Bank Negara instructed credit card issuers to use payment received to settle highest interest rate item first. But...

Bank Negara has issued new guidelines to be implemented from 1 October 2011, requiring all credit card issuers to use payment received to settle highest interest rate item first.

Generally, Malaysian credit cards interest rates per annum of retail transaction range between 13.5% to 17.5%. Cash advanced rate can be as high as 18% per annum. Balance transfer rate ranges from 0% to 18% per annum. Interest rate of instalment payment plan also ranges from 0% to 18% per annum.

Let's say in a particular month, your credit card balance is as follow:

Retail transactions with interest @ 16% p.a. = 2000
Balance transfer instalment @ 0% p.a. = 500

If you pay 1000 for that month:

• In the worst case scenario, 500 of your payment is used to offset the balance transfer instalment, and only the remaining 500 be used to offset the retail transactions with 16% p.a. interest.
• In the best case scenario, 1000 of your payment is used to offset the retail expenses, and none will be used for balance transfer instalment.

However, the best case scenario for this month might not be good to the card holder, if the bank consider the balance transfer instalment be defaulted and charge a hefty 18% p.a. interest rate thereafter. The only way for the card holder to maintain the 0% balance transfer rate is to pay the monthly credit card charges in full until the balance transfer instalment is settled.

I believe Bank Negara should have think of this kind of scenario, and the guidelines should be comprehensive to ensure card holders are charged with the lowest possible interest charges for current and also subsequent months. Otherwise, scenario like the above might form a trap, causing the card holders end up need to pay even more interest.

Wireless antenna technology: SISO, SIMO, MISO and MIMO

The wireless data transmission system consists of 2 parties: the transmitter and the receiver, whereby data is transmitted into the air from the antenna of the transmitter and received by the antenna of the receiver.

In a Single Input Single Output (SISO) system, both the transmitter and the receiver have one antenna, and data transmission over the air is through a single radio frequency (RF) signal chain.

An example of SISO type of wireless is Bluetooth.

Multiple antenna technique has been developed to improve wireless performance.

In a Single Input Multiple Output (SIMO) system, there is one antenna at the transmitter side and multiple antennas (each with an RF chain respectively) at the receiver side.

In a switched diversity or selection diversity implementation, the receiver chooses the best antenna to receive a stronger signal from the transmitter. In a maximal ratio combining (MRC) implementation, the receiver combines signals from all its antennas so that to maximize the Signal to Noise Ratio (SNR).

The Multiple Input Single Output (MISO) system is the other way round, with multiple antennas (each with an RF chain respectively) at the transmitter and a single antenna at the receiver.

A technique known as Alamouti Space Time Coding (STC) is employed at the transmitter with 2 antennas, allowing the transmitter to transmit signals both in time and space. This means data is transmitted by the 2 antennas at 2 different times consecutively.

Multiple Input Multiple Output (MIMO) system is commonly used in today's wireless technology, including 802.11n WiFi, WiMAX, LTE, etc. Multiple antennas (and therefore multiple RF chains) are put at both the transmitter and the receiver.

A MIMO system with same amount of antennas at both the transmitter and the receiver in a point-to-point (PTP) link is able to multiply the system throughput linearly with every additional antenna. For example, a 2x2 MIMO will double up the throughput.

Spatial Multiplexing (SM) technique is used in MIMO to enable signal  to be transmitted across different spatial domains. This is used  to provide additional data capacity.

Therefore, when buying a Wireless-N access point or router, to get a stabler WiFi with higher bandwidth, look for those that support MIMO and with more antennas.

Acknowledgement: the above diagrams are taken from the Radio-Electronics.com website.

Using NetSetMan to change Windows network settings with a single mouse click

If you are using a laptop, you must have faced the problem of having to manually adjust the network settings to connect to the network (either LAN or WiFi) in different places. This is really a tedious thing, isn't it?

Although many places make use of DHCP to automate the IP address assignment (so that you are free from the hassle to manually set the IP address, subnet mask, gateway IP, etc.), you might probably still need to do some adjustment to some other settings, such as the SMTP email server, the DNS server, the default WiFi AP you want to connect with, the default printer, etc. Worse still, there are places that don't make use of DHCP server, and you have to manually change the network settings, especially the IP address, subnet mask and gateway IP, in order to connect and use the network there.

For example, the DHCP server might assign you with the ISP's DNS servers, and you prefer to use Google's DNS servers instead. In some other places, you cannot use Google's DNS servers because the firewall might have blocked DNS request to WAN, and you have to use their internal DNS server.

I found NetSetMan to be a very handy tool allowing you to quickly change your Windows network setting with just a mouse click to connect to the network in different places. It lets you pre-configure the network settings and save them in different profiles. By switching the profile, all the pre-configured settings will be switched over accordingly.

NetSetMan is free for personal non-commercial use. The free version lets you set up to 6 network profiles, while the Pro version lets you set unlimited profiles.

You can customize the settings in each profile for:

• IP address (to use DHCP or manual setting)
• DNS servers
• DNS domain
• WINS servers
• Default WiFi AP
• Default printer
• Network adapter status (activate, deactivate or restart)
• Your PC name
• The workgroup / domain to join
• SMTP server for email sending
• Network drive mapping
• Browser homepage and proxy setting
• Local "host" file setting for mapping domain names with IP addresses. Normally the setting in this "host" file will supersede the DNS result
• IPv6 settings

NetSetMan also allows you to run Windows script before and/or after a profile is changed.

It also has feature to allow you to copy-and-paste profile settings from one to another. This is handy to create a new profile where most of the settings are the same with the existing. You just need to make a copy, and modify those settings that need to adjust with.

The relationship between multi-storey building floor number and the 5 elements of Feng Shui

Nowadays, multi-storey or high rise building is everywhere in urban areas.

You might live in multi-storey building, and you might also work in multi-storey building.

Do you want to know the relationship between multi-storey building floor number and the 5 elements of Feng Shui? With that, you can find out how compatible is the floor you are staying with your own element.

Note that in Chinese floor naming convention, the 1st Floor is the floor that is same level with the ground, which might be known as Ground Floor in certain places. The 2nd Floor is the floor above 1st Floor, which might be known as 1st Floor in buildings that start with Ground Floor.

Before we proceed, please keep in mind that we are using the Chinese floor naming convention here, so do your own adjustment if your building's naming convention is different.

To determine the element of the floor, we look at its last digit. Therefore, 1st Floor, 11th Floor, 21st Floor, 31st Floor, 41st Floor, ... all have the same element. The same concept applies to 2nd Floor, 12th Floor, 32nd Floor, ... and so on. (Remember: use the Chinese floor naming convention!)

And here is the associated elements:

• Water: 1, 6
• Fire: 2, 7
• Wood: 3, 8
• Metal: 4, 9
• Earth: 5, 10

There is also a mapping between the 5 elements and your Chinese Zodiac animal. Your Chinese Zodiac animal is determined based on your year of birth. The mapping is as follow:

• Water: Rat, Boar
• Fire: Snake, Horse
• Wood: Tiger, Rabbit
• Metal: Monkey, Roaster
• Earth: Cow, Dragon, Goat, Dog

It is a basic Feng Shui concept that:

• Water produces Wood
• Wood produces Fire
• Fire produces Earth
• Earth produces Metal
• Metal produces Water

and that:

• Water destroys Fire
• Fire destroys Metal
• Metal destroys Wood
• Wood destroys Earth
• Earth destroys Water

Now, you have enough information to evaluate whether the floor your are staying in has positive or negative impact to you.

For example, if you are born in the year of Rabbit (Wood element), and you are staying/working in 5th Floor (in Chinese convention) (Earth element), Wood destroys Earth and therefore Earth suppresses Wood, it seems to be not a good matching. In Feng Shui, this situation is considered Neutral and not as Bad. However, if the floor is Metal (destroys Wood) or Fire (burns up the Wood), that is considered as Bad. If the floor is Water (produces Wood) or Wood (enriches Wood), that is considered as Good.

A family vacation trip to Koh Lipe, Thailand

My family has just spent a breakaway vacation to a small island called Koh Lipe in Thailand. The island is also known as "Maldives Of Thailand" for its beautiful coasts and beaches, clean and wonderful sea, and very relaxing simplicity lifestyle. It is located at the northern-west of Pulau Langkawi.

We first drove our car to Bukit Kayu Hitam, parked our car at the carpark near the border. Then, we hired motobikes to escort us to the Malaysia custom, and then cross the border to Thailand custom. After that, we took a minibus to Hat Yai, stayed a night there, and then transported by taxi to a jetty at Pak Barra. From Pak Barra jetty, we took a speedboat to Koh Lipe. There is only one boat from Pak Barra to Koh Lipe per day during this low session, departed at around 11.30am.

We landed at the Sunrise Beach, and walked to Castaway Beach Resort which we've booked for 2 night stay at the cost of 2500 bahts.

We settled down at our double-storey wooden hut of Castaway Beach Resort.

Downstair is an open shower place and toilet with no shelter. So, this kind of hut is only suitable to stay with close family members, and could be embarassing to live together with ordinary friends.

Upstair is the sleeping room with a balcony. There is no aircond but there is a ceiling fan on top. Mosquito net is provided as there will be insects at night.

Castaway Beach Resort has a nice restaurant with delicious food, just nearby the huts.

As in our travel plan, after 2 days, we moved to the more "civilized" Sita Beach Resort & SPA at another end of the island. Sita Beach Resort provided motorbikes transportation to bring us there.

We stay in bungalow villa there, at higher cost than Castaway of course. See the difference between them.

Koh Lipe is about castaway and relaxing, a nice getaway for urban people to enjoy the nature. There is a small street at the center of the island, and the rest is about scenery and nature. The island is so small that you can walk on your legs from one end to another.

We also spent a day visiting to Koh Adang, Koh Ravi and some nearby islands with long tail boat. There is a small island with lots of rocks called Koh Hin-ngam nearby, which is a nice place for swimming, snorkeling and even diving.

Here are some of the photos taken there with my Canon PowerShot S95 digital camera.

 

 

 

Citibank finally got their Online website fixed for IE 9

If you are a Citibank Malaysia customer and have been using their Citibank Online website for online banking, you might be aware that there is a major revamp to Citibank Online 1 month ago.

If you are using Internet Explorer 9 (IE 9) to access that website, you would find the webpages after login all got screwed up. This problem would not happen if you access it with  other browsers such as Firefox.

Well, it is a long known issue that Microsoft's IE browser does not follow the general standard in rendering webpages, especially in later versions of IE 7, 8, and 9 in handling Web 2.0 components. Web developers always find they need special treatments in their codes to make the webpage in IE to be appeared as the same looks-and-feels in Firefox, Chrome, Safari, Opera, etc.

However, it is the QA issue with Citibank and their web vendor for failing to test and assure the accessibility of their new website in all major browsers, which should include IE 9 (as it is pre-installed in all Windows 7 computers).

I am among the users who had provided feedback to Citibank regarding their web accessibility problem. After waited for about 1 month, finally they fixed this issue by today. Citibank and their web vendor should be more careful in handling the QA of their website, and should not simply roll out something without thorough QC. Luckily, this is just an accessibility issue. If this is a security issue, happened to a bank website, you imagine what would be the impact and lost incurred.

Garmin releases MalSingMaps Malaysia/Singapore/Brunei NT 2011.30 for free update

Garmin has made available MalSingMaps (MSM) Malaysia/Singapore/Brunei NT 2011.30 (2011-Q3) for free update now.

You can click here to download the installation file of MalSingMaps Malaysia/Singapore/Brunei NT 2011.30 from Garmin server. The download file is split into 4, and you just need to download the file relevant to your Garmin GPS navigator:

• nuvi 3790V or 3790
• nuvi 1250
• nuvi 2575R, 2565, 2465, 1460, 1350, 765 or 255w
• nuvi 205 or 205w

The installation file for nuvi 255w is 234MB (245,858KB), about the same size with its previous version released in 2011 Q1.

For nuvi 255w, the installation program requires you to have an SD Card slotted in your GPS before it can proceed. Just like the previous version of MSM NT 2011.10, it will install gmapprom1.img (44,484KB) and SGMYMAL.JCV (215,715KB) into your SD Card instead of the flash memory of your GPS. If you prefer them to be in the GPS internal flash memory, you can manually move them from your SD Card to the flash memory, and I've done that without any issue. Anyhow, the gmapprom1.unl file is still updated in the flash memory of the GPS.

During the installation process, you'll be asked for the unlock key. The key is stored in the existing gmapprom1.unl file in your Garmin GPS navigator, which you can open with Notepad or any text editor. Just copy and paste the key to the installer when asked.

I couldn't find any description about what has been changed in this new version of MSM.

The end of Papago! GPS support for X3 / X5 / X6 / Reality 7 / OEM and final MalFreeMaps for those versions

Maction has forced an end support to all earlier version of their X-Series Papago! GPS by end of August 2011, which include the hardware and software (Android, iPhone, Win CE, ...) version of X3, X5, X6,  Reality 7, and OEM versions. Those will be replaced by the new X8 version using a new map format with no backward compatibility.

They have also officially requested MalFreeMaps (MFM) to cease providing map updates to all earlier versions of Papago! by end of August 2011, and only provide future map updates for Papago! X8.

As such, MFM-PPG-110823 is the final MalFreeMaps map release for those earlier versions of Papago!.

I can understand their move, which I believe is a bold business decision to fight against piracy to their software. The pirated Papago! GPS software had been used in some China-made GPS gadgets and also embeded GPS in car audio-visual devices, selling at cheap price. Beside that, cracked versions of Papago! for Android, iPhone, Win CE, Symbian, etc. are not difficult to be found, downloaded and installed from the Internet.

In fact, Garmin GPS also faced the same software piracy problem before, until they ceased the production of software version of Garmin Mobile XT GPS navigator.

Anyhow, this is a very risky move of Maction. Regardless whether it is legal and/or ethical to do so, for sure they have lost in customer satisfaction, loyalty, and brand reputation. But this will also kill off some of their competitors who pirated their software and produce cheap GPS gadgets.

Existing users of genuine Papago! are told to bring their devices to Papago! service centres for upgrade to version X8, either free or at cost, based on the terms and conditions.

Are you a Papago! user? What do you feel about this drastic action?

Live traffic condition updates in Twitter by Malaysian Highway Authority (Lembaga Lebuhraya Malaysia, LLM)

In this festive season, a lot of us are taking a long break and travelling back to hometown or going on vacation. It is anticipated that the traffic volume on PLUS highway will increase tremendously.

Do you know that you can check the live highways traffic condition updates in Twitter by Malaysian Highway Authority (Lembaga Lebuhraya Malaysia, LLM)? The landing page is http://twitter.com/#!/LLMinfotrafik.

Its gonna be very handy and convenient for you if you can access Twitter with your smartphone, like this:

Also, Twitter loads much faster than the LLM Traffic website (http://www.llmtrafik.gov.my/), another place for you to check the highway traffic conditions.

You can also make a call to 1800887752 (7am - 10pm) for live traffic update.

May your journey be safe and smooth. Enjoy your holiday!

(Click the share button below to share this info with your friends...)

Steve Jobs resigned as CEO of Apple

The day has come, and Steve Jobs had officially tendered his resignation to the BOD of Apple as CEO and recommended his right-hand man Tim Cook as his successor.

Well, he is still with Apple, as the Chairman of the Board, and very likely to continue his contribution as the mastermind of innovative Apple products that make significant impact to the world.

Steve Jobs has a legendary life. He was a dropped out student of Oregon's Reed College just after 1 semester. He made his girlfriend pregnant when he was 23. He is a natural food lover who embraced Buddhism and New Age philosophy, and had once been in a spiritual trek to India. He met Wozniak during his summer job in HP. He and Wozniak then built Apple 1 in the garage, and made a fortune with the next version of this computer, namely Apple II. He made another hit with Macintosh, the 1st computer with mouse and GUI OS. That made him a multimillionaire by age of 25. He brought in John Sculley from Pepsi to Apple, who then made him ousted from his own company in 1986. He then founded NeXT and bought Pixar from George Lucas. Pixar then got famous with Toy Story and continued to produce great animation movies one by one. NeXT was bought over by Apple and Jobs was back to revive Apple with iPod, followed by iTunes, iMac, Macbook, iPhone, iPad, etc. He was hit by cancer and after treatments, still survive until today.

In Apple, Jobs is well-known to be a boss that is extremely harsh, and yet people in the world love this perfectionist for pushing his engineers to produce great products one after another.

Apple never invent computers, digital music players or smartphones, but Jobs successfully reinvented them to be trendy gadgets. "It's more fun to be a pirate than to join the navy", said Jobs in a retreat in 1982.

Download the new Android Market version 3.1.3 for smartphones

If you have a smartphone running on Android 2.2 (Froyo) or Android 2.3 (Gingerbread), I recommend you to upgrade your Android Market to the latest version 3.1.3. This is the new release, more recent than the previous Android Market 3.0.26 / 3.0.27.

You can download the APK file of this new Android Market 3.1.3 from any of the links listed here:

• Location 1
• Location 2
• Location 3

You don't need root access to upgrade your Android Market to this new version. Same as the other APK installation, you'll need to enable "Unknown sources" installation in the phone's Settings > Applications.

This is how the new Android Market 3.1.3 looks like.

Its starting page is the Featured list. It has separate navigation listing for Top  Paid, Top Free, Top Grossing, Top New Paid, Top New Free and Trending. You can filter the listing by Categories and the result will be listed accordingly.

The Android Market 3.1.3 introduced Google's +1 feature, so you can +1 the apps you like.

Press the Menu button of your Android phone, and select My Apps to view the listing of the apps installed in your phone.

Another remarkable new feature in Android Market 3.1.3 is the PIN setting security for making purchases. You might be aware that previous versions of Android Market will let you make purchase of new apps with your Google Checkout account just by tapping on the Purchase button. If you let other people use or play with your phone, you have to be alerted that they can open the Market app and start purchasing paid apps using your account. Now, if you have set a PIN and locked down the purchase function with your PIN, that danger won't simply happen anymore.

Note: If you have an Android tablet running on Android 3.0 (Honeycomb), this Android Market 3.1.3 upgrade might not be applicable to your device.

The new Sunway (5211) after the merger

The new Sunway is expected to be listed in KLSE on Tuesday 23 August 2011 with the new stock code of 5211 under the Properties sector of the main board.

The will mark the completion of the merging exercise of SunCity (6289, Properties sector) and old Sunway (4308, Construction sector), resulting in a total of 1,292,505,004 Sunway ordinary shares and 258,501,000 Sunway warrants (exercise price RM2.80, expires on 17 August 2016) issued and listed.

According to its Prospectus dated 18 August 2011, the key financial data of the new Sunway for FYE Dec 2010 is as follow:

Revenue: RM3.134 billion
Gross profit: RM1.058 billion (margin: 33.8%)
Operating profit: RM592.142 million
PBT: RM717.267 million (margin: 22.9%)
PAT: RM997.483 million (margin: 31.8%)
Cash on hand: RM856.193 million
Debts: RM2.332 billion
Total equity: RM2.982 billion
Total liability: RM4.403 billion

EPS: 53.3 sen
Fully diluted EPS: 44.4 sen
NTA: RM2.01

Current ratio: 1.5
Gross gearing ratio: 0.9
Net gearing ratio: 0.6

Note that the PAT is higher than PBT for FYE 2010 due to reversal of deferred tax liability pursuant to the sale of certain properties to Sunway REIT.

And according to the unaudited FYE 2011 Q1 result announced in KLSE on 16 August 2011, the 1st quarter result is as below:

Revenue: RM833.711 million (26.6% of last year annual revenue)
PBT: RM79.219 million (11% of last year annual PBT)
PAT: RM88.921 million (8.9% of last year annual PAT)
Cash on hand: RM961.822 million (up by RM105.63 million or 12.34%)
Debts: RM2.328 billion (reduced by 4 million)
Total equity: RM3.079 billion (up by RM97 million or 3.25%)
Total liability: RM4.15 billion (reduced by RM253 million or 5.75%)

EPS: 5.28 sen (9.9% of last year EPS)
Fully diluted EPS: 4.4 sen (9.9% of last year diluted EPS)
NTA: 2.07 (up by 6 sen or 2.99%)

Unbilled sales: RM1.7 billion
Total order book: RM2.4 billion

Note that Sunway has just recently been awarded the Package B of Kelana Jaya line LRT extension project worth RM569 million, which will push their total order book to RM3 billion and above.

Disclaimer: This article is intended for sharing of point of view only. It is not an advice or recommendation to buy or sell any of the mentioned stock counters. You should do your own homework before trading in Bursa Malaysia.

Google to buy over Motorola Mobility for $12.5b

It seems that the patent lawsuits among Google and its competitors have extended into some eye popping M&A activities.

Despite losing up in the contest for Nortel (which carries 6000+ wireless technology patents) to the joint alliance formed by Apple, EMC, Ericsson, Microsoft, RIM and Sony, Google managed to increase its bargaining chips by snapping up 1000+ patents from IBM in late July 2011. And now, out of a sudden surprise, Google announced its move to acquire Motorola Mobility which carries 17000+  issued patents worldwide and 7500+ pending patents under application process.

Beside gaining a large amount of patents through this $12.5b exercise, by acquiring Motorola Mobility, Google will also move into Android phone hardware manufacturing business and compete with its partners in the Android alliance including Samsung, HTC, LG, etc. Anyhow, Larry Page calmed his fellow Android partners that this acquisition will not change Google commitment to run Android as an open platform, and that Motorola will be run as a separate business.

What impact has this move on the Android community and the entire smartphone market? Time will tell. Hopefully, it will bring more good than bad.

Click here to read the announcement made by Larry Page about the Motorola Mobility acquisition.

Using inSSIDer and WiFi Analyzer to scan wireless networks around you

Do you want to know what are the active WiFi networks around you, together with the detail of their signal strength, maximum bandwidth, and connection security setting? Do you want to search for WiFi networks with open security?

If you encounter connection and/or bandwidth problem with your own WiFi, do you want to know which is the best available wireless channel to have least disruption from other wireless networks around you?

inSSIDer is a free open source tools for PC running on Windows or Linux to scan for all nearby wireless networks and to troubleshoot competing access points. It is best used in a laptop with WiFi capability. It provides detail of the wireless network around you as shown below.

With it, you can look for unoccupied WiFi channel to set for your own WiFi network, in order not to compete with the others. If you compete the same channel with other access points, you will possibly encounter poor wireless speeds and even frequent WiFi network disconnection.

If you have an Android device (eg. smartphone or tablet), there is a similar tool for the mobile device called WiFi Analyzer. WiFi Analyzer even has a Channel Rating feature to suggest for least competed channel to get the optimum WiFi stability and speed.

If you install the open source WiFi Connecter Library together with WiFi Analyzer, you add in the ability for WiFi Analyzer to connect to the WiFi network that you tap on its listing. This will make WiFi Analyzer to be a nice GUI tool for you to pick for the WiFi network you want to connect.

Disabling WiFi function of Unifi D-Link DIR-615 router

By default, the WiFi wireless function of the D-Link DIR-615 router that comes with TM Unifi High Speed Broadband is turned on.

If you are not going to use WiFi wireless for your network connection, you can turn it off to eliminate the WiFi radiation around you that is emitted by your D-Link DIR-615 router. This will also eliminate any possibility of intruder gain access to your network via WiFi connection. In addition, this will also free up some CPU cycles and memory resources in the D-Link DIR-615 router to serve its other functions.

Here are the steps to diable the WiFi function of the D-Link DIR-615 router that comes with TM Unifi HSBB:

• Login the router with "admin" or "operator".
• Go to Setup tab and click on the "Manual Internet Connection Setup" button.
• Go to Wireless Setup and click on the "Multiple Wireless Network Name Setup" button.
• Uncheck and also clear out all the fields in Wireless Network Name, then click the "Save Settings" button.

• You are not done yet. Click the Reboot button to restart the router.
• By now, the WiFi should be turned off. You can see the WiFi indicator light on the D-Link DIR-615 front panel is turned off.

If the WiFi indicator light is still on, your WiFi is not off yet. Check if you have missed out any of the steps above.

iCapital.biz Bhd (ICAP, 5108) year 2011 Annual Report

ICAP,  managed by Mr. Tan Teng Boo (陈鼎武), which is the one and only closed-end fund in KLSE, has just published its 2011 Annual Report.

As disclosed in the annual report, this is the current portfolio of ICAP as at 22 June 2011.

ICAP has finally sold out all MIECO (5001) and removed it from the portfolio. If you want to criticize ICAP, this is the failed investment which has caused a 59.22% or RM1.2 million lost to its share owners. MIECO was sold out at an average price of about RM0.5257 (RM857,876/1,632,000), which was not a good timing and near its lowest price. MIECO has once gone up to RM0.83 in March 2011, and even gone up to RM0.97 one day before the 6th AGM of ICAP held last year. In fact, during the AGMs of past few years, share owners had been asking Mr. Tan Teng Boo about why MIECO was still kept in the portfolio despite horribly performed in its EPS as well as share price.

To my surprise, within the year, ICAP has bought and also sold 1,360,000 units of COASTAL (5071), making a profit of 12.12%. Why COASTAL is such a short term investment/speculation, despite its fundamental still looks good?

You will notice that PADINI (7052) has increased by 5 times in the portfolio. Actually, this is due to share split exercise of PADINI. ICAP has not changed its holding in PADINI since 2008.

ICAP currently only invested in 10 counters only, which is the lowest number since inception. The cash position has increased to RM115 million. This shows Mr. Tan remains cautious to the investment environment, especially when he quoted John Donne's "no man is an island, entire of itself" in this annual report.

Anyhow, despite the failed investment in MIECO and lowering of invested position, the NAV of ICAP still keeps on climbing and is now at its historical high. This shows that overall, ICAP is still a well performed closed-end fund, and Mr. Tan remains a remarkable fund manager trusted by some 3,200 share owners, including foreign financial institutions such as The Bank of New York Mellon, Credit Suisse, etc.

I have produced the table below to show the change in portfolio of ICAP from 2006 to 2011.

MSC (5916) was highlighted during the 6th AGM of ICAP last year, and ICAP has bought in another 1 million shares of MSC after that. SURIA (6521) was another highlighted counter during last AGM, and ICAP has also increased its position in this counter. However, the share price and trading volume of these 2 counters still remain dull until now.

The NAV performance of ICAP over the year is mainly contributed by blue chips such as F&N (3689) and PETDAG (5681) bought a few years ago.

Well, see you in ICAP 7th AGM and 2011 Investor Day on 1 October 2011.
Disclaimer: This article is intended for sharing of point of view only. It is not an advice or recommendation to buy or sell any of the mentioned stock counters. You should do your own homework before trading in Bursa Malaysia.

The end of CIMB credit cards weekend cash rebate promotion

If you hold a CIMB or Direct Access credit card, you might have been enjoying their weekend cash rebate promotion since 2009.

This had been an attractive cash rebate promotion, whereby 5% cash rebate was given to weekend retail transactions in Tesco, Giant, Cold Storage, Sunshine, Guardian, KFC, etc. There was also 10% cash rebate rebate for weekend transactions made in Burger King.

At first, this weekend cash rebate applied to both Saturday and Sunday. Later, it applied to Sunday only. Anyhow, this was among the best credit card weekend cash rebate promotion, and more attractive to similar programme by Citibank Cash Back Platinum Card (2% rebate only for groceries transactions in Tesco, Giant, Cold Storage, etc., although not restricted to weekend) and UOB One Card (also 2% rebate only for groceries).

However, after the last promotion period ended on 30 June 2011, there is no news from CIMB about any new weekend cash rebate promotion for their credit cards. It seems that this attractive cash rebate programme from CIMB has finally come to an end.

Meanwhile, OCBC Titanium Credit Card also offers 5% rebate for groceries transactions, which is now the most attractive cash rebate credit card at the moment.

The 2nd Integrated Content Development Programme (ICON2) by MDEC

If you are a Malaysian and wanna enter into mobile apps development for iPhone/iPad or Android, or you want to setup a content/knowledge website, you should know about ICON2 which can provide you training, financial and facility support to bring your dream to reality.

The Integrated Content Development Programme (ICON) commenced in 2009 was aimed for MDEC to provide support and assistance to Malaysian content developers in creating quality web and mobile apps. 96 projects has already benefited from this programme.

ICON2 just launched earlier this month (July 2011), is an extension of ICON, and initiated under the Communications Content and Infrastructure sector, identified by ETP as one of the growth engine in the 12 NKEA. This round, it is targetted for iPhone/iPad and Android apps development projects.

There are 3 components under ICON2.

ICONapps is a mobile apps development programme for team of 2-4 Malaysian developers. It provide funding assistance through reimbursement for training in iOS or Android development, any purchase of development platform and devices, purchase or license of 3rd party SDK, and also reimbursements for any 1st year developer registration fee.

In short, you can start up your mobile apps development by getting free training, free computer, free development phone, free development tools, etc. from MDEC by applying to this ICONapps programme. I believe this is a perfect programme for university/college students and/or free graduates and/or any Malaysian who would like to develop mobile apps to kick start with.

ICONdap is a developer assistance programme that provides funding assistance for those who have innovative ideas and concepts to come out with POC and prototype. The funding covers all direct costs incurred for the proposed project. At the final stage, MDEC will also assist you for Business/VC/Angel matching.

ICONeX is a digital content hosting and exchange facility targeted at SMI/SME and individuals which require bandwidth for online content, applications and services. This is a datacenter server hosting and/or co-location facility at a competitive price.

Click here for more information and application form download of ICON2.

Android game: Strategy to play Pirates and Traders

Pirates and Traders is a single-player strategic role-play game for Android phones and tablets. It is developed by MicaByte Systems,  surprisingly just a 1-person company based in Norway.

As informed by its developer, Pirates and Traders is a homage to Sid Meier's classic PC game, Pirates! It would be remiss, however, not to mention other influences on the game - most notably Pieter Spronck's "Space Trader" (for PalmOS), David Braben and Ian Bell's "Elite", and the Richard Berg boardgame "Blackbeard".

The game started by bringing you back to year 1650 in the Carribean sea, where you'll start your adventure.

Here is the strategy I found out, after playing with this game for a few hours:

• Befriend with British, Dutch and French. Get the Letter of Marque from their Governors and only attack the Spanish ships and ports.

• In the beginning of the game, borrow money from the Governor and use the money to upgrade your ship as soon as possible.
• Make sure to repay back your loan as soon as possible once you are able to earn more than 10,000 doubloons (gold coins) , otherwise your debt will grow with interest.
• You will be able to attack and win the combat with larger warship once your ship got all the necessary upgrades. Seize the larger warship and upgrade it again. With larger warship, you have higher chance to win battles, and you'll have enough capacity to carry more crew for port attack.

• Remember to recruit specialist crew (Master) found on the ship you captured. You have higher chance to encounter them when you play the game in easier game levels, and harder to find them in harder levels.
• The fastest way to gain a lot of doubloons is to attack and plunder enemy ports. Start your attack to ports with smaller army. If you are outnumbered, use the "cunning" attack strategy. You'll also need a high cunning skill.

• The types of ship in this game, and their capacity before any upgrade, are listed as below. Once you acquired the Flag Galleon and fully upgrade it, you'll be quite invincible, especially in easier game levels.

• When you start feeling boring due to no comparable opponent, click the Retire button to end the game.

The 4 pillars of IT security management

When we talk about IT security, we have to ensure that all the following 4 areas are well covered and non are missed out:

• Availability - information must be available and usable when required, and the systems that provide it can appropriate resist attacks and recover from or prevent failures.
• Confidentiality - information must only observed by or disclosed to those who have the right to know, and well protected against unauthorized access and use.
• Integrity - information must be complete, accurate and protected against unauthorized modification.
• Authenticity - business transactions, as well as information exchanges between enterprises, or with partners, can be trusted

Information Security Management must consider the following 4 perspectives:

• Organizational – well defined security policies and staff awareness of these
• Procedural – well defined procedures used to control security
• Physical – controls used to protect any physical sites against security incidents
• Technical – controls used to protect the IT infrastructure against security incidents

Does the IT security of your organization has all these in place?

Who are the one afraid of BERSIH 2.0?

BERSIH 2.0 (a.k.a. Coalition for Clean and Fair Elections) is a civil coalition currently endorsed by 62 non-government organizations (NGO).

If you support BERSIH 2.0, you simply agree and support the following 8 demands to reform Malaysia's electoral processes:

1. Clean up the electoral roll to address irregularities
2. Reform postal voting
3. Use indelible ink
4. Establish a minimum campaign period of 21 days
5. Ensure free and fair access for all political parties to the media
6. Strengthen public institutions
7. Get rid of corruption
8. Put a stop to dirty politics

Yes, BERSIH 2.0 is about reformation, for the sake of goodness. Anyway, what's wrong with the word "reformation"? If certain party afraid of "reformation", how about using the word "transformation"? After all, the aim is to "change" to a better state.

It is ridiculous for certain parties, and their helpers/servants/bondmen/slaves to attempt to defame BERSIH 2.0 or to mislead people by tying BERSIH 2.0 with:

• the opposition politic parties - well, the opposition can support BERSIH 2.0, so does the ruling one. Does BERSIH 2.0 rejected or unwelcome the ruling parties to be part of them in the first place?
• communist - in my understanding, communists don't need election. It is more likely for those afraid of BERSIH 2.0 to be communist supporter instead.
• troublemaker - well, in their eyes, BERSIH 2.0 is really a troublemaker for them. That's why they are so afraid.

Why they are afraid of BERSIH 2.0? Probably because they have totally no confident to win the game in a fair manner.

A student would not need to cheat in the exam if he/she has confident to pass. A worker would not worry about being sacked if he/she is ethical and well perform.

If you are afraid, you know you have weaknesses. The right way should be to reform/transform/adjust/correct your points of weaknesses, instead of fortify your weaknesses.

Updating Samsung Galaxy Tab from Android 2.2 (Froyo) to Android 2.3.3 (Gingerbread)

Android 2.3.3 (Gingerbread) is available for Samsung Galaxy Tab now.

In order to perform the update using the "official" way, you need a computer installed with latest version of Samsung Kies.

Launch the Kies application in the computer, then connect your Samsung Galaxy Tab to it with the USB cable. Set the connection type to be "Samsung Kies".

Kies will detect the Samsung Galaxy Tab and automatically inform you the availability of Gingerbread update.

The process starts with downloading the update file to your computer.

After that, you are given a chance to backup your data in the phone to Kies. Although this update will not cause any data or setting lost to your Samsung Galaxy Tab, it is always a wise choice to perform a backup, just in case.

Then, your Samsung Galaxy Tab will be automatically rebooted into download mode, and the update file will be transferred from your computer to the Tab.

Once the transfer is completed, the update process will begin. Then, your Tab will be rebooted again. It will take some time during its first boot up after the update.

You will be advised by Kies to disconnect the USB cable, reboot the Tab again, then connect back the USB cable. Your computer will then update its USB driver to connect to your Tab with the new Android Gingerbread ROM.

Among the new things after this update are 2 new apps installed in your Tab, namely Sketch Memo and Pulse. Sketch Memo is a pretty handy app that worth a try, but it doesn't come with any widget, which I think it should.

Clarivue matte anti-glare screen protector for HTC Incredible S

Although HTC Incredible S comes with Corning Gorilla Glass, I think it still need a screen protector that can reduce fingerprint, smudge and glare. So far, I found that only the matte kind of screen protector can fulfill this requirement.

However, the trade-off of using matte screen protector is that, it will reduce the transparency of the screen, and you will see distortion of colourful tiny grains shown up, especially on white background.

Actually, before I went for Clarivue, I've been looking for the SGP Steinheil Ultra Optics screen protector which claims to allow more light transmittance from the screen, as well as minimize the graining effect of its matte surface. But SGP didn't have a clear schedule on when they will produce Steinheil Ultra Optics screen protector for HTC Incredible S, so I ended up using Clarivue instead.

Both SGP and Clarivue are expensive kind of screen protector costing more than US$10 per pack. Actually, screen protectors are just a piece of plastic and should not be more than US$1 when come out from factory. However, a lot of cheap matte screen protectors manufactured in China (and probably distributed from Hong Kong) are of low quality and bring a lot of visual distortion (graining effect) to the screen. So, sometimes we have to pay the premium to get the screen protector from a trusted brand in US (probably manufactured in Japan). In addition, Clarivue Anti-Glare and Ultra-Clear screen protectors come with "lifetime warranty". You can always have a replacement for your screen protector from Clarivue at a handling cost of US$3 for regular shipping.

Clarivue can be ordered online from their website, and they provide free shipping worldwide for their HTC Incredible S matte anti-glare screen protector. Purchase with coupon code "clarivue1210" and you will get a 10% discount directly. I waited about 2 weeks for it to come all the way from USA to Malaysia.

The package of Clarivue comes with 2 pieces of screen protectors and 1 pre-moistened cleaning tissue pack. It is very easy to apply on the phone.

Although there is still some tiny grains on the matte screen, I find the overall screen display is still OK with Clarivue matte screen protector applied on it.

This is how the screen of HTC Incredible S with Clarivue anti-glare screen protector looks like, with the brightness setting to "auto". Note that the vibrant colour from the WVGA Super-LCD screen is still intact. The multi-touch screen is also as responsive as before.

And this is how the screen looks like when I set the brightness setting to 0%. Even at this extremely dim level, the screen is still viewable.

Therefore, I have no complain to Clarivue matte anti-glare screen protector other than its price.

Case-Mate Barely There case for HTC Incredible S

The famous Case-Mate Barely There is a kind of hard plastic shell for mobile phone to protect the phone from scratch, minor impact/drop, etc.

As its name suggested, it fits to the phone perfectly and we can barely feel its existence especially when see from distance.

I have been putting Case-Mate Barely There case on my HTC Incredible S phone the next day after I got the phone. It is very easy to put on and also very easy to take off.

To let you have a better idea of how it looks like, I have taken picture of the case putting together with the naked phone side-by-side.

The front:

And the back:

This is how the phone looks like after putting on the case:

As you can see, Case-Mate Barely There fits nicely to the phone, maintaining the slim profile of HTC Incredible S and provide good access to all the ports, sensors, speakers, buttons, cameras and functions of the phone.

Case-Mate Barely There also provides good protection to the main camera of the phone. As you can see from the 2nd photo above, the back camera's glass surface of HTC Incredible S will have contact to the table surface it lies on when you put the phone facing up. Imagine that glass surface keeps on knocking your table whenever your phone vibrates. Take a look at the 3rd photo, and you will find how Case-Mate Barely There protects the back camera.

The top edge of Case-Mate Barely There is of same level with the power button of HTC Incredible S. This will prevent accidental pressing the power button (and turn on the screen, which in turn drain out your battery) when your phone is in your pocket. However, this also makes pressing the power button a bit harder than naked phone.

The price of Case-Mate is quite expensive. I bought it at the cost of over RM60. However, you will find it worth the price considering its nice design, good quality and the "barely there" feeling.

The packaging of Case-Mate Barely There is bundled together with Case-Mate clear screen protector. However, you will soon find fingerprints and smudge developed on that screen protector. Therefore, my phone is using Clarivue ultra-thin matte anti-glare screen protector instead.

Fixing Android unable to connect to WiFi network problem with FXR WiFi Fix And Rescue

Have you ever encountered these kind of WiFi network connection problem with your Android device?

• Your Android device unable to detect the presence of a particular WiFi router/AP although SSID is broadcasted and all other wireless devices can detect and connect to the WiFi without problem
• Your Android device's failed to obtain IP address from the WiFi router/AP and unable to start, although the WiFi DHCP service is running well with other wireless devices
• Your Android device's WiFi service just unable to start

Normally, situations as above come at a sudden, and before that, your Android device has no issue at all connecting to that particular WiFi all the while.

Sometimes, rebooting the Android device can fix the problem, and you'll be able to connect back to the WiFi again. However, the same problem might also come back again.

I've encountered such annoying problem between my Android phone and my home WiFi router, and I finally fixed it using a free tool called FXR WiFi Fix And Rescue.

It is a one button fix solution. Just click the "Fix My WiFi" button and the tool will attempt to fix your WiFi problem in your Android device for you. You will lost all your WiFi settings, including all the saved WiFi connection passwords, along the process. However, this is still much better than having to do a full factory reset to the Android device.

It worth to give it a try before going for factory reset or sending the Android device to repair center.

App: Use Business Calendar for Android to sync Google and Facebook calendars

Do you find the Calendar app that comes with your Android phone not impressive enough? Do you want a calendar app that can show as much information as possible in a single screen in a well-organized and readable way, especially in the Month view?

So far, I came across 2 Android calendar apps that meet this requirement, and able to sync with Google Calendar. They are Business Calendar for Android and CalenGoo.

I prefer Business Calendar by Mikado Software of Germany because its price is cheaper than CalenGoo, there is a free Lite version of it, and most importantly, its user interface is very much alike Google Calendar accessed with desktop web browser. It also has a more business professional look-and-feel than CalenGoo.

Click here to see some screenshots of Business Calendar.

Business Calendar is able to access and sync with the same set of calendars as the HTC Calendar app, including PC Sync (that will sync with the calendars in your PC through HTC Sync program), multiple Google Calendars as well as Facebook Calendar. Apparently, it shares the same calendar database with HTC Calendar that comes together with the phone.

Beside Month view, it has Multi-day (Week) view, Day view and Agenda view. Its Month view uses popup to show event details, allowing you to access the information easily within the same screen. Its Multi-day view supports multi-touch zoom-in and zoom-out gesture.

One of the thing I like about Business Calendar is it comes with highly customizable widgets of various size from 2x1 to 4x4 (altogether 12 of them), allowing us to access and manipulate the calendar directly from Android home screen.

App: Setting Profiles in Android phone with MyProfiles

Profile setting and management has been a must-have feature in all mobile phones since long time ago, even before smart phones available in the market. This function allows us to quickly change multiple settings in the phone to specific need, such as set it to Silent Mode in cinema, Battery Saving Mode at night, etc.

However, this basic function doesn't come by default in Android, and we have to install the 3rd party application from Android Market in order to have such function in our Android phone.

I find MyProfiles developed by Fancy01 Inc. in Taiwan to be the best in terms of user friendliness, easy to use and good user interface, although it isn't the one having the most comprehensive features. Its operation doesn't consume much battery too.

MyProfiles lets us define an unlimited set of profiles and name them accordingly. Here are the profiles I set in my phone.

MyProfiles provides 40 over icons for us to choose and associate to the profiles we set, which is pretty sufficient.

For each of the profiles, we can define the settings of:

• Sound volume for ring tone, media, alarm, notification, in-call and system
• Sound effect / music for ring tone, alarm and notification
• Vibration
• SMS notification handling
• Auto answering
• Auto speaker on
• Screen display timeout
• Auto lock timeout
• Airplane mode
• WiFi
• Bluetooth
• Mobile network
• Auto Sync
• WiFi hotspot
• GPS
• WiMAX
• Mobile data connectivity
• Display brightness
• Screen auto-rotate
• ... and more

After the Profiles is setup, they can be switched into until the next toggle, or switched temporary for a period of time, then fall back to the settings before the switch.

The temporary mode will be handy in situation such as: we know a movie will be ended in 2 hours time, so we set our phone to be in Silent Mode for 2 hours and let it auto-revert back to its previous state.

We can also schedule for a certain profile to be triggered during certain time period.

Currently, MyProfiles still lack of features such as location based auto profile switching, car motion (> 20 km/h) auto profile switching, battery state profile switching, cable connection (and/or charging state) profile switching, etc.

MyProfiles development is pretty dynamic, with new release coming out at least once every week. Fancy01 is also very responsive to emails sent to them.

MyProfiles comes in 2 versions, the free MyProfiles Lite and the paid MyProfiles. Its price at US$1.49 (increased from US$0.99 since 28 April 2011) isn't expensive and very affordable.

If you own an Android phone and haven't found a suitable profile management app yet, or you find your current profile management app too difficult or tedious to use, I recommend MyProfiles to you.

Battery consumption between GSM (2G) mode and WCDMA (3G) mode

I notice that the battery life of my phone can last longer when it is in GSM (2G) mode than WCDMA (3G) mode.

Here is a simple observation of its battery consumption pattern. I switched it to GSM mode (Settings > Wireless & networks > Mobile networks > Network Mode > GSM only) during day time, and switched it to WCDMA mode (Settings > Wireless & networks > Mobile networks > Network Mode > WCDMA only) before I slept, and switched it back to GSM mode again the next day. Along the whole period, there is no phone call.

Here is the battery consumption pattern I get:

and here is the same graph shown in landscape view:

It is very obvious that when the phone is on WCDMA mode, its battery consumed faster.

This is an HTC Incredible S upgraded to Gingerbread Android (version 2.3.3). I do notice that when it is in GSM mode, the signal is pretty stable (I can always get a full bar), and when it is in WCDMA mode, the signal is not that stable (there are frequent occasions of losing one bar or two bars). Probably the stability of the signal is one of the major factor in battery consumption.

Anyhow, it is a known fact that the phone will consume less battery when it is in GSM mode rather than WCDMA mode, and it is among the tweaking of battery saving apps such as Juice Defender.