New type of insurance plan to get early payout for 36 critical illnesses

If you have bought an insurance plan, or have been approached by insurance agent before, I'm sure you might have been known about the kind of health/medical insurance that covers 36 kinds of critical illnesses.

However, you might not be awared that the coverage on the 36 kinds of critical illnesses is at the terminal stage, which is a serious stage that is hard to recover or already close to death. Before reaching such a serious situation, although you might unluckily caught by one of the 36 kinds of critical illnesses, you still can't make any claim from your critical illnesses insurance policy.

Recently, I was informed by my insurance agent about a new type of insurance plan (well, actually not that new now as it has been launched for quite some times) that can complement the traditional 36 critical illnesses insurance plan with an early payout condition.

Under this early payout for critical illnesses plan, we can make the claim upon early diagnosis of a critical illness covered under the plan, and make use of the money for medical treatment. Early treatment let us have higher chance of survival.

The payout will be a certain proportion of the total sum insured, depends on the type of the diagnosed illness and its severity level (early, intermediate, terminal). Multiple claims across multiple critical illnesses is possible as long as there is still balance in the total sum insured.

Anyhow, this kind of early payout insurance plan seems to be come as a rider in a regular premium investment-linked insurance plan, making it not so flexible for people who want to take this kind of insurance but not so interested in buying unit trust through insurance (which normally incurs high commission rate and high admin charges).

Do contact with your own insurance agent to find out more about such early payout critical illnesses insurance plan if you are interested.

INVEST Fair Malaysia 2012 and iProperty.com Expo 2012

There are 2 investment events happened at the same time in KL Convention Centre and ended today, namely the INVEST Fair Malaysia 2012 at Hall 1 and iProperty.com Expo 2012 at Hall 4-5.


The INVEST Fair this year is really quiet, not much visitors. The number of booth is about the same like last year, not too many too. A lot of seats at the talk were untaken.

The iProperty.com Expo also doesn't have much crowd. Majority of the booths are exhibiting high-density high-rise residential buildings. You will be surprised that quite a few developers are aggressively having big projects in Cyberjaya and Putrajaya. It seems that the property development in Klang Valley continues to be heated up at the south, encompassing Puchong, Seri Kembangan, Cyberjaya, Putrajaya, Bangi, etc.

This should be good for construction and development support companies such as Pintaras Jaya (PTARAS, 9598) and Favelle Favco (FAVCO, 7229) as the projects around Klang Valley still heating up.

There are also exhibitors selling overseas projects in Europe, China, North America, etc.

Use Notepad to open any text file in Windows 7 right click

Notepad is a lightweight and handy text editor that comes with Windows operating system.

There is a trick in Windows that can let you right click on any text document and instantly open it with Notepad for reading or editing.

What you need to do is just to include a shortcut of Notepad into your "Send to" menu.

Below is the steps to do it for Windows 7:

Step 1: Open Windows > Run... or alternatively press the Windows + R keys on your keyboard.

Step 2: Key in "shell:sendto" and press the OK button. This will open Explorer and bring you right into your SendTo folder. The content in this folder are the items that will appear in your "Send to" menu whenever you right click on any file or folder. (If you are using Windows XP, then key in "sendto" only and press the OK button.)

Step 3: In this SendTo folder, create a new shortcut to "%windir%\system32\notepad.exe". That's all you need to do.

Now, right click on any text file, go inside the "Send to" menu and open the file with Notepad. Pretty handy isn't it?

You can use this trick to easily open files such as README, *.log, *.ini, *.nfo, ...

Note that you can actually use Notepad to open any file, but if the file is not in text format, you probably just able to see chunk of codes only.

Also note that this trick is applicable for the user currently using the Windows 7 only. If you have multiple users in the system, then the other users need to repeat the same steps above for their own Windows account.

World IPv6 launched today (6 June 2012)

Today (6 June 2012) is the world launching day for IPv6.

To recap, I wrote about the exhaustion of IPv4 last year. The address space used by the current version of the Internet protocol, IPv4, has already run out. Without action, we risk increased costs and limited functionality online for Internet users everywhere, in addition to curtailing the Internet’s growth of a platform for innovation and economic development. The only long-term solution to this problem is adoption of IPv6, which provides a practically unlimited number of addresses.

Now, major Internet service providers (ISPs), home networking equipment manufacturers, and web companies around the world are finally coming together to permanently enable IPv6 for their products and services by today (6 June 2012).

This marks the largest industry commitment to and deployment of IPv6 in the history of the Internet, with the ultimate aim to eventually replace the current IPv4.

Well, due to its vast usage and long time existance, IPv4 won't be replaced within a few years, and will co-exist with the new IPv6 for a lengthy transition period.

Meanwhile, for end users like you and me, whether it is IPv4 or IPv6 should be pretty transparent to us, as we are more adopted to the more human-readable domain names translated from the IP addresses.