The above are sites you can check out …. ctos (not sitos) and creditbureau.bnm (bank negara malaysia) is (Central Credit Reference Information System -CCRIS). Good luck!

Gold investing is certainly worth looking into, especially in todays economy.

From what I’ve learned in my search for Gold bars and coins, they (Bars) are not nearly as popular as gold bullion coins. However, purchasing gold bullion bars gives investors gold bullion at bullion prices, which are much lower than the prices at which gold coins sell. Older Coins however, do have the rare, vintage values to consider as well. One must weigh rarity over current gold prices when considering “bar” or “coin” investing.

One thing is for sure, Gold IS a great investment!

Tony

one more thing can be included to the above 5 important points- the use of online money management software which is really in the buzz now days.You can avail all its services through a personal computer having internet connection and that too without wasting your time.
Basically this software keeps a track record of your expenses and income and tells you where your money has gone.
I am also using the services of one such software i.e manageME7.com both in business and at home.It is so simple to use that my 16 year old nephew is also using it and have realized the essence of money at such an early age.
In today’s world when the inflation is high,taxes are more and more to the misery there is unexpected slump in the economy.Therefore one can take a small but effective step right from the early age by using the online money management software services and can use their fund more wisely!