PayNet Instant Transfer fee for individual and SME to be zerorized by 1 July 2018

I remember that during early December 2017, Bank Negara Malaysia (BNM) had announced a fee waiver of 53 sen (with GST) of PayNet Instant Transfer fee to be effective in 2018. PayNet is a merged entity of MyClear and MEPS.

Now we have already reached the year 2018, but when I checked on the banks' online transfer function, the 53 sen Instant Transfer fee (with GST) is still there. Am I missing something?

Yes! The effective date of this Instant Transfer fee waiver is on 1 July 2018, so there are a few more months to go.

In addition, I have found out that there are conditions for this Instant Transfer fee waiver as below:

• Only bank account belonged to individual and SME can enjoy the fee waiver. The waiver is not applicable to bank account of big corporations.
• To enjoy the fee waiver, the maximum amount of money in the transaction should limited to RM5,000 only. If you want to transfer more than that using Instant Transfer, and yet want to enjoy the fee waiver, perhaps can break the amount down and perform multiple transfers, with each transaction not exceeding RM5,000.

My SUM 0026 digital programmable timer 3-pin plug socket

Electrical programmable timer plug socket is very useful for you to automate the time to turn off a particular electrical/electronic appliance, and the time to turn it on again.

Some of its usage scenario including:

• Switching off your WiFi at mid-night and switching it on again in early morning.
• Switching off your television and set-top-box at mid-night and switching them on again the next morning.
• Switching on water sprinkler system in your garden at certain hour everyday, and switching it off again after some times.
• Switching on night lights at night and switching them off during day time.
• Charge the BC-01 multimedia Bluetooth speaker with alarm clock and FM radio for 2 hours everyday.

Typically, there are 2 types of electrical programmable timer plug socket: mechanical and digital. Mechanical programmable timer is usually cheaper, but has limitation of 24 hours single setting only. Digital programmable timer such as this SUM 0026 supports 7-days on/off setting and can accommodate up to 10 different on/off settings.

This SUM 0026 digital programmable timer 3-pin plug socket is certified by SIRIM with a SIRIM sticker.

It has an internal NiMH 1.2V battery which is able to remember its clock time and settings for more than 100 hours even when their is no power supplied to the unit.

Before you can use it for the first time after unpack, you need to plug it in an electrical socket and charge its internal battery for about half a day. Initially, you might see its LCD display showing distorted characters. That is normal. After some times, the unit will function well with the correct info display.

After that, you need to reset its memory by pressing the small round Master Clear button with a sharp object for a few seconds, then release it.

Then, you need to set its clock time:

• Press and hold the Clock button.
• With Clock button pressed, press the Week button again and again until current day is shown.
• Continue the same step with the Hour button and Minute button.
• With Clock button pressed, press the Timer button to toggle between 12 hour and 24 hour clock mode.

To set a timer setting:

• Press and release the Timer button. The LCD will show ON_1 for the "switch on" time for 1st set of setting.
• Press the Week button again and again to set the day or block of days for timer on.
• Repeat the same to set for Hour and Minute.
• Press and release the Timer button. The LCD will now show OFF_1 for the "switch off" time for 1st set of setting.
• Set the timer off settings for Week, Hour and Minute respectively.
• Note: timer on can be either earlier or later than timer off.
• Press the Clock button to exit from timer setting mode.

To use the timer function, you need to press the On/Auto/Off button until you see Auto displayed on the screen. When it is in On position, device plugged into it will always turned on; when it is in Off position, device plugged into it will always turned off.

There is a Random button, which will randomly pick a time between 6pm and 6am.

Note that this SUM 0026 digital programmable timer 3-pin plug socket has a maximum load of 13A and 3.12 kW.

Blackmores Multivitamins plus Minerals tablets as gift and also for self consume

During this multiple-festive season of year-end, Christmas and new year, if you are wondering about what to give as gift to relatives and friends, perhaps you can consider health supplement such as Blackmores Multivitamins plus Minerals tablets.

Blackmores is named after its Australian founder Maurice Blackmore (1906-1977). The company (ASX:BKL) is public listed in Australia Stock Exchange since 1985. They are passionate about natural health and inspiring people to take control of and invest in well-being.

Blackmores Multivitamins plus Minerals tablet contains essential vitamins and minerals to provide your body and mind with all-round nutritional support and help maintain health every day. It helps supplement an unbalanced diet in one-a-day dose. Its active ingredient includes:

• Vitamin A
• Vitamin B1
• Vitamin B2
• Vitamin B3
• Vitamin B5
• Vitamin B6
• Vitamin B12
• Vitamin C
• Vitamin D3
• Vitamin E
• Calcium
• Choline bitartrate
• Iron
• Folic acid
• Inositol
• Manganese
• Magnesium
• Potassium
• Zinc
• Biotin

Daily supplementation with a broad range of vitamins and minerals can provide "nutritional insurance" by helping to provide an optimum intake for the maintenance of good health. A Harvard review published in the Journal of the American Medical Association in 2002 recommended that all adults should take a multivitamin daily. Statistics suggest that many people are not consuming optimal amounts of vitamins in their diets. Low levels of vitamins can contribute to the development of a range of conditions.

The most cost effective Blackmores Multivitamins plus Minerals is the gift pack as below, which consists of 1 bottle of 120 tablets, 1 bottle of 60 tablets, and 1 bottle of 30 tablets. Altogether there are 210 tablets in one pack. The price I bought is RM78.90, which is 37.57 sen per tablet.

The shelf life of this product is 3 years. Its manufacturing date and expiry date is printed on its label.

This product is formulated for adults to take one tablet per day. For children under 12 years old, there is another product called Blackmores Kids Multivitamins plus Minerals.

Blackmores Kids Multivitamins plus Minerals has the following active ingredient:

• Vitamin A
• Vitamin B1
• Vitamin B5
• Vitamin B6
• Vitamin B12
• Vitamin C
• Vitamin D3
• Vitamin E
• Equiv. Thiamine
• Nicotinamide
• Folic Acid
• Biotin
• Calcium
• Iodine
• Magnesium
• Manganese
• Zinc

Blackmores Kids Multivitamins plus Minerals tablets are chewable with strawberry vanilla flavour with no artificial sweeteners, and not to be swallowed as whole.

This product is formulated for children of age 2-6 years to take 1 tablet per day, and for children of age 7-12 years to take 2 tablets per day.

The most cost effective Blackmores Kids Multivitamins plus Minerals is the twin pack as below, which consists of 2 bottles of 60 tablets each. Altogether there are 120 tablets in one pack. The price I bought is RM51.95, which is 43.29 sen per tablet.

The genuine products will have a Ministry of Health (Kementerian Kesihatan Malaysia, KKM) hologram sticker with a unique serial number for each bottle.

For the Muslim, this product is certified Halal by the Al-Iman Islamic Society Inc. of Australia as shown in the logo on its label.