There is no one-size-fits-all approach when it comes to comparison of credit cards. You have to dig in deep with multiple parameters to compare credit cards. These parameters I’m talking about aren’t only for comparisons. They can also be used to evaluate your financial needs and apply for a credit card in Malaysia, which suits your lifestyle.

Credit Card Type

This reflects the type of cards that could address the financial issues you want to solve. It could be travel, daily cashback, reward points, low interest rates, retail transactions, overseas spending benefits, and so on. For instance, classic cards usually offer low interest rates without any additional/hidden charges or minimum spend criteria. To land on one of those premium credit cards, you must’ve maintained a good credit score.

Finance Charges

There are different ways through which the finance charges for your card are calculated. You have to factor in parameters like billing cycles that you are charged over, debt owed, annual percentage rate (APR), deducted balance, and average balance, to name a few. Keep an eye on the minimum finance charge levied on your credit card.

Credit Limit

Most cards have a fixed credit limit, but some banks may lower it if you do not have a good credit history. Make sure your card application is replete with information about what the credit limit would be; it could either be fixed for the card or your credit score might play a part in determining your credit limit.

Fees & Interests

There are a lot of underlying fees getting charged apart from the annual fee. While some credit cards with exclusive privileges like airport lounge access may charge an annual fee, they also waive it if you meet a minimum monthly spend criterion with say, your retail spending. Other fees include one-time handling fee, processing fee, foreign exchange/transaction fee, early termination fee, late payment fee, and so on.

Classic cards and supplementary cards usually do not charge an annual fee but are low on additional benefits and privileges. But they do charge comparatively low interest on your outstanding balance.

Interest is levied on avenues like balance transfer, foreign exchange, and cash advance. These are value-added services that you get along with the credit card, and are extremely useful if you are a professional in Malaysia.

If you are still undecided…

This is a very normal thing; especially when you are looking to compare credit cards in Malaysia. As much as we are spoilt for choices, the vast range of cards and their benefits can really make it tedious to choose the ideal one.

Instead of selecting the card type (say travel, reward points, cashback, etc.,) first, you can compare varied credit cards with their different USPs and features to get a better picture.

There are credit card comparison tools in websites like Hong Leong Bank, which make your life easier. Getting side by side information about multiple cards in one place gives you a unified, 360-degree view of what to expect and makes your personal credit card evaluation hassle-free.

Using the banking aggregator site in Malaysia called Loanstreet, you can use their credit card comparison page as well, if you need some quick comparisons with respect to the type of card you are looking for. Some aggregators also show the monthly income that is expected of you.

So, in my opinion, the best way to compare credit cards in Malaysia is by using a credit card tool (if the respective bank’s website features one) or an aggregator https://vi.gravatar.com/dvthetindung site’s credit card listicles, which make comparison easier.

Ken Adams is a professional financial consultant. He writes about credit card comparison tools and more.

There are so many important reasons why you should consider a credit union NC better than banks in North Carolina, that the list will never end. Most probably, you have already opted for the assistance of bank consultant before and have been disappointed by the entire experience.

The good news is that when you rely on a credit union, this will never happen. It is just too much of a difference between these two lenders and the way that they treat their clients. Here is what you need to know about banks in North Carolina. First of all, their consultants depend on the level of commission that they earn.

This means that they are paid more to convince their clients to opt for various services that they will not need. This will lead to you having to deal with even more significant payments at the end of each month, on top of the fact that their interest rates are always higher than the ones you would benefit from if you were to join a credit union. When it comes to applying for a loan, you have to be smart about the final decision that you make in this case. Research will give you all the answers you need to know.

Now that you have learned how the bank consultants earn their income, you probably do not trust them too much anymore, right? Well, if you also add the fact that they have an unpleasant attitude towards the people that they can help, you realize that it is simply not worth it to visit banks. The professionals you find here act as if they are doing you a favour. If you think about it, this is not really the case. After all, you borrow the money and you give it back, while also paying interest.

They do offer you money, but you don’t get to keep them. They are offering you a service. That does not make them heroes, even if this is what they act like. The good news is that when you join a credit union NC, you have the chance to talk to consultants that can offer you an excellent level of service. They don’t depend on any level of commission and their top priority is to ensure that their clients or members are more than happy with the solutions that they provide. You will never feel that you are not welcome when you visit a credit union.

Moreover, when you want to apply for a loan, they will ask you a few questions to learn more about your financial situation. If there is anything that you could do right then and there about your credit score, they would tell you so that you do not have any trouble in getting your loan application approved. If your credit score allows it, you will benefit from an even lower interest rate. If you are thinking about applying for a loan, forget about local banks.

You would be able to benefit from many more advantages if you were to simply become a credit union member. This is the kind of choice that will change your perspective when it comes to benefiting from all sorts of financial services. They can help you when you are running a business and would like to expand it, but you need a business loan. At the same time, these consultants can offer you their assistance when you are ready to buy a new car or when you want to save up for later. Truth being told, opening a savings account is a smart decision for the future.

It would be best if you would join a credit union because you have access to all of these services as well as the chance to talk with polite consultants. These professionals understand that you are more than just a client. As a credit union member, you will be treated with respect and will feel incredibly welcome each time you walk through the door. No matter what financial situations you may be facing, they are always ready to listen to everything you have to say and come up with a solution that will meet your needs. If they can’t help, they will at least offer some useful advice.

As you can easily see, https://vi.gravatar.com/dvthetindung there is an entire list of reasons why you should consider joining a credit union NC instead of visiting banks in North Carolina . If you have any additional questions regarding credit unions, visit our website today!

id=”mod_10122995″> This hub will explain how to create the scrolling text credits from the Star Wars movies in your PowerPoint presentation. To create the Star Wars credits we will use different animation effects simultaneously.

Insert the Text

Before we apply any animation we need to insert a text box with the text we want to use.

1. Click Insert on the Ribbon and click Text Box

2. Click on the slide to place the text box

3. Type the text you want to use for the credits

The text box should now be positioned centrally and just off the bottom of the slide.

1. Select the text box

2. Click the Center button in the Paragraph group of the Home tab to centre the text within the box

3. Click the Arrange button in the Drawing group on the Home tab, select Align and then Align Center. This will align the text box in the centre of the slide

Now click and drag the text box down the screen and place it just off the bottom of the slide. Hold down the Shift key whilst dragging to keep in aligned centrally

Star Wars: A New Hope Buy Now Add the Scrolling Effect

With the text centralised, the next step will be to create the scrolling effect across the slide. To do this we will use Motion Paths in PowerPoint.

1. Select the text box

2. Click the Animations tab on the Ribbon

3. Click the Custom Animation button in the Animations group

4. Click the Add Effect button, select Motion Paths and click the Up effect

5. Click and drag the red arrow up to the top of the slide to set the end point of the scrolling

Set the Speed of the motion to Very Slow

Motion Path in PowerPoint to create the scrolling Star Wars credits effect Shrink the Text

A Shrink effect should be applied to the text so that it gets smaller as it moves into the distance of the galaxy.

1. Select the text box

2. In the Custom Animation task pane, click the Add Effect button

3. Select Emphasis and click the Glow/Shrink effect

Set the Start to With Previous, the Size to 50% and the Speed to Very Slow for the effect

Shrink effect settings Microsoft Office PowerPoint 2007 Step by Step Buy Now Fade the Text into the Distance

The final step of the animations will be to apply a Fade effect.

1. Select the text box

2. In the Custom Animation task pane, click the Add Effect button

3. Select Exit, https://vi.gravatar.com/dvthetindung More Effects and click the Fade effect

4. Set the Start to With Previous and the Speed to Very Slow

View your presentation in a slide show and start your Star Wars credits by clicking the mouse button.

Find more Microsoft PowerPoint training guides and tips.

Settings for the Fade effect Add a Star Wars Background

To make the slide even more like the movie, you could apply a background to your slide of the stars and the universe.

Great backgrounds can be found all over the web such as the one at Presentation Magazine

Star Wars Movie Credits Video Tutorial

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sendingNickysamethy

9 years ago from Ipswich, Suffolk

Wow I’m using this for my next presentation! Cheers 🙂

Shalini Kagal

9 years ago from India

Very clear and helpful, thank you!

id=”article-body” class=”row” section=”article-body”> Microsoft is encouraging Windows 7 users to upgrade to Windows 10 before support for the former ends in January 2020. 

Stephen Shankland/CNET With support for Windows 7 ending Tuesday, Microsoft is encouraging users to upgrade to Windows 10 to keep devices running securely and smoothly. On Microsoft’s website, the Windows 10 Home operating system costs $139 to download. However, you don’t necessarily have to shell out the cash: A free upgrade offer from Microsoft that technically ended in 2016 still works. 

When Windows 10 was first released in July 2015, Microsoft offered an unprecedented free upgrade offer for Windows 7, 8 and 8.1 users, good through July 2016. But in 2017, Ed Bott of CNET sister site ZDNet reported that the free upgrade tool was still functional. I tried it out in November 2019, and was able to upgrade a 2014 Dell OptiPlex 9020 desktop from Windows 7 Pro to Windows 10 Pro. As of January 2020, readers are still emailing me and commenting below, saying that it’s worked for them as well.

Read more: 11 easy Windows 10 tricks you didn’t know about 

Windows 7 users who don’t upgrade to the new version will no longer be able to get Microsoft’s security updates or fixes, or technical support for any issues, leaving your computer at greater risk from viruses and malware. While Windows 10 users have experienced a number of bugs over the years, upgrading remains the best option for keeping your computer safe, analysts say. 

Here’s how to get Windows 10 for free, if you’re currently running a licensed and activated copy of Windows 7, Windows 8 or Windows 8.1 Home or Pro: 

1. Go to the Download Windows 10 website. 

2. Under Create Windows 10 installation media, click Download tool now and Run. 

3. Choose Upgrade this PC now, assuming this is the only PC you’re upgrading. (If you’re upgrading a different machine, choose Create installation media for another PC, and save the installation files.)

4. Follow the prompts. 

5. When the upgrade is complete, go to Settings Update & Security > Activation, and you should see a digital license for Windows 10. 

It should be noted that if you have a Windows 7 or 8 Home license, https://vi.gravatar.com/dvthetindung you can only update to Windows 10 Home, while Windows 7 or 8 Pro can only be updated to Windows 10 Pro (the upgrade is not available for Windows Enterprise. Other users may experience blocks as well, depending on your machine). This upgrade using the media creation tool isn’t meant for the general consumer, but it works for many nonetheless. 

To get the best Windows 10 experience and take advantage of features like passwordless sign-on through Windows Hello, you’ll want to purchase a new Windows 10 PC (or one released after July 2015) with all the hardware upgrades. If you’re a student or university faculty member, you may also be able to download Windows 10 for free (search for your school’s software offerings here). 

For more, check out Six security changes all Windows 10 users need to make and Windows 10 update: Everything you need to know. 

Now playing: Watch this: How to take Windows 10 screenshots 2:04

id=”article-body” class=”row” section=”article-body”> This OnePlus concept phone looks gorgeous from the front and has a peek-a-boo camera on the back. 

Angela Lang/CNET This story is part of CES 2020, our complete coverage of the showroom floor and the hottest new tech gadgets around. The phones of CES weren’t many, but they were informative, hinting at important trends we’ll see in 2020 — including cheaper applications of 2019’s most expensive features. Typically, the CES showing settles on midrange devices, but this year also brought us some interesting concepts to chew over, and a realistic look at what we can look forward to.

This isn’t unusual. Phone makers are far more likely to save their whiz-bang features and high-powered specs for Mobile World Congress, the world’s largest mobile show, which takes place Feb. 24 to 27 in Barcelona.

Until then, soak up the hints of what’s to come, https://vi.gravatar.com/dvthetindung including a concept for a peek-a-boo camera that disappears from view when you’re not using it.

id=”article-body” class=”row” section=”article-body”> I’m using a Willow breast pump while working and no one is the wiser. 

Sarah Tew/CNET This story is part of CES 2020, our complete coverage of the showroom floor and the hottest new tech gadgets around. I’m sitting in a workroom here at CES 2020 with 35 of my CNET teammates, and no one knows I’m pumping breast milk. 

That sentence would have sounded insane three years ago, but this motherhood magic is possible because of a machine called the Willow that’s tucked inside my bra. It’s technology that was unveiled at CES 2017 and is changing my life today — and the lives of 60,000 other Willow owners looking for dignity and freedom while providing for their babies. 

Now playing: Watch this: Willow Pump 3rd-gen: How a CES gadget saved my sanity 5:38 At this year’s show in Las Vegas, https://vi.gravatar.com/dvthetindung Willow announced the third generation of its $500 wireless, Bluetooth-connected breast pump, which collects milk in spill-free bags. The machines look the same as prior models, but inside is new tech that improves the smarts of the suction automation, resulting in a softer, slower rhythm. In Willow’s tests, it led to women pumping 20% more milk on average compared to older Willow models. 

It’s not the kind of tech that turns heads. It’s not a giant TV wall or an alien concept car, but it is one of the few pieces of tech here that genuinely improves lives.

The components of the third-generation Willow look the same as the current model, but the mechanics inside the pump are improved.

Angela Lang/CNET The American Academy of Pediatrics recommends infants are fed breastmilk for their first year. When traveling, it’s not easy to pump. A pumping session can take about 30 minutes and, if you want to bring home enough milk, you may need to do it every two or three hours. Miss a few pumping sessions here and there, and your supply can diminish quickly. According to the US Centers for Disease Control and Prevention, 60% of mothers don’t breastfeed for as long as they intend to. Stress about pumping at work is the second biggest reason women don’t return to their job after maternity leave, according to Ovia Health.

Traditional breast pumps are a bit dehumanizing: Find a private room to take off your top, hook up to a machine with cones and tubes as collection bottles dangle from your breasts, and stay there for about 30 minutes tethered to a power outlet. With Willow, the only privacy you need is the time to put it on. Then you’re free to walk around with these pumps under your clothing that weigh just under a pound each.

A Mamava pod on the convention center floor provides privacy for moms with traditional pumping machines. It was occupied a few times I walked by, but I didn’t need to rely on it.

Sarah Tew/CNET Finding a private space isn’t easy. There are a few Mamava pumping rooms scattered around the convention center for that very thing. But the one next to the CNET stage was occupied the two times I wanted to use it to put on the Willow. Luckily, the Willow is simple enough I could pop into a bathroom stall, put it in my bra and be done in a few minutes. Align it on the breast, hit the play button, secure it in the nursing bra and I was good to go.

When you’re done with a session, the spill-proof milk bag pops out for easy storage in a cooler bag.

Angela Lang/CNET I’ve lived on both sides of this world. I have two kids. The first time I was in the pumping phase at CES, there was nothing like Willow. My only options were a convention center bathroom or a time-consuming run back to my hotel. I ended up not pumping most of the day. By the time I got home from the week-long trip, my supply had diminished to the point where I ended up switching my 6-month-old daughter to formula. It was just too hard to keep up.

Now I have an 8-month-old son and I’m able to keep pumping longer without missing a beat. When I’m done, I take the Willow out of the bra, pop the milk bag out into a cooler lunch bag, and run to the next meeting. And that cooler bag comes with me to the airport on my trip back to New York.

Willow isn’t the only company on the scene now. There’s also the Elvie, a different design I’ve also tested. It also sits in your bra without any wires, but instead of bags it collects the milk in a container at the base of the pump. It provides similar freedom and an app to track it all, but it isn’t spill-proof if I bend forward. 

It’s heartwarming to see at each new CES more options for tech that helps moms.

Willow says more than 80 women have been testing its newest model, which is coming out in the spring. It’s not a device I’ll need by then, but it can make a difference for the next round of mamas entering a world where pumping while working and traveling doesn’t need to be a big deal. 

And that’s a big deal.

See it at Willow