Belkin SurgeMaster

I use this Belkin SurgeMaster as power extension to connect my PC and its peripherals. It cost higher than ordinary power extension, because it comes with superior surge and lightning protection function.



In addition to the MS188 Power Saver which can provide minimal protection against power surges for up to 400 volts only, this Belkin SurgeMaster is able to provide surge protection of up to 6,000 volts and maximum spike of 19,500 Amperes. It comes with a lifetime Product Warranty, and also a £50,000 connected equipment insurance.

Beside providing surge and lightning protection to the equipments connected to its 4 power sockets, it also safeguard my ADSL modem with its surge protected telephone jacks. It has a green LED to indicate whether its surge protection is functioning properly, and another yellow LED to indicate if the electrical circuit is earthed properly.

The 3 burner hob

This is the 3 burner hob in my kitchen. If you believe in Feng Shui, you will know that 1 or 3 burners is better than 2 or 4.



This hob makes use of a 9V battery underneath for ignition, which is pretty handy. If you plan to install built-in hob like this, you should plan for air ventilation underneath it, to provide better burner combustion and to dissipate the heat underneath the hob. In fact, the traditional type of hob with stand that can directly put on top of the stove, is better than built-in type in terms of providing air ventilation during cooking.

You should connect the hob with the gas tank using good quality pipe and regulator with safety feature that can prevent gas leakage. The hob burners should also have safety feature to shut off the gas supply in case the fire on it was accidentally put off.

Cooker hood on top of the hob

This is the Pacific Magic AutoClean AC-9800 cooker hood in my kitchen, with autoclean feature and air suction power of up to 1440 metre cube per hour.



It is advisible for Asian family to use Asian made cooker hood, which normally designed to have higher air suction power than the European or American made. This is because Asian way of cooking can produce much more smokes than Western style. You have the option to choose among the brands of Taiwan, China or Japan made, such as Pacific, Fotile, Rinnai, etc. The chosen hood should have exhaust airflow of 950 metre cube per hour and above.

Hood with automatic self-cleaning system is handy and good for lazy people like us. Noise level during operation is also an important consideration.

When you renovate your kitchen before moving in, you should plan for the exact location of your hood and hob. The cooker hood requires one power point to operate, and exhaust pipe connected to the top of the hood to suck away the cooking smokes.

Shower heater in bathroom

You might probably notice about the shower heater in the photo of my recent post about the tempered glass shower screen. It is the Alpha brand Shower Plus SH-88EP.

We did consider between this electrical shower heater and the roof top solar water heater. We found that the price of the solar water heater was too high, and the electrical shower heater is easier to control the water temperature according to our need.

When purchasing shower heater, here are some of the considerations:

• Must come with Earth Leakage Circuit Breaker (ELCB) and lightning protector as safety measure.
• Auto thermal cut-out feature to prevent over heating.
• Water pump that can be switched on and off. The pump will be used when several places in my house are using water at the same time, affecting the water pressure upstairs.
• Acceptable noise level of water pump.
• Pump speed can be controlled.
• Easy to control showering water temperature.
• Anti leaking tank.
• Can work with water pressure as low as 2 psi only.
• Several modes of shower jet spray option.

Tempered glass shower screen in bathroom

This is the 10mm frameless clear tempered glass shower screen with stainless steel header. It costed RM11xx and come with 2 years warranty. It is clear because adding pattern to its surface will cost additional price.

The shower screen will prevent water from splashing all over the bathroom. We had chosen shower screen with this kind of door because:

• Sliding or folding door requires a rail on the floor, which is more tedious to install, will gather dirts on the rail, and subjected to wear-and-tear over time.
• The horizontal external door handle can be used to hang towel.

LCD vs Plasma TV - 2008 1st quarter update

The market warfare between LCD and Plasma TV continues. Lets do some comparison between them based on today's technology.

Viewing angle:

Plasma used to win on this, but today both of them are equally having viewing angle close to 180 degree.


Pixel response time:

Plasma used to win on this, but LCD is catching up fast, coming up with new models that have response time as low as 5ms only.


Contrast:

Plasma has higher contrast ratio, and LCD is catching up with "dynamic contrast ratio".


Screen resolution:

LCD of same size usually able to produce higher screen resolution. This is important if the TV were to connect to a computer and act as monitor (eg. for playing games).


Burn-in image:

Plasma used to suffer from this weaknesses. Today's technology such as "pixel orbitor" has been used to address this problem. LCD doesn't have burn-in problem.


Product lifespan:

New generations of plasma are catching up with the LCD's lifespan of 60,000 hours.


Glare:

Plasma screen surface still reflect glare. LCD never has this problem because its screen surface reflects very little light.


Weight:

Plasma of same size is still heavier than LCD.


Power consumption:

Plasma still consumes more power than LCD.


Price:

The price gap between LCD and Plasma of same size is getting closer and closer, while LCD still cost cheaper in smaller size models, especially below 40".

Bacfree drinking water filter

You might probably seen the photo of my Bacfree BS-1 Swiss-Tech counter top drinking water filter in the post about my giant-size jumbo kitchen sink before.

Same with the Bacfree outdoor water filter, the housing of this drinking water filter is also made up of food grade SUS 304 stainless steel. It performs 3 stages of filtration removing bacteria, sediment, chlorine, organic chemical and heavy metals in the water.

The filtered water is drinkable directly, and my family members have been drinking with it for years. Working together with the outdoor water filter, its filter element need to be washed with tap water every 2 weeks (should be more frequent if without the outdoor filter). This Swiss-Tech element need to be replaced every 1.5-2 years (replace every year if without the outdoor filter).

This counter top drinking water filter is inexpensive, and its cost of RMxxx is cheaper than many other similar products in the market.

Beside this counter top model, Bacfree also has the under sink model with the same price. Counter top model is preferable because it is easier to take out and wash its filter element.

Bacfree rocket-style outdoor water filter

This is the Bacfree ER-19 rocket-style outdoor water filter in my house. The date of photo taken shows that I have installed it for quite some times. This water filter comes with 10 years housing warranty and 5 years media warranty.




It is contructed with food grade SUS 304 stainless steel, durable and will not deform, decolourize or degrade under the hot sun. The cylinder volume is 42.9 litres, with flow rate of 1,900 litres/hour. Its working water pressure is 10-100 psi. Inside the cylinder is 6 layers of filtering media, ie. stone, crystal, coarse quartz sand, fine quartz, anthracite and coal base activated carbon. It comes with a water pressure meter, handy for us to monitor the water pressure level.

The Bacfree people washed my water tank for free when the came and installed the filter. They had even taken some sample water from my tap for lab test after installation, and here is the result they sent to me:



Click the image to enlarge it

The filtering media of this outdoor water filter is maintenance free. I need to perform backwash with its 3 valves once per week. With this outdoor water filter installed, I can have peace of mind that the water flows into my house is clean and safe. The little filter on my washing machine is still maintaining its white even after years.

Check your driving license expiry date online

The Malaysian Road Transport Department aka Jabatan Pengangkutan Jalan (JPJ) provides an online service for us to check for our driving license expiry date with their web portal.

To my surprise, that website has a domain name of portal.jpj.gov.my but it doesn't work, so we have to access it using its IP address of 202.190.64.96. Pretty weird.

Here is the complete URL for you to check for your driving license expiry online:
http://202.190.64.96/v5/index.php?option=com_wrapper&Itemid=74

It is pretty simple and straightforward to use. Most importantly, its data is pretty up-to-date.

Check for blacklist status with PDRM and JPJ

If you haven't settled the fines in traffic offence summons issued by Polis DiRaja Malaysia (PDRM) after a specific period of time, you might not be able to renew the road tax of your vehicle until you removed yourself from the blacklist by settling the fines.

Here is the website that you can check for the blacklist status of yourself or your vehicle with PDRM or JPJ:

http://www.jpj.gov.my/blacklist/

Click on the PDRM crest to check in the PDRM's blacklist system, and click on the JPJ crest to check in JPJ's system. They should be linked up, so the result should be the same.

The Ubuntu Open Week on IRC in #ubuntu-classroom

The Ubuntu Open Week will take place from this Mon 28 April - Sat 3 May, virtually online on IRC channel in #ubuntu-classroom.

Ubuntu is a simple to use, complete Linux desktop and/or server operating system, freely available with both community and professional support. It is among the most popular Linux distribution today, always ranked #1 in DistroWatch.com. You can download it for free, and you can also request Canonical to send you original Ubuntu CDs for free.

Ubuntu Open Week is a series of online workshops for us to collaborate directly with the core teams, key contributors and developers of this Linux project.

Click here for more information about the Ubuntu Open Week.

Bed sheet for mattress

My wife always prefers 100% cotton bed sheet. Cotton is natural fibre that makes the bed sheet feels cooler, softer, smoother and more comfortable to sleep on. This material also produces less wrinkles after wash.

Thread count is one of the major consideration when buying bed sheet. It refers to the number of horizontal (weft) and vertical (warp) threads in one square inch of the fabric used to produce the bed sheet. Good quality bed sheets always indicate their thread count number on their packaging. However, bed sheets with higher thread count number always come with higher price tag. Thread count between 300-350 should be good enough for most people like us.

Every year, there are certain periods whereby bed sheet will discount for up to 50%-75% in specialty or departmental stores. That will be the good time to shop for bed sheets, which can probably save you hundreds of ringgit.

Sleeping with natural latex pillow

Our pillow plays an equally important role for good sleep, besides the mattress. Natural latex pillow are among the type of high quality pillow that we can get for an affordable price.

Here are some of the common features of natural latex pillow:

• Latex material is known to be uniquely supportive and comfortable.
• It is antibacterial, mildew proof and dust mite resistant in nature.
• It will not compress or lose its shape (contrast with feather pillow).
• It contains cavities which keep ventilation and prevent sweating.
• It is durable, resilient and can last for many years.

It is important to try out the hardness of the natural latex pillow when buying it. Certain natural latex pillow are quite hard, and some other are softer. My family's preference is towards the softer type.

Sleeping on good quality mattress

Most of us spend approximately 1/3 of our life sleeping on our bed. Therefore, a durable good quality mattress makes a good investment to our comfort, sleep quality, body relaxation and spinal health.

What makes a good quality mattress then?

• you feel relax and comfortable sleeping on it.


• it should be firm and rigid enough to support our body evenly. There should be very little gap, if any, between our body and the mattress when we sleep on it. Mattress without enough support for our spine can lead to muscle fatigue, backbone problem, poor night sleep and even insomnia. Mattress which is too firm until we're feeling like sleeping on plywood or piece of rock is discomfort and brings the same problems too.


• its inner material (usually pocket springs) will not damage or deformed, even when a 100 kg adult jumping on it. This should be true for all parts of the mattress, including its central part, and its edges.


• you should feel its heaviness to lift and/or carry.


• it should come with at least 10 years of warranty period.

My mattress comes with 15 years warranty

When you purchase your new mattress, the shop should allow you to:

• sleep your whole body on the mattress to experience your comfort level with it.
• jump on the mattress or throw heavy object on it to test its quality.

Well, not all shops allow you to do that. The shop which I bought all the mattresses in my house, encouraged us to try that though. The name of the shop is called Debono Design, located at 1st floor of M.E.I. Furniture Fair in Desa Petaling.

Autogate system

If you plan to install autogate system, it is wise to have the autogate wiring ready before you move in, because it will involve in hacking of wall and floor to lay and conceal the cable.

Several kinds of autogate system are available in the market - swing, arm, sliding, fold, etc.

The swing and arm types are suitable for normal gates. Sliding type is used in sliding gate, which requires a rail on the floor and the wall next to the gate must be long enough for the gate to slide in when it opens. Folding gates also require a rail on the floor. It will fold up when open, and this kind of gate is the one which save the most spaces when opened, but also the most expensive one.

I have normal gates, and I opted for the arm type instead of the swing type, because the motor of swing type autogate system is normally burried into the floor, which is more difficult to service, and could be damaged by water entering into it. The motor of the arm type autogate system is installed on the supporting pillar of the gates, and the whole system is on top of the floor, won't be submerged by water.

The autogate system can be linked to the pillar lights circuit, so that your pillar lights will be automatically switched on whenever you open or close the gates, and swiched off when the open/close operation has completed.

Normally, autogates are opened either using remote control or switches inside the house. The remote control can be duplicated by locksmith if you require more units.

Stainless steel main gate

It is common for linked house owners to change their basic iron gates installed by the developer to better and more stylish steel or wrought iron gates during house renovation.

If you plan to install a steel main gate, opt for the stainless steel material to prevent it from rusting. The normal grade of stainless steel used for making gates is 304, and this kind of stainless steel is non-magnetic in nature. Therefore, you can check for it by using a magnet, although this simple method of checking is not fool proof.

When I installed my stainless steel main gate, here are the few preferred features:

• Pattern of the grille rods should be plain and simple. I have chosen the simplest smooth rods without pattern or carving, because its price is cheaper, and it is easier to clean and polish.
• Make the bottom part of the gate to have grilles put closely together, to prevent cats and dogs from outside entering into the house, and also to prevent your pets from escaping away from your house.
• Make a door in one of the gates for easy access, especially if you plan to install autogate system.

You can see the stainless steel main gate of my house from the photo in my other post - Car compass on dashboard. That picture was taken when the car is parked in the carpoach of my house.

Roof security

Roof security is an option provided by my developer when we purchased the house. It is inexpensive and the measure is pretty simple.

When the developer builds the roof top, they'll put additional frames on it so that a normal human body cannot simply go through the gap in between the frames. This can also be done by 3rd party contractor after the house is built, in case your developer doesn't provide this kind of option.

This measure, working together with the motion detector of the home alarm system, should provide some basic protection against roof intrusion.

Home alarm system

If you plan to install home alarm system, it is wise to have your contractor to lay down all the related cabling and conceal them in the wall, before you move in.

The alarm system should connect to every single grilles, windows and doors of the house perimeter. You might also want to install motion detectors on top of the ceiling underneath the roof top, and also in area inside your house where nobody will probably walk pass at night. Your motion detector will probably damaged by high temperature in short period of time, unless you installed the turbine ventilators to cool down your roof top.

You should plan for the location of the control panels, normally near the entrance and also inside your bedroom. You must also plan for the location of the siren units, and have the units located both outside your house and also inside your house (which the burglar cannot disable before entering your house and find it). You must also plan for the location to hide the alarm central unit. If you want the alarm system to alert you via telephone, call police automatically, or enable you to control it remotely using your handphone, you should have your telephone line linked to this central unit too.

Then you must plan to divide your house into different monitoring zones for the alarm. Normally, 4 zones is enough for single storey houses, 8 zones is suitable for double storey, and 12 zones is required for bungalow.

You should install vibrating sensor for the grilles, magnetic sensor for windows and doors, motion detector for roof area and living room. Your alarm should be triggerred if any one of the wiring to the vibrating sensors is cut off.

For additional home security, you might also want to install monitoring camera in your house.

Using Google Analytics for blog performance analysis

I use Google Analytics, a free web analytics online service provided by Google to analyze visitors and traffics to this blog.

The reasons of using Google Analytics are:

• It it an online service. I just need to add-in the tracking codes into my blog template, and it will do its job automagically. I don't need to install any software, and can access it anywhere with the Internet.
  
• It is free and linked to my existing Google account. Simple and easy to get started.
• It has continuous improvement. It evolved from the renown Urchin 5 Analyzer, and continuously add in new functions, features and supports.
• It produces sophisticated and comprehensive reports. Unlike most web analyzers which just translate the raw data into presentable information, Google Analytics' report goes broader and more indepth.
  
• It has nice customizable dashboard. I like its geographical map that shows visitors' location, which can be detailed up to the city level.

Click here to learn more about Google Analytics features.

Check up the hollow tiles in your new house

When you carry out your new house inspection together with the vendor during the handover process, don't forget to check for hollow wall tiles and floor tiles.

This is a common defect to many houses and apartments. You should get the developer to fix this problem before you move in, because it involves hacking the original tiles and replacing with new one.

To check for hollowness underneath the tiles is simple, but tedious. You just need to knock at the tiles with 50 cent coin, and listen if they give out sounds that indicate hollowness. Hollow formed when there is not enough plaster underneath the tiles. This problem might cause the tiles on the wall to fall off one day, and the floor tiles easy to crack or break, especially when hit by dropped objects.

You should knock at the 4 corners as well as the center of the tiles. Hollowness is usually found at the corners.

Sometimes, hollowness found in certain wall tiles could be acceptable, if you know there is concealed piping underneath the tiles which cause the hollow sound.

Using Power Saver to reduce electrical consumption and stabilize voltage

I have an MS188 Power Saver plugged into a socket near to the circuit breaker box in my house. This small device is effective, SIRIM tested, and legal to use.



This device works by fine-tuning the electrical system in the house. The fine-tuning process reduces heat generation, reduces amperage and results in reduction consumption of electricity. It causes less waste of electrical energy while increasing the life of the inductive equipment in the house. It protects against power surges for up to 400 volts and increases the capacity to the electrical panel by making it run cooler.

It helps to save in electrical bills quite substantially by reducing power wastage. How? It achieves this by increasing the Power Factor, which is the ratio of working power (kW) to apparent power (kVA).

I use this device for the following 3 main purposes:

1. Improve electrical efficiency and Power Factor, and hence reduce electrical bill charges.
2. Provide baseline protection against surge and brown to all electrical appliances in the house.
3. Stabilize the current and hence prolong the lifespan of electrical appliances in the house.

If you are interested with this Power Saver as well, click here for more info.

I notice it has a new look for the current version, slightly different from mine. The ads below shows its new look. You can place your order online there.

Tint film with safety and security features

Most people in Malaysia has installed tint film for their car to battle against the hot sun. My car is installed with Armorcoat security tint film for RM1xxx by the Tint Shop.



This tint film is comparable to V-Kool standard in terms of heat repellent, also comes with 5 years warranty, and is quite transparent to also meets the JPJ's light penetration requirement.

If you are considering tinting your car, it is wise to consider for the additional safety and security feature too. With the security tint film, people can only break the window in certain way using certain type of device. Your windows will be pretty robust and unbreakable by helmet, hammer, throwing stone, etc. And with its safety feature, even if the window glass is broken, the pieces will remain sticking on the film, instead of scattering all over and might injure people sitting in the car.

The minimum acceptable robustness of car security film is 4 mil (100 micron). An 8 mil (200 micron) security film can withstand most kind of impacts. If it is 20 mil and above, your windows can be bulletproof.

Tint film that makes your windows cannot be seen through from outside

If you are looking for a solution to make your windows can't be seen through from outside, both during daytime and at night, you might want to consider the solution I installed for my house here.

I found this solution in Care Kool Tint Shop. It is a kind of solar window film for building which can reject heat, infrared and ultraviolet from the sun. It price is not too expensive, compared with the solar window film for car. I mean, I have many windows and glass doors in my house, especially downstairs, and the installation for all the windows and glass doors downstairs costed me RM8xx only.

This solar film really works to repel heat from sunlight. I installed it before the installation of turbine ventilators. However, the turbine ventilators are greater solution to keep the house cool, because the solar film does not block the heat dissipated from roof top and then down the ceiling.

The solar film has many combinations of tint colour which come in pairs, one colour for its outer layer, another for inner layer. The colour combination that plays the trick to make your windows can't be see through from outside is silver/gray. This combination will make your window looks like a mirror from outside. People will only see their own image when looking at your window from outside, and you can look out clearly from inside. This is true during daytime or night time, with or without light on inside your house.

Another colour combination which has less mirroring effect is silver/blue. However, this combination enables people from outside to slightly see through during night time when light is on inside your house.

RadioShack telephone answering device

I have a RadioShack telephone answering device with speakerphone upstairs, using the same splitted phone line with the Panasonic cordless phone downstairs. This phone also not expensive, costed me for RM1xx only.

It looks like a normal phone with LCD display. Nothing special in appearance, so I decided not to include its photo here.

With its price, I'd say it is valued for money, because it has all the neccessary features including CLIP display, address book, memory dial, hands-free speaker, connectable to headset, answering machine features, voice memo recording, remote dial-in control, etc.

It operates on AC electric supply, and also includes a 9 volts backup battery to cater for power failure.

Panasonic cordless phone

This is the Panasonic cordless phone located in my living room. It was the cheapest cordless I could find, with a price tag of 2-digit RM only.



It doesn't have much fancy features, but good enough for my family. With a cordless phone, my family member can talk over the phone comfortably anywhere in the house, even walking around. It can also easily be passed around to other people since it is cordless.

I purposely chosen this model which is quite big in size with big buttons, because my parents prefer the big one so that they can easily see and press the buttons without hassle.

My Panasonic washing machine

This is my 9 kg Panasonic washing machine with filter for water inlet.



Here are some of the considerations when buying washing machine:

• You need to plan for the location to put the washing machine carefully during renovation, because the washing machine requires 1 electrical plug point, 1 water inlet (pipe) and 1 water outlet (drain).
• Front loading washing machine can work better and use less water than top loading one. However, their price is still expensive. It is less convenient to put in and take out the clothes. When the clothes are being washed half way, you cannot open the door (even when electricity or water supply failure), else the water will flush out. Therefore, I still chosen the top loading one.
• Generally, the top end models have stainless steel tubs which is more durable than plastic tub. The tub should have anti-mold feature.
• If you buy a washing machine with bigger capacity, then you can gather the clothes of your family for a few days before washing, and hence can wash the clothes less frequently, which mean less work to hang, dry and collect the clothes, also iron, fold, and organize back into the wardrobe. Using the washing machine less frequently also means lesser electricity and water consumption.
• It is better to have a washing machine that can wash and spin dry in the same tub.
• If you don't have an outdoor water filter, consider buying a washing machine with a small water filter to prevent your white shirts become yellow or brownish due to poor water quality. Even if you have an outdoor water filter, it is no harm to have filter in washing machine too, and the price difference is around RM50 only from the model without this feature.
• The washing machine should have as many water levels as possible, working together with fuzzy logic machinism, to ensure its efficiency.
• The washine machine should work with minimal noise level.
• Other general considerations including programmable washing modes, timer function, child lock, etc. Besides, only certain model of washing machine supports hot and cold water inlet and perform washing with different water temperature.

My Toshiba 3-doors fridge

This is the 470 litres Toshiba 3-doors fridge in my kitchen. Toshiba fridge has been famous for their Hybrid Plasma technology which can effectively keep food fresher, kill bacteria and eliminate bad odour.



When buying a fridge, storage capacity is an important consideration. You should look at the net (internal) storage capacity instead of the gross (including its walls). For example, this 470 litres fridge has a net storage capacity of 395 litres, comprises the freezer on top (104 litres), the refrigerator (201 litres), and the vegetable compartment at the bottom (90 litres). This is lower than the 2-doors model of same family from Toshiba, which has net storage capacity of 410 litres.

Below are the pros and cons of having a 3-doors fridge instead of the 2-doors.

Pros:

• Bigger compartment to store vegetables.
• Drawer-type lower compartment which can pull out widely, convenient to put in and take out the vegetables.
• Save electricity - When you open the fridge door, the cool air escapes and the fridge need to work hard to maintain back the temperature in the compartment. By dividing the vegetable compartment from the refregerator, the refregerator's door is smaller hence less cool air escaped when you open the door just for a while, and the temperature in vegetable compartment is also not affected when the refregerator's door is opened. This is the same that opening the bottom compartment will not affect the refregerator compartment's temperature.

Cons:

• Net storage capacity smaller by 15 litres.
• Less space to store drinks as the bottom row of drinks shelf behind the door was compensated to the vegetable compartment.

Choosing the type of downlight

For the lighting solution to various places in my house with plaster ceiling, I have chosen to use the 6" cone stainless steel finished reflector housing with PL-C (square base) vertical mounting lampholder base and round open stainless steel trim, using 18 watt energy saving compact fluorescent 2-pins PL-C lamp that emits warm yellowish light.

Here is how it looks like:



The reasons being as follow:

6" downlight - downlight with bigger aperture is brighter. 6" is just nice and 8" will looks too large unless the ceiling is very high. By using 6", less downlights are required to light up the area. My living room just has 4 downlights only, located at each corner of the ceiling.

Stainless steel housing and trim - unlike chrome or other finishing, it will not rust or discoloured.

Vertical mounting position - convenient position easier to install and remove the lamp.

Round shape trim - cost is cheaper than square trim. Also, square trim are normally covered with glass.

Open trim - light is brigher than covered with glass lens. Also, small insects might be trapped inside the downlight with glass lens, and later the downlight will be filled by their dead bodies. Replacing the lamp inside requires to remove the glass lens too.

18 watt energy saving compact fluorescent lamp - 18 watt is just nice for the required brightness. Energy saving compact fluorescent saves 80% of electricity from incandescent bulb with same brightness.

PL-C lamp - easier to install (just push in) and remove (just pull out). It works with ballast that enable its lifespan to be twice as longer than the exposed spiral or U shaped counterparts.

Warm yellowish light - actually its brightness is the same as white light, but we have less glare and better eye comfort with warm yellowish light. It is suitable for long time reading too.


This kind of downlight can be installed with emergency option unit, whereby a small rechargeable battery is hiding on top of the ceiling and connected to the light. In case of electricity blackout, the downlights can still be switched on for a few hours by using the backup power supply from the emergency option unit.

Position your ceiling lights far away from the fan

I learnt about this from my contractor too, but I noticed some of my friends were not aware of this and did not done it right for their house. They are suffering from the flicker effects.

You should position your ceiling lights far away from the ceiling fan. This is because if the fan is close to the lights, when its blades is moving, it will have shadow under the light, causing the room to have a flickering lighting effect, which is irritating and bad to your eyes.

If the room is small and there is a ceiling fan on top, you'd better opt for wall lights instead of installing ceiling lights.

Increasing the efficiency of your air-cond

Increasing the efficiency of your air-cond can save you money in your electricity bills, as well as being good to the world environment too.

Here are the measures that I have taken to increase the efficiency of my air-cond:

1. Ensure the outdoor compressor unit blows the hot air away from your house

Some people made the mistake of hiding the compressor behind a pillar or wall. I almost made the same mistake too, if not my contractor reminded me that this will be bad for the dissipation of hot air blown out from the compressor. There should be no obstacle in front of the compressor unit.

Other than that, some people put the compressor unit close to a window, on a wall forming 90 degree with the window. Some other people just put it under the window (remember, hot air rises). This will make the hot air from the compressor blowing towards the window front. The hot air should be blown away from your house, and best located parallel and on top of your windows.

2. Place the indoor unit close to the outdoor compressor

This will not only save you cost in laying the air-cond hose, which normally charges per feet of installation. It will also make the refrigerant gas travels in shorter distance and faster to reach the indoor unit.

3. Confine the cool air from escaping the room

This is a common sense that most people awares. When using the air-cond, close up all the windows and doors to restrict cool air from escaping.

4. Tint the glass of those big sliding windows

There are tinting films available to install on the windows glass, blocking the heat, infrared and ultraviolet radiation of the sun from entering your house. This is particularly effective if the windows are facing west.

5. Switch on the ceiling fan together with the air-cond

This will tremendously increase the airflow, making the room cool down much more effectively, and in turn the air-cond unit need to work less harder.

6. Wash the air filter of indoor unit regularly

The air filter surface will fill up with dust over time. Take it out and wash it with tap water. Rinse it, dry it, and put it back. If the air filter is blocked by dust, your air-cond need to work much more harder.

The cleaning frequency depends on your usage. If you use the air-cond everyday, should clean the air-filter at least monthly. If you use it occasionally, then can clean it bi-monthly or at most quarterly.

7. Service the air-cond at least every 2-3 years

Servicing the air-cond includes disseminating its indoor and outdoor units, and clean with chemical. This will maintain its cooling efficiency.

8. Install turbine ventilators on your roof top

I seldom need to switch on the air-conds in my house eversince the turbine ventilator system is installed. The neccessity to switch on air-cond only come when the indoor temperature reaches above 30 degree Celcius, which is very rare.

And because the turbine ventilator system can effectively improve the air circulation in the house, it does help to make the air-cond works more efficiently the same way like the ceiling fan does, although the effect is certainly not as much as the ceiling fan.

To learn more about the turbine ventilator system, read my other article here.
To learn more on how to select air-conditioner wisely, read my other article here.

How to select air-conditioner wisely

It is obvious that the world's temperature has been rising over the years, and nowadays most family has installed air-cond in their house. I learnt about the following when I planned for the air-conds in my house before I moved in.

Disregard the brand and additional features, when selecting an air-cond which main function is to cool down the room, there are 3 major ratings to look for, beside the Horse Power (HP).


BTU/hour - measurement on cooling capacity:

This is the actual cooling capacity unit of the air-cond and must match with the room size to be cooled. The room won’t cool efficiently and cost effectively if the BTU/hr rating is too low or too high for the size of the room.

BTU/hr is proportional to the Horse Power of the air-cond, but there is no fixed conversion formula between them, and varies from different models and brands of air-cond. Among air-conds with the same HP capacity, the higher the BTU/hr the better.

In general:

• 1 HP air-cond has BTU capacity ranging between 9000-10,000.
• 1.5 HP air-cond has BTU capacity ranging between 11,000-13,000.
• 2 HP air-cond has BTU capacity ranging between 15,000-25,000.
• 2.5 HP air-cond has BTU capacity above 20,000.

An effective rule of thumb to determine the BTU capacity required to cool a room effectively is to multiply the square feet of the room by 25; add 1,000 for every window and 400 for each occupant in the room. If the window is facing west directly shined by the sunlight, add 10% to the calculated result for cooling during daytime.

For example, if your bedroom is 12' x 12' with 2 windows, 2 people will be sleeping there at night, the suitable BTU capacity for the air-cond in the bedroom will be:

(12x12) x 25 + 2 x 1000 + 2 x 400 = 3600 + 2000 + 800 = 6400

Therefore, a 1 HP air-cond should be enough for this bedroom.


EER - measurement on efficiency in electricity consumption:

The Energy Efficiency Ratio (EER) is calculated by dividing the BTU capacity by the number of watts. The higher the EER number the more efficient the air-cond unit should be. The EER rating generally ranges from 8-11.5, and should not be lower than 5.


Airflow - measurement on cooling speed:

The cooling speed of air-cond is determined by the ability of airflow travelling in cubic feet per minute (CFM). In normal words, CFM is the volume of air moved by the air-cond blower per minute.

For 1 HP air-conds, airflow generally varies between 210CFM-300CFM. Higher airflow provides faster cooling as well as better air circulation.


Related article: Increasing the efficiency of your air-cond

The EPF / KWSP online service

I believe many have been aware that they can use the online service of Employees' Provident Fund (EPF) also known as Kumpulan Wang Simpanan Pekerja (KWSP) here:

http://www.kwsp.gov.my/

In case you haven't make use of this service, here are the steps to create a user account in this online system.

1. Go to the EPF website, and click on "Pendaftaran Baru".
2. Click on "Daftar sebagai Ahli".
3. Submit the registration form online.
4. Go to your nearest EPF office within the registration timeframe.
5. Get the activation code using the Kiosk Pintar or from the counter. Beware that this code has a limited lifetime.
6. Go to the EPF website, and click on "Login Kali Pertama".
7. Accept the terms and conditions.
8. Activate your online account with the activation code.
9. Create your username and password to use the system.
10. You can now login the system with the account you just created.

The EPF online service enables you to:

• Change your personal profile.
• Inform EPF about your latest contact address.
• Review your updated statement of account.
• Review your fund withdrawal details, including the withdrawal application status and history.

Tracking your electricity usage records online

You can actually check the details of your electricity account with Tenaga Nasional Berhad (TNB) , including the history of billing, meter reading, and payment made, with this URL:

https://e-services.tnb.com.my/


Here is how one of its screen looks like:



If you have an existing Maybank2u account, you can also pay your electricity bills with its online payment facility. Other than that, you can also make use of the website to send e-Request for Change of Tenancy.

How you disconnect and reconnect car battery terminals?

Have you ever bother about the right sequence to disconnect and reconnect the battery in your car? We need to do this when changing battery, installing gadgets such as voltage stabilizer, grounding cables, etc.

The right sequence to disconnect the cable from the battery terminals is:
1. Disconnect the -ve terminal first
2. Disconnect the +ve terminal then

To reconnect the cable to the battery terminals:
3. Reconnect the +ve terminal first
4. Reconnect the -ve terminal last

If it is done in wrong sequence, there is a chance of short circuit when the disconnected terminal accidentally touches the metal part of the car body, and there is possibility that sensitive electronic equipments in the car could be damaged.

There exist something called a "memory keeper" to be plugged into lighter socket, which will help you to keep the setting of radio, clock, etc. for a short period of time, while the battery is temporary disconnected.

Check the total running hours of your Samsung LCD or Plasma TV

I learnt about this tips from a member in AOCM forum to check for the total running hours of Samsung LCD or Plasma TV. It is reported that this method tested and works for several models of the Samsung TV, and it works for my 32" LCD TV too.

Here are the steps:

1. Switch on the power to the TV and let it be in the standby mode. Do not turn on the TV.

2. Pick up the remote control, and quickly press the following buttons in sequence:

Info -> Menu -> Mute -> Power.

3. You must be fast enough to press the magic sequence to enter the technical calibration menu screen, or else you will just end up switching on to the normal TV channel.

4. Once you reach the screen of technical calibration main menu, you will be able to see the running hours shown at the top left corner of the screen.

5. Press the Power button to exit the technical calibration screen and put the TV back to standby mode. Do not make any change to the technical setting of your TV unless you know exactly what you are doing.

This is useful if a new Samsung TV is just delivered to your home, and you need to ensure that you are not getting a display unit or 2nd hand unit which has run for many hours.

Beware of late payment to your home loan

I realize from a forum discussion that a lot of people are unaware about the consequence of missing out any single payment to their home loan can result in substancial monetary lost.

Take out the offer letter or loan agreement of your home loan, and check out the section regarding Default Interest Rate or Late Payment. It is clearly stated that in any case you fail to pay any due outstanding amount to the bank on time, the bank is entitled to charge you the "default interest rate" instead of your usual interest rate. For some banks, this change in interest rate could be permanent for all the subsequence months of your whole loan tenure period thereafter.

The so called "default interest rate" is easily a few percent above the BLR rate, and could easily makes up more than 5% difference from the interest rate that the bank used to charge you. This can end up with five to six figure of additional money payable to the bank.

Therefore, never let yourself get penalized for late payment to your home loan. This is also one of the reason why I prefer flexible home loan, whereby I can always keep some excess payment in my account which can also helps to reduce interest charges, at the same time ensure that I could always have a peace of mind that upcoming payment won't be missed as it is backup by my excess payment already sitting in the account.

Tracking your Touch 'n Go usage online

Using the Touch 'n Go card is convenient when passing the tolls, you don't have to prepare for the cash, and it supposed to be faster than manual transaction too. But using Touch 'n Go does not produce receipt at the toll.

In fact, you can track for your Touch 'n Go usage online. From the online statement, you can know about the transactions and amount you have paid to the tolls, location of the tolls you passed through, the reload transactions, and your balance in the card.

If your company accepts the print-out from this Touch 'n Go online statement as alternative to toll receipts for you to claim for travelling reimbursement, you can then use the Touch 'n Go lane of the tolls even while travelling for business.

You can click here to go to Touch 'n Go e-Statement page.

Preserving the ink in my DCP-130C printer

I purchased this DCP-130C multifunction inkjet printer for RM199 only in one of the PIKOM PC Fair last year.

It is pretty small and compact in size, and function well for me. It can do printing, copying and scanning. With the help of faxing software, I can use it to fax out scanned documents too.

Its control buttons are easy to use, I can copy documents both in colour or mono directly without the PC switch on. It has a paper input tray able to hold about 100 sheets of paper, convenient to feed-in paper.

It uses separate ink cartridges for black, yellow, cyan and magenta printing.

Now, the problem I faced with this printer:
Everytime I wanted to print, it went into Cleaning mode, and I had to wait for more than 1 minute for it to clean the print head before it started the actual printing. And because of this cleaning process everytime it was switched on for printing, the ink used up very fast. Worse still, any 1 of the 4 cartridges ran out of ink, the whole printer will refuse to print until the empty cartridge is replaced.

Later, I found out the solution to fix this problem. I just need to keep the printer in sleeping mode, don't switch off the power supply to the printer. This will make the printer perform routine cleaning based on its own timer, and it will directly print out document without having to go through the cleaning process anymore. I find its ink consumption also reduced a lot and can last a much longer period.

Congratulation to AirAsia being listed in Fast 50

In the March 2008 issue of Fast Company magazine, their panel of editors has nominated a list of The World's Most Innovative Companies, they called it Fast 50. Being a Malaysian, I am proud to notice that AirAsia, our Malaysian company had made it and ranked #43 in this list.

Below are what they've written about AirAsia.

Seven years ago, former music exec Tony Fernandes paid 25 cents for an ailing carrier with two creaky planes and $12 million in debt. Today, AirAsia's bottom-of-the-pyramid strategy has created one of the world's fastest-growing, most-profitable carriers, with the lowest operating costs in the industry and fares as cheap as $3. "It's like our bus," says Yap Choo Ying, who runs a market stall in eastern Malaysia and now regularly jets to Kuala Lumpur to see her grandkids. In November, the Malaysian company made a risky bet by going long-haul, adding flights to Australia; this year, it will add flights to China and India, where billions of people have yet to take to the skies.

Click here to read about The World's Most Innovative Companies (Fast 50) presented by FastCompany.com.

The giant size Jumbo kitchen sink

This is the giant size Jumbo single bowl sink in my kitchen. It is like a double bowl sink without the center divider.



I find this sink more practical and useful than its double bowl counterparts, especially when there are a lot of dishes, pots, pans and woks to wash. Its gigantic volume can fit in all in one go. It is deeper than most double bowl too.

This stainless steel Teka brand Jumbo sink comes with a basket strainer which can be put on top, and covers up half of it. The strainer can fit in both its left hand side and also right hand side.

The only problem with this sink is that, there are some minor scratches on the stainless steel surface after being used for some times.

Hiding washroom inside the wardrobe

Nowadays, most of the house designs are having a washroom inside the bedrooms, this is especially common for the master bedroom.

However, having a washroom inside your bedroom is a very bad idea in feng shui practice. Even disregard the feng shui viewpoints, it doesn't look nice to see the washroom in your bedroom too. Therefore, when I planned for the location of the wardrobe in my master bedroom, I made it to be on same side with the washroom entrance, and hide the washroom inside the wardrobe.

This is a great idea, I think, as most of our friends who entered our master bedroom before were curious to ask: "Does your bedroom has an attached washroom? Where is it?"

Well, this is the custom made wardrobe in my master bedroom. It covers the whole wall surface of one side, and we like it very much.



Make a guess. Where the washroom is hiding in?
Here is it!



In fact, this same wardrobe also hides the entrance to a secret chamber. Guess where is it. Sorry, I won't show you here.

So how about the washroom for the other 2 bedrooms on the same floor? Many double storey houses let the other washroom to be shared by the other 2 bedrooms upstairs, which is also located inside and in between the 2 bedrooms. My house original design has that shared washroom detached from the 2 bedrooms and is located behind the family hall outside the rooms, so I don't have to hide it anyway. If the other bedrooms in your house are having the shared washroom inside the rooms, I think you could probably hiding the entrances with the same wardrobe idea too.

Outdoor motion sensor light

I purchased this motion sensor light for just hundred something ringgit each from the lighting shop.



I installed one set to illuminate my car poach area, and another set at the backyard area.

It's sensitivity can be adjusted. With the light sensitivity switch, I configured it to operate at night, where there is little or no sunlight. There is also a timer switch to set for how long it will illuminate when triggered before turning itself off again.

So how it works? When the lighting environment reaches the preset condition (in my setting, only when lighting is weak, eg. during night time), it will automatically turn on when any motion is detected, and then turn off itself when no more motion is detected after the preset number of time.

With this sensor light in place, whenever I walk out the house during night time, it will automatically light up for me. The same will happen whenever I come back from outside at night. Pretty convenient, isn't it?

It also serves some security functions, as any motion detected during night time will trigger its light on, thus helps to deter bad guy from entering the house compound. You can also link its circuit to your doorbell system, so that your doorbell will chime when it is triggered.

AOCM - A friendly and resourceful automotive club for Toyota Avanza owners

Before I made the booking and then purchased my Toyota Avanza 1.5G last year, I did quite a lot of researches about the goods and bads of the car. It is this Avanza Owners' Club Malaysia or AOCM which helped me made up my mind for the final decision.

For the price of around RM70k, which is close to RM10k cheaper than Toyota Vios 1.5 and Honda City 1.5, this car has a lot of impressive features. So far the Toyota Avanza assembled in Perodua's plant is still the cheapest 7-seater MPV in Malaysia. Its seating position gives a good clearance view of the road. It has versatile seat configuration. It's 3SZ-VE DOHC VVT-i engine performs well when carrying 7 adults with luggages. Its 3rd row seat can really sit in 2 adults or 3 children pretty comfortably. It has dedicated air-cond blowers for 2nd and 3rd row seats. During my time of purchase, it come with a free Sony 32" LCD TV or free Aerokit too. In short, it is valued for money.

However, we all aware that this car has some shortcomings too. People find it bouncy, noise insulation is poor, etc. For all those shortcomings, AOCM always has good workaround solution.

If you plan to buy an Avanza, or you are already Avanza owner, and you are not AOCM member yet, do pay a visit to http://www.avanzamalaysia.com/. You can join in free of charge. We have regular technical talks (TT) meetup session every month. This club is really resourceful with knowledgeable sifu, and the members are always ready to help up each other.

I'll tell you what I have learned from the sifu in AOCM and the practical improvements made to my Avanza in the upcoming posts.

SITI outsourced its ICT services for multi-billion ringgit

Shell IT International Sdn Bhd (SITI), the global ICT service delivery hub of the famous petrochemical conglomerates, is one of the pioneer tenant in Cyberjaya and provides thousands of job position for the ICT personnels around the area.

Last week, they announced a multi-billion ringgit outsourcing plan for the provision of its IT infrastructure and telecommunications services in 3 service bundles, starting July 1, 2008, to the 3 global IT and telecommunications suppliers namely AT&T, EDS and T-Systems. EDS has entered Cyberjaya with their own building for quite some times, while the other 2 are expected to enter into Cyberjaya in the near future following this deal with SITI.

AT&T will be taking care of SITI's network and telecommunications functions, while EDS handling their end user computing services including desktop, back-up and disaster recovery, and T-Systems looking after their hosting and storage.

My friends working in SITI informed that both their permanent and contractual staff have seen to be transferred to the outsourced company, and still working normally in their usual workplace. This is a very good arrangement as their job is not affected so much. Probably they have better career path too, as there will be opportunity to serve other global customers of their new employer.

All in all, this move is seen to be beneficial and is a win-win to everyone. In long run, following the presence of AT&T and T-Systems in Cyberjaya, there will be more ICT job opportunities in this MSC region. It was heard that EDS will expand their workforce in Cyberjaya after this deal too.

Is the car loan interest of 3% cheaper than house loan interest of 5%?

Many people are not aware that the interest calculation for car loan and house loan is different, so they cannot be compared directly figure by figure. If we compare the figure directly, is the car loan interest of 3% cheaper than house loan interest of 5%? You'll say 3% is definitely lower than 5%, right? However, the fact might be the other way round. 3% could be higher than 5%.

Let's do some calculation:

The total interest payable for a car loan of RM100k with interest 5% over a period of 9 years will be RM45,000. The monthly installment is RM1,342.60.

The total interest payable for a house loan of RM100k with interest 5% daily compounded over a period of 9 years will be RM24,439.20. The monthly installment is RM1,152.21.

The difference between the 2 calculations above is significant. Why? This is because car loan is calculated based on simple interest formula, and house loan is calculated based on amortized compound interest formula.

The formula for simple interest is straightforward, which is:

Interest = Principal x Rate x Years

What would be the car loan interest equilvalent to a house loan interest rate of 5%?

24,439.20 = 100,000 x Rate x 9
Rate = 2.72%

As a result, the above house loan interest rate of 5% is equilvalent to a car loan interest rate of 2.72%.

Is the car loan interest of 3% cheaper than house loan interest of 5% for the scenario above? The answer is obviously NO! However, there could be situation of the anwer to be yes too, especially when comparing a house loan of 30 years with a car loan of 9 years.

Here are some simple references for you:

For a 5 years 100k loan (the period where most people will take for car loan):
House loan interest of 4% = car loan interest of 2.10%
House loan interest of 5% = car loan interest of 2.65%
House loan interest of 6% = car loan interest of 3.21%
House loan interest of 7% = car loan interest of 3.77%
House loan interest of 8% = car loan interest of 4.35%
House loan interest of 9% = car loan interest of 4.93%


For a 9 years 100k loan (the maximum period for car loan):
House loan interest of 4% = car loan interest of 2.14%
House loan interest of 5% = car loan interest of 2.72%
House loan interest of 6% = car loan interest of 3.30%
House loan interest of 7% = car loan interest of 3.91%
House loan interest of 8% = car loan interest of 4.53%
House loan interest of 9% = car loan interest of 5.16%


For a 30 years 100k loan (the period where most people will take for house loan):
House loan interest of 4% = car loan interest of 2.40%
House loan interest of 5% = car loan interest of 3.12%
House loan interest of 6% = car loan interest of 3.87%
House loan interest of 7% = car loan interest of 4.67%
House loan interest of 8% = car loan interest of 5.49%
House loan interest of 9% = car loan interest of 6.35%

What to look for in a flexible home loan?

Several years ago, flexible home loan was a new concept contrary to the conventional home loan, offered by limited number of bank only. By today, many banks provide their so-called flexible home loan facility to the market. There was a saying that the interest rate of flexible home loans is slightly higher than their conventional counterparts, but this is no longer true nowadays, with both having the same competitive rate.

If you are considering a flexible home loan, what should you look for to distinguish the genuine flexible home loan from the rest?

Here are the basic features that any flexible home loan should mandate:

• Your loan account should linked to a deposit account, such as a current account. You get consolidated statement report for both accounts in one.
• You deposit money into the deposit account, and your monthly installment is automatically transferred from there to your loan account.
• The interest is calculated from outstanding loan amount minus any excess money in the deposit account. In other words, any extra money you deposit can really helps to reduce interest payments, thus saving you the money.
• You are flexible to deposit more than your monthly installment in any amount, anytime, and as often as you wish.
• No notice required or fees charged for the extra payment.
• You have the flexibility to withdraw your excess payments whenever you need it in any amount, anytime you wish.
• No notice required or fees charged for withdrawal of excess payments.
• Withdrawal of excess payments can be done anytime by ATM or cheque facility.
• You can start your principal repayments immediately even if your home is still under construction, rather than merely servicing the progressive interest.
• You can request for an increase in loan amount, giving you a ready avenue for extra money.

Any home loan that does not have ALL the features above, should not be considered as flexible home loan. If the loan imposes constraint or limit to the amount of payment and frequency to the deposit and/or withdrawal of excess money, then it is not flexible enough.

Other than the above basic features, you should also look for the loan with:

• Low interest rate, of course.
• No monthly, quarterly or annually maintenance fee.
• No processing fee for application.
• Subsidised lawyer fee.
• Subsidised valuation fee.
• Low lock-in period.
• Low termination fee.
• Daily rest interest calculation where interest is reduced as soon as payment is made.
• EPF withdrawal to reduce loan outstanding.
• Loyalty bonus in the form of lower interest rates or money rebates for customers who keep the account for years.
• No compulsory to MRTA/MLTA offered by the bank.
• Convenient to make payment easily.

Although you could hardly find a flexible home loan with all the features above, you can always look for the one that offers the most.

Reduce your home loan interest rate

For most people like me, home loan is our biggest borrowing in our lifetime that span for many years to settle off. The interest rate of our mortgage loan is a crucial factor that determine the amount of money and the repayment time we need to pay back to the bank.

Over the past few years, the interest rate offered by banks has been gradually dropping to historical low level, and is currently around 5%. Therefore, if your home loan interest rate is far higher than 5%, you should consider lowering it to tremendously save the cost and time for you to repay the bank. If you signed up your current home loan package by more than 3 years ago, there is a great possibility that your loan is bearing an interest rate of more than 6% (or higher than BLR-0.75% in other words) with the current Base Lending Rate of most banks in Malaysia standing at 6.75% now.

How to lower your interest rate? This is my advice.

The 1st attempt is to write a letter to the mortgage business manager of your bank, requesting for a reduction to your home loan interest rate with the bank. This is exactly what I did recently, and I received the reply from my bank 2 weeks after I sent out the letter to them, offering to reduce the interest rate 2% lower from the existing. Immediately, I saved a huge amount of money at the cost of just sending out a letter to the bank (cost of paper, ink, envelop and postal stamp, which is close to zero).

If your 1st attempt failed, either denied or ignored by the bank, the 2nd attempt is to refinance your home loan to another bank. I'm sure you can easily get an interest rate of below 5% with zero moving cost offered by another bank nowadays. There are plenty of such packages around.

Take out your home loan offer letter and check your interest rate now. You could save an amount of at least 5 figures RM of your hard earned money by this interest rate reduction attempt.

Insurance to the cards and cash in your wallet

I've been always afraid of loss, snatch, theft and fraud to those plastic cards and bank notes in my wallet. I'm sure you would be the same too.

I was introduced to the CPP card protection plan by a flyer that come together with my Citibank credit card statement about a year ago, and this plan have relieved me from such worry at the cost of only RM98 per year, with the protection extends to my family members too.

The CPP plan enables me to have a single point of contact to cancel all my lost or stolen cards with just one phone call to their call center. Beside credit cards, its protection also covers bank ATM cards, MyKad, driving license, passport, Touch'n Go card, cash, and the wallet itself.

It provides protection to credit card fraud case even before notification to bank, and of course also after notification. It will also provide reimburstment for the replacement cost of the cards and valuable documents.

Click here to view the list of features and benefits of CPP.

Besides Citibank, CPP's protection policy is currently available locally for credit card holders from Alliance Bank, CIMB Bank, Standard Chartered Bank and Hong Leong Bank too. The plan and annual fees might varies a bit from each of the banks.

You can probably find out more about this protection plan from your bank.

Make your house stays cool - the cheaper and effective way

Being an equatorial country, the weather here in Malaysia is damn hot, especially when there is no raining for some times. The temperature in our house can easily gone up to more than 30 degree Celsius during daytime, and remains there for many hours at night before cooling off. Even since I moved to my linked house, I had been wondering what would be the best solution to lower down the temperature in the house, so that I could save on electricity bills by using the air-cons lesser. Since the heat comes from the sun, I focused on solutions on top of the ceiling. In the HOMEDEC Expo, I found vendor selling reflective sheets to be laid down on top of the ceiling, and also insulating material to be laid down in the same manner. But the cost is a bit high. In addition, the developer of my house already laid a layer of aluminium sheet underneath the roof tiles of my house, but I could still feel the heat. Therefore, I doubted on the effectiveness of those methods. I continued searching... 2 years ago, I found another vendor showcased their product with a mobile booth in South City selling turbine ventilators to be installed on roof top. I've seen those ventilators before, and convinced by its features and price. The temperature in my house always stays below 30 degree Celsius after the installation. It works!  

The Turbine Ventilators 

 

One Of The Air Vents 

This ventilation system consists of:

• 2x aluminium wind turbine 16" in diameter turning 24x7 on free floating system
• 8x air vents installed on ceiling

And the total cost of ownership is RM1,196 inclusive installation and 10 years warranty. (If your house land area is small, you could install only 1 turbine with 4 air vents at half the cost. Each turbine is effective to cover area of 500 square feets.)

So, what are its features that have convinced me?

• It is designed to turn at the slightest air movement, expelling warm air and ventilating the whole house continuously 24x7x365.
• It keeps the house cool by natural air movement, operates dynamically and does not use any electricity.
• Even in a windless day, hot air rises from the house will work to turn the turbines.
• It is designed to deflect water, making the system leak-proof to rain water.
• It has high speed limiting mechanism to prevent the turbine throat from blown away by strong wind.
• It is totally maintenance free. Its teflon impregnated bearing does not need to be oiled and working soundlessly all the time.

The brand of my turbine ventilators is Denko, distributed by Taika Enterprise. The vendor's booth is mobile in several hybermarkets. Sometimes I saw them in Tesco too.

Have you LinkedIn?

I tend to ignore those email invitations asking to join social networking sites such as Facebook, Friendster, Hi5, etc. Those sites give me the impression that they are for the youngsters looking for dating partners and/or sharing living photos, and somehow don't catch much interest to a married person who have already left the university campus for years like me.

Until recently, I received an email from a friend who is about my age of thirty plus, and well known to be serious at work, inviting me to join his network in LinkedIn. Out of curiousity, I signed in, and I Linked In.

LinkedIn really makes a different and unique from most other social networking sites, as it is targetted to working people in the business and professional groups. There, I found people I know at work and linked to them. I found those executive recruiters who had contacted me and matched the jobs for me before. I also found my schoolmates and got to know their latest whereabout with their trail of C.V. after leaving school. I could also find those famous people in the industries and professional areas. In summary, this site is about contacts, relationships and opportunities focusing on business and career.

After I sent out some invitation to my contacts to link with me, I found that many are new to LinkedIn and just created their account following my invitation to them. I wonder, have you Linked In or interested to get Linked In?