Saturday, June 18, 2011

Malaysian IPTA/IPTS Student - 10 Ways To Earn Extra Money

I believe most of us who had attended university life wish that we can have some extra money other than the money from our study loan or the 'Father & Mother loan'. Maybe some of them are lucky to have rich parents to support all their needs and even can give them unlimited credit cards to spend on. Most of us are not that lucky.

Here I suggested 10 ways to earn extra money for IPTA @ IPTS students in Malaysia:

1) Work part-time at fast food restaurant, convenient store, boutiques...
Many students are practicing this at the moment. Usually, they get paid based on hourly rate. Try to ask for a more flexible working hours so that you can replace those hours where you have classes.

2) Giving one-to-one tuition to primary or secondary students
Some parents are willing to spend on one-to-one tuition for their children. One-to-one tuition is more comprehensive. Student and tutor will also be able to concentrate better. Most importantly, the time is more flexible compare to huge tuition classes. Tuition rate are varies. It also depends on both party. If you are lucky and you help your student to get significant good result, you might receive higher pay and will be hunted by other parents.

3) Take part in university research program
In higher lever of learning, there will be a lot of research program going on. For research, normally they will need temporarily staff to help to complete the research program. Other than getting the pay, students will also learn new things which might be useful for their future.

4) Write article and sell it 
If you have the writing skills, you can consider to sell your articles to local publisher or to the internet. If you have great interest in certain topics (for example beauty & grooming, relationship, teaching, gardening, cooking, current technology), someone out there might be willing to buy your article.

5) Get a job during semester break
My niece always practise this. She'll work full-time during her semester break at a local mall. I think she gained the trust from the employer. She told me she might do her industrial training at the local mall.

6) Selling your art skills 
If you are a good artist, you can consider to sell your artworks. If you have talent in song writing, perhaps can write lyrics or music. If your song become a hit records, you will have a good return. Or, you can teach music classes (piano, guitar, violin).

7) Selling your photography skills
I know a student who work part-time to take wedding photo. For your information, the cost of a professional wedding photographer is quite expensive. And most importantly, sometimes the photographer has been booked months or years ahead before the wedding. If you know any of your friend or relatives are getting married, try to offer your photography skills. Of course, you have to ensure you have the photography skills to impressed. If you have not, but you're interested, you can consider working part-time at local bridal centre to acquire the related photography skills.

8) Internet Marketing & Blogging
From my reading, some students really make a lot of money from Internet Marketing and blogging. Some even become millionaire before they even graduated from university. I wish can write more but I myself still learning on Internet Marketing. If you have access to internet, you'll find tonnes and tonnes on making money from Internet Marketing.

9) Become part-time MC or DJ
If you have the right voice quality, quality and have got the interest, you can consider as parat-time MC or DJ. 

10) Take part in Network Marketing Business
I know a friend who involved in direct selling product when I was at university. I think she earns quite a lot from selling the direct selling products. I can tell, she also have a busy schedule. The sister of my coursemate was an insurance agent while she still study in university. She really improved a lot after she joined the insurance agency. I believe she not only has the money now, but also a wide network connection.

My advice, there is no easy way to earn extra money (well, at least until now I have not found any easy way). One has to sacrifice her time and put a lot of effort to earn extra money. Just ensure that you are not doing anything illegal to get extra money.  It's not that difficult to earn money from the illegal way, but the scary part is the after-effect. It's not worth it. And most importantly, do not neglect your study while you work part-time.

All the best!

Thursday, June 16, 2011

How To Change Vehicle Ownership in Kuching, Sarawak

I am so happy. After 7 years, I settled my car loan with CIMB bank :)

A few days before the due date of my car loan, I called the CIMB Auto Finance Centre in Kuching to enquire about the amount of my last settlement and to enquire about the change of ownership of my car. At the same time, I am also renewing my road tax and car insurance.

After I done my last settlement, renewed my road tax and car insurance, the officer told me to come back the next day to collect my green card and Settlement / Release Letter. So, the next day I went to collect my green card and Settlement / Release Letter. The bank officer reminded me to bring along my green card and Settlement / Release Letter and go to JPJ to change the ownership to my name. He said I can go any time but better not to delay for too long. As many people forgot to change the ownership and problem might arise if  they want to sell their car.

So, after a few days, I went to JPJ. I brought along my green card and Settlement / Release Letter from CIMB Bank. JPJ in Kuching is located at 14th Mile, Kuching-Serian Road and the transfer of ownership is at JPJ Block B. Luckily hubby reminded me to go straight to Block B. Else, I might be wasting some time to ask around. The whole process, from waiting time to getting the chop from JPJ only took about 15 mins. Hubby said they just need to confirm from JPJ online system that the settlement is done, then they just put a chop 'DIBATALKAN' where previously was 'Hakmilik Dituntut oleh: Bumiputra Commerce Fin. Bhd...' The officer also sign and stamp her name and position, and with a date at the back of the green card. That's it. Done and the car is fully mine :)

By the way, there is no charges involved. It's FOC.

Additional note: If you are paying runner to do the change of ownership for you, you will be charged between RM8-RM10 as service fee.