Financial Management For Student

    Hello readers. today I'm going to share with you guys how to manage your financial in daily life.A healthy financial structure is an important factor in student organization success and sustainability.  I, as a student of matriculation Pahang, have faced many problem to manage my money. I believe most of you had this problem ever. The problem can be solve by yourself and no one can control your money except u.

    My mom always told me to safe my budget. if i over my budget. my mom will yelling at me.so i need something to do to control my knot.  u can do many way to save money.  such as make a list that things u buy and write day/date at the top of the corner of the book to make sure u remember the date/ day u has spent your money. do not save what is left after spending, but spend what is left after saving.

 1. create budget.

This is incredibly important. List monthly income sources, including savings, wages and parental allowances, and then write down estimated expenses for the month. It isn't easy to identify college living expenses in advance, but you should try. Take costs such as school supplies, food outside your meal plan, personal care items and laundry into account. Then, try managing your budget and tracking expenses using an online personal finance management tool like Mint.com, which helps you easily create and stick to a budget.

               

2. separate wants from needs

IIs $30 per week for gas a "need" or a "want?" How much should you budget for non-meal plan food? How much will laundry cost? After a few months on campus and tracking expenses, it becomes easier to distinguish wants from needs and put a plan into action. Some students give themselves a weekly cash allowance rather than carry a debit card, and when that week's allowance is gone, they wait until next week for more "wants."

3. Set up a checking account. 

Banks usually cater to college students by offering free checking and saving accounts, which allows students to avoid fees on withdrawals or fund transfers. Shop around to find a bank with convenient ATMs near campus to eliminate out-of-network charges. And keep in mind that when an out-of-state check arrives (say, from grandma), it may take a few days to clear, so keep an eye on the account balance before spending against it. 

4. Use, don't abuse,credit cards.

 In 2012, 70 percent of undergraduate students had at least one credit card, according to the International Journal of Business and Social Science. College is a great time to start building credit (which is crucial for leasing an apartment, purchasing a vehicle and even landing a job post-graduation), but it's easy for many to amass a large amount of debt while in school. It's important to understand the difference between credit building and overextending. If you don't know, visit a business professor during                                  office hours and ask!

5. Do your homework on loans and financial aid.

 College graduates tend to have a difficult time balancing ever-growing student loan payments against declining wages. Understand what the exact size of your student loan debt will be upon graduation, and come up with a plan for how you will pay it back. Even if it involves moving back home for a bit (to preserve your sanity, give yourself a specific timeline for when you plan on moving out), it will be worth it in the end.

6. Shop smart for textbooks.

 Textbooks are one of the biggest college expenses – a brand new edition of a biology book can cost upward of $300. Bypassing the campus bookstore at the start of each semester is an easy way for college students to save an abundant amount of money. Invest in a Kindle or iPad and download your books – they are less expensive that way. Or look for books in used bookstores or online. Even with shipping costs, the price can turn out to be significantly cheaper.

type of website

hello readers! today i want to share with u guys what is type of website. last week i have learned various of website in science computer class. From my knowledge, website is a collection of related web pages and associated items. from my reseacrh from wiki A website^[1] is a collection of related web pages, including multimedia content, typically identified with a common domain name, and published on at least one web server. A website may be accessible via a public Internet Protocol (IP) network, such as the Internet, or a private local area network (LAN), by referencing a uniform resource locator (URL) that identifies the site.
Websites have many functions and can be used in various fashions; a website can be a personal website, a commercial website for a company, a government website or a non-profit organization website. Websites can be the work of an individual, a business or other organization, and are typically dedicated to a particular topic or purpose, ranging from entertainment and social networking to providing news and education. All publicly accessible websites collectively constitute the World Wide Web, while private websites, such as a company's website for its employees, are typically a part of an intranet. let me show one by one types of website and its example.

portal

define of portal is a web sites that offers variety of internet services from single, convenient location. 

portal also have offer these free services : 

•  search engine

• news 

• sports and weather

• web publishing

• reference tools ( such as yellow, maps, shopping, and e-mail and other communication services)

Blog 

define blog is an informal web site consisting of time-stamped articles, or posts in a diary or journal format, usually listed in reverse chronological order.

blog is a short weblog that reflects the interest, opinions and personalities of the author and sometimes site the visitors.

TERM USE IN BLOG

vlog(video blog) : contain video clips (people usually use youtube)





microblog : allows user publish short 
messages

blogosphere : worldwiede collection of blog

vlogosphere : all vlogs worldwide

blogger : blog author

malaysian famous blogger is adilla idris who is recording artist and certified fitness instructor 

vlogger : vlog author

Internet Services

hello readers, today i want to share with you internet services. first at all, the definition of internet services provider (ISP) is a business that provide an organization or individual to access the internet for a free or a fee. did u know internet have 6 types of internet services. here some list 

1. INSTANT MESSAGE 

what is instant message?
 instant message is a real-time internet communication service that notifies you when one or more your established contacts are online an then allows you to exchange messages or files or join a private chat room with them. 

what is real times?
term use with online communications that means you and the people with whom you are conversing are online ate same time

application that people use to connect each other through a network. For me, i often  use whatsApp messenger. this application give many uses such as sent a chat or make a video call or voice call for free. its also reduce a cost. Here some example instant message 

FACEBOOK MESSENGER

 TELEGRAM

WHATSAPP

YAHOO MESSENGER

AOL  INSTANT MESSENGER

2.  VoIP

what is VoIP?

 VoIP is conversation  that takes place over the internet using a telephone connected to a computer, mobile device, or other device

• short for voice over IP
• VoIP also called internet telephony
• enables users to speak to other users via internet connection
• to connect a calling party to one or more local or long distance called parties

i usually use skype and wechat. HERE SOME FUNCTION OF THIS APPLICATION