Can you park at reserved roadside parking bay after business hours?

Vacant roadside parking is very difficult to be found nowadays. Sometimes when you are able to find a vacant one, the parking bay is marked in red paint instead of yellow or white, indicating that it is a rented as reserved parking space by the city council to possibly the shop right in front of the bay.

If you arrived there after business hours (early in the morning or late at night), or during weekends or public holidays, you might wonder can you park your car at that "reserved" parking bay as legally allowed by the city council?

The answer is YES because the reserved parking bays are rented during specific working hours only, and is free for any car parking outside the rental hours.

The reserved parking time slot of those parking bays marked in red paint is usually following the same time slot which the city council is collecting parking fee for the other roadside parking bays.

For Kuala Lumpur City Hall (DBKL), the reserved time is from 7.30am to 6.00pm, Monday to Saturday, except public holidays.

For Petaling Jaya City Council (MBPJ), the reserved time is from 8.00am to 6.30pm, Monday to Friday, except public holidays.

For Subang Jaya City Council (MBSJ), the reserved time is from 8.00am to 10.00pm, Monday to Friday, except public holidays. However, MBSJ is also renting out a kind of reserved parking at higher rental price, which include reserved time during weekends and public holidays.

Normally, when you see the shop in front of the reserved parking bay is closed, and the time is outside the reserved hours, it is safe for you to park at that parking lot.

Anybody who illegally blocking a public parking bay, including those "reserved" parking bays outside their rental hours, is an act against the law and can be fined for penalty by the city council.

Anyhow, if there is any argument, normal citizens should not take the law into your own hands, and should report the case to the city council instead.

A family day trip to Pulau Ketam (Island of Crabs), Selangor

Pulau Ketam is an island located near to Port Klang, one of the busiest container ports in the world.

There are 2 Chinese villages on Pulau Ketam :- the main Pulau Ketam village and a smaller Sungai Lima village. Although both the villages are quite near to each other, there is currently no road access between them. They are connected with water traffic.

Pulau Ketam is accessible by cruises or speed boats available daily at the South Port Passenger Terminal (Terminal Penumpang South Port) of Klang. It is within walking distance from Port Klang KTM station.

There is a huge golden crab sculpture at the South Port, a good photo-shooting location.

Hourly traffic is available from 9am to 6pm. Tickets are available for to-and-fro or single trip, and the price is pretty affordable. The price of cruises ticket is slightly more expensive than speed boats, selling at RM18 for adults and RM10 for children for to-and-fro trip by Alibaba Pulau Ketam Cruises Services Sdn Bhd.

While the travelling time of speed boats is slightly faster, the cruises are more relaxing with air-cond, large screen TV, comfortable seats, and roofed open air upper deck. It takes about 40 minutes for the cruise to travel between South Port and Pulau Ketam.

The infrastructure in Pulau Ketam main village is pretty well established. It has a nice jetty, free public toilet near the jetty, police station, fire brigade, surau, etc. There is a "pork free" restaurant called Restoran Po Seng next to the surau on the island.

As you can see from the photo above, there are telco towers on the island. You need not worry about getting phone signal and mobile data there.

The village is built on top of a swampy area. All the houses in the village are stilt houses. Even the roads are built on top of the land. This forms a unique scene in Pulau Ketam.

AS its name suggested, you can find plenty of crabs in this island. The crab species in the village is of small size, colourful (blue, orange, red, yellow, ...), and only has one plier. The villagers say edible crabs are located at the other side of the islands, some distance away from the village.

The village is not too large, most of the places are within 1km radius from the main street located near the jetty. Everywhere are within walking distance. The villagers also travel by electric bicycles and bikes on the island. The electric vehicles are available for rent to tourists too.

Quite a number of villagers have converted their house into homestay for tourists who come and visit the island. There are also a few hotels with room rate of around RM100 per night. Anyhow, Pulau Ketam is still a fishermen village, and you can find fishing boats cruising around.

Pulau Ketam is a nice relaxing place for sight seeing and listening to stories about the village from the villagers there.

There are quite a number of wall paintings for photo shooting.

And the village has quite a number of Chinese temples too.

While a day trip is sufficient to explore the village, and one night stay at one of the homestay on the island will bring a more amazing experience.

Which e-wallet is better to claim your RM30 e-Tunai Rakyat? (Boost, GrabPay, TnG)

As you might have aware, the Malaysian government is giving off RM30 digital incentive to eligible Malaysians to encourage e-wallet usage.

The 3 selected e-wallets to participate in this initiative are: Boost, GrabPay and TnG eWallet.

In order to be eligible to claim this RM30 from your e-wallet, you need to be:

• Have a valid MyKad as a Malaysian citizen.
• Aged 18 years and above as of 31 December 2020.
• Have a combined personal income of less than RM100,000 as declared to LHDN in assessment year 2018. If you did not file your income tax for assessment year 2018 due to having zero or low income, such as students, retirees, etc., you have chance to get this RM30 e-Tunai Rakyat too.

To claim for this RM30 e-Tunai Rakyat, you need:

• To be an e-wallet user of at least one of Boost, GrabPay or TnG eWallet.
• To have your e-wallet user identity fully verified by going through MyKad and face validation. 

As a reminder, your children, parents, and grandparents might be eligible to claim for this RM30 e-Tunai Rakyat. If they have not registered as e-wallet user yet, you might want to get them ready by registering them as an e-wallet user, and complete their Know-Your-Customer (KYC) verification process as soon as possible.

The RM30 e-Tunai Rakyat can be claimed from one of the three participating e-wallets from 15 January 2020 onwards. It must be used latest by the expiry date of 14 March 2020.

If you have a car and have been using Touch n Go to pay for tolls, TnG eWallet will be a good choice for you to claim the RM30 e-Tunai Rakyat. Nowadays, you can also use TnG eWallet to pay for supported municipal council's road parking. You can also use this e-wallet to pay prepaid and/or postpaid mobile service. Of course, this e-wallet can also be used in supported online and physical shops.

If you don't have a car and/or always use Grab Car and/or Grab Food services, then GrabPay will be your good choice to perform the claiming. This e-wallet can also be used in supported online and physical shops as well.

Boost is a good choice to pay bills, to save money in SSPN account, to buy gold from Hello Gold platform, etc. It can also be used to pay for supported parking, both street parking and also gated parking. It is also well accepted in online and physical shops.

Note that if you buy online using your mobile phone, you can earn Shopback cashback by accessing TnG ewallet or Boost through Shopback app. Grab used to have cooperation with Shopback for cashback on user's spending, but unfortunately now you can no longer earn Shopback cashback from Grab.

You can reload (a.k.a. top-up) your digital money in Boost, GrabPay and TnG eWallet using credit card, debit card and online bank transfer. A better way is to reload them using BigPay Mastercard, so that you can earn Big Points as well.

If you are registering a new Boost account and need a referral code to get RM5 in your e-wallet right after your first spending of RM10 or above in a single transaction, you can use this invite code: foocnm9

If you are registering a new TnG eWallet account and need a referral code to get some toll rebates (100% rebate on toll fees), you can use this referral code: m4sxxm

Grab used to also have referral programme, but unfortunately has been discontinued since December 2019.

Cooking hob type comparison: gas vs ceramic vs induction

Currently there are 3 major types of cooking hob available in the market.

The traditional cooking gas type has been around for a long time, and perhaps is the most commonly used type.

On the other hand, there are 2 types of electrical hob, one type works using radiation under ceramic top, and another is the induction type. The heating source of the ceramic hob can be of cooker ring elements, halogen lamp, or some other materials.

The table below compares the characteristics, pros and cons among the gas hob, ceramic hob and induction hob (click on the image to enlarge it).

There is little doubt that the electrical hobs are better than the traditional gas hob, especially in terms of safety.

While the induction hob seems to be a better choice than the ceramic hob, its limitation in cookware compatibility is a major set back.

Luckily nowadays there exist 2-in-1 cooker hobs that contain both ceramic burner and induction burner on same piece of hob for you to get the best of both.

Another major consideration when buying a hob is the material used for its glass surface, as poor material is easier to get scratched, cracked or broken. Brand names such as Eurokera, Schott, NEG, etc. could give you some confidence on the ceramic glass material quality.

Malaysia year 2020 national and state public holidays

The official 2020 national and state public holidays in Malaysia has been announced by Cabinet, Constitution and Inter-Government Relation Division (BKPP), Prime Minister Department.

There are 14 days of national holiday (12 national holidays, whereby Chinese New Year and Hari Raya Puasa have 2 days of holiday respectively, and all the rest are 1 day).

3 of them fall on Friday, 4 fall on Saturday, 2 fall on Sunday, and 2 fall on Monday. Most of the states will have around 4 state holidays in addition to the national holidays.

Chinese New Year falls on weekend Saturday and Sunday (25th and 26th January 2020). As such, Monday 27th January 2020 will also be a holiday.

Hari Raya Puasa falls on Sunday and Monday (24th and 25th May 2020).  As such, Tuesday 26th May 2020 will also be a holiday.

Unfortunately, Deepavali falls on Saturday (14th November 2020), which is already a weekend off day for many people.

Click here to download the table of Malaysia year 2020 gazetted national and state public holidays.

Upgrade Huawei Mate 20 series from EMUI 9.1 (Android Pie) to EMUI 10 (Android 10)

Huawei has already released the new EMUI 10 firmware with Android 10 to its Mate 20 series smartphones by now.

However, you might not be able to find it under the normal Settings > System & updates > Software update section of EMUI 9.1.

You will need to ensure your Huawei Mate 20 series handphone has been updated to the latest version of EMUI 9.1 (Android Pie). Then, you can proceed to search for EMUI 10 by using the HiCare app and perform the firmware upgrade from EMUI 9.1 to EMUI 10.

After you have open the HiCare app in your phone, make sure it has the latest version first. Go to Me > Settings > Check for updates. Your HiCare version should be 10.0.5.341 or above.

Then, go to Services > Update > Check for updates. You should be able to find EMUI 10 and perform the upgrade there.

Using professional home inspection service to check property defects

Home inspection is part of the essential process right after receiving vacant possession of brand new home from the property developer. Normally it is conducted by the buyer (new owner) of the property, and there is a 24 months defects liability period whereby the buyer can report any defect found in the property to the developer, and the developer has the obligation to rectify and fix the defects reported by the buyer.

There is another common scenario of home inspection. When the buyer is going to buy a pre-owned property, he can request to perform a home inspection to the property on sale, and get the seller to fix the defects found before signing the sales and purchase agreement (S&P) with the seller. This is because pre-owned property is normally sold as-is, without the 24 months warranty period as in the case of new property. It is imperative for the buyer to ensure the property is in good condition before signing the S&P with the seller. After the property is sold, the buyer will need to use his own money to fix for any problem with the property.

While home inspection can be performed by ourselves, it also worth to consider using professional home inspection service from a company that provide such service, because they have the knowledge, experience, skillset and related tools to perform detail home inspection. In addition, a complete home inspection can take several hours to finish checking, and another several hours to prepare the property defects report. Home inspection service charge is normally within 3-digit RM, depends on the size and type of the property to be checked.

The Construction Industry Development Board Malaysia (CIDB) has already established a guideline called the Quality Assessment System in Construction (QLASSIC), which is a system or method to measure and evaluate the workmanship quality of a building construction work based on Construction Industry Standard (CIS 7). When engaging with a home inspection service provider, you might want to ask if their service is conformance to QLASSIC standard or equivalent.

After confirmation to engage for home inspection service, the buyer will need to set an appointment with the service provider to visit the property to perform the inspection, which will usually take a half day.

The home inspection specialist will then visit the property with all the required tools, including camera (or handphone with camera), torchlight, magnifying glass, ruler, spirit level, stickers, electrical outlet tester, etc.

The scope of home inspection encompasses checking on house components and fitting of:

• Architectural: floor, wall, ceiling, door, window, stairs, drain, furniture, etc.
• Mechanical and electrical: lights, power, switch, socket, plumbing, sanitary fittings, etc.
• Specification compliance: area size measurement, fitting quantity, material used, etc.
• Water leakage testing in toilet, bathroom, balcony, basin, sink, etc.

Stickers will be used to mark down any detected defect point, and photo will be taken for documentation.

After the checking, a home inspection report will be compiled and delivered to the buyer.

The report will normally contain:

i) a summary of inspection result:

ii) a floor plan marking the defect areas:

iii) description of the defects with photo taken:

The home inspection report can easily go between 50 to 200 pages for normal home, depends on the amount of defects found.

Online converting service apartment commercial electricity tariff to residential with myTNB portal

If you live in a service apartment which sit on a piece of commercial land title, you might be paying higher electricity bill every month if your electricity usage is charged based on commercial tariff.

You can file an application with Tenaga Nasional (TNB) to request to change your commercial tariff to the cheaper residential tariff, either by visiting to TNB branch in your area and submit the paper form, or submit the online form in myTNB portal anytime anywhere.

Either way, your application will be processed pretty soon. Normally, your tariff will be changed to residential rate during the next business day after online submission.

You can click here to access to myTNB portal. If you haven't created an account in myTNB, you will need to register for one before you can login.

After login, go to the Apply menu, and select the option "I want to do something else".

Then, select "I want to find out more about other services".

After that, select "Change My Tariff".

There are 4 steps to fill in the online form. Make sure you select "Domestic" as premise type, and select the correct residential type.

At the end of the process, you are required to submit a scanned copy of your MyKad. The name on the MyKad should be the same with the name printed on your electricity bill.

If you confirm to submit the application, you will be charged for RM10 stamp duty, which will be reflected in your upcoming electricity bill.

Upon successful submission, you will receive an email like below.

However, there seems to be no further notification on successful tariff change. You can login to myTNB after 24 hours later to check if your electricity tariff has been changed to residential rate or not.

For your information, current TNB commercial tariff is as below:

and current TNB residential tariff is as below:

If you don't apply for the conversion to residential rate, you might end up being charged double or more in your bill for same amount of electricity used in your service apartment unit.

My CyberPower UT800EG 800VA/400W UPS with built-in AVR

It is really value or money to use RM128 to get a branded Uninterrupted Power Supply (UPS) system with capacity of 800VA/400W to provide power protection for my desktop computer and Internet connection devices.

This CyberPower UT800EG UPS has a very compact size, about the same with a typical  2-bay network attached storage (NAS) system.

It is very easy to operate, with only one on/off button. It uses 3 LEDs and a beeping buzzer to show its status and condition.

Selling at this kind of cheap price, it is within my expectation that it only has basic UPS function that generates simulated sine wave (instead of pure sine wave), and basic Single Boost, Single Buck type of Automatic Voltage Regulation (AVR) function. It has electromagnetic interference (EMI) filter and radio frequency interference (RFI) filter.

It uses internal current limiting  and a fuse for overload protection. It has a relatively low surge suppression rating of 125 Joules.

Beside its cheap price and compact size, another thing I like is its 3 universal type power outlets. With this kind of power outlet, I can directly plug in my equipment within the need to use special kind of IEC-320 power cord.

Another thing I like is its patented energy saving feature called GreenPower UPS Bypass Technology, which is claimed to be able to save substantial amount of power consumption.

When use with normal desktop computer and 27 inches LCD monitor, it is able to provide slightly more than 10 minutes of power outage protection.

This UPS comes with 2 years warranty, which registration can be made online.

My HuntKey SZL307 3 gang universal socket power extension with USB power output and surge protection

I just bought this HuntKey SZL307 3 gang power extension for about RM50. It has all the features I wanted, namely:

• Long and thick power cord (2 meter)
• Universal power sockets
• USB fast charging ports
• Independent on/off switch for each socket
• Surge protection against overload, voltage fluctuations, surges and spikes
• SIRIM approved

This HuntKey SZL307 power extension comes with 2 USB charging port with fast charging output of 5V/2.4A, handy for charging mobile devices without the need of their power adapter.

Its surge protected sockets are universal type, can fit in various types of 3-pin plug and also 2-pin plug.

Unlike its competitor Belkin SurgeMaster which only has one on/off switch for all the sockets, this HuntKey SZL307 has individual on/off switch for each of its 3 power sockets, and there is LED indicator light for each of the switches.

It comes with 3 years warranty. Most importantly, it is SIRIM approved with a SIRIM sticker on it.

There are other variants to this product, such as the HuntKey SZL407 which has 4 gangs and selling at a more expensive price.

Using handphone to pay Selangor & KL street parking and parking compound with Smart Selangor Parking mobile app

The traditional ways of paying street parking to municipal council is no doubt inconvenient, be it using the parking meter or parking coupon.

Using parking meter means you need to get ready some shillings, park your car, find and walk to the parking meter, feed the parking meter, print out the receipt, walk back to your car and display the receipt on your car's dashboard.

If you need extra time, you have to wait until the parking period on the receipt is about to expire, then rush to the parking meter, feed it and print out another receipt to be displayed on your car's dashboard.

Using parking coupon means you need to buy the coupon from its sales agent, estimate your parking time, scratch the parking coupon(s) after you parked your car, and display the coupon(s) on your car's dashboard.

If you need extra time, you have to walk back to your car, scratch additional coupon(s) and display them on your car's dashboard.

With the initiative from Smart Selangor Delivery Unit (SSDU), now you can pay for street parking in Selangor state as well as in Kuala Lumpur area by using their Smart Selangor Parking mobile app, available for download in Google Play Store and Apple App Store.

In addition, you can also pay for parking summon compound in Selangor state and Kuala Lumpur area using the same mobile app.

Although the user interface of this Smart Selangor Parking app is quite ugly looking, it is indeed a very handy app for you to pay street parking and parking compound in Selangor and Kuala Lumpur. You can use it to monitor the remaining time before your parking period expire, and use it to extend your parking period with ease too!

This app supports payment to multiple councils in Selangor and Kuala Lumpur, and it is able to detect your location and automatically decide which council you should pay your parking to.

The supported councils are:

• Majlis Perbandaran Ampang Jaya (MPAJ)
• Majlis Perbandaran Kajang (MPKJ)
• Majlis Perbandaran Klang (MPK, newly added recently)
• Majlis Bandaraya Petaling Jaya (MBPJ)
• Majlis Daerah Kuala Selangor (MDKS)
• Majlis Perbandaran Selayang (MPS)
• Majlis Perbandaran Sepang (MPSepang)
• Majlis Bandaraya Shah Alam (MBSA)
• Majlis Perbandaran Subang Jaya (MPSJ)
• Dewan Bandaraya Kuala Lumpur (DBKL)

Before using the app to make payment, you need to reload it in a similar way you reload other e-wallets in your phone. Note that the money you loaded into the Smart Selangor Parking app cannot be withdrawn at this moment, so it is not recommended to load too much money into it.

Then you need to register your car number plate in the app. You can in fact register up to 10 number plates under one user account in this app, and select which car number plate to pay for the parking when you use it to make parking payment.

Despite there are still many rooms for improvement in this app, I still strongly recommend it to car owners in Klang Valley area, as it is really very convenient to pay for the parking.

Using Boost to make cashless payment at merchants that accept UnionPay QR code

One year ago, Boost, the e-wallet operated by Axiata Digital, has announced its partnership with UnionPay.

Now, the UnionPay services in Boost e-wallet is finally launched! If you activate the UnionPay services in your Boost account before 31 December 2019, you can get RM3 cashback from Boost.

To activate the UnionPay services, tap on the UnionPay New Payment Service under Explore Exciting New Features in Boost's Home screen.

Then, tap on UnionPay Malaysia under Enable other Payment Services, and follow the instruction to enable it.

Don't worry, if you don't like the UnionPay services in Boost, you are given the toggle to disable it.

With the Boost UnionPay services, you can make cashless payment with Boost at all merchants that accept UnionPay QR code. You just need a handphone with active Boost account with enabled UnionPay services, and no need to have any UnionPay card or UnionPay account to make such payment.

Payment using UnionPay in Boost is similar to using Boost QR code payment. Both modes of you scan the merchant's QR code or the marchant scan your payment QR code are available. The payment amount will be deducted from your Boost e-wallet accordingly.

In Malaysia, UnionPay is widely accepted in airports' duty free shops, hotels, Chinese restaurants, e-commerce marketplaces, convenience stores, and other places that display the UnionPay acceptance signboard.

If you are not a Boost user yet, you can download the Boost e-wallet app from Google Play Store or Apple App Store. When you register a new Boost account, remember to use this Invite Code foocnm9 so that you can get RM3 cashback after your first spending of RM10 in a single transaction with Boost.

Note that you can load Boost e-wallet using BigPay prepaid card, which in turn can be loaded using your credit card, debit card or bank online transfer. In this way, you can earn AirAsia BIG Points from loading Boost with BigPay.

Toothpaste tube squeezer

I bought this toothpaste tube squeezer recently at the price of RM1.00 per piece only, and found it is pretty useful to help you squeeze out the last drop of toothpaste from its tube when it is near empty.

It assists in squeezing the toothpaste out of the tube by pushing force onto itself.

This small little plastic can be used for soft tube packaging of various semi-liquid products, including cosmetic skincare cream, lotion, sun screen, water colour paint, gel, glue, etc.

There are also other types of soft tube squeezer available in the market. I think this type is the simplest and cheapest among them.

Car seat gap filler pad

Have you ever dropped small items such as coins, payment card, handphone, power bank, key, pen, paper, snacks, etc. through the gap between your front car seats and the center console?

Searching and retrieving for such small items underneath your car seat is a mess. What if you are still driving?

The car seat gap filler pad is a brilliant innovation to use soft material padding to fill up the gap, therefore preventing such small items from falling into the gap again.

It is pretty simple in design, very easy and straightforward to install.

When you purchase the car seat gap filler pad, choose the longer one (48cm or more) with elegant PU leather surface. It costs around RM10 each. Normally you need two, one for the driver side, and another for the front passenger side.

This is how they looks like after installation in my car.

Comparing Amaron Go / Hi-Life / Pro car batteries of NS40 NS60 NS70

We learnt about how to choose a better maintenance free car battery earlier on, and understood the various terms such as:

• Size
• Performance rating
• Amp Hour (AH) value
• Reserve Capacity (RC) value
• Cold Cranking Amps (CCA)

With the above knowledge, now we can compare the Amaron brand car batteries, with additional information such as their respective warranty period and indicative price.

Amaron batteries sold in Malaysia are divided into 3 series: Go (economy), Hi-Life (world-renowned) and Hi-Life Pro (ultimate).

Their differences in terms of AH, RC, CCA, weight, warranty period and price are shown in the tables below.

Amaron NS40 batteries:

Amaron NS60 batteries:

Amaron NS70 batteries:

The 3 tables above are courtesy from Big Battery.my.

In general, if there is sufficient space in the battery compartment of your car, and your car is using an NS40 battery, it can be upgraded to NS60 battery. The same goes for cars that are using NS60 battery to upgrade to NS70 battery.

Normally, upgrading to a larger size battery will give you better AH, RC and CCA values, in exchange for heavier weight and more expensive price.

However, for the case of Amaron brand of battery, you need to also look into the different series of the battery as well. For example, the Amaron NS40 Hi-Life series is comparable to the Amaron NS60 Go series, with identical RC value and much better CCA value.

Anyhow, upgrading from Amaron NS40 to NS60, or from Amaron NS60 to NS70, of the same series (eg. NS40 Hi-Life to NS-60 Hi-Life) will give you improvement in all the AH, RC and CCA values, and the price difference between NS40 and NS60 of the same series is not much.

Hope that this piece of information is able to help you to make up your mind with which model specs of battery you want to choose the next time you want to change your car battery, and you've decided to go after the Amaron brand.

Boost free personal accident insurance coverage for bill payment protection

Shortly after Touch n Go e-wallet launched their free personal accident insurance campaign, now Boost e-wallet also introduces a free personal accident insurance coverage for their users, namely the Bill Payment Protection.

You can find it inside the Boost mobile app, under Do more > Bill Payments section.

You will need to enroll for this Bill Payment Protection insurance coverage by provide your personal detail in the enrolment online form after tapping on the Bill Protection menu item as shown above.

Upon successful enrolment, you will receive a confirmation email similar to the one as shown below.

This free personal accident insurance coverage is linked to your bill payments made with Boost using the Do more > Bill Payments > Pay Bills function, including repaying your PTPTN education loan or top-up SSPN-i education fund with Boost.

This insurance is underwritten by Lonpac Insurance Berhad. If you have enrolled for this insurance and have made bill payments of at least RM100 via the Boost app during a calendar month, you will be covered for one month Bill Payment Protection with up to RM1000 sum insured due to Accidental Death, up to RM2000 due to Permanent Disablement, and up to RM1000 hospitalization allowance for accident caused treatment.

The insurance coverage will take effect for 1 month, beginning on the next month after the RM100 Boost spending on bill payments is fulfilled.

You can claim for this insurance in parallel with your other personal insurance coverage. All benefits are paid in addition to and regardless of any other insurance policies you may have.

To enjoy for this insurance benefit, your age must be between 16 to 80.

There are 4 attachments in the confirmation email, which will inform you clearly about this insurance scheme, and how to make the claim. The attachments are:

• Bill Payment Protection Policy
• Bill Payment Protection FAQ
• Claim Procedure
• Claim Form

If you are a Boost e-wallet user, this is something free and nice to have.

Free 3 months Unifi with Pay Nothing year end promotion

Currently TM Unifi is running a Pay Nothing promotion targeted to both new and existing Unifi high-speed broadband users, which waives the monthly subscription fee until 31 December 2019.

For new users, all you need to do is subscribe to new Unifi Home or Unifi Biz Internet service from the list below:

• Unifi 30Mbps unlimited @ RM89/month
• Unifi 50Mbps unlimited @ RM99/month
• Unifi 100Mbps @ RM129/month
• Unifi 30Mbps VDSL @ RM139/month
• Unifi 100Mbos + TV bundle @ RM159/month
• Unifi 300Mbps @ RM199/month
• Unifi Biz Pro 100Mbps @ RM139/month
• Unifi Biz 300Mbps turbo @ RM249/month
• Unifi Biz 500Mbps turbo @ RM299/month
• Unifi Biz 800Mbps turbo @ RM349/month

and you will be able to enjoy your package fee waiver until 31 December 2019. At the most, you will get fee waiver for 3 months consecutively (October, November and December).

For existing users with no outstanding bill payment, all you need to do is to have a new 24 months contract with TM Unifi to enjoy the Pay Nothing year end promotion. You can opt to either:

• remain with your existing plan
• upgrade your plan with a new one from the list above
• downgrade your plan with a new one from the list above

It is advisable for existing users who are enjoying special discount or special package benefit in their existing Unifi subscription to think carefully before opting to change their existing plan, because their current plan could be more attractive than the new plans available.

If you join the promotion and choose to stay with your existing plan, then your plan and price will stay the same as it is, but the contract period will be extended for another 24 months. Upon approval from TM, you will start enjoying the Pay Nothing period until 31 December 2019.  At the most, you will get fee waiver for 3 months consecutively (October, November and December).

Note that the Pay Nothing fee waiver is applicable to your base Unifi subscription plan only. If there is any one time charge or pay-per-use service such as Video On Demand, etc. in your monthly bill, those additional items are still chargeable.

You can apply to join in for this Pay Nothing year end promotion through Unifi website or MyUnifi mobile app. Existing users who do not want to be restricted by the new 24 months contract period can just ignore this promotion and need to do nothing.

You can visit to this webpage for more official information about this promotion from TM Unifi.

Online paying PTPTN / SSPN-i with credit card through Boost

If you are looking for a way to use your credit card to repay your PTPTN loan or to top-up the SSPN-i fund of your kids, you've found the right place here!

The idea is pretty simple: use your credit card to load up your Boost e-wallet, and pay your PTPTN and/or SSPN-i with Boost.

 

The following payment targets are currently supported by Boost:

• PTPTN Konvensional
• PTPTN Ujrah
• PTPTN SSPN-i
• PTPTN SSPN-i Plus

If you also have an AirAsia BigPay account, you can make use of the following way to get the best out of both e-wallets while paying your PTPTN and/or SSPN-i using your credit card.

First of all, make sure you have enough balance in your BigPay account to make the payment. If you have insufficient balance, load it with your credit card. Your BigPay e-wallet can store up to RM10,000 in it.

After that, in your Boost e-wallet, set your BigPay Mastercard as your top-up source.

Your Boost e-wallet can store up to RM1,500 in it. For every RM10 Boost top-up you made using BigPay Mastercard, you will earn 1 BIG Point in your AirAsia BIG Rewards account. If you reloaded RM1,500 into your Boost e-wallet using this method, you will get 150 BIG Points.

Before you proceed to make your payment in Boost, you can look for any Mission available in Boost that is relevant to your payment to be made, such as the one as shown below.

 

Remember to activate your Mission first, before you proceed to make your payment. You will have chance to earn some money by completing Mission in Boost.

To make payment to your PTPTN and/or SSPN-i account, go to "Do more" menu (tap on the Boost's heart shape icon on the top menu), and tap on "Pay Bills".

Search for PTPTN / SSPN-i under the Loans list. Currently they are listed at the very bottom of the page. You can make use of the quick search function inside the Select Utilities page to seek for them.

After that, just follow the on screen instruction to complete your payment. Note that RM1.00 will be charged by Boost and deducted from your payment amount.

Your payment should be reflected in your PTPTN / SSPN-i account within one working day, and you will receive a notification email from PTPTN as confirmation of your payment made.

Note that you can join the SSPN-i and SSPN-i Plus lucky draw contest if you top-up your account now.

Lastly, remember to repay your credit card when your statement comes. You can earn some cashback using this method if your credit card is of cashback type. Note that not all cashback credit cards are giving cashback for AirAsia BigPay reload and/or Boost reload. If you are using credit cards that give reward points, you can earn some reward points instead.

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