Saturday, April 8, 2023

PTPTN finally announced 2022 dividend for SSPN-i and SSPN-i Plus

After a long waiting, the Malaysia National Higher Education Fund (Perbadanan Tabung Pendidikan Tinggi Nasional, PTPTN) has finally announced the dividend for year 2022 for the education savings schemes SSPN (Skim Simpanan Pendidikan Nasional, consists of Simpan SSPN Prime which formerly known as SSPN-i, and Simpan SSPN Plus which formerly known as SSPN-i Plus) on 5 April 2023.

The 2022 SSPN dividend payout rate is only 3.05%, amounting to RM266.17 million. This rate is just 0.05% higher than last year disappointing dividend of 3.00%.

This 3.05% dividend has already credited into our SSPN accounts respectively on 6 April 2022.

According to PTPTN, the number of SSPN accounts opened to date is 5.73 million.

Historical SSPN-i dividend payout rate is as below:

  • 2022: 3.05%
  • 2021: 3.00%
  • 2020: 4.00%
  • 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 new MyPTPTN website to check the transactions and amount of savings in your kid's SSPN account.

Beside that, the Ganjaran Kesetiaan Simpan SSPN Prime 2023 campaign is now launched and active until 30 April 2022. You can enjoy a 1% return for new money exceeding RM500 that you put into your account during the period, provided that the SSPN account you opened for your kid's education saving is before year 2020, and no withdrawal of any money from your account from 5 April 2023 onwards until 30 September 2023. Maximum amount to be given under this campaign would be RM8,000 per account.


Sunday, March 19, 2023

Upgraded my CyberPower UT800EG UPS with APC BV1000I-MSX 1kVA/600W Easy UPS

My CyberPower UT800EG 800VA/400W UPS has been serving me well for more than 3 years, and it is still functioning well.

It has never failed to protect my Dell XPS 8930 desktop, my Asus RT-AX86U router and Unifi BTU from sudden blackouts and also voltage spikes during thunderstorms.

Anyhow, I anticipate its internal battery, which is not user serviceable, has already reached more than half its lifespan.

Not to take the risk, I decided to get a new UPS, and I found this APC BV1000I-MSX 1000VA/600W Easy UPS as its upgrade.


This APC BV1000I-MSX Easy UPS has 4 universal power outlets (the CyberPower UT800EG only has 3), and it has a larger capacity of 1000VA/600W which is able to provide longer battery runtime. It also has a higher surge suppression rating of 156 Joules (compared with CyberPower UT800EG's 125 Joules).


While transporting, its battery stays disconnected. Before use, we need to connect its battery by using its yellow coloured battery connector at its back. Detailed instruction is available in its user manual.

Same with CyberPower, this APC UPS also comes with 2 years warranty, which registration can be made online.

I have reallocated my CyberPower UT800EG UPS to my living room to provide power protection for my TV, IPTV box and cordless phone.

Even though its battery might run flat in the next 2-3 years time, I think it can still serve as a good AVR to protect those appliances in my living room.



Thursday, February 16, 2023

Honor MagicBook 16 well-worth laptop suitable for work and study

During the recent Chinese New Year online promotion period, I discovered that the Honor MagicBook 16 laptop has its selling price dropped to RM29xx. (This promotion is still available in some of the online shops, including the Honor official website, now at a slightly higher price of RM2999 and lesser free gift, until the end of February 2023)

I remember when it first launched last year, its initial selling price was at RM4299.

Without much hesitation, I have bought one with 18 months credit card interest-free instalment of RM163.68 per month, which does not affect much on my personal finance cashflow. I believe at this time, you can't find another new laptop with built-in 16GB RAM 512GB SSD and high performance CPU at such a value-for-money price.


I have recorded down a comprehensive list of specifications of this laptop, as detail as possible, as follow (click the image to enlarge it):


The information above is obtained by running several diagnostic applications on my laptop. I believe it is the most detailed one you can find in the Internet. Even Honor official website also not providing as much detail about this laptop.

The specifications are based on my Malaysia official set of Honor MagicBook 16. The same model of laptop sold in other regions might have a slightly different specs.

I have highlighted the background of the items in green for high specs, yellow for medium specs, and pink for normal specs. From there, you can see that this is a relatively good laptop with some nice components inside.

This kind of specs is commonly found in the flagship laptop during 2021. Now in 2023, the latest version of some of the components might be one or two generations ahead of this laptop, as indicated in the last column of the table above. Anyhow, none of the components of this laptop is deemed outdated, and it can still be used for several years without much performance or compatibility issue. In short, this laptop is future-proof!

This laptop comes with a high-spec AMD Ryzen 7 5800H CPU, which is comparable with the Intel Core i7-11800H CPU. The performance of its built-in Radeon RX Vega 8 GPU is comparable with the standalone NVIDIA GeForce GT1030 GDDR5 version.

The chart below provides information on how to decode the AMD Ryzen CPU and determine whether it is of high performance, mid-range or low-end.


The laptop screen has a mixture of good and normal features. It has excellent colour gamut, game-level high refresh rate, and certified low blue light treatment. It also has above-average contrast ratio and brightness. However, it has ordinary screen resolution, PPI and view angle. Therefore, its screen is excellent for work and study, but might be a bit lacking for professional graphics/video designers.

One thing I like about this laptop is its WiFi AX support of connection speed up to 1.2Gbps. This speed is even higher than what the UTP Cat6 network cable can deliver.


My laptop comes with several free gifts. The most worthy one is 1 year subscription of Microsoft 365 Personal worth hundred over ringgit in the market. It comes in a sealed genuine envelop, which you can resell to others if you don't intend to use it. It also comes with a wireless mouse and a backpack, which you can use or sell to others. The market value of the mouse should be less than RM100, same to the market value of the backpack.

All in all, this is a relatively high-performance laptop with relatively new specs, no problem in handling the usage for work or study. However, it does not come with a standalone GPU, and might not be so ideal for heavy gaming or multimedia rendering.

In China market, and possibly some other regions but not Malaysia yet, there exist another model with almost the same specs and with GPU as well, called Honor MagicBook 16 Pro. That laptop comes with an NVIDIA GEForce RTX3050 display card, make it powerful enough to also handle gaming and multimedia rendering needs.

What I like about this laptop:
  • Solid and classy casing with nice professional-looking colour.
  • Big screen but light weight, good for reading document and/or working with multiple windows on the screen.
  • Less harmful and less lethargic to your eyes, thanks to its high refresh rate and low blue light treatment.
  • Its camera is located on top of the screen (unlike previous models of Huawei/Honor laptops with camera on the keyboard)
  • You can share its charger with your handphone. When travelling, this allows you to bring fewer chargers in your luggage.
  • It supports supercharging which can charge up its battery very fast.
  • It's speakers can produce pretty good sound, after tuning with Nahemic tuner.
  • It's mic is echo-cancelling and noise-suppressing, nice to use for conference calls.
  • It can establish handy connection with your handphone, with features slightly better than Windows Phone Link.
  • It has a fingerprint reading on/off switch, which is very convenient to use.
  • It has a 4-points touchpad, which you can configure its touch gestures in Windows 11.

What I dislike about this laptop:

  • It has a relatively short battery usage life of 8~10 hours only. Would be perfect if its battery can sustain for 12 hours and above screen on time.
  • Its screen resolution is at normal 1080p. Would be nice if it is 1440p or 2k.
  • Despite its 16 inches size, its keyboard does not come with numeric keypad on the right.
  • Its built-in camera is just normal. If you want high resolution, wide-angle, multi-focus and other more advanced features, better buy a webcam.
  • It has a normal non-touch screen. You cannot write, sign or draw on its screen.
After all, you can't expect to get all the nice features in a laptop selling at price below RM3k, right?


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