I believe that the company will continue to restock it. (that is, if it makes money).
4) The proof is there. It's a loss and risk that I do not want to take until I am sure to be able to clear off the current stock that currently have.
I REALLY AM PROUD OF MYSELF FOR NOT GIVING INTO THIS.
However a number of reasons stopped from me from doing so.
1) I am waiting for the product from this particular range to clear from my blogshop. Yes, it's one of the products from my blogshop.
2) I have yet to finish using the particular product from this set at home.
3) If its really a star product, I believe that the company will continue to restock it. (that is, if it makes money).
4) The proof is there. It's a loss and risk that I do not want to take until I am sure to be able to clear off the current stock that currently have.
I REALLY AM PROUD OF MYSELF FOR NOT GIVING INTO THIS.
Term Deposits: Citibank Malaysia & Maybank.
Today, or rather last night, I "pledged" two Term Deposits, as what my friend in the banking industry calls it.
Term Deposits is an Australian term I picked up, but here in Malaysia, it's called Fixed Deposits. I prefer calling it Term Deposits. So, one was created at Citibank via online. The other at Maybank via online.
MAYBANK
The term deposit created via Maybank online was automatically created. So I knew for sure my money was already in the TD. However, the one at Citibank took a while...
CITIBANK MALAYSIA
I called up Citibank this afternoon, and was told by the person on the phone that if my application was successful, I'd receive an email in a matter of three days that it had been created.
Well, what's the deal with this? Why do they require us to have to go to the outlet, and show our identification cards just to create the Term Deposit?
It makes no sense when it is with the intention of keeping money in the bank and not withdrawing it? What a Total Waste of Time. Citibank should learn to communicate better with the locals and make things easier for themselves by not requiring such red tape.
Maybe I should drop their Customer Service a note to query them on this matter.
It so happened that I received a call from Citibank this evening. I didn't pick up their call as I was in a company meeting with another bank. For all I know, it could have been some person from their Credit Card department trying to sell their cards.
Well, we'll see what happens tomorrow.
Term Deposits is an Australian term I picked up, but here in Malaysia, it's called Fixed Deposits. I prefer calling it Term Deposits. So, one was created at Citibank via online. The other at Maybank via online.
MAYBANK
The term deposit created via Maybank online was automatically created. So I knew for sure my money was already in the TD. However, the one at Citibank took a while...
CITIBANK MALAYSIA
I called up Citibank this afternoon, and was told by the person on the phone that if my application was successful, I'd receive an email in a matter of three days that it had been created.
Well, what's the deal with this? Why do they require us to have to go to the outlet, and show our identification cards just to create the Term Deposit?
It makes no sense when it is with the intention of keeping money in the bank and not withdrawing it? What a Total Waste of Time. Citibank should learn to communicate better with the locals and make things easier for themselves by not requiring such red tape.
Maybe I should drop their Customer Service a note to query them on this matter.
It so happened that I received a call from Citibank this evening. I didn't pick up their call as I was in a company meeting with another bank. For all I know, it could have been some person from their Credit Card department trying to sell their cards.
Well, we'll see what happens tomorrow.
Wednesday, January 27, 2010
17 Ways to Save Money.
Recently I read this book, The Millionaire Next Door, courtesy of one of my cousins who dropped it at my home many months ago.
Here are some ways we can live, if we want to start saving on those dollars and cents.
1. Don't bring your credit card out if you know you are a impulse buyer/shopaholic.
I don't. It really saves me in a lot of situations where I could have made senseless purchases. A lot of show owners and managers use the line "you can pay on a monthly instalment basis" to trap you to buy. You may end up buying something you don't actually need.
The next best alternative is to bring only CASH, and a Debit Card with limited money, enough to get you through the day, travel and probably some meals.
2. Bring your own meal from home every so often.
It's healthy. You know what you put into it. And you won't be spending a bomb on meals.
Or just fast every so often to detoxify your body.
3. Keep from socialising with people who spend money.
People who spend money like water! Hmm..... you just have to learn to say NO to a lot of things that your so-called friends do.
They aren't your friends if they don't care about your financial situation. However, if they offer to pay for you to join them, that is a different situation altogether.... ^^
4. Wait for SALE time to do your shopping.
When it comes to clothing, yes. Who really cares what brand of underwear you wear to work?
You might be wearing Victoria's Secret, but were you going to go around telling people everyone? Just wear that pair of tightie-whities for all people care...
5. Impulse Buy.
Yes, this happens a lot to me when I see skin care.. *sigh*.Walk about a bit, and wait about two to three days.
6. Take a serious look at what you spend each month, and write out what you have spent for it so far.
7. Start a blogshop, and get buyers.
Hah! Just did that.. am wondering how many people will actually buy from the shop. Not that good either, but hopefully trying to drum up the response to it.
8. Start an Investment Portfolio.
Use and Invest your money on objects/items which appreciate, not depreciate in value.
Buying a Brand New Branded Car? Are you sure that is worth your money? The re-sale value of the car depreciates rather quickly, so you may want to rethink it.
If not using your money, at least keep it away somewhere you know you can't have access to it! Hopefully in a Term Deposit with a high interest returns. Perhaps some stocks or shares from a company which is doing well?
Sometimes these companies send out magazines, vouchers, etc which will offer a good deal, or savings on the services they provide.
9. Chill Out at Home and Stay AWAY from the Mall.
Get your news from the websites. But KEEP AWAY from the malls. You'll definitely not spend any money at all. LOL
Read a book. Feed the fish. Play with the dog. Take a jog.
10. Take care of your health.
Take responsibility of taking care of your own health. When you are sick, it is a burden on others, as well as yourself. Have enough sleep, and drink enough water, and exercise at that too!
You'll cut down on the doctor's bills & meds.
11. Find ways to share, or give without having to spend money.
They say time is money. What more valuable is your time?
12. Never Ever Pay Retail.
There is something called Internet Shopping, as well as SALEs for this very reason. If you are willing to wait it out, you will save the money that you could use for other more important things.
13. Don't Be Greedy.
I learnt it the hard way. If you don't need it, don't buy it.There is no such thing as a promotion that is too good to be true.
If it is TOO GOOD to be true, it probably IS. There is always a catch behind it.
14. Why Buy when you can BORROW?
Sharing is Caring. Borrow it from a friend.
Want to watch a movie? Borrow it, watch it at home. You'll save on the petrol, parking and time that went with it.
But make sure you do look after it when you do.
15. Car Pool.
Why waste petrol each driving your own car? Though, each person must contribute to the petrol, or take turns driving to be fair to each other.
16. Take time to Shop Around.
As above, don't pay retail. There is no such thing as one fixed price. If its a huge ticket price item, its worth it.
17. Pay By Cash.
As above (no.16), using cash actually allows you to negotiate for a discount. Even if there was no discount, at least you can bargain for other freebies which you may have to pay out of your own pocket instead.
Related Links:
The Simple Dollar: The Millionaire
Here are some ways we can live, if we want to start saving on those dollars and cents.
1. Don't bring your credit card out if you know you are a impulse buyer/shopaholic.
I don't. It really saves me in a lot of situations where I could have made senseless purchases. A lot of show owners and managers use the line "you can pay on a monthly instalment basis" to trap you to buy. You may end up buying something you don't actually need.
The next best alternative is to bring only CASH, and a Debit Card with limited money, enough to get you through the day, travel and probably some meals.
2. Bring your own meal from home every so often.
It's healthy. You know what you put into it. And you won't be spending a bomb on meals.
Or just fast every so often to detoxify your body.
3. Keep from socialising with people who spend money.
People who spend money like water! Hmm..... you just have to learn to say NO to a lot of things that your so-called friends do.
They aren't your friends if they don't care about your financial situation. However, if they offer to pay for you to join them, that is a different situation altogether.... ^^
4. Wait for SALE time to do your shopping.
When it comes to clothing, yes. Who really cares what brand of underwear you wear to work?
You might be wearing Victoria's Secret, but were you going to go around telling people everyone? Just wear that pair of tightie-whities for all people care...
5. Impulse Buy.
Yes, this happens a lot to me when I see skin care.. *sigh*.Walk about a bit, and wait about two to three days.
6. Take a serious look at what you spend each month, and write out what you have spent for it so far.
7. Start a blogshop, and get buyers.
Hah! Just did that.. am wondering how many people will actually buy from the shop. Not that good either, but hopefully trying to drum up the response to it.
8. Start an Investment Portfolio.
Use and Invest your money on objects/items which appreciate, not depreciate in value.
Buying a Brand New Branded Car? Are you sure that is worth your money? The re-sale value of the car depreciates rather quickly, so you may want to rethink it.
If not using your money, at least keep it away somewhere you know you can't have access to it! Hopefully in a Term Deposit with a high interest returns. Perhaps some stocks or shares from a company which is doing well?
Sometimes these companies send out magazines, vouchers, etc which will offer a good deal, or savings on the services they provide.
9. Chill Out at Home and Stay AWAY from the Mall.
Get your news from the websites. But KEEP AWAY from the malls. You'll definitely not spend any money at all. LOL
Read a book. Feed the fish. Play with the dog. Take a jog.
10. Take care of your health.
Take responsibility of taking care of your own health. When you are sick, it is a burden on others, as well as yourself. Have enough sleep, and drink enough water, and exercise at that too!
You'll cut down on the doctor's bills & meds.
11. Find ways to share, or give without having to spend money.
They say time is money. What more valuable is your time?
12. Never Ever Pay Retail.
There is something called Internet Shopping, as well as SALEs for this very reason. If you are willing to wait it out, you will save the money that you could use for other more important things.
13. Don't Be Greedy.
I learnt it the hard way. If you don't need it, don't buy it.There is no such thing as a promotion that is too good to be true.
If it is TOO GOOD to be true, it probably IS. There is always a catch behind it.
14. Why Buy when you can BORROW?
Sharing is Caring. Borrow it from a friend.
Want to watch a movie? Borrow it, watch it at home. You'll save on the petrol, parking and time that went with it.
But make sure you do look after it when you do.
15. Car Pool.
Why waste petrol each driving your own car? Though, each person must contribute to the petrol, or take turns driving to be fair to each other.
16. Take time to Shop Around.
As above, don't pay retail. There is no such thing as one fixed price. If its a huge ticket price item, its worth it.
17. Pay By Cash.
As above (no.16), using cash actually allows you to negotiate for a discount. Even if there was no discount, at least you can bargain for other freebies which you may have to pay out of your own pocket instead.
Related Links:
The Simple Dollar: The Millionaire
Wednesday, December 16, 2009
UK writes off cheque by 2018.
Just read this on yahoo news. UK states they will write off cheques by 2018.
Granted, its fine if they want to write off cheques by 2018. But that's for their own country.
When I was in Australia, I barely even used the stack of HSBC cheques that I had... as it costs AUD1 to just even bank-in the cheque.Imagine if I wrote ten cheques, that'll be AUD10!
That's -- daylight robbery!. Not only do most of Aussie banks already charge a monthly fee, they charge "cheque processing fee".... >.<
Nonetheless, cheques are still well & alive in the Malaysia in day-to-day business. Malaysian businesses can't survive without the cheque-- as inter-bank transfers cost a bomb (RM2 per transaction) each, whereas it's free in Australia.
Hmmm..
Granted, its fine if they want to write off cheques by 2018. But that's for their own country.
When I was in Australia, I barely even used the stack of HSBC cheques that I had... as it costs AUD1 to just even bank-in the cheque.Imagine if I wrote ten cheques, that'll be AUD10!
That's -- daylight robbery!. Not only do most of Aussie banks already charge a monthly fee, they charge "cheque processing fee".... >.<
Nonetheless, cheques are still well & alive in the Malaysia in day-to-day business. Malaysian businesses can't survive without the cheque-- as inter-bank transfers cost a bomb (RM2 per transaction) each, whereas it's free in Australia.
Hmmm..
Tuesday, December 8, 2009
The case of the Merchant Foul.
I had the experience of a participating merchant, whom we shall name as Merchant Foul, this round who tried to "play foul" in the exhibition.
The History: In the previous exhibition that this merchant joined us with, they were given a "free" booth, or in other words, "space" to place their ware which they need not had to pay a premium for.
A month before the next exhibition due, a staff from their team called my office enquiring if the booth next to theirs was still vacant. I informed them that it was still vacant. But she did not press me for further details thereafter.
The Scenario: The day of the exhibition came. Lo and behold, I get a call from the same merchant with the query that "why had the booth next to theirs cordoned off when I had told them it was vacant" a month ago?
I was surprised she had the gall to even ask me that.
Then it came to the Organiser's attention that this particular merchant had designed a booth which occupied the area equivalent for three booths!
Rationale:
Let me ask you, would you create the design for a booth for the size of three booths when you had only paid the rent for two? Then you as the customer came in hoping that the Organiser would give the extra booth (beside yours) to you for free?
Indeed, it is the perogative of the Organiser to not charge a merchant- that is in the event that there are no takers. In fact, this particular merchant had one "flaw" in their argument. If they had known that the booth next to theirs was vacant, they should have informed the Organiser that they wanted it.
Their Bullets:
On the same evening of the setup days, a few representatives from their side came to the Organiser's booth and tried to bamboozle us to give up the booth beside theirs to them. They even tried to maneuver the Organiser into allowing them to move their ware into the thoroughfare, but that would mean a compromise of the public safety which would not be tolerated. !
We promptly told them off.
The next morning, their Lady Manager came to us again. We told them off. The Lady Manager walked off in a huff with her tail between her legs.
Conclusion: The merchant next to theirs refused to budge. Merchant Foul had to pay for the rent of the booth on the other side of the same area.
I hope they learn their lesson well. !
The History: In the previous exhibition that this merchant joined us with, they were given a "free" booth, or in other words, "space" to place their ware which they need not had to pay a premium for.
A month before the next exhibition due, a staff from their team called my office enquiring if the booth next to theirs was still vacant. I informed them that it was still vacant. But she did not press me for further details thereafter.
The Scenario: The day of the exhibition came. Lo and behold, I get a call from the same merchant with the query that "why had the booth next to theirs cordoned off when I had told them it was vacant" a month ago?
I was surprised she had the gall to even ask me that.
Then it came to the Organiser's attention that this particular merchant had designed a booth which occupied the area equivalent for three booths!
Rationale:
Let me ask you, would you create the design for a booth for the size of three booths when you had only paid the rent for two? Then you as the customer came in hoping that the Organiser would give the extra booth (beside yours) to you for free?
Indeed, it is the perogative of the Organiser to not charge a merchant- that is in the event that there are no takers. In fact, this particular merchant had one "flaw" in their argument. If they had known that the booth next to theirs was vacant, they should have informed the Organiser that they wanted it.
Their Bullets:
On the same evening of the setup days, a few representatives from their side came to the Organiser's booth and tried to bamboozle us to give up the booth beside theirs to them. They even tried to maneuver the Organiser into allowing them to move their ware into the thoroughfare, but that would mean a compromise of the public safety which would not be tolerated. !
We promptly told them off.
The next morning, their Lady Manager came to us again. We told them off. The Lady Manager walked off in a huff with her tail between her legs.
Conclusion: The merchant next to theirs refused to budge. Merchant Foul had to pay for the rent of the booth on the other side of the same area.
I hope they learn their lesson well. !
The Occupational Health & Safety Concerns of Exhibitions
In any venue that has public access, many details need to be looked at as it concerns the safety of the public.
1) Security of the Venue where exhibition will take place:
- Gates to be locked at night to adjoining exits and entrances. They can only be opened during joint openings.
- Valuable items are to be kept away.
- Participating exhibitors at no time are allowed to have access to the venue's security CCTV recording, unless permission is granted by the venue's security in the event that security has been compromised.
- Participating merchants should immediately inform the Organiser, who in turn will immediately inform the Venue owner in case of suspect of any incidents.
2) Common area cleaning:
- Cleaning Fees are chargeable for all Hall areas throughout the days of the exhibitions based on number of staff required.
3) Cargo lift operator and furniture setting up:
- Individuals required for per setting up type.
Number of Co-ordination meetings required prior to due Exhibition time:
4) Licensing & Permission from the relevant Authorities
- DBKL Floor licence, DBKL- (License granted by the City Hall that states the exhibition is 'legal')
- Floor plan of venue shows primary, exit and emergency exits. In other words, floor plan of venue must adhere to fire escape routes as safe in the event of an emergency.
- Show welcome arch, AV Console equipment
- Going through every booth for the possibility of merchants placing gas tanks (that could compromise public safety)
- That all Lamp Post buntings needs DBKL (City Hall) licensing authority code.
- The number of A&P 'equipment" as allowed by the venue's management around the venue's location.
5) Handover & Take Back of Venue:
- Is a joint inspection between 3 parties- the management of the Venue, the Organiser, and the Contractor.
- Check lists & records of initial venue condition
- Photos taken as record of venue condition.
Other areas include:
- Floor Loading, Floor protection, Carpeted area guidelines.
- Passes for individual participating staff entry.
1) Security of the Venue where exhibition will take place:
- Gates to be locked at night to adjoining exits and entrances. They can only be opened during joint openings.
- Valuable items are to be kept away.
- Participating exhibitors at no time are allowed to have access to the venue's security CCTV recording, unless permission is granted by the venue's security in the event that security has been compromised.
- Participating merchants should immediately inform the Organiser, who in turn will immediately inform the Venue owner in case of suspect of any incidents.
2) Common area cleaning:
- Cleaning Fees are chargeable for all Hall areas throughout the days of the exhibitions based on number of staff required.
3) Cargo lift operator and furniture setting up:
- Individuals required for per setting up type.
Number of Co-ordination meetings required prior to due Exhibition time:
4) Licensing & Permission from the relevant Authorities
- DBKL Floor licence, DBKL- (License granted by the City Hall that states the exhibition is 'legal')
- Floor plan of venue shows primary, exit and emergency exits. In other words, floor plan of venue must adhere to fire escape routes as safe in the event of an emergency.
- Show welcome arch, AV Console equipment
- Going through every booth for the possibility of merchants placing gas tanks (that could compromise public safety)
- That all Lamp Post buntings needs DBKL (City Hall) licensing authority code.
- The number of A&P 'equipment" as allowed by the venue's management around the venue's location.
5) Handover & Take Back of Venue:
- Is a joint inspection between 3 parties- the management of the Venue, the Organiser, and the Contractor.
- Check lists & records of initial venue condition
- Photos taken as record of venue condition.
Other areas include:
- Floor Loading, Floor protection, Carpeted area guidelines.
- Passes for individual participating staff entry.
The Technical How-To of Managing An Exhibition
The last weekend has been a hectic one for me. The company that I work for had their second partnership with an international bank. Here are some details that one will need to know to ensure that an exhibition runs well.
Pre-Exhibition Measures for the day:
- Provide a limited refreshments to the exhibitor- as an 'emotional assurance' that the organiser is looking after the participants.
- Security and Organiser has early-day-walk to ensure that safety of merchants ware have not been compromised.
- Security and Organiser have walk to ensure that all walkways are clear and safe for the public to access to. All cables and wires are neatly in place in main thorooughfare to avoid the public from falling over or injury themselves.
- To ensure that only participating merchants, and organiser has access to the exhibition venue before the show. Individuals without the proper authority to come in (i.e. exhibition name tags) is not to be allowed in at any time as this will compromise the safety of all parties involved.
During The Exhibition:
Three aspects of the technical aspect had to be looked at to ensure that the telecommunications and network lines run smoothly.
1) Payment terminals run smoothly- Merchants need to have staff who are able to operate credit card terminals. This includes pre-exhibition training to ensure time is not wasted during the sale process.
2) Electricity supply does not short circuit- An electricity trip is the result of overload usage, especially by merchants that decide to run electrical appliances.
It is also the worst thing to happen in the midst of a credit card transaction, as it could result in the loss of "sale" as well.
3) Phone lines are working- In the event that the bank is unable to provide a "wireless" terminal, phone lines are necessary. Further, wireless credit card terminals are limited in the application & functionality.
Phone lines which are "offline" will cause the credit card terminals to not work. Hence it could occur in the loss of a "sale".
From here, it could be seen that three aspects- telecommunication cables and electricity supply, as well as trained staff is required to operate the credit card terminals.
4) Technical Support- Another overlooked aspect is that the bank should provide adequate staff in the case of technical support for the usage of the credit card terminals.
Usage of credit card terminals includes functions of
- checking reward points amount,
- knowledge of keying card to redeem points for purchases,
- doing the daily transaction summary for the day.
5) Network support for technical failures-
- the speed of support in the event of electricity trip
- the speed of support in the event of credit card in-accessability.
6) Methods of illiciting sales & transactions by participating merchants
- to ensure that all merchants play fair, by ensuring that they do not utilize audiovisual equipment that will cause economic damage to another merchant, or cause another merchant to complain.
- to ensure that all merchants have 'open line of access' to the organiser in the event of a 'foul play" by other participating merchants.
- to ensure that security and organiser take strict action against merchants who violate rules & regulations.
- in the midst of the crowd & sales, there will be "illegal" merchants- who will try to come in and sell their ware "unannounced", and without going through the proper channels. This will not only compromise the safety of the public, but also the economic output of the "legal" merchants in the exhibition concerned. In this situation, the venue security will be summoned to remove these individuals.
7) Safety of public is not to be compromised.
- All buntings or ware displayed does not compromise the safety of the public, i.e helium balloons, & thoroughfare is to be always clear.
End of the Day Measures:
- Security & staff to take the end-of-the-day walk to ensure that all things are kept.
- 'Loose ends to be tied'- hanging cables (if ever any), and other details.
Pre-Exhibition Measures for the day:
- Provide a limited refreshments to the exhibitor- as an 'emotional assurance' that the organiser is looking after the participants.
- Security and Organiser has early-day-walk to ensure that safety of merchants ware have not been compromised.
- Security and Organiser have walk to ensure that all walkways are clear and safe for the public to access to. All cables and wires are neatly in place in main thorooughfare to avoid the public from falling over or injury themselves.
- To ensure that only participating merchants, and organiser has access to the exhibition venue before the show. Individuals without the proper authority to come in (i.e. exhibition name tags) is not to be allowed in at any time as this will compromise the safety of all parties involved.
During The Exhibition:
Three aspects of the technical aspect had to be looked at to ensure that the telecommunications and network lines run smoothly.
1) Payment terminals run smoothly- Merchants need to have staff who are able to operate credit card terminals. This includes pre-exhibition training to ensure time is not wasted during the sale process.
2) Electricity supply does not short circuit- An electricity trip is the result of overload usage, especially by merchants that decide to run electrical appliances.
It is also the worst thing to happen in the midst of a credit card transaction, as it could result in the loss of "sale" as well.
3) Phone lines are working- In the event that the bank is unable to provide a "wireless" terminal, phone lines are necessary. Further, wireless credit card terminals are limited in the application & functionality.
Phone lines which are "offline" will cause the credit card terminals to not work. Hence it could occur in the loss of a "sale".
From here, it could be seen that three aspects- telecommunication cables and electricity supply, as well as trained staff is required to operate the credit card terminals.
4) Technical Support- Another overlooked aspect is that the bank should provide adequate staff in the case of technical support for the usage of the credit card terminals.
Usage of credit card terminals includes functions of
- checking reward points amount,
- knowledge of keying card to redeem points for purchases,
- doing the daily transaction summary for the day.
5) Network support for technical failures-
- the speed of support in the event of electricity trip
- the speed of support in the event of credit card in-accessability.
6) Methods of illiciting sales & transactions by participating merchants
- to ensure that all merchants play fair, by ensuring that they do not utilize audiovisual equipment that will cause economic damage to another merchant, or cause another merchant to complain.
- to ensure that all merchants have 'open line of access' to the organiser in the event of a 'foul play" by other participating merchants.
- to ensure that security and organiser take strict action against merchants who violate rules & regulations.
- in the midst of the crowd & sales, there will be "illegal" merchants- who will try to come in and sell their ware "unannounced", and without going through the proper channels. This will not only compromise the safety of the public, but also the economic output of the "legal" merchants in the exhibition concerned. In this situation, the venue security will be summoned to remove these individuals.
7) Safety of public is not to be compromised.
- All buntings or ware displayed does not compromise the safety of the public, i.e helium balloons, & thoroughfare is to be always clear.
End of the Day Measures:
- Security & staff to take the end-of-the-day walk to ensure that all things are kept.
- 'Loose ends to be tied'- hanging cables (if ever any), and other details.
Thursday, December 3, 2009
The Pavillion: Mastercard Malaysia Airlines GWP Promotion.
As per this entry, this is the information as provided from Pavilion for their current Mastercard-Malaysia Airlines Promotion.
*All Items Are Available Whilst Stocks Last!
1st tier: For RM500 purchases.
L’Occitane – Aromachologie range
5 items in box:
- Milk Extra Gentle Soap – 50grms
- Body Lotion - 35ml
- Shower Gel - 35ml
- Conditioner - 35ml
- Shampoo - 35ml
- Amino Acid Shampoo – 65ml
- Deluxe Hand & Body Lotion - 65ml
Crabtree & Evelyn
5 variety to choose from
- Summer hill
- Lavender
- Gardeners
- La Source
- Rose Water
For more detailed & updated news on the above promotion, please call Pavillion KL: General Line/ Concierge Services enquiries: +603- 2118 8833.
It was not my intention to write this entry. However, for the service of my beloved
Having to choose between the blogs, I decided this entry best fit here as continuity of the Debit Mastercard saga. ^^
Tuesday, December 1, 2009
Follow Up: Royale Christmas@ Pavillion KL Mastercard Debit Incident.
Pavillion Brochure- inside of card brochure 1
Inside of Card Brochure 2
This is an update of this entry that I made of my incident recently at the Pavillon KL.
This afternoon, at about 13:30 hours, I made hardcopies of all related electronic publications & communications that I had initiated & published. Then via fax, I forwarded the copies to the Marketing Department of Pavillon KL.
Around 17:45 hours, I received a call from their Concierge Manager. He proceeded to inform me
I will update this post as when more news is received.
This afternoon, at about 13:30 hours, I made hardcopies of all related electronic publications & communications that I had initiated & published. Then via fax, I forwarded the copies to the Marketing Department of Pavillon KL.
Around 17:45 hours, I received a call from their Concierge Manager. He proceeded to inform me
- that he had contacted Mastercard.
- he was informed that the usage of the Mastercard Debit is valid under the Mastercard Worldwide umbrella.
He didn't mention the other Mastercard types though. (so, what does that mean then?)- He later said that is encompasses all Mastercard range. I sure hope so!
- He reserved the 'instant free gift' for me.
- For the Mastercard- Malaysia Airlines Promotion: Three options to choose the 'instant free gift'- for Tier 1 from: (purchases of RM500) - Loccitane gift set, Kiehl's gift set, or 2 mugs for Mastercard users. I chose the Kiehl's set. (I know this is good news for all the beauty skincare users who frequent these blogs!)
- The Tier 2 promotion is for purchases RM1000 and above.
No idea what the instant gifts are though.I was told that the Tier 2 instant gifts had 4 range of products from Crabtree & Evelyn....
- I was also told at the counter that receipts & spending for the Mastercard promotion above is accumulative, but must be on the same card within the same day. Which means, two persons can accumulate their spending, and share the instant free gift. The redemption is limited to one per customer per day.
- If I remember rightly too, the promotion is not extended to purchases from Parkson Pavillion,
& possibly Tangs, but ONLY individual outlets, and includes both retail & dining establishments. This is possibly due to the RM10 voucher giveaway with RM100 purchase at Parkson Pavillion.
I will update this post as when more news is received.
Saturday, November 28, 2009
Royale Christmas @ Pavillion KL: Mastercard Debit Not Accepted.
I feel marginalized. and upset.
Let me tell you what happened today.
It is stated on the first brochure (Pavillion Brochure 1) "Get an instant free gift with RM500 charged to any Mastercard Worldwide". As far as the general public is concerned, we are led to believe that Mastercard Worldwide consists of ALL Credit-cards, Debit, Prepaid and Electronic cards under the Mastercard brand.
Here are some questions that I realised:
From here, it can be seen that the Management from Mastercard is clearly misrepresenting their brand.If Mastercard's Management has no intention of rewarding other card type users, they should have stated clearly in the brochure, and added a disclaimer, as this brochure is given to the general public.
I demand an answer from Mastercard. and Pavillion. It is not a small amount that I have spent, and as a customer, I would have thought that the Mastercard in Malaysia would be honest in its advertising.
Why has the Management from Pavillion allowed the brand Mastercard to provide such misleading information in their brochure, and not treat their customers right?
This misrepresentation causes me to think that the Management of Mastercard has the intention of misleading other Mastercard card type users with no intention of honouring their promotion. Don't you agree so?
If this is the way the misleading advertising has been done, both parties (Mastercard & Pavilion) had better provide some good explanation for us.
This has been a really unsavory experience, and definitely does not feel like a very "Royale Christmas @ Pavillion KL" at all!
Follow Up Entry: The Concierge Manager Called.
Let me tell you what happened today.
Can you see the part "Card Type: Mastercard" there?
The promotion that goes in Pavillion printed in their Royale Christmas@Pavillion KL is as follows:
"Get an instant free gift with RM500 charged to any Mastercard Worldwide" .
The Instant Free Gift? A Loccitane or Kiehl's Gift Set, which in retail price, is worth more than RM130, given to any "Mastercard Worldwide" holders with the purchase of RM500.
Today I had made a payment in full, amounting to more than RM500 (RM770) purchase at one of the swanky ladies salon at Seventh Heaven in Pavillion. Yet, I was informed that because it was a Mastercard Debit, I was not entitled to the instant free gift.
"Get an instant free gift with RM500 charged to any Mastercard Worldwide" .
The Instant Free Gift? A Loccitane or Kiehl's Gift Set, which in retail price, is worth more than RM130, given to any "Mastercard Worldwide" holders with the purchase of RM500.
Today I had made a payment in full, amounting to more than RM500 (RM770) purchase at one of the swanky ladies salon at Seventh Heaven in Pavillion. Yet, I was informed that because it was a Mastercard Debit, I was not entitled to the instant free gift.
Pavillion Brochure-inside of card brochure 1
Pavillion Card- inside of brochure 2
Pavillion outside brochure 3
It is stated on the first brochure (Pavillion Brochure 1) "Get an instant free gift with RM500 charged to any Mastercard Worldwide". As far as the general public is concerned, we are led to believe that Mastercard Worldwide consists of ALL Credit-cards, Debit, Prepaid and Electronic cards under the Mastercard brand.
Here are some questions that I realised:
- The brochure DID NOT state which card, country, card type but just "any Mastercard Worldwide".
- So, does that mean Mastercard Debit does not fall under the "Mastercard Worldwide" umbrella?
- Does that also mean Mastercard Debit users are not Mastercard users?
From here, it can be seen that the Management from Mastercard is clearly misrepresenting their brand.If Mastercard's Management has no intention of rewarding other card type users, they should have stated clearly in the brochure, and added a disclaimer, as this brochure is given to the general public.
I demand an answer from Mastercard. and Pavillion. It is not a small amount that I have spent, and as a customer, I would have thought that the Mastercard in Malaysia would be honest in its advertising.
Why has the Management from Pavillion allowed the brand Mastercard to provide such misleading information in their brochure, and not treat their customers right?
This misrepresentation causes me to think that the Management of Mastercard has the intention of misleading other Mastercard card type users with no intention of honouring their promotion. Don't you agree so?
If this is the way the misleading advertising has been done, both parties (Mastercard & Pavilion) had better provide some good explanation for us.
This has been a really unsavory experience, and definitely does not feel like a very "Royale Christmas @ Pavillion KL" at all!
Follow Up Entry: The Concierge Manager Called.
Monday, November 9, 2009
Debit Mastercard: Better Than Cash?
(Don't you think these cards just look enticing to make you go out and shop further?)
It was not too long ago in Malaysia that Visa had a huge marketing campaign promoting the usage of Visa Debit cards...
But with Visa in the money-making game, it is a given that Mastercard will not want to lose out in getting a part of the lucrative pie which is "money". Even Debit Mastercard would not be able to escape the money driven race.
Granted, I am quite happy to know that Maybank has a version of the Debit Mastercard.
Though, I have yet to convert my yellow ATM e-debit Maybankard to either Visa, or Mastercard Debit. That makes almost all my cards coming completely from one bank, except for the one Citibank Debit Visa that I have.
I would agree with the "no more ATM queues and no more hassle with everyday purchases, no more losing track of your expenditure. ".
However, I really disagree with the tagline "Better Than Cash". They should not be allowed to trademark it.
When one does not possess a Credit Card, other people (who are in the money-making business) would not be able to tempt us to buy items based on a credit facility.
I have been to beauty salons carrying just cash, and a single debit card, knowing that no matter what does sales people do or say, they can't make me buy anything I do not want.
Indeed the credit card is a "credit facility" used when we are tempted to pay for an item we desire based on the "buy now, pay later" philosophy. Spending our future money.
How could Debit Mastercard be better than cash?
Merchants utilize the EPP (Easy Payment Plan) to make paying for a product or services look attractive. Perhaps "that" is the "enticing bait". Preferably, though so, I must admit that the credit card is a useful credit facility, as it provides 30 up to 55 days interest free loan, and when we pay before it is due.
I would use a credit card to buy goods with high-risk factor. (i.e a company retailing a product that may go bankrupt, buying from online malls, E-Bay, and airline tickets).
Utilized wisely, I would be able to buy that nice facial treatment package from Sothys or Clarins amounting to RM600 in two instalments. Hopefully by the time the second instalment comes around, I'd have enough money to pay for it...
But cash is good when I am thinking of getting goods with a Heavy Cash Discount. Yes, everything is negotiable when the price is high, and the payment method used is Hard Cold Cash.
I really love it.
Entry dated: 7th Nov 09
Sunday, November 8, 2009
Citibank: Hilton PJ Paya Serai Buffet Dinner Promotion.
Paya Serai Hilton PJ
Today I was at Hilton PJ for a Buffet Dinner with staff from my mother's work place. It seems that this restaurant, Paya Serai has a special promotion for all its Citibank card holders.
The terms & conditions of the promotion:
- Price per paying patron is RM81+ (including 5% GST and 10% service charge).
- Promotion per paying patron is 1 + 1 (Buy One, Get One Free)
- Promotion valid till 26th April 2010
- Promotion valid only for Buffet Dinner (Sunday & Monday nights only)
- Promotion valid to all Citibank cardmembers (Credit Card & Visa Debit)
Yes, this is a special for all Citibank cardmembers, including Citibank Visa Debit cardmembers. I really appreciate the fact that Citibank is taking it all out to include the non-credit cardmembers in the promotion as well.
How Was The Food?
The food was fairly serviceable. I can't say much about the food as I already had eaten earlier at Secret Recipe (chicken stew, chocolate cheesecake, flat white coffee, and garden salad) with one of my clients earlier, and could not stomach much of the buffet..
The galore of food available was from local cuisine (chinese, indian, malay), international cuisine like western garden salads, cream soups, cheese & crackers, pasta, and the normal dessert fare of kueh & fruits. I had an order of watermelon juice (which seemed to be freshly squeezed from what I could see), but did not check to see if it was included in the buffet range available.
Nonetheless, the attendees who went seemed fairly happy with the galore of food provided. For a 1+1 promotion, its is fairly satisfactory value for money, and seems brighter & cleaner than the so-called upclass Japanese buffet by Jogoya Starhill.
Location: Hilton Petaling Jaya,
No 2 Jalan Barat, Petaling Jaya, Malaysia 46200
Tel: 60-3-7955-9122
Fax: 60-3-7955-3909
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