When the IR increases, the home currency will increase as investments (both foreign and home) will pour in due to higher rate of return. In this case, more Malaysians will dump ringgit and go for better yields such as Singapore dollar or Aussie dollar.

Hmm, I'm actually already riding bike to work now (since early Jan 08).

Sold my car, and waiting for selling 2nd car (kancil).

No more outside food, dine @home. Chicken up, beef up, rice up by 70% now.

U'll be surprise how much you can save by eating @home. Drink more plain water, which is good for your own health rather than a glass of teh ais (1.50)

Need to change to greedy mode when bull come. 

maybulk they are doing large collection at low price now.