Understanding Wireless-AC bandwidth you can get from 802.11ac WiFi routers

Wireless-AC (IEEE 802.11ac), a.k.a. Very High Throughput (VHT) is the successor of the Wireless-N WiFi technology, and is the mainstream technology supported by today's WiFi routers and wireless networked devices including smartphones, tablets, laptops, PC wireless cards, smart TVs, smart CCTVs, etc.

As a layman, we always see the wireless-AC device rated with AC followed by a number, such as AC2600. What does that number tell us about the supported bandwidth of the device? Well, the number is actually a close figure to the total bandwidth of all its wireless bands added up together.

Bandwidth is the maximum available network connection speed of two connected devices. The actual connection speed (i.e. throughput) between the two connected devices is equal or lower than the supported bandwidth of the connection. The throughput is usually lower than the bandwidth due to shared connections, distance, surrounding interference, obstacle in-between, etc.

The wireless-AC network can operate in both the "traditional" 2.4GHz frequency band as well as the 5GHz frequency band. The 2.4GHz band is usually congested with the older wireless-b/g/n networks using the same band for wireless data transmission.

Wireless-AC routers or access points are dual band WiFi devices, supporting wireless connections with both the 2.4GHz and 5GHz frequency bands.

The newer AC3200 and AC5300 routers support two 5GHz bands instead of one, making them a triple band WiFi devices.

The table below shows the bandwidth of each of the bands for the common wireless-AC types.

Let's say your smartphone is connected to an AC600 router (the 1st one in above list) using the 2.4GHz band, the maximum connection speed the phone can obtain is 150Mbps. If it is connected to the same router using the 5GHz band, the maximum connection speed is 433Mbps.

If you are buying an AC2600 router (last 4th in above list), you can expect your wireless-AC supported devices connected with it using 2.4GHz band to have WiFi speed of up to 800Mbps, and if connected using 5GHz band, can reach a maximum speed to 1733Mbps, which is even much faster than the Cat-6 cable wired gigabit network (1000Mbps) connected to its gigabit network port.

Note that the maximum bandwidth in each of the bands in the table above is a combination of bandwidth delivered by one or multiple channels running in Channel Width of 20Mhz, 40Mhz, 80Mhz or 160Mhz. Connection of two linked WiFi devices must be established using the same channel number.

In wireless-AC network, each channel in 2.4GHz band supports a bandwidth of 150Mbps or 200Mbps; and each channel in 5GHz band supports a bandwidth of 433Mbps.

An AC2600 router such as the TP-Link Archer C2600 could support 4 channels in 2.4GHz band (4 x 200Mbps = 800Mbps) and 4 channels in 5GHz band (4 x 433Mbps = 1732Mbps). If your smartphone only support 2 channels in 5GHz band, then the maximum connection speed with the AC2600 router is only 2 x 433Mbps = 866Mbps instead of the full channel 1733Mbps. If your smartphone also support 4 channels in 5GHz band, then it is possible for you to achieve 1733Mbps connection speed.

Note that WiFi is a kind of local area network (LAN). The internet access speed you can get from the router is still restricted to the bandwidth you subscribed with your ISP, which is normally lower. Anyhow, a fast wireless-AC connection enables network data transfer between devices within the local network to be speedy. This will enable smooth ultra-high definition video streaming to your 4K smart TV from another device.

Submit your creative and innovative idea to Digi Challenge for Change (DigiCFC) Season 7 for fun and money

Digi has launched the Digi Challenge for Change (DigiCFC) Season 7 on 16 June 2016 with the mission of Building Mobile First Solutions for Social Impact.

DigiCFC is an open and inclusive programme and competition for Malaysians to contribute ideas for mobile applications that benefit society. In this exciting season of DigiCFC, they are looking for revolutionary mobile app ideas that are able to address the current issues surrounding 3 main target groups, namely children (below 18 years old), youth (below 40 years old) and women.

Idea submission is opened now until 17 July 2016.

Top 30 ideators will be invited to #ideajam where relevant industry experts and mentors will review their ideas. 3 Winning Ideas will walk away with RM5,000 each.

Mobile application developers, designers, analysts are also invited register their interest in DigiCFC website. At the second stage of the event, they will be invited to build on the 3 winning ideas. Teams must submit their finish product by 19 August during Hack@DigiCFC.

The winning teams ideators and developers will proceed to the POC with a seed grant to mobilize the solution to the community.

Grand Prize Winner will take home RM50,000 and an all-expense paid trip to Digital Winners Conference in Norway. Good Effort Prize Winner will take home RM10,000 for both finalist.

This programme is open to Malaysians (above 18 years of age) from all walks of life.

Click here for more information and participation to DigiCFC.

 

Rodger 7-point plan and Munro 5-fold grading system

Attention job interviewers and interviewees, the information below could be useful to you to successfully get the right person (for interviewers) or win your dream job (for interviewees).

Many HR adopts 2 important person specification models by Alec Rodger and John Munro Fraser respectively to match a job description with the ideal candidate to fill the job. Each of them gives certain headings under which the attributes of the ideal person can be classified.

Person specification is a profile of the personal skills and characteristics to look for in the recruitment and selection process.

Rodger's 7-point plan:

• Physical make-up: health, appearance, bearing, speech and manner.
• Attainments: education, qualifications, experience.
• General intelligence: ability to define and solve problems.
• Special aptitudes: skills, attributes or competencies relevant to the job.
• Interests: work related or leisure pursuits that may have a bearing on the job.
• Disposition: influence over others, steadiness, dependability, self-reliance.
• Circumstances: any special demands of the job, such as ability to work unsocial hours, travel abroad, etc.

Munro's 5-fold grading system:

• Impact on others people: similar to Rodger's "physical make-up" specification.
• Qualifications and experience: similar to Rodger's "attainments" specification.
• Innate abilities and aptitude: quickness of comprehension and aptitude for learning.
• Motivation: individual goals, consistency and determination to succeed in the workplace.
• Adjustment: emotional stability, ability to stand up to stress and ability to get on with people.

Scholarship2u website and Scholarship Fair 2016

Scholarships2u.com is an interesting website, acting as a one-stop gateway portal to scholarship information and application for Malaysian students of secondary school, college, or university up to Master degree, to study either locally or abroad.

The website aims to make finding the right college and scholarship faster than before with just a click of the button. Students can apply to scholarship offered by multiple institutions, and are required to sit for a scholarship test as assessment to the application.

The basic criteria to meet scholarship eligibility are school transcripts, achievements, family background and etc. The criteria, however, differs from country to country, state to state and even college to college.

The website is a good initiative for parents and students seeking for scholarship as financial aid to study. However, I find that improvement could be made for the website to list the scholarships offered in a better way, and to provide a better search function. Apparently, the website is using Wordpress as its platform, which has many limitation for its feature expansion and future growth.

The website is organizing Scholarship Fair 2016 with over RM10 million worth of scholarship to be offered for studying in  world class schools, colleges and universities from Australia, Malaysia, Switzerland, USA and United Kingdom.

Date: 23 July 2016 (Saturday)
Time: 1pm - 6pm
Venue: Eastin Hotel, Petaling Jaya
Admission: Free for first 1,000 registrations

For registration and more information about the Scholarship Fair 2016, click here to visit to Scholarships2u.com website.

Updated the firmware of my Samsung Xpress M2885FW printer to version 3.00.01.13

I have just updated the firmware of my Samsung Xpress M2885FW printer to version 3.00.01.13.

You can download the latest firmware from Samsung support webpage of this MFP here.

Firmware update can be done via the Samsung SyncThru Web Service, by accessing the printer's IP address using your web browser.

Note that you need to login as administrator user in order to perform the firmware update.

Here are the steps to perform the update:

• Download the latest firmware, and unzip the file.
• Locate the firmware file with extension .HD, such as M2885_V3.00.01.13.hd.
• Open your web browser and access to the printer's SyncThru Web Service.
• Login as administrator.
• Go to Maintenance > Firmware Upgrade.
• Click the Upgrade Wizard button.
• Select the firmware file, e.g. M2885_V3.00.01.13.hd.
• The file will be uploaded, and the firmware update process will begin.
• The printer will restart, followed by the firmware reflash procedure.
• Upon successful update, you can check the firmware information in Maintenance > Firmware Version screen.

And here is the changelog of the firmware for this printer for your reference.

Upgraded my home MFP to Samsung Xpress SL-M2885FW/XSS mono multifunction laser-class LED printer from Dell 1355cn colour multifunction LED printer

My Dell 1355cn colour multifunction laser-class LED printer has served me for more than 4 years before I hit with a paper jam problem that I'm unable to resolve by myself (probably due to faulty in either its sensor or paper feed roller alignment).

Considering its high toner price and I found difficulty to get a printer repair shop who are willing to repair this Dell printer, I decided to replace it with a new Samsung Xpress SL-M2885FW/XSS mono multifunction (print/scan/copy/fax) laser-class LED printer.

 

I have chosen a mono laser printer this time rather than a colour laser printer, as I found out that I seldom need to do colour printing. This BLI award-winning mono laser MFP which cost me RM698 (inclusive 6% GST) is much cheaper than the colour laser MFP available in the market. In addition, it only has black toner to replace instead of 4 toners which cost a lot when replaced at the same time.

One of the beauty of this Samsung M2885FW printer is that its imaging unit is separated from the toner, which helps to bring down the cost of the toner. The imaging drum unit MLT-R116 has a page yield of up to 9,000 pages and cost around RM175 for replacement, while its high-yield toner MLT-D116L  with page yield of up to 3,000 pages cost about the same price with the imaging unit. There is an alternative standard-yield toner MLT-D116S with page yield of up to 1,200 pages cost around RM100 only.

The easiest way to setup this Samsung M2885FW printer is to first connect it to the computer using USB cable, configure its TCP/IP settings so that it is accessible with network cable or WiFi LAN. The printer also supports WiFi setup using WPS method.

There are 2 ways to obtain and install its required drivers and software applications. One way is to install from its installation CD, another way is to install the Samsung Printer Software Installer and Samsung Printer Diagnostics which you can download from Samsung support website for SL-M2885FW/XSS.

You can make use of the Samsung Printer Diagnostics software to install and update the drivers and related applications to the latest version.

Other ways to setup the printer's TCP/IP network settings including using its control panel with 2-line LED display, which might not be convenient, and to connect to the printer using WiFi Direct, then continue with the configuration, which might need some technical know-how before the attempt succeed.

There are 2 important software that you need to install namely Samsung Easy Printer Manager and Samsung Easy Document Creator.

The Samsung Easy Printer Manager has 2 modes. The Basic Mode (or I call it end-user mode) is a clean and straightforward screen that tells you the printer's status, and provides quick button access to its scanner functions (which handled by the Samsung Easy Document Creator application), fax functions, user's guide (which is a comprehensive user manual) and some other basic functions.

The Advanced Mode (or I call it administrator mode) provides more detailed information about the printer, including its serial number. It also allows you to perform some settings configuration here.

There is a reason I said setting up TCP/IP for the printer is important. Apart from making the printer accessible via the network once the TCP/IP setting is done, it also enables you to have access to its powerful Samsung SyncThru Web Service which you access by connecting to port 80 of the printer's IP address using your web browser.

The number of information you can get in SyncThru Web Service is even more than Samsung Easy Printer Manager Advanced Mode. It also provides you much more control to the settings of the printer.

You can gain even more access by login as administrator in SyncThru Web Service. The default username is admin and its default password is sec00000. Once logged in, you can replace this username and password with your own.

You can also perform print, scan or fax function from your mobile device through the Android app called Samsung Mobile Print. If you are using iPhone or iPad, there is Samsung Mobile Print for iOS too.

What I like about this printer?

• It prints and/or copies really fast, at speed of up to 28ppm. Much faster than the Dell 1355cn.
• Its print output is of high quality. Resolution can be as high as 4800x600 dpi.
• Its scanner support high resolution of up to 1200x1200 dpi optical, and 4800x4800 dpi maximum.
• It has built-in support for automated double-sided printing, which is a feature normally available in printers of higher range.
• It has built-in support for ID copy to easily copy double-sided cards (e.g. IC, driving license, business card, ...) onto the same page of A4 paper.
• It has built-in support for Google Cloud Print, Samsung Cloud Print, and Apple AirPrint.
• It is small in size, even slightly smaller than the Dell 1355cn.
• It has low power consumption of 1.6W during power save mode, 2.4Wwhen sleeping with WiFi direct on, 50W during standby, and 400W when printing.
• Its paper tray is of drawer type, not exposing the papers in front of the printer. The tray has input capacity of up to 250 sheets of papers.
• It has easy to use Eco Mode which helps to save toner and/or paper usage.

What I dislike about this printer?

• Its 2-line LCD display panel has limited display area. It is not practical to perform setting directly using its control panel.
• When putting in A4 paper in its paper tray, there is still slight exposure of the paper at the back of the printer.
• It supports NFC, which needs to function together with WiFi Direct. However, my phone's NFC contact with the printer most of the time not successful to bring up the Samsung Mobile Print app. It is not easy to make use of this function.
• The Samsung Printer Installer unable to detect and download the latest firmware for the printer, and the Scanner Driver is always in "update needed" state even if the latest version already installed successfully.

Online free search of registered company name and purchase of their company profile with SSM e-Info website

If you are going to start up a new business in Malaysia and would like to check whether the company name you thought of is available or not, now you can check it online for free, with SSM e-Info website.

Other than the above purpose, you can use the same website to check a Malaysian company's information at a small fee payable online. Available information including:

• Company profile: consists of company information, summary of share capital, directors/officers, shareholders, company charges and account summary.
• Company charges: extraction of information from Form 34 (Statement of Particulars to be Lodged with Charge) and Form 40 (Certificate of Registration of Charge).
• Financial comparison: extraction of information from 2 most recent Audited Balance Sheet and Profit and Loss Account of the company.
• Business Profile (for LLP, sole-proprietary, partnership): consists of business information, business address, nature of business, branch information (if any) and current business owner.
• Business Termination Letter: certification of termination of registered Business from SURUHANJAYA SYARIKAT MALAYSIA which verify that the Business is expired or terminated.

In the good old days, you need to go to the office of Companies Commission of Malaysia (Suruhanjaya Syarikat Malaysia, SSM) to perform the searching, checking and information purchasing. This SSM e-Info website eliminates the hassle by making the service available online.

Before you can perform any searching in the website, you need to register a user account by clicking on the "Register Now as e-Account Member" image link on the website. The registration is free and once your account is successfully registered, you can immediately login and make use of the services available.

You can search the company or business by name or by registration number.

If no search result displayed, then the company name you searched for is probably available for new registration application.

If the search found any matching company/companies or business/businesses, it will display their registration number, name, city and state in search result, and you can click a button to purchase further information of the company/business.

My Avantree CGTR-520-W desktop power station with 5 USB charging ports and 2 AC outlets

You've probably read about my Belkin B2E027 4-port 2.4A full rate USB power charger before. It is still working fine and I am still using it.

Recently, I discovered something even better, which is the Avantree CGTR-520-W desktop power station. It comes with 5 smart USB ports, which each single port able to charge up to 2.4A and the total combined charging capacity is 8A.

It also comes with 2 AC sockets (maximum 10A loading) with surge protector of 1,700 Joule and power rating of 1,250W (for 125Vac) or 2,250W (for 225Vac).

You've probably seen it in action when I talked about my KCX-017 USB current and voltage tester in my previous post.

This power station is handy when you have limited wall sockets, as it won't occupy your wall socket and at the same time it extends another socket for your use. You can use its sockets to charge your laptop and other bigger devices that need to be charged with electrical socket instead of USB.

My KCX-017 USB current and voltage tester

Sometimes you will face problem with USB charging such as charging speed slower than normal, unable to charge, or worse still, you encountered a "reverse charging" whereby current is drawn away from the battery of your device instead of charging it.

The problem could be due to faulty charger, faulty USB cable, or faulty USB port of the device to be charged.

In addition, certain 3rd party USB cables are having quality issue with unstable current flow, or only allow low current flow through it.

A USB tester such as the KCX-017 will be handy to diagnose such situations.

This small gadget only cost around RM25, and works well with wall charger, car charger, power bank, etc. by connecting its attached USB cable to the charger, or by connecting the charging cable to its micro-USB port. It will measure the input voltage and display on its LCD screen.

Its other end is a USB port which you can use a USB cable to connect to a charging recipient such as mobile phone, tablet, GPS navigator, etc. Beside the voltage, it will also measure and display the current drawn by the recipient, and also calculate the mAh value of the charging session.

In summary, this gadget is used to:

• Test no-load voltage of the power supply
• Test output power of USB output devices
• Test working voltage and current of the USB output devices
• Test voltage and line loss of charging cables
• Perform real-time monitoring of the charging status

Its specified working environment is as below:

• Voltage range: 3-7V
  
• Current range: 50mA-3,500mA
  
• Capacity range: 0-19,999mAh

When the input voltage is lower than 4.7V or higher than 5.3V, its LCD screen will flash with an arrowhead indicating under-voltage or over-voltage.

This device can record up to 10 sets of readings. There is a button near to its LCD screen.

• Double click the button, the display will start flashing. Single click the button to switch to different memory slot (from 0 to 9). Double click again to use the current memory slot displayed on screen.
• Long press the button will reset the next memory slot reading back to 0000.

This device is able to memorize the last reading when unplugged. The next time when it is turned on again, that reading will be displayed on its LCD screen.

It is a handy device to troubleshoot USB charging problem, as well as to test for the charging quality of USB cables.

My VST-706 3-in-1 car battery voltage monitor, digital thermometer and USB charger

I have just bought this VST-706 car gadget which plugs into the car cigarette lighter socket and function as 3-in-1:

• Battery voltmeter
• Digital thermometer
• USB 2.0 charger

This little car gadget cost less than RM30 and works with car using 12V battery or 24V battery.

The interpretation of its voltmeter reading is as follow:

Its thermometer measuring range is -9 ~ 80 degree Celsius.

The maximum output current of its USB charging port is 2.1A.

With it, you can always monitor the voltage of your car battery and be alerted of its faulty and timing for its end-of-life, before it went flat. The thermometer and USB charger are extra features that good to have too.

My SanDisk Ultra Dual USB Drive 3.0

The price of USB flash drive has eventually gone cheap. Nowadays, you can get a genuine 16GB SanDisk Ultra dual USB drive 3.0 with plug-and-play support to OTG-enabled Android devices at the price of less than RM20.

This SanDisk Ultra dual USB drive 3.0 has 2 connectors. At one end is a USB 3.0 connector that is able to transfer file to computer at a speed of up to 130 MBps (or about 1 Gbps).

Note that there is another product called "SanDisk Ultra dual USB drive" without the "3.0" behind, selling at slightly cheaper price, which the USB connector is a USB 2.0 connector and the data transfer speed is much lower than the 3.0 version.

At the other end is a micro-USB connector that can work on the fly with OTG-enabled Android devices.

Similar with the warranty period of most SanDisk Ultra range of products, this SanDisk Ultra dual USB drive 3.0 comes with a 5 years warranty.

Once plugged into the micro-USB port of the Android device, this USB flash drive is auto-detected by Android as one of the external storages and is immediately accessible by File Manager of Android system.

SanDisk also provides a free mobile app called SanDisk Memory Zone for user to access the USB flash drive and to transfer file between it and the device's internal storage or flash memory card installed in the device.

However, I found the function of this SanDisk Memory Zone app is very limited. It doesn't work with the folders in the USB flash drive so you can only copy file to its root directory, and the copying process is pretty slow.

The only Android app I found that can work with it without hassle is ES File Explorer Pro (or its free version ES File Explorer).

ES File Explorer Pro is able to detect and use this OTG drive upon plugged in, and all file operations of copying, moving, renaming, deleting, creating, opening with associated app, etc. can work well without problem.

ES File Explorer Pro works equally well to access my SanDisk Ultra Dual USB Drive 3.0 with my HTC One M8 smartphone running on Android 6.0 and my Samsung Galaxy Note 5.0 tablet running on Android 4.4.2.

OCBC Bank launched open API for developers to integrate apps with their open data

In line with Singapore Government's Smart Nation Initiative and the Monetary Authority of Singapore's vision to create a Smart Financial Centre and move toward an open API architecture, OCBC Bank has on 17 May 2016 launched their open Application Programming Interface (API) platform, namely CONNECT2OCBC,  that allows software developers to integrate their apps or websites with OCBC's open data related to their products and services.

OCBC claims to be the first in Southeast Asia to introduce such open API service, playing a bigger role in growing the FinTech ecosystem.

For a start, 4 APIs are made available:

• Branch Locator provides a list of OCBC Bank branches with their respective location details and operating hours.
• Credit Card Advisor provides credit card suggestions based on user's lifestyle.
• ATM Locator provides a list of OCBC Bank ATMs with their location details to facilitate users in finding them.
• Forex provides a list of updated currency exchange rates by OCBC, allowing the integrated apps to perform calculations across currencies.

Although these 4 APIs looks limited, it is deemed as a good start. Hopefully more APIs will be made available for broader and deeper usage in the near future.

Click here for more information about the CONNECT2OCBC APIs.

Besides, OCBC has also established a new business unit called The Open Vault @ OCBC, which is a FinTech innovation center aimed to incubate FinTech startups, helping them make products and services that the bank can add to its digital banking arsenal or bring to the market.

The 5 areas of interest of Open Vault @ OCBC are:

• Wealth management
• Credit and financing
• Insurance
• Cyber security
• Artificial intelligence

The center has partnered with Hong Kong venture capital firm Nest to run the OCBC FinTech Accelerator incubation program to provide selected start-ups with business and technical expertise mentorship.

SSPN-i declared 2015 dividend

The Federal Minister of Higher Education, Datuk Seri Idris Jusoh, has just declared the dividend for Skim Simpanan Pendidikan Nasional (SSPN-i) of year 2015 on 6 May 2016.

The 2015 SSPN-i dividend payout rate is 4%, amounting to RM60.8 million. This rate is slightly lower than the previous 4.25% payout for 2014.

Historical SSPN-i dividend payout rate is as below:

• 2015: 4.00%
• 2014: 4.25%
• 2013: 4.25%
• 2012: 4.25%
• 2011: 3.75%
• 2010: 3.25%
• 2009: 2.50%
• 2008: 4.00%
• 2007: 4.00%
• 2006: 4.00%
• 2005: 4.00%
• 2004: 3.00%

If you have opened an SSPN-i account for your child, you should be able to check the amount of dividend received in the account by now (9 May 2016).

Click here to read about how to view your online SSPN-i statement of account.

Today is World Password Day

Today is the  first Thursday of May, the World Password Day! It is observed to create awareness of the need for good password security practice.

Nowadays, password is used everywhere,  being a commonly used security mechanism for:

• identity verification
• authentication of access control
• encryption/decryption key to protect our private information

Here are the 4 steps action to secure your online experience, recommended by organizers of World Password Day:

Why the first Thursday of May? Perhaps this day itself is an interesting day, being observed in:

• 5 May 2016
• 4 May 2017
• 3 May 2018
• 2 May 2019
• 1 May 2020

For more information, visit to : https://passwordday.org/

Warning! Touch n Go cards must be used at least once per year, or you will lose money!

Perhaps not many people aware that their Touch n Go card, if stayed unused for 12 months consecutively, will be deactivated and suspended into dormant state.

The dormant card cannot be used anymore, and your money balance in the card will be locked and rendered unusable, until you get Touch n Go to reactivate the card.

There is an admin fee of RM5 plus GST (total: RM5.30) to reactivate the dormant Touch n Go card.

If you continue to keep the card staying inactive, they will still charge you RM5 plus GST (total: RM5.30) of maintenance fee in every 6 months interval. The maintenance fee will be deducted from the balance in the dormant card, until it reached zero. Then, it becomes a junk plastic card.

In addition, every Touch n Go card has a lifespan of 10 years only, and the expiry date is printed behind the card.

Upon expiry, you can buy a new card and transfer your balance from your expired card into your new card. There is an admin fee of RM5 plus GST (total: RM5.30) for Touch n Go balance transfer too.

Today, there are several highways in Klang Valley that no longer receive cash as toll payment and made compulsory to pay with Touch n Go.

If you are staying outside Klang Valley and were forced to buy a Touch n Go card just to pay the toll during your visit to KL once in a blue moon, you are likely to be affected by this.

According to Touch n Go, you can avoid this situation by using the Touch n Go function in your MyKad instead of purchasing the standalone Touch n Go card. Your MyKad will not become dormant even if you don't use it as Touch n Go card for more than 1 year.

About Private Retirement Scheme (PRS) and its funds performance at end of April 2016

Launched in 2012, the Private Retirement Scheme (PRS) is a voluntary (non-compulsory) retirement scheme in Malaysia for employees and also self employed to have another option of forced saving for their retirement.

In order to encourage savings under PRS, Malaysian government granted personal income tax relief of up to RM3,000 for individuals tax payers from their PRS savings amount deposited during the taxation year. 

Employers are also provided with tax deduction on contributions to the PRS on behalf of their employees above the statutory rate of 19%.

Note that this income tax relief for PRS is available for 10 years only, from tax assessment year 2012 until 2021.

Also note that the sales and admin charges deducted from your PRS contribution is not eligible for tax relief, you can only claim the amount from your net PRS contribution done within the year, up to RM3,000 per year.

Your PRS contributions will be deposited into your Private Pension Administrator (PPA) account, after your PRS fund provider deducted the sales and admin charges.

Your money in your PPA account is split into 2 sub-accounts (a bit similar to your EPF account). Once your money is parked in your PPA account, you can forget about it until you finally retire, because:

• 70% of your fund is parked in Sub-account A, which cannot be withdrawn until you retired.
• 30% of your fund is parked in Sub-account B, which you can only withdrawn once a year, and subject to an 8% tax penalty on the withdrawal amount.

Your money in PPA account is then allocated for investment by your fund manager with your selected fund scheme, which could be of category of growth, moderate or conservative.

There is no guarantee that your PRS fund will give you return. In fact, you can also lose money if your fund is not performing!

How is the performance of the available PRS funds so far?

Morningstar is tracking the PRS funds performance (there are 79 of them as at 30 April 2016) on a day-to-day basis.

As of today (30 April 2016), only 19 or 24% out of the total 79 PRS funds have made a positive year to date return. AmPRS - Asia Pacific REITs is the champion with 4.79% return YTD.

Those 19 PRS funds that have positive return year to date, and their YTD return are as below:

(Screen captured from Morningstar's PRS fund performance tracking website, double click on image to enlarge)

The worst PRS fund performer YTD, CIMB Islamic PRS Plus Asia Pacific Ex Japan Equity fund, has caused a 8.92% lost in 4 months time.

Anyhow, YTD return is for monitoring of latest return performance of the funds. If you see your fund continuously not performance well over a couple of months, you should consider switching over to another fund that is performing well over the same period of time.

Now, let's look at their full year return in 2015. There are a total of 75 PRS funds active in year 2015, and 74 of them had brought positive return, only 1 has lost money.

The champion in 2015 is AmPRS - Islamic Equity Fund with a return of 16.3%. The top 10 PRS funds in 2015 are:

And the bottom 10 PRS funds in 2015 are:

So, does it worth to lock down your money in PRS, and put it in the hand of your PRS fund managers to bring return or lost to you? You decide.

U Mobile attacked competitors again with free video streaming on top of existing data quota

If you have a smartphone or tablet attached with U Mobile postpaid and prepaid service, and you have been using it to watch online videos, here is a good news to you.

U Mobile has just launched their Video-Onz service, providing free additional quota on top of existing data plan for you to watch videos using the apps from the following 12 providers:

• YouTube
• YouTube Gaming
• Youku Tudou
• iflix
• Astro on the Go
• HyppTV Everywhere
• Viu
• Eros Now
• tonton
• Herotalkies
• ONFM
• Pocketimes

This mean that when you are watching videos with these apps, you are given additional quota on top of your existing Internet data quota for the video streaming, for free by U Mobile under the Video-Onz service.

The monthly allocation of the free Video-Onz video streaming quota on top of the existing Internet data quota of various U Mobile postpaid and prepaid plans is as below:

There is no Video-Onz quota imposed for P70, i90 and i130 postpaid plans, meanings you can watch videos or movies with the above 12 video streaming apps as much as you wish, as there is unlimited Video-Onz data for these plans. 

Nowadays U Mobile marketing is really aggressive in capturing the market share by providing competitive package that really can shake and disrupt its competitors, which is a good news for all mobile consumers in Malaysia.

Let's see what will Celcom and Digi offer to counter attack this. Maxis? Maybe their customers need to cry and scream and swear for another time again for them to finally react.

Meanwhile, the P1 (now known as Webe) under TM has been making a lot of hoo-haa recently, but until today the general public is still unclear about what they are going to offer to join this intensified competition.

Earth Day and the story of bottled water

We've just celebrated our Earth Day on 22nd April. This event has once again brought some world attention to the story of bottled water, with a video produced back in 2010.

Here is the video, which has been viewed over 4.7 millions time in YouTube:

So, what's wrong with the bottled water? It is a multi-billion business, sold 290 billion liters in 2014 and expected to continue growing at a CAGR of around 8.5% between 2015 and 2020.

Well, we are told that about half of the bottled water is sourced from tap water, and priced a few hundreds time the price of tap water. It is expensive, sometimes even more expensive than petrol.

Another half is sourced from underground or spring water. What will be the impact to the environment when millions of gallons of water is extracted away 24x7 everyday? Will it change the soil moisture, deplete the wetlands and narrow out the rivers? Will it in turn affect the surrounding ecology, and the aquaculture and agriculture condition?

Anyhow, the main issue is more on the plastic bottle itself than the water contained in it. In order to manufacture the plastic bottle, millions barrels of fossil fuel is consumed, and another millions tonnes of carbon dioxide is generated.

Each year, more than 4 billion pounds of PET plastic bottles end up in landfills or as roadside litter, or worse still, floating in the sea endangering the birds, fishes and other ocean animals. Only less than 20% of plastic the water bottles are actually recycled.
In the United States of America, selling of bottled water is banned in more and more schools and colleges, and even parks.

Therefore, to save our earth and its environment, we should only drink bottled water when necessary, and not to substitute our daily drinking water with it. We should resume our traditional way of drinking filtered or boiled tap water, and use reusable water container to carry some water with us for outdoor drinking.