Hmm…. Photography topic should be posted at JayceOoi.com but I want to put it here. Why? It deals with money.

I want to buy a new camera body from my existing Canon EOS 400D. It is just 1.6x crop body. Plan to buy a full frame body in near future. I have 2 options to choose. Canon EOS 7D which is also 1.6x crop but with better focus sensor and has video function. Or the Nikon D700 full frame body with no video ability. I don’t even think of Canon EOS 5D Mark II due to its poor focus sensor. It is almost as poor as Canon 400D ~ 9 points with 1 center cross type sensor. However, it is not a simple decision to change to Nikon because I have several lens like 18-55mm lens, 17-55mm f/2.8 IS lens, 50mm f/1.4 lens and 580EX II flash. I need to sell everything if jump ship to Nikon. But I really love the image quality of full frame body.

Looking around the web forum on buying and selling column lately. Most of the prices offer was low. Camera body price dropped the most due to new technology coming out. Luckily, the price of the lenses do not drop unless a replacement lens comes out. That is a long time because lens usually get replace in 10+ years time while body in 2 years. So better invest in lens more than body.

Guess what? I think that I have decided to stay with Canon for some times. I look at my lenses. They are so new. I am not willing to sell them off at low price. Hmm… Should I buy Canon 7D or Nikon D700?

By the way, after thinking and wondering for answer. I think that I better do this…

Focus on taking photo, not the camera and lens.

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I created “Share it” like below on 17 October 2009. I told myself to put it there for at least 1 month to see the result.

So how is the result? Well, not much traffic from this so call ‘Share it’. Therefore, I removed it immediately to save some layout space. Hmm… Why nobody want to share it? Can you tell me why?

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Which life insurance package should I choose? That’s the question that I ask when I started my first job after university. Everyone need an insurance package (Rich people might don’t need it). We need it on emergency. Therefore, life insurance is a must for me.

There is lot of life insurance packages in the market. Some of them are investment, saving link. And some are just life insurance. And some include 36 critical illnesses coverage. Most of them will come with personal accident coverage too. However, which life insurance package is suitable?

Mutual Life Plus 2 Coverage
The Mutual Life Plus 2 is a term insurance policy which protect you against;
A. Group Term Life (GTL)
B. Group Personal Accident (GPA)
C. 36 Critical Illnesses

I selected Mutual Life Plus 2 from Public Mutual. It is an insurance package especially designed for unitholders of Public Mutual. I still remember that it only cost RM750 for RM200,000 life insurance package coverage when I signed up. The cost increased to RM950 the next 5 years. And RM1100 from now onward. It does not include any investment or saving on this package. Whatever you pay for this package will fully use for insurance. Therefore, you get higher coverage. That’s what I prefer.

On average investment link insurance package in the market, it is priced at RM1800 to RM2000 last 5 years (I did not do research lately, not sure what is pricing for it now). Anyway, I did not select investment link package due to low coverage @ RM50,000 only. Try to ask yourself. What can you do with RM50,000 nowadays? If you caught in an accident, can this RM50,000 manages to cover your life expenses when you are disabled? I don’t think so.

Which life insurance package do you own?

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Malaysian can withdraw PayPal funds to local banks for FREE. But the exchange rate from USD to RM is low. I checked it just now.

Only 1 USD = 3.32498 MYR. Come on. Bank Negara Malaysia Ringgit Foreign Exchange Rates shows 1 USD = 3.4050 MYR on 30 October 2009. Why PayPal exchange rate is so low? You will loss RM801 RM80.10 for 1000 USD-MYR conversion. That’s a lot!!!

Anyway, will check the exchange rate again next few days. See is there any improvement.

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Yeah… A great news for Malaysia PayPal users. Now you can withdraw PayPal funds to local banks for FREE. I have some funds in PayPal from ADSDAQ. Before this, I planed to use the fund to pay US hosting fee or buy online stuffs from US. But now no need to keep so much fund in PayPal already. I can withdraw them easily.

All the while, the only way to get PayPal funds out was using credit card or charge card. And there is USD 5 fee charges (RM20 now). But who want to withdraw to card when you can get it free (>RM400) or pay RM3 fee (<RM400) to local bank?

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