Tuesday, March 31, 2020

My Ruizu X02 MP3 player with 8GB internal storage

I have bought a Ruizu X02 MP3 player for my kid who is studying in a boarding school. It is a budget MP3 player which cost around RM50.


This Ruizu X02 MP3 player is very lightweight, compact at the size of just 3.9cm x 9.0cm x 0.7cm, and surprisingly feature rich. Its only shortfall is not supporting Bluetooth audio. Anyhow, Bluetooth is supported in higher ranked models of Ruizu MP3 player, such as the X06 which cost about 50% more expensive than the X02.

It doesn't come together with a earphone. well, you can easily get a decent earphone that come with your handphone, or to purchase one from the market.

Its default firmware is not so user friendly, because for certain function, you need to press its left and right button to navigate up and down on the screen. There is a new firmware version available for download in Ruizu official website. After the firmware update, its UX screen navigation is much better now. You can click here to learn about how to perform the firmware update to Ruizu MP3 player.


This MP3 player has an internal storage of 8GB. It also supports using SD card as external storage, but I found that after plugged-in the SD card, there will be additional steps to access and play the music and files, making it less convenient. In the end, I find it much better without the SD card. After all, 8GB of storage is large enough to store in a lot of songs and files.

One of the unique selling points (USP) of this Ruizu X02 MP3 player is its built-in battery's run time, which is able to play music for as long as 80 hours for a full charge cycle.

Another USP is that it supports as many as 25 languages, not only able to display the menu text in different language, but also able to correctly display filename, tag info, lyrics, and text in Chinese, Japanese, Korean, Italian, French, and characters of other languages.

Among its functions are:

1. Music player

Its music player is able to play MP3, APE, AAC, OGG, M4A, WMA, WAV and FLAC.

It has a decent software equalizer, and able to play music with satisfactory quality when paired with a good stereo earphone, or a music speaker connected with AUX cable to it.

It supports display of song lyrics with LRC file, and also display of song album image when the music is playing.

2. Audio recorder

It has a built-in mic for audio recording. Supported audio recording file formats are MP3, WAV and ACT.

The effective sound recording distance is less than 8 meters.

3. FM radio

It makes use of the connected earphone wire or AUX cable as antenna for its FM radio. It is able to memorize up to 30 favourite stations, which is quite a lot. It is also able to perform FM radio recording.


4. Photo viewer

It is able to display JPG, JPEG and BMP files on its 1.8" TFT screen. Do not expect much, as the screen resolution is low.

5. Video player

It can also play video in AMV format of resolution 128x160. You can convert Music Video (MV) into this AMV format, and it will be able to play the MV.

6. E-book

It can display content of TXT files, and allow you to put a bookmark onto the reading file. Text files with Chinese, Japanese, Korean, etc. are supported.

7. Games

Its default firmware does not come with games, but after updated its firmware to latest version, there are 3 small games found in it, namely Snake, Sokoban and Tetris.

8. Other functions

Other functions include clock (as screen saver), calendar, stopwatch and alarm.

It would be nice if it could include a simple calculator as well, but that is lacking.


All in all, this is a feature rich MP3 player with very affordable price. A nice gadget for students in the situation that use of handphone is very restricted within the school compound, but MP3 player is allowed, particularly in the library area.

Thursday, March 26, 2020

Rakuten Trade - all-rounded stock trading platform with lowest brokerage fee

Rakuten Trade is a totally online Bursa Malaysia stock trading platform. It is a joint venture between Kenanga Investment Bank and Japanese-based Rakuten Securities. It has been in service since 2017.

If you haven't open a stock trading account with Rakuten Trade, now is a good time if you intend to do so, because there is promotion which going to end soon in 31 March 2020 worth RM60 upon account activation, and the best time to buy stocks is when the price of most stock counters were beaten down.

Opening account is just for preparation to trade with Rakuten Trade, hopefully in the near future, when you are mentally and financially ready to buy stocks. A good timing will be when good development of mitigating COVID-19 virus is announced (such as, proven vaccine is available) and the socio-economical traction is recovering from the damage made by the COVID-19 virus. That will be the time to ride on the rebounding wave of the stock market. Anyhow, if you are a risk taker, you might want to enter your position earlier too.

Why Rakuten Trade?

First of all, you can open account with Rakuten Trade totally online, without the need of filling and signing on any paper forms, and without the need of visiting to their office.

More importantly, opening CDS account(s) with Rakuten Trade is free of charge, while most other broking firms will charge you RM10 per CDS account.

You can click here to open your Rakuten Trade account at their website.

Remember to use the Referral Code Voyager8 during account opening to get 500 Rakuten Trade Points (RT Points) upon successful account activation.

If you open your account on or before 31 March 2020, remember to open both Cash Upfront and Contra accounts together, and key-in HelloGold as Promotion Code by following the instruction in this linked webpage, because you can get RM60 worth of gold in HelloGold, upon successful Rakuten Trade accounts activation. The RM60 will be emailed to you in the form of HelloGold promo code, which you can key-in under the Rewards > Enter Code section in HelloGold app to redeem as gold of equivalent price.

There are 3 kinds of accounts in Rakuten Trade. You can activate any one, two or three of them. Click here to learn more about the Cash Upfront, Contra and Margin accounts available in Rakuten Trade.

Among all the broking firms in Malaysia, Rakuten Trade is one of the one with the lowest brokerage fee (if and only if, there really exist another broking firm with cheaper brokerage than them).


Their brokerage is as low as RM7, and the maximum brokerage fee per stock per day is capped at RM100 only (while most other broking firm will charge brokerage unlimitedly).

Note that beside the cheaper brokerage fee, the clearing fee and stamp duty is at the same rate with the other broking firms.

You can earn RT Points while using Rakuten Trade, especially when you are first time user. Here are some of the ways to earn RT Points:
  • Open new account with Referral Code Voyager8 and successfully activate it: +500 points
  • Open Margin account with Promotion Code RakuMargin and successfully activate it: +1888 points
  • Deposit at least RM100 into new Cash Upfront account within 5 days upon activation: +500 points
  • Deposit at least RM100 into new Contra account within 5 days upon activation: +500 points
  • Deposit at least RM100 into new Margin account within 5 days upon activation: +500 points
  • Execute 1st trade successfully within 10 days upon Cash Upfront account activation: +1000 points
  • Execute 1st trade successfully within 10 days upon Contra account activation: +1000 points
  • Execute 1st trade successfully within 10 days upon Margin account activation: +1000 points
  • Refer new friends to Rakuten Trade with your own referral code: +500 points each
  • Trading stocks with Rakuten Trade: +1 point for every RM2 in brokerage
  • Transfer shares from other CDS accounts to Rakuten Trade CDS account: +500 points

What can you do with RT Points accumulated? You can perform 1-to-1 points conversion with AirAsia BIG, B Infinite or Bonuslink, which is a pretty good deal!


The Rakuten Trade web trading platform is pretty comprehensive and easy to use.

Beside the normal functions of stock buying, selling, monitoring, watch-listing, cash in, cash out, etc., Rakuten Trade provides a pretty comprehensive and up-to-date information and report about the stock counters under Stock Info section.



It also has a very nice Stock Screener to perform stock filtering at ease.


Beside the preset screening formula, you can also define your own screening formula as well, and there are many screening criteria for you to work with.


You can even go into detail analysis of the filtered result.


Beside web online trading platform, Rakuten Trade also has mobile trading platform called iSPEED.my which you can download from Google Play Store or Apple App Store. However, its user interface is very old style and has many rooms of improvement.


If you find that Rakuten Trade is better than your current online trading platform, just go ahead to open your Rakuten Trade account to enjoy its benefit. After all, open new CDS accounts in Rakuten Trade is free of charge. You can of course continue using your existing trading platform, if you want, even though you have opened new account in Rakuten Trade.


Saturday, March 21, 2020

Reliable online shop to buy disposable 3-ply non-woven face masks and disposable plastic gloves

It is a crucial practice to maintain good hygiene during current critical time against the COVID-19 corona virus.

To prevent infection, it is essential to wear a 3-ply non-woven face mask whenever we go outdoor, or whenever there is any sick family member in the house.

As the global demand for face masks is very high at this moment, there are not much stocks available in the market. Worse still, there exists quite a lot of scam face mask sellers in the Internet trying to cheat the buyers.

As such, it is very important to know where can you buy face masks online of:

  • with reasonable price
  • of reliable quality
  • from trustworthy seller
  • that promised to deliver to you within a short period of time
One of the online shop that fulfil all of the above requirements is the online JDX Presto Concept Store in PrestoMall.

JDX Presto Concept Store is a renown O2O store with a 50,000 square-feet physical shop located in Quill City Mall. PrestoMall, formerly known as 11Street, is one of the larger and popular online marketplace in Malaysia.

The URL to buy disposable 3-ply non-woven face masks from them is:
https://www.prestomall.com/productdetail/3ply-disposable-face-mask-50pcs-3-69407527

 
 

According to a research done by University of California-Los Angeles (UCLA), the COVID-19 virus can stay active for more than 3 days on certain surfaces including plastic and stainless steel.

If you touch on the following (but not limited to) objects, you might carry the bacteria and virus on their surface to your hand, which might include the COVID-19 virus as well:
  • Petrol pump
  • Lift buttons
  • ATM machine buttons
  • Door access keypad buttons
  • Door handle
  • Bus / train handle bar or handle strap
  • Shopping trolley cart handle
  • Fingerprint scanner
  • ... and many more

Then, the bacteria and virus would spread out from your hand to all the other surfaces that you touch on, and might also enter into your own body if you touched your eye, nose, mouth, body wound, etc.

Therefore, it is highly advisable to wear a disposable plastic glove before you touch on any of such objects, especially in public places, and immediately throw away the glove into dustbin after use.

You can buy the disposable plastic gloves from Shopee. According to my own experience, the plastic gloves arrived at my doorstep within 24 hour of purchase.

The URL that I bought my disposable plastic gloves is:
https://shopee.com.my/product/12837901/986704474


The same shop also sell alcohol-free hand sanitizer spray as well.

Take care. If you find this article useful, please bookmark and share its link to your friends.

Friday, March 20, 2020

Yoodo provides free weekly additional 1GB data plan until end April 2020

Currently, Malaysia is undergoing a Movement Control Order (MCO) to prevent the widespread infection of COVID-19 corona virus. Most people are ordered to work from home.

In view of this, Yoodo has announced to provide free additional 1GB data plan on every Monday to all their active users. This free additional 1GB data is given automatically, and users need not do any setting to enjoy the free data.


The first additional 1GB data has been allocated on Friday 20 March 2020. Thereafter, on every Monday of every week until 27 April 2020, active users will automatically get another additional 1GB data in their plan.

Note that if you did not subscribe to any Yoodo data plan during the period, you will still get this free 1GB data as long as your account is still active. However, the 1GB data will not be seen in your Yoodo app's dashboard.

If you have an active data plan, you will be able to see 1GB added on top of your remaining data quota in the dashboard screen. However, the 1GB free data will not be added to your total data plan value.


In the example above, the active data plan is 2GB, and 0.03 GB has already been used. The remaining is 1.97GB. Then, the additional 1GB is added, so the remaining is now 2.97GB instead.


Unifi Mobile #bebas prepaid provides 7 days FREE unlimited LTE data pass during 2020 Malaysia Movement Control Order period

Currently, Malaysia is undergoing a Movement Control Order (MCO) to prevent the widespread infection of COVID-19 corona virus. Most people are ordered to work from home.

Unifi Mobile has just announced that they are providing a 7 days FREE unlimited LTE data pass to all their  #bebas prepaid users.



Note that this 7 days FREE unlimited LTE data pass, namely BEBAS Weekly, is not given automatically, and you have to subscribe to it from within the mobile@unifi app.

All you need to do is to tap on the BUY NOW! button at the bottom of the screen, go to the Data menu, and select BEBAS Weekly at the price of RM0.


I believe after 7 days, when this free data pass is expired, you can go to the same place and subscribe for another 7 days, until this option is eventually revoked from the menu.

Sunday, March 8, 2020

Huawei Watch GT 2 46mm (LTN-B19) and 42mm (DAN-B19)

Recently, 2 smart watches have entered into my family life, one for my wife and another for myself.


Due to the size difference, the larger, 46mm Huawei Watch GT 2 (LTN-B19) is more suitable for gentlemen, while the smaller, 42mm Huawei Watch GT 2 (DAN-B19) is more suitable for ladies.

There are a lot of similarities in terms of features and functions between the 2 of them. However, the Huawei Watch GT 2 46mm is slightly more expensive than the 42mm version. Other than a larger screen size, the Huawei Watch GT 2 46mm (LTN-B19) contains several features more than the 42mm version. The key differences are:
  • 46mm LTN-B19 (41 gram) is 30% heavier than the 42mm DAN-B19 (29 gram).
  • 46mm LTN-B19 has a slightly wider strap (22mm) than the 42mm DAN-B19 (20mm).
  • 46mm LTN-B19 has longer battery life (typically 14 days) than the 42mm DAN-B19 (typically 7 days).
  • 46mm LTN-B19 supports making phone calls through favourite contacts list and also receiving incoming phone calls, while the 42mm DAN-B19 doesn't have this feature.
  • 46mm LTN-B19 can play music on the watch itself as well as through connected ear buds, while 42mm DAN-B19 does not have built-in speaker to play music on the watch itself, but able to play music through connected ear buds.
The Huawei Watch GT 2 is more than a smart watch. When connected to a smartphone with Bluetooth and working together with the Huawei Health mobile app, you will realize that it can function as a personal digital coach for health, exercise and lifestyle.

Its basic functions as a smart watch including:
  • Time and calendar
  • MP3 music player
  • Barometer
  • Compass
  • Make and receive phone calls (46mm version only)
  • SMS and notifications sync from smartphone
  • Weather reporting
  • Stopwatch
  • Timer
  • Alarm
  • Flashlight
  • Find my phone
  • Monitoring and recording of steps, heart rates, calorie burning, etc.
  • Workout recording
In terms of MP3 music, it can play music streamed from the connected smartphone, or play music directly stored in its storage. For 46mm version, the watch can play the music by itself. Both 46mm and 42mm versions can play the music with connected ear buds. It supports MP3 information written in Chinese.




For the coaching functions, this smart watch can work together with Huawei Health mobile app to provide comprehensive report about your night sleep quality with improvement suggestion.


The watch can also vibrate and remind you to move your body when you are detected to be sitting at the same place for a long time.

It can continuously monitor your heart rate and alert you when your heart rate is too high or too low.

It can also monitor and provide report to your stress level.


It has comprehensive work-out programmes, able to record down your body condition during exercise, and come out with work-out report and coaching advice.

When connected to a digital weighting scale, it can also monitor your weight change and provide advice accordingly.

There is even a simple breathing exercise to guide you to breath and relax.

One thing I want to emphasize is that, its sensors and data measurements are more accurate than most of the cheaper smartwatches and smart bands in the market.

Friday, February 28, 2020

Upgraded Honda City stock Goodyear Excellence 185/55R16 tyres to Michelin Energy XM2 Plus

The stock Goodyear Excellence 185/55R16 tyres of my Honda City had worn out by 70%, and I had shortlisted the following 3 models as their replacement:

  • Michelin Energy XM2 Plus
  • Goodyear Assurance Triplemax 2
  • Continental UltraContact UC6
Before I was able to made up my mind, one of my tyres was found to have a nail poked in it, so I was forced to replace them a little bit earlier than my planned date.

The tyre shop informed me that they didn't have stock that fit with the wheel size of my car for some of the brands, and I ended up taking Michelin Energy XM2 Plus to be the replacement.


When looking for new tyre, I look for the following 4 criteria: cost, comfort, performance and lifespan.

Cost

This Michelin Energy XM2 Plus costed me RM200 each (including installation), which is within my budget.

There are of course better tyres with higher cost, which are beyond my selection.

Comfort

This Michelin Energy XM2 Plus is apparently softer than the stock Goodyear Excellent. The car is now less stiff when crossing road bumps, and also less road noise produced when running on the road, especially on cemented road.

Performance

Handling and traction is pretty good. Braking is very responsive. I haven't tried braking on water surface yet, as there is still no raining since I changed the tyres.

Lifespan

This tyre is made with full silica thread compound, which is said to have longer lifespan than rubber tyres. It is advertised to be able to last for over 100,000km mileage. Michelin provides a 6 years manufacturer warranty to it.

This means that as long as it is not poked by nail or damaged by accident, I can expect to use it for many years.

All in all, I am pretty satisfied with this Michelin Energy XM2 Plus tyre. It is value for money and performing up to expectation.


Tuesday, February 25, 2020

Boost x Prudential free special COVID-19 life insurance coverage

Boost e-wallet has just launched a "Boost Cares for you" campaign to provide free special COVID-19 life insurance coverage by Prudential, made available to Boost Premium e-wallet users who enrolled for it in their app.

This free COVID-19 insurance coverage is eligible to Boost users who are:

  • having Premium e-wallet with verified personal details.
  • aged between 18 to 55.
  • limited to the first 200,000 enrolments only.
The coverage will start from the date of successful enrolment until 30 April 2020. The coverage is funded by Boost and free for members who successfully signed up for this campaign.

To sign up, open Boost app, then tap on the Boost (second) icon on the top menu, tap on More, scroll down the page to Insurance section, and select COVID-19 with the Prudential logo. Then, accept the terms & conditions and submit for processing.



The coverage of this special COVID-19 life insurance include:
  • RM1,000 payout to your family upon death (all death reasons are covered, except suicide)
  • RM5,000 coverage upon diagnosis of COVID-19


You will be entitled to this coverage despite having an existing medical condition.

For existing Prudential insurance policy holders, if you are already covered for the special RM5,000 COVID-19 coverage under Prudential insurance, you cannot claim double with the COVID-19 coverage under this Boost campaign.


Monday, February 24, 2020

Upgraded my Bacfree BS-1 drinking water filter element from Swiss-Tech to pH-Tech

I have been using Bacfree drinking water filter for more than a decade and it is still functioning very well.

All the years, I had been using Swiss-Tech filter element, which I would replace with a new one after using it for more than a year.

This time, I decided to upgrade the filter element to pH-Tech, because I found out that there is not much price different between Swiss-Tech and Multi-Tech, and that the Multi-Tech is selling at the same price with pH-Tech.

The differences among Swiss-Tech, Multi-Tech and pH-Tech is summarized in the table below:


Basically, Multi-Tech has all the functions of Swiss-Tech, plus an additional function to remove Chloramine in the water. You can read about the danger of Chloramine to our body and health here.

Chloramine can be removed from the water by boiling it for more than 20 minutes. However, my family has been drinking water directly from the Bacfree water filter over the years!

pH-Tech has all the functions of Multi-Tech, plus additional mineral stones to make the water slightly alkaline, and convert the water into mineral water.

When I installed my Bacfree drinking water filter many years ago, Swiss-Tech was the best filter element available, and there were some other filter elements with less functions, which now Bacfree has stopped selling.

Now that I have discovered the availability of pH-Tech filter element, and its price is pretty close with Swiss-Tech, there is no doubt for me to upgrade my Bacfree filter element to pH-Tech from now onwards.

Saturday, February 22, 2020

EPF declared 5.45% (conventional) / 5.00% (shariah) dividend for 2019

The Employees Provident Fund (EPF, a.k.a. KWSP) has just declared the dividend rate for financial year 2019.

For year 2019, the dividend declared for conventional account is 5.45% while for Shariah account is 5.00%. The dividend has already credited into members' account, and you can check for it by login into your EPF i-Account.

Year 2019 was the third year of dividend declaration for Shariah account, while dividend for conventional account has been declared annually since 1952. The dividend for Shariah account in all the years from 2017 to 2019 were lower than the dividend for conventional account of the same year.


The 5.45% dividend for EPF conventional account in 2019 is 11.38% lower than the 6.15%  dividend declared for 2018 (last year).

Calculation: (5.45-6.15)/6.15 = -0.7/6.15 = -11.38%

It is 9.00% higher than the 5.00% Shariah dividend declared for the same year.

Calculation: (5.45-5.00)/5.00 = 0.45/5.00 = 9.00%

The table below shows the historical EPF dividend payout rate since 2001, for you to judge yourself whether the dividend payout rate in 2019 is satisfactory or not.



Tuesday, February 18, 2020

Auspicious dates for opening business in 2020

Here is the list of auspicious dates for opening business in year 2020, which is produced based on the Chinese almanac Tong Shu.

It can be applied to new business opening, or reopening of business after a break/holiday. (Click the image to enlarge)


Bear in mind that although the Tong Shu is a compilation of Chinese astrology and calendaring studies gathering wisdom of thousands of years, we should use it wisely and rationally, but not be too superstitious on it.

You might probably also be interested with the auspicious dates for the following occasions in year 2020:

Auspicious dates for renovation in 2020

Here is the list of auspicious dates for home or office renovation in year 2020, which is produced based on the Chinese almanac Tong Shu. (Click the image to enlarge)


Bear in mind that although the Tong Shu is a compilation of Chinese astrology and calendaring studies gathering wisdom of thousands of years, we should use it wisely and rationally, but not be too superstitious on it.

You might probably also be interested with the auspicious dates for the following occasions in year 2020:

Auspicious dates in 2020 for signing contract, register for marriage, etc.

Here is the list of auspicious dates in year 2020 for signing contract, signing offer letter, register for marriage, receiving religious baptism, and other similar agreement-related activities.

It is produced based on the Chinese almanac Tong Shu. (Click the image to enlarge)


Bear in mind that although the Tong Shu is a compilation of Chinese astrology and calendaring studies gathering wisdom of thousands of years, we should use it wisely and rationally, but not be too superstitious on it.

You might probably also be interested with the auspicious dates for the following occasions in year 2020:

Monday, February 17, 2020

Auspicious dates for marriage proposal or engagement in 2020

Before becoming the life partner, marriage is proposed by lover and engagement is made.

Here is the list of auspicious dates for marriage proposal or engagement in year 2020 (year of Rat), which is produced based on the Chinese almanac Tong Shu. (Click the image to enlarge)


Bear in mind that although the Tong Shu is a compilation of Chinese astrology and calendaring studies gathering wisdom of thousands of years, we should use it wisely and rationally, but not be too superstitious on it.

You might probably also be interested with the auspicious dates for the following occasions in year 2020:

Auspicious dates in 2020 for getting a baby / childbirth / Caesarian delivery

Here is the list of auspicious dates in 2020 (year of Rat) for getting a baby (求嗣), which is produced based on the Chinese almanac Tong Shu.

The dates have good element(s) to embro/faetus. Traditionally, the dates are referred for conception planning (making love and expecting a baby to the family). Nowadays, people also make reference to them for Caesarian delivery of new born. (Click the image to enlarge)


Bear in mind that although the Tong Shu is a compilation of Chinese astrology and calendaring studies gathering wisdom of thousands of years, we should use it wisely and rationally, but not be too superstitious on it.

You might probably also be interested with the auspicious dates for the following occasions in year 2020:

Sunday, February 16, 2020

Auspicious dates for moving to new house / office in 2020

Here is the list of auspicious dates for moving to new house/office in year 2020, which is produced based on the Chinese almanac Tong Shu. (Click the image to enlarge)


Bear in mind that although the Tong Shu is a compilation of Chinese astrology and calendaring studies gathering wisdom of thousands of years, we should use it wisely and rationally, but not be too superstitious on it.

You might probably also be interested with the auspicious dates for the following occasions in year 2020:

Auspicious dates for wedding / marriage in 2021

Many couples plan for their wedding more than 1 year ahead in order to have sufficient preparation time.

Here is the list of auspicious dates for wedding/marriage in year 2021 (year of Cow), which is produced based on the Chinese almanac Tong Shu. (Click the image to enlarge)


Bear in mind that although the Tong Shu is a compilation of Chinese astrology and calendaring studies gathering wisdom of thousands of years, we should use it wisely and rationally, but not be too superstitious on it.

If you are looking for auspicious dates for wedding / marriage in 2020 (year of Rat), click here.

Adjustable undercarriage base with wheels to raise up washing machine, dryer, fridge, etc.

I was looking for a cheap and good solution to raise up my washing machine so that it can drain water out more completely into the drain hole on the floor, which has a portion risen on top of the floor, as shown below.


And I have found this adjustable undercarriage base with wheels to raise up wachine machine, dryer, fridge, etc. which really fit to my need. In fact, its feature exceeds my expectation, as it also comes with pretty good quality wheels which can be locked (fix on the location) and unlocked (make it movable).


Now, you can see that both my washing machine and dryer are lifted higher from the floor with this undercarriage base. With the wheels, I can also easily move them around, to clean the floor area under them.

This undercarriage base's width and length is adjustable, to fit for different size of washing machine, dryer, fridge, etc. placed on top of it. It is advertised to be able to hold a maximum load of 250kg.

Illustration taken from vendor's online store in Shopee

To assemble the base, you will need a screwdriver to install the wheels onto the base. You will also need a hammer to be easier to adjust its width and length, and to install the stoppers to fill up the gap between the stainless steel metal bar and the plastic base, to firm up the adjusted length and strengthen the connection points.

Friday, February 14, 2020

Register for mySalam free national health protection insurance

The mySalam national health protection scheme is an initiative started by the Pakatan Harapan Government that aims to provide B40 and M40 citizens with free takaful health insurance protection.


You are eligible to online register for the mySalam national health protection scheme if you are inside one of the following categories:
  • Bantuan Sara Hidup (BSH) recipient, married, age between 18 and 65 (both inclusive).
  • Bantuan Sara Hidup (BSH) recipient, single, age between 40 and 65 (both inclusive), yearly income less than RM24,000.
  • Bantuan Sara Hidup (BSH) recipient, OKU, age between 18 and 65 (both inclusive), yearly income less than RM24,000.
  • Non-BSH recipient, yearly income less than RM100,000.
Basically, if you have already received your e-Tunai Rakyat 2020, there is very high possibility that you are also eligible for this mySalam national health protection scheme.

This Scheme covers 45 types of critical illnesses and provides an income replacement of RM50 per day for a maximum of 14 days, or RM700 per annum, to those who are hospitalized at government, university or military hospitals.

Registered BSH recipients will receive a one-time RM8,000 cash payout upon diagnosis of one of the 45 Critical Illnesses, while non-BSH recipients will receive RM4,000 cash payout instead.

All registered citizens under this scheme will also receive RM50 daily hospitalization income replacement up to RM700 per annum at any government, military or university hospitals. This include hospitalization to receive treatment of the Covid-19 virus.

You can click here to find out what are included in the list of 45 critical illnesses covered under this scheme.

To register yourself for the scheme, click here before the deadline of 31 March 2020.

Thursday, February 6, 2020

PTPTN announced 2019 dividend for SSPN-i and SSPN-i Plus

The Malaysia National Higher Education Fund (Perbadanan Tabung Pendidikan Tinggi Nasional, PTPTN) has just announced dividend for year 2019 for the education savings schemes SSPN (Skim Simpanan Pendidikan Nasional, consists of SSPN-i and SSPN-i Plus) on 5 February 2020.

The 2019 SSPN dividend payout rate is 4%, amounting to RM147.25 million. This rate is the same as previous payout for 2015-2018.

This 4% dividend will be created into our SSPN accounts respectively on 8 February 2020.

On top of that, there is a good news for SSPN-i accounts opened in 2017 or earlier. These SSPN-i accounts can get an additional 1% bonus for new deposit made, which will be paid within this year, as long as they make new deposit of at least RM500 into the account between 5 February 2020 to 30 April 2020, and there is no withdrawal of money from the account during the campaign period. The maximum bonus to be paid for each account is RM8,000.

In 2019, the amount of deposits in  SSPN was RM1.37 billion, with 455,952 new accounts opened by depositors.

According to PTPTN, the number of SSPN accounts opened to date is 4.39 million.

Historical SSPN-i dividend payout rate is as below:

  • 2019: 4.00%
  • 2018: 4.00%
  • 2017: 4.00%
  • 2016: 4.00%
  • 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%

You can proceed to the Online SSPN-i Statement of Account website to check the transactions and amount of savings in your kid's SSPN account.


You are also highly encouraged to read about Online paying PTPTN / SSPN-i with credit card through Boost.

Monday, February 3, 2020

Install invisible safety grille at windows, balconies, yards, etc. for high rise buildings

I have just engaged with KL Invisible Grille (KLIG) to install invisible safety grille at the windows of a service apartment unit.


Invisible safety grille is just like a wire mesh or netting fence, except that it is customized to the installation area and constructed on site, precisely and firmly attached to its base. The construction of this invisible safety grille is similar to the way of doing racquet stringing.

To make it looks nicer, you can choose to only construct with vertical cables but without horizontal cables, or to construct with horizontal cables without vertical. In this way, it will look something like a harp. You can also increase its safety level by constructing both ways to make it like a racquet stringing.

(Photo from KLIG's Facebook page)

The invisible safety grille really looks invisible when viewed from some distance (a few meters) away and will not cause distraction to the beautiful scenery outside the building.

The main purpose of installing invisible safety grille is as a measure of safety to prevent people (especially toddlers and children), domestic pets, objects, etc. from falling out of the building.

Although the cable used is pretty strong and durable, with a breaking force of up to 900kg, it can be cut by metal cable cutter by exerting strong force. The good point of this is that the grille will not block fireman equipped with special cutting from rescue mission in case of emergency. The bad point is that it is more vulnerable to burglar and thieve who have the metal cutter and trying to enter the premise from the window.

The process began with a free onsite measurement to the areas of installation. The quotation is based on actual installation coverage area in square feet units.

Then, a deposit is paid and their workers will come for installation. It takes about 10 hours to complete the invisible safety grille installation for all the windows in my service apartment unit.

Since the installation involved drilling, there will be some minor touch up to the wall needed after the installation. The workers performed the touch up filling and repainting with white base paint to the affected places. They also cleaned up the floor, before leaving.

The warranty period will depend on the selection of cable material to be used. There are 3 types of cable for selection:
  • 316 stainless steel cable - 15 years material warranty. Thicker.
  • Nanotechnology Teflon coated cable - 15 years material warranty. Thinner.
  • Nylon coated cable - 3 years material warranty. Thinner but not as durable as the other 2 types above.
You might be surprised that the installation price of invisible safety grille is actually much more cheaper than traditional metal bars grille. For example, the installation cost of the single panel window below is less than RM200.


As such, invisible safety grille is highly recommended to be installed for windows, balconies, yards, etc. of high rise buildings that is very difficult to climb in from outside, to prevent people, pet, object, etc. from dropping out of the building. The cables are as fine as 2.0 millimeter only, which will be seen as invisible and will not block the scene when viewed from some distance away.

If you play it like a harp, the cables can actually produce some nice sound. But unless the cables have different length, the sound produced by each of the cables is pretty monotonous.

Friday, January 31, 2020

Investing in non-listed growth company via equity crowdfunding

Equity crowdfunding (ECF) is something new but yet not so new in Malaysia investment market.

It provides a Securities Commission regulated platform that allows start-up companies and SME to get new capital fund through small equity investments from the public crowd by using approved online platform.

On the other hand, it provides a governed platform that allows general public to gain access to invest in share equity of non-listed companies that are on the growing track, and has the potential to become a unicorn that brings in multi-fold returns.

Previously, investment in such early stage equities of those non-listed companies is a privilege to sophisticated investors (a.k.a. rich people with millions of personal investment fund), private equity funds, angel funds, etc. Equity crowdfunding enables ordinary retail investors to participate in investment to those companies with a more affordable, smaller amount of money, as low as a few hundred ringgit.

The main advantages, which are also the disadvantages at the same time, of ECF are that:

  • The selling price of the new shares issued during a crowdfunding campaign is fixed. Even though it might be very hot-selling, the price will not go up, and even though it might be having very few investors, the price will also not go down. The price is also not affected by general investment market sentiment, or socio-political affairs. This is of advantage to the investors, as the price is solely based on fundamentals. Major events such as Wuhan virus outbreak will not shaken the offering price.
  • The shares purchased (regardless ordinary shares or preference shares) are not volatile and quite hard to resell to the other investors, until the company is public listed or there is big fund that makes offering to buy the shares from existing shareholders.

Today, there are altogether 10 Securities Commission approved equity crowdfunding platforms. Those platforms are tasked as a middleman to help start-ups or SME wanting to finance their business growth through equity crowdfunding by issuing new shares to reach their investors crowd, at the same time to help the investors to perform preliminary filtering and due-diligent to the companies to ensure their pitching and information provided are genuine and meet certain level of integrity.

Among the 10 approved ECF platforms in Malaysia, Crowplus is the first mover, but it seems that they had not gained much advantage of being the first mover. PitchIN is a market leader whereby many companies who seek for ECF and also many investors who want to look for non-listed growth companies investment are putting their trust on PitchIN. MyStartr has been an aggressive challenger that has gained traction in the Chinese speaking community beside the English speaking community.

MyStartr just launched their ECF platform in December 2019. So far, there are 2 successfully funded companies while others are on their way to reach their minimal funding target.


The first successfully funded company is Biztory which raised more than a million ringgit capital through ECF on MyStartr, and they did it within a very short period of 8 days only. Currently, funding activity of this company in MyStartr has stopped.

The second successfully funded company is Rtist, which already raised more than their minimum target of RM200,000. Currently their funding activity in MyStartr is still ongoing towards their ultimate target of 1 million ringgit. Therefore, you can still participating in their growth by becoming one of their minority shareholders through ECF, and you can make your investment there by using your credit card. The Rtist ECF closing date for this round is set on 15 February 2020.

Saturday, January 25, 2020

Interest rate reduced, bond price to rise further

Bank Negara Malaysia (BNM) has just reduced the overnight policy rate (OPR) by 25 basis points from 3.00% to 2.75% on 22 January 2020. This is back to the rate 9 years ago at 2011.

Below is the chart of historical OPR rate over the years.


In general, a reduction in interest rate will have a positive impact to bond price (and therefore, the bond funds as well), and vice-versa. OPR and bond price are having an inverse relationship to each other.

This is because most of the bonds are paying fixed interest rate. When the general financial interest rates fall, the bond's fixed interest rate will become more attractive to investors; when the general financial interest rates rise, the bond's fixed interest rate will, in turn, become less attractive.

The Opus Income Plus Fund (IPF) has been performing pretty well recently (refer to the chart below). The reduction in OPR is expected to further boost up its performance.


Click here to learn about how to invest in Opus IPF with 0% sales charge.



Wednesday, January 22, 2020

Sciener A2F fingerprint smart digital door lock

Locks and keys have been used for decades to safeguard access to the door, for those with the valid key to unlock it only.

Traditional mechanical locks to lock/unlock with physical keys work great. However, their main disadvantages include:

  • Inconvenience for the necessity to carry the key.
  • The key can be duplicated.
  • The key could be lost, stolen or seized. Anyone with the key can lock/unlock the door.
  • The lock could be picked open by using special tools, without using the key.

Typical smart digital door lock is in fact a mechanical lock, with digital keys (well, there is another type of electromagnetic lock with digital keys too). Its main advantages include:
  • Not necessary to carry physical key.
  • Each person can be assigned a unique key, which enable tracing of who has used the key to unlock the door, by what time.
  • Key can be easily generated, and also revoked, by using software method.
  • Key could be replicated to multiple devices belong to the same authorized person.
  • Time based (the key can only be used during certain time period) or event based (the key can only be used once) access control is possible.

Digital key can be in the form of:
  • Biometric: fingerprint, palm, face, iris, voice, vein, ...
  • Passcode
  • Digital signature key pair
  • ...

And the data transmission methods between the key and the lock can be of:
  • Physical contact - fingerprint, palm, vein, ...
  • Computer vision - face, iris, QR code, ...
  • Voice recognition - voice
  • RFID
  • NFC
  • Electromagnetic wave - Infrared, Bluetooth, WiFi, ...
  • ...

The Sciener A2F fingerprint smart digital door lock is a product that combines security and convenience. It supports multiple unlock ways, including:
  • Fingerprint
  • Smartphone app unlock (eKey)
  • Smart watch (eKey)
  • Passcode
  • RFID card (touch access card, wristband, MyKad, Touch n Go card, credit card, debit card, other brand's RFID access card)
  • Physical backup key (for emergency purpose)
  • Smart speaker voice assistant command control (require WiFi Gateway module)
Sciener lock management functions - including assigning new key, key revocation, key management, key usage monitoring, user management, lock behavior setting, etc. are all done using the Sciener Smart Lock app available for free download in Google Play Store and Apple App Store.


The Sciener A2F fingerprint smart digital door lock has a pretty elegant and modern look, adding aesthetic to the door.


It is operated with 4 AA size batteries. Its battery consumption is pretty low, and the batteries in it can last for many months. The battery compartment is located at the lock behind the door, with a single button to open its cover.


The electronic components inside the Sciener smart digital door lock is illustrated as below.



(Picture from Sciener's website)

The Sciener app communicates with the lock using Bluetooth. Communication between the app and the lock is encrypted using Advanced Encryption Standard (AES) algorithm. The smartphone running the app needs to be near to the door lock (within Bluetooth communication range of 10 meters) for most of its function to work.

Optionally, the app can also communicate with the lock through Internet via a Smart Gateway module. In this way, you can use the app to access to the lock from anywhere, by using Internet connection.

After a new lock is installed, it needs to be paired with a user registered with Sciener. The user is identified by email address and/or phone number, and the user account is stored in Sciener's cloud database. The user info is automatically synchronized between the Sciener cloud and the mobile app login with a valid account.

That first user will automatically become the Authorized Admin to the lock, which has full access to all its functions and settings. The Authorized Admin can appoint other users as Authorized Admin to co-manage the lock. He can also revoke the Admin rights of the other Authorized Admin.

In the event when the property is sold to another person, the Authorized Admin can transfer the ownership of the lock to another user.

The lock has an internal clock, which when its time is synchronized with the smartphone clock of its Authorized Admin, the admin can use his Sciener app to generate new passcode or send eKey to other users to unlock the door, at any time and any place, even without the need of communicating with the door. The clock, settings and records of the lock will be synchronized with the admin's Sciener app from time to time, whenever they are connected with Bluetooth (i.e. when the admin's smartphone is at home with Bluetooth turned on to communicate with the door lock).

Sciener eKey and passcode can be created with the following time limit settings:
  • Permanent - can be used all the time until revoked.
  • Timed - valid from a defined start date and time until a defined end date and time.
  • One time - can be used to open the door once only.
  • Recurring - can be used within a time period during the defined day of week (e.g. every Monday only, every weekends only, etc.)
The passcode is automatically generated, but can also be manually changed to a number that can be easily remembered. Changing to manually created passcode need to be done near the lock with Bluetooth connection.

For fingerprint and RFID access, it can be:
  • Permanent - can access all the time until revoked.
  • Timed - can access from a defined start date and time until a defined end date and time.
All the door unlock records are stored in the lock, and the admin can view the records in his Sciener app.

With these multiple ways of flexible keys assignment to multiple users, Sciener A2F fingerprint smart digital door lock is very suitable for use in:
  • Family
  • Office
  • Shop
  • Rented residence
  • Short stay
  • Airbnb / homestay
  • Hotel
  • ... any other places you can think of
You can unlock the door even without carrying anything (by using fingerprint, or punching passcode at the lock's keypad) or by using your smartphone, smart watch, RFID card, etc.

The lock admin settings that can be configured in the Sciener app including:
  • Changing the default admin passcode used to unlock the lock.
  • Allow/disallow the lock to be unlocked remotely via the WiFi Gateway. When this is configured properly, you can even open the door using Sciener app when you are far away from home.
  • Set the timer for the lock to auto-lock itself after unlock, in any seconds.
  • Set the time period when the lock will be auto unlocked by itself - the Passage Mode. This is useful for shop or office environment to allow general access during day time, and keep the door locked during night time.
  • Set the lock to feedback with sound when operated, or be silent.
  • Synchronize the clock of the smartphone with the lock.
  • Retrieve records from the lock to the smartphone.
  • Perform lock firmware update. 


Sciener app is designed to be very flexible. A single app login with a single user is able to paired with multiple Sciener locks. You can also create grouping to the locks for easier maintenance. Each of the locks will have a user definable name for identification.

Note that certain digital door lock can be easily hacked and unlocked with a small device called Tesla Coil black box. Being an industry leader, Sciener is aware of this and their locks, at least the latest version of their locks, are immune to Tesla Coil attack.

Another common security concern is brute force trial-and-error on the passcode. Sciener lock's keypad is designed to stop working for a period of time after 5 attempts of wrong passcode entry. while the keypad is temporarily locked, the lock can still be opened by using other methods such as fingerprint, RFID card, physical key, etc. This makes the lock hack deterrence and yet fool proof.


Hint: Click on the "Older Posts" link to continue reading, or click here for a listing of all my past 3 months articles.