Use of card surcharges can be considered fraudelent practices
To my understanding (someone please confirm), the surcharge is because the shops dont get the minimum sales through cards.
But the irony is, if they have a surcharge or minimum purchase, that would discourage people using cards. So the solution is IF their sales doesn’t reach the minimum in the first place then don’t bother getting the machine, and when you do, teach the cashier to ask cash or card to promote use of cards, even give a discount if necessary. That’s why the banks promote discounts using their cards.
Even small items by several people will add up. My last year lost wallet incident has made me prefer to lose my card rather than my cash, and therefore I would like to use my card more.
The added benefit of accepting cards for a company, is the less risk of the employee stealing the cash. They might steal the card info, but that is a problem relatively traced and fixed. For the employee, no hassle of cash and coins.


In conclusion,
-Use card accepting machine if and only if your sales reach the minimum requirement,
-When you do accept cards, on order to reach the minimum sales promote the use of cards through discounts, or promotional items.
-Train the sales/cashier to promote the use of cards.
-Don’t use tactics that will scare customers from using their cards, e.g. surcharges and minimum payments.

Messenger Wars

Found an interesting research on social messengers used in different regions, in US fb messenger use still high, in China wechat (explains some stories from my Chinese friends) and wvery else is whatsapp (no wonder it was bought over). I wud like to find out stats in brunei. Shud make my own research.

SME Guidebook by BEDB

LiveWIRE had a speaker from BruIPO sharing about intellectual property, but he also shared about sources of funding from BEDB. I know they actually produced the following brochure, but I didn’t know they made it available online. So here it is.

or download from the source at


Social Entrepreneurs and Social Enterpises

I attended a talk organized by Women’s Business Council and sponsored by BEDB hosted at iCentre for the whole week this week. The topic was Social Enterprise, which was facilitated by Chris Hill.

I have had heard of the term before, when I heard it first I had assumed that it simply meant any enterprise that contributes to social and economic development. Which in a way is any enterprise, considering that any enterprise actually provides value in terms of products and services to the community, as well as employment.

Attending the workshop I had a deeper insight into social enterprise and learned a lot more. Among what I learned include the definition of social entrepreneurs and social entrepreneurs, understanding the legal structures affecting social enterprises, measurement for the impact of social enterprises on society and the economy, sources of funding as well refining the definition of social enterprises for Brunei Darussalam.

The speaker held a similar workshop in November 2011 in Brunei. Since then a few development has happened. As it even the SUT of the Ministry Culture youth and sport mentioned in The LiveWIRE Brunei Business Awards Laucnhing. It is hoped that this workshop will bring more changes in bringing Social Enterpises more recognition and develop more social enterprises that can benefit Brunei.

Latest Brunei Statistics Year Book

I was conducting a course on writing a business plan recently, and covering the topics of Market Research and Marketing strategy.

Whilst I was looking up online about brunei statistics, I stumbled upon the Brunei Darussalam Statistic Year Book 2010 at the JPKE Website at

I decided to download it and upload it to scribd to be able to show on this site directly.


Brunei Darussalam Statistics Year Book 2010

Online Tool to turn a picture text to editable text

I recently needed to edit a file. I could only find the picture format. There was a lot of text to by retyped.. So I was a bit exasperated thinking of the task at hand. Then I realize, computers are smart, there are tools that can do this. But I didn’t want the hassle of downloading and installing an app. So I searched for Optical Character Recognition (OCR) apps online. and I found one and used it. It saved me a lot of effort and time.

The Essence of Sales

There is a workshop on Sales in the fasting month. The following are the details.

Workshop Title: The Essence of Sales

Date: 14th August 2011
Time: 8:30am – 5:00pm
Place: LiveWIRE Centre, Development Unit, No 42, 1st Floor, BT-Hj Uthman Complex Spg 13, Jalan Lapangan Terbang Antarabangsa Kg Jaya Setia, Mukim Berakas A Brunei Darussalam BB 2513.

Facebook invite:

This workshop doesn’t focus on sales strategy or techniques, instead focuses on the sales persons as an individual to see their relationship with their selling, to identify the blocks, and to find their reason to achieve sales. The facilitator is a Bruneian who has spent the last few several years overseas doing business and Sales. She was interviewed by Brunei Times about the course recently. The facilitator is only back in Brunei for the fasting month, which then she will return to australia.

The one day course is priced at $415 per person, with an early bird price of rate of $347 per person.

In my opinion. Most Bruneians would find the the cost too pricy, But workshops like these held in singapore, malaysia, US, UK or australia would cost thousands. People who do sales like car dealers, insurance agents, real estate agents, direct sales and MLM distributors will definitely benefit from this course. The sales techniques and strategies are there, they are available from books, internet or some workshops. But for most sales people, it is more of an internal resistance in doing the sale. That is what this workshop helps the salesperson deal with.



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