Home Loan Modification

With the recession looming over our heads nowadays, it is very difficult for many of us to make ends meet. I have friends complaining that their salaries monthly can hardly give them a comfortable life now, not as few years ago. They are resorting to part time jobs to cater the needs for their families. For those with housing loans from banks, it is even more difficult as their base lending rate varies from year to year. Some regretted for not considering thoroughly first before signing their housing loans and now they are committed for life.

Those who are planning to get married and intending to buy a house should get some advice from some experienced Attorneys who are specialized in helping homeowners. One of them which I want to mention here is Home Loan Modification. They are the people who specialize in helping homeowners submit their home loan modifications to their Mortgage Lenders.

As clients, all we have to do is to visit their website for a free consultation and their network of attorneys will provide suggestions or ideas as to whether the clients will qualify for a home loan modification or not. Their dedicated and attorneys will do the rest for you, they will negotiate with the lenders and they will do their best to make it possible for their clients to stay in their home and to stop foreclosure from happening. For more details, you can check into their website as mentioned above.

More On Dentistry

Anyone interested in taking up dentistry? I was browsing through the Internet and stumbled upon this course.

To become a dentist, let me share the following tips that will provide you with information and preparation for an education in dentisty.

Firstly, if you are still in high school, math and science are important subjects to focus on. It would also be helpful to enroll in college prep classes. Chemistry, liberal arts, biology and algebra are college prep classes that would be helpful to you.

In college, you don’t have to major in science, however, you must complete the pre-dental science requirements in the United States. Recommended college courses are biochemistry, organic and inorganic chemistry, physics and general biology.

In the United States, an undergraduate degree is recommended before dental school. The majority of students in dental school have had 4 years of college.

Find out about different dental schools and the requirements for admission of each. Most dental schools will offer you valuable information about what you should do to prepare for a career as a dentist.

Some Facts About Bio

Bioengineering is the science upon which all biotechnological applications are based. With the development of new approaches and modern techniques, traditional biotechnology industries are also acquiring new horizons enabling them to improve the quality of their products and increase the productivity of their systems.

Whereas Biotechnology combines disciplines like genetics, molecular biology, biochemistry, embrology, and cell biology which are in turn linked to practical disciplines like chemical engineering, information technology and biorobotics. Patho-biotechnology describes the exploitation of pathogens or pathogen derived compounds for beneficial effect.

Made Easy With Keyword Software

When it comes to computer software, I have to confess that there are much information about IT that I have not come across as yet. There are lots to learn and everyday seems to have something new in the softwares. Basically, we got to start from the beginners stage and from there, we can slowly learn up step by step into our PPC campaigns and to make money out from keyword research.

Firstly, we need to know that PPC campaigns are based on focused keyword research, compleing ads and effective landing pages. Want to save time and money? The easiest way to go for keyword research is by investing in a keyword software. It is always more valuable to have a software at hand than to go to a Yahoo search term suggestion tool. The software can help us acquire what we need in a nick of time and even when we are looking at topics, we can use a keyword research to target so that the prospects searched will make a profitability of a topic. Not only it saves our time, it can help us generate some income too!

With the Adwords research software, we can earn regular commissions by promoting niche products using simple one page article. Besides that we can also make residual monthly ad revenue by creating niche as well. Start with this software that allows any affiliate using Adwords to smash the competition and cash in on massive fortunes that have been hidden. Written here is that once you add this software, you will be able to boost your sales, eliminate those wallet draining keywords and cash in on huge profits that you are going to achieve.

Biotechnology

Some of my friends are enrolling into Biotechnology courses and I am not very sure what it is all about. It seems a lot of students are opting for this bioscience too and now I will share with you what I have come across.

Biotechnology is technology based on biology, especially when used in agriculture, food science and medicine. Basically it is about any technological application that uses biological systems, dead organisms or derivatives thereof, to make or modify products or processes for specific use. Meaning to say, it encompasses a wider range and history of procedures for modifying biological organisms according to the needs of humanity, going back to the initial modifications of native plants into improved food crops through artificial selection and hybridization. This is called Biotechnology.

New Guidelines To Blogging

This is something alarming I read just now and I hope it will not happen here in Asia as yet. Bloggers need to follow guidelines as to how to legalise one's blog...

The Federal Trade Commission is planning to crack down on bloggers who review or promote products while earning freebies or payments.

This would, for the first time, bring bloggers under FTC guidelines that ban deceptive or unfair business practices.

"New guidelines, expected to be approved late this summer with possible modifications, would clarify that the agency can go after bloggers--as well as the companies that compensate them--for any false claims or failure to disclose conflicts of interest," the article explained.

The rules could be quite strict, even extending to the practice of affiliate links--for example, a music blogger who links to a song on Amazon MP3 or iTunes that earns an affiliate commission in the process.

Izea says that it requires bloggers to disclose what they've gotten paid for or what they've received for free. But with the proposed FTC guidelines, if a blogger fails to disclose a freebie or payment, both Izea and the blogger could be held responsible. The FTC could also take issue with the fact that for at least one promotion, Izea has said it avoided including bloggers who would be likely to give the company negative press.

Some bloggers, the AP article mentioned, are concerned that the FTC's efforts could go too far, possibly generating probes into posts that were written without any compensation, and possibly leading bloggers to post with more restraint. And some believe it would be better if bloggers created their own standards based on niche and industry.

Then there's this: does the FTC realize just how many small-time bloggers are out there? Championing business ethics is a worthy goal, but, um, good luck getting much done when there are hundreds of thousands of blogs out there and new ones popping up more or less daily. Ever heard of the expression "herding cats?"

Online Chatting

Thanks to the Internet technology, we are able to communicate and interact with our friends, near or far, we are still able to keep in touch each day. For those who have an interest to know more people or to contact with your own friends, now you can register with Friends Chat website. Just sign up in their link and you can come together to keep in touch with one another. You can either communicate through chatting or with your webcam where you can see each other. Signing up is simple and the membership is 100% free! You can start chatting and viewing straightaway with all of the users in this website throughout the day and night...lol... make sure you do not wake up with "panda eyes" the next morning!

Accounting System Part 2

Continuing from the previous post on Accounting...

The accounting equation is about a fundamental and an example showing how it remains in balance after each transaction.

The Accounting cycle is the steps, from the initial transaction to preparation of the financial statements and closing entries.

The purpose of the source document showing all examples and their role in the accounting cycle. Journal entries are the basics and the General Ledger is to show how to post transactions to the ledger accounts.

Debits and Credits are the main transactions in an accounting system.

Trial balance is to identify errors in the accounting process and the role of closing entries are also involved for the month end. The financial statements refer to the balance sheet, income statement, statement of retained earnings and cash flow statement.

Basic Steps To Accounting

When it comes to accounting, here are some basic steps that one need to understand in this scope. Let me list out some of the following:-

Financial Accounting - It is the basic introduction to financial accounting. It defines financial accounting, compares to managerial accounting, lists underlying assumptions and provides an example of recording transactions.

Underlying Assumptions and Principles is a description of the basic financial accounting assumptions, principles and modifying conventions.

Single Entry Bookkeeping describes the simple single-entry bookkeeping system and why it is inadequate for many organizations.

Double Entry Bookkeeping is the introduction to the double entry system that is the foundation of modern accounting.

These are a few of the basic steps in accounting and there are a few more topics. Accounting is an interesting course to undertake if one is interested in figures and numbers. It is one of the most challenging course and career as well. This is my opinion... :)

The Accounting Equation
The fundamental accounting equation and an example showing how it remains in balance after each transaction.

The Accounting Cycle
The steps of the accounting cycle, from the initial transaction to preparation of the financial statements and closing entries.

The Source Document
The purpose of the source document, examples of source documents, and their role in the accounting cycle.

Journal Entries
The basics of the general journal and journal entries and the role of special journals.

The General Ledger
The purpose of the general ledger and how to post transactions to the ledger accounts.

Debits and Credits
An introduction to debits and credits and how to avoid confusing them.

The Trial Balance
How to calculate the trial balance and use it to identify errors in the accounting process.

Adjusting Entries
Types of adjusting entries and how to make them.

Closing Entries
The role of closing entries in the accounting process and the procedure for making them.

The Financial Statements
An introduction to the balance sheet, income statement, statement of retained earnings, and cash flow statement.

Accounting Standards
A short description of financial accounting standards groups and authoritative bodies, including FASB, its predecessors, and other accounting standards groups.

The Balanced Scorecard
The Balanced Scorecard is a relatively new management accounting system that includes financial and non-financial performance measures. This article introduces the Balanced Scorecard and describes each of its four measurement perspectives.

First Amerigo

With the recession and economy slowdown these days, there are some companies offering personal loans and business loans to assist those who are in need of a quick turnover and in times of urgent needs. These companies are getting quite popular nowadays during this time of inflation attacking the nations globally. For those who prefer confidentiality, they resort to loan consulting firm online instead of approaching the companies personally. One of the loan consulting firm online that offers loans with confidentiality is First Amerigo.

Their main objective is to help out those who need cash urgently and one of the loan offered is known as Unsecured Loans. The meaning of unsecured loans is that we can have a loan without any collateral requirement or with little or no documentation at all.

This is the first time I heard of it but I am sure there are certain conditions to fulfill. For more details, you can log into their site and find out whether you are qualified to take up the loans or not. The best is to spend within our limits. But if there is really no other options that offers you urgent cash, then you need to consider carefully before resorting to loan companies. Read their terms and conditions thoroughly before submitting and signing up for the loans you really required.

Hotel Management

Hotel and Lodging Management is a fun and exciting industry, and job growth is forecasted to be lower than the average, and so competition will be keen. Jobs will most likely go to applicants with college degrees in hotel management and restaurant management. Also, it is important to remember that working nights and weekends is common.

Lodging managers have many responsibilities. They make sure that their establishment is run efficiently and productively. In order to do this, they have many different responsibilities depending on job title and type of establishment. They may oversee everything personally in small hotels, or they may have a whole team of support staff at a large resort with many services and hundreds of staff.

I have friends working in the hotel management line and most of them told me, "Once you are in hotel line, you are like married to the job." :)

Flags And All Accessories

Are you proud of your country? Do you raise a flag at your own home when it comes to Independence Day?

I remember during my school days, each Monday of the week, all of us students and teachers will stand in honour of our country's flag while singing our national anthem at the same time. The Flag will gently be raised while the music and singing goes in tune. Everybody stands to attention when there are special occasions especially during sports, national games, inter-state or international functions, the honour of the country is shown by raising the international flags on the flagpoles. It is a moment of pride and honour for all....

Coming back to flags, let me share with you about one of the largest online store for all types of flags, mainly America and other countries as well. The store I am talking about is the US Flag Store, it carries over $4 million in inventory and ships over 500 to 1000 flag orders a day. Isn't that amazing? They have ample staff of over 100 to oversee the orders, they sell better flags for less but with faster shipping. Besides just flags, they also offer flagpoles, state flags, world flags, flag display case, patriotic decorations and custom flags as well, including the popular brand Valley Forge Flags. With all these accessories in their store, you will not leave anything that you need to have. For example, if you are looking for a 20 foot in ground flagpole or a simple mounting kit to hang outside your home, all you have to do is to log into their website and the choices are all there. Whether you need the flags for both commercial or personal use, indoor or outdoor, they are all for you to choose from. Flags as low as $0.14, the stick flags are available too.

For more details and pricing, do log into the united-states-flat.com now. Their list is endless, I am sure you will be able to get what you want to have for all occasions!

What Is Actuarial Science

An actuary is a business professional who manages financial risks related to insurance product design, pension and other financial corporate planning. By applying his knowledge in probability, statistics, risk theory and financial principles, an actuary is abled to quantify future risk with respect to insurance, anuiti and pension programs.

To achieve all this, an actuary must initially collect and analyse data to formulate mathematical models. Models on the probability of sickness, death, accident and so on together with unemployment , marriage and other demographic tables are constructed. After all probabilities and company's expenses are calculated, an actuary is abled to determine the value of periodical or single premium needed to pay for expected insurance benefits to be paid in the future.

An actuary is also known as a financial architect and a social mathematician due to his unique combination of quantitative analysis and business expertise to solve the ever increasing financial and social problems. The calculations and planning of an actuary is the backbone of the insurance industry and financial securities. Eventhough an actuarial career involved a lot mathematics, an actuary must always observe current issues and trends in business, social science, legal environment and the economy.

Gold Coin

Interested in collecting and investing in gold coin? Well, if you are, then here are some useful information you might want to know. As written here in their website, Monaco Rare Coin is one of the Monex family of companies, a trusted leader in hard asset investment which offers an unique blend of expertise and experience in assisting you to find the best rare coin value the market has to offer. At Monaco, there are knowledgeable and experienced professionals readily to serve all needs, a wide range of investment programs and finest rare coins available to fit most budget. For nearly 40 years, the Monex companies have been dealing with a two-way buy-and-sell market for rare coins and precious metal products, investors too have invested $25 billion in hard asset investment that includes rare coins.

For those interested for more valuable insights and information from Monaco, now you can have a free trial subscription to "The Rare Coin Insider". As their motto claims "Full Service Coin Trading", they offer the best prices and services for all rare coin collectors and investors.

Virtual Learning Environment

Ever come across virtual learning environment (VLE)? It is a software system designed to support teaching and learning in an educational setting, as distinct from a Managed Learning Environment (MLE) where the focus is on management. A VLE will normally work over the Internet and provide a collection of tools such as those for assessment (particularly of types that can be marked automatically, such as multiple choice), communication, uploading of content, return of students' work, peer assessment, administration of student groups, collecting and organizing student grades, questionnaires, tracking tools, etc. New features in these systems include wikis, blogs, RSS and 3D virtual learning spaces.

This is something new that I came across just now. Wow, there is always something I can get to know online here...

First Amerigo

With the slowdown in economy these days, there are some companies which are offering personal loans and business loans to assist those who are in need of a quick turnover and in terms of emergencies. They are getting quite popular nowadays especially in this recession time globally. For those who prefer confidentiality, they resort to loan consulting firm online instead of approaching the companies personally. One of the loan consulting firm online I came across is called First Amerigo.

Their main objective is to help out those who need cash urgently and one of the loan offered is known as Unsecured Loans. The meaning of unsecured loans is that we can have a loan without any collateral requirement or with little or no documentation at all.

This is the first time I heard of it but I am sure there are certain conditions to fulfil. For more details, you can log into their site and find out whether you are qualified to take up the loans or not. Read their terms and conditions thoroughly before submitting and signing up for the loans you really required.

The Door To Globalization

In today's Star paper, I was a bit taken aback when our DPM said this...

Deputy Prime Minister Tan Sri Muhyiddin Yassin is surprised to learn that English is not a “must pass” subject for SPM and wants public feedback on the matter.

It has been ongoing for some time that English has been set tracked and not deemed as an important subject by the education ministry. Concerned parents have forseen the dangers and perils of not learning English and have since sent their own children to private tuitions regardless of what the ministry has condoned. I am sure that their efforts paid off, children have come to accept English as part of their daily lives and seen the subject as the door to globalization.

I hope the ministry will take this seriously and do something about this once and for all...

Is It Worth Being Drunk?

In today's star was featured Drunk Man Rams Immigration Gates... when he reached the border and found the gates were closed, he forcibly rammed into the gates. Due to his impatience and drunkenness, he was caught and now remanded for a few days. I wonder what will happen to him while being interrogated.
In his drunken state, will he remember where he is now? When he has sobered up, will he be able to recall? Is it worth drinking and causing such a serious offense? Will he take this as a lesson in the future?
Well, in my opinion, anything excessive will bring harm to ourselves...just remind us of that...

Plumber Services

Buying a house or property is easy. Just get some loans and pay them monthly and that's it. You have an asset under your name and live comfortably, right? But as months and years go by, our houses need maintenance and minor repairs on and off.

If we were skilled workers, then it would not be a problem. But for those who do not know how to handle repairs like leaking taps, broken chairs and tables, it is a hassle. For instance, my whole wardrobe fell down a few days ago due to the latch being worn out, I have to look for a carpenter for repairs.

Good news for those searching for San Antonio Plumber and St. Paul Plumber. You can check into their website which offers high customer service and consistent excellent quality of work.

Worth Bullying?

Today I read in the Star about a road bully in his 30s bullying an elderly man of 70s... just because of impatience, someone is hurt badly and the bully now is being investigated by the police. Sometimes due to impatience and pride, this happens and is it really worth it? With the investigations and police interrogation later, there will surely be more stress...

Lawsuit Funding

Ever heard of lawsuit loan? Well, according to their LawsuitFunding website, they offer funding for every possible commercial litigation cases. From large to small case reviews, the dedicated team will go through case to case and will provide you with the necessary funds to assist you. From what I read here, LawsuitFunding also offers an assortment of plaintiff funding options that will meet with your financial needs. They have structured settlements that vary according to your case specifics as well. As long as you have an attorney and currently be involved in a lawsuit, you are eligible to have the cash advance on your potential lawsuit settlement.

For more details, you can just fill out the form in their website and they will contact you soonest possible. As stated here, once approval, you can get your funds delivered to you within 24 hours!

What A Blunder

Have anyone read about the latest blunder that happened in an established university in Penang? Whenever I go to Penang, I used to admire the landscape this USM has... it has indeed a very nice environment and I am sure a lot of students would love to go to this Uni.... so when the technical error occured the other day, I feel for the students too...
How devastated and disappointed they are! Parents, families, friends and especially the students were so angered by the blunder the administration had made. I hope the officials involved will find an alternative solution to these poor students who were misled .... and soon too!

For Relaxation

Just for relaxation again... these were extracted from the IMH... institute of Mental Hospitals... Time and time again, i think us humans will be feel good to be crazy once awhile... my fren told me once... isn't it better to be insane rather than sane? At least we do not have to stress each day, worrying and feeling worked up... well, what he said might be true.... hahaha...

Record I
Patient A: "So how.. this book not bad ya?"
Patient B: "Excellent! Astounding work. No nonsense shit, sharp and
concise to the point. But there's a major flaw in this piece of art -> too
many character names to remember!!!"
Nurse: "Hey! Can the two of you..put the telephone book back to the
original place?"


Record II
One doctor asked a patient: "If I were to cut one of your ear off, what
will happen to you?"
Patient: "Then I will not be able to hear..."
Doctor: "Hmm.. that's normal...So if I were to cut your other ear off,
what will happen to you?"
Patient: "Then I will not be able to see..."
The doctor became nervous and asked: "Why would you not see then???"
Patient: "Because my spectacles will drop down..."

Record III
IMH has an old lady who wears black everyday, carries a black umbrella and
squats @ the entrance to the IMH everyday without fail, rain or shine.
The doctor wanted to administer treatment for her and decided to start by
understanding her behaviour.
So, the doctor also wear black and carries a black umbrella; squatted
outside together just next to her, rain or shine, everyday without fail.
So...days goes by...the two of them squatted side-by-side w/o a single
exchange of words..for one solid month...
One fine day..the old lady finally broke the silence and asked the doctor:
"Err...Excuse me! Are you also a mushroom?"

Record IV
A nurse saw a patient writing a letter. She got curious and went to take a
peek. But the patient didn't wanna let her see.
Nurse (unable to contain her curiosity): "Who are you writing to?"
Patient : "I'm writing a letter to myself..."
Her curiosity grew and she thought to herself (Why would someone write a
letter to himself?)
So she asked again: "So...what's written inside?"
Patient (got impatient): "You crazy ah? I haven't receive the letter, how
would I know??"

The Don'ts Of Sleeping

Here are five Don'ts that I would like to share with you.... If possible, try to refrain from doing them when you sleep... I do not know how far is true but as the saying goes, prevention is better than cure...right? Please read on...

DON'T WEAR A WATCH WHILE SLEEPING
Watches can emit a certain level of radioactivity. Though small but if u wear your watch to bed for a long time, it might have some adverse effects on your health....

DON'T SLEEP WITH BRA
Scientists in america have discovered that those who wear bras for more than 12 hours have a higher risk of getting breast cancer.

DON'T SLEEP WITH HANDPHONE
Put the phone as far as u can or anywhere as long as it is not near to your ear or head. SCientists proved that electrical items including mobile phone and television sets emit magnetic waves when used. These waves can cause disruptions to our nervous systems.

DONT SLEEP WITH MAKE UP
It causes skin problems in the long run. Sleeping with make up will cause skin to have difficulty in breathing and perspiring.

Some Lame Jokes...

Let me share some jokes here ... to enlighten and to relax ... hope you all find it as refreshing as I did... I changed some names here and there so if your name coincides, please forgive me... just treat them as jokes, ok?

Boss: Where were you born?
Sarin: India ..
Boss: which part?
Sarin: What 'which part'? Whole body was born in India .

2 ah bengs were fixing a bomb in a car.
Beng 1: What would you do if the bomb
explodes while fixing.
Beng 2: Dont worry, I have one more.

Bean: What is the name of your car?
Lady: I forgot the name, but is starts with 'T'.
Bean: Oh, what a strange car, starts with Tea. All cars that I know start with petrol.

At the scene of an accident a man was crying: O God! I have lost my hand, oh!
Rajina : Control yourself. Don't cry. See that man. He has lost his head. Is he crying?

Hot Mobile Phone Deals In Omio!

One of my favorite websites I would love to surf is the latest technology in mobile phones. I simply love to see and admire the latest gadgets a mobile phone has. Besides that, I do envy the promotions and the newest mobile phone deals that come along with the purchase of those phones. When I compare the prices and the latest promotions in some websites, I came across Omio.com which has the "hottest" deals that is ongoing now.

Briefly about this website Omio.com, they are one of the ultimate phone comparison site you can gladly log into. This is the place for those who loves phones and from here, you can compare all the contract mobile phone deals and their prices. They have 100,000 over mobile phone deals by tariff that you can compare with.

One mobile phone which caught my eye is the Nokia N07. Just look at the image, this Nokia 97 has a 3.5 inch touch screen QWERTY keyboard that comes with a high quality camera with Carl Zeiss optics a massive 32GB and an expandable memory GPS and DVD quality video recording as well. Besides that, Omio is now offering great nokia n97 deals you will surely find irresistible.

Other than Nokia, I am also interested in this LG Viewty Smart. From what I gathered here, this exquisite LG has a number of upgraded features in addition to its Intelligent Shot Mode. This is something different compared to the other brands. It includes an 8 megapixel sensor with sensitivity up to ISO 1600, a more intelligent image processor that is user friendly too.

Well, which one to choose? Easy... just log into the omio.com website and you will be able to find more details on more brands and their attractive promotion deals!

How To Detect Hidden Cameras

I want to share something informative with all of you and hope you will tell your love ones, family and friends... in this world nowadays, anything can be possible... so just be more cautious anywhere....

How To Detect Hidden Cameras?

First, check with your handphone, make sure that your handphone can still make a call before you enter a restroom.

And after entering into that particular toilet, if your phone cannot make a call out (this is due to the interference of fibre optic during implementation), it means that there is a HIDDEN CAMERA inside

so be very cautious, people!!

Medical Card

Do you have a medical card? I have one for few years... the card is to standby, just in case for emergencies and also to assist in some financial aid. But when one want to use it in hospital, just be careful ... read on to this article here which I just received it in my email....

PROPER WAY TO USE THE MEDICAL CARD

IN CASE OF EMERGENCY!!!

In cases of Emergency, a matter of LIFE & DEATH (eg Heart-attack,
Strokes, Accidents) NEVER.. NEVER.. NEVER use a medical card! Why?....

1. In the emergency room, you will be asked to register and make a
'Deposit' BEFORE the patient is TREATED!

2. When you show the medical card�.the doctor MUST complete
the claim form and fax to the insurance company BEFORE they can treat
the patient. The hospital MUST wait until the insurance company Confirms
coverage & limit of policy.

3. ALL these procedures may take 1-2 HOURS!! By this time the
patient may have lapsed into a coma!!

4. Use your credit card or Cash FIRST. AFTER the patient has been
treated & attended by the doctor, then show the admission counter nurse
the medical card. She will then liaise with the insurance company directly
for the approvals. She will tear the earlier credit card deposit once the
insurance company has approved.

5. By now the patient would have been wheeled into the room to
rest or to the surgery room for immediate surgery.

Look Before We Leap

Looking at our current economy, I am sure many are finding difficulties to make ends meet. Talking about personal loans, one has to be very careful nowadays. Do not simply go to those unlicensed companies or syndicates to borrow money even for emergencies. If all other ways of borrowing money from our families and friends has come to a Nil, there is still another option to go to reputable companies for loans, be it unsecured loan or unsecured personal loans.

But before we sign any agreement, do read through the terms and conditions thoroughly. One does not need to feel uncomfortable to ask more questions before he/she sign up for a personal loan. One has the right to ask, just make sure that there is money to pay back for the loan taken. It will lead to more problems if one exceeds expenses over income later on.

One Day How Much On Food?

How much does a student need when she/he is going to stay away from home? Apart from the hostel fees, how much does the food cost daily? How much pocket money does one need?
Well, this is very subjective... actually it depends on one's background too, how much the parents can afford and how much they want to give their child for his/her daily expenses. Some parents might want their child to eat whatever they want, dont stinge.. food is essential.
Let me just calculate .. 3 standard meals per day, ie breakfast, lunch and dinner. I feel at least 10rm is needed and that is the minimum. One has to "jimat" a bit with RM10, so in my opinion at least RM15 is needed per day.... Agree?