FIFA World Cup Russia 2018 soccer match schedule

The 2018 FIFA World Cup Russia is near the corner now!

It will start on 14 June 2018 and last for one month until 15 July 2018.

You can look up to the schedule of all its matches in this website:
http://www.fifa.com/worldcup/matches/index.html
You can also click here to download the match schedule in PDF file.

The time shown on the webpage is Russia local time. Just click on "change to your time" to switch it to your local time. Remember to adjust the date yourself because the date shown on the webpage will remain as the date in Russia as well.

The first match will be Russia vs Saudi Arabia at 14 June 2018 6pm.

You might also be interested to read about:

• The historical relationship between FIFA World Cup and stock market performance

Geert Hofstede 6-Dimensions model of national culture

Professor Geert Hofstede, a well-known Dutch social psychologist, has devoted most of his life in a very comprehensive study of worldwide cultural differences and how the culture will influence the values in the workplace.

He analysed a large database of employee values scores collected by IBM, between 1967 and 1973, covering more than 70 countries, from which he first used the 40 largest only and afterwards extended the analysis to 50 countries and 3 regions. The study continues covering more and more countries and regions.

Hofstede defines culture as “the collective programming of the mind distinguishing the members of one group or category of people from others”.

He and his research fellows Gert Jan Hofstede and Michael Minkov have written some books to discuss and explain about his cultural studies, including:

• Cultures and Organizations: Software of the Mind, Third Edition (Business Skills and Development)
• Culture′s Consequences: Comparing Values, Behaviors, Institutions and Organizations Across Nations
• Masculinity and Femininity: The Taboo Dimension of National Cultures (Cross Cultural Psychology)
• Cross-Cultural Analysis: The Science and Art of Comparing the World′s Modern Societies and Their Cultures

Hofstede's research team have developed the 6-dimensions model of national culture, deriving each dimension of a country by comparing many other countries in the world.

The 6 dimensions are:

• Power distance - the extent to which the less powerful members of organizations and institutions (like the family) accept and expect that power is distributed unequally.
• Individualism vs. Collectivism - which people feel independent, as opposed to being interdependent as members of larger wholes.
• Masculinity vs. Feminility - the extent to which the use of force in endorsed socially.
• Uncertainty avoidance - deals with a society’s tolerance for uncertainty and ambiguity.
• Long-time orientation - deals with resistance to change.
• Indulgence - about the good things in life.

Hofstede has put up a website for you to find out the 6 dimensions score of a particular country, with detail explanation of each of the 6 dimensions in the context of that country. In that website, you can even compare the 6 dimensions of a country with up to 2 other countries.

The URL of the said website is:
https://geert-hofstede.com/countries.html

Interestingly, you will find out cultural differences exist among countries that are close with each others, such as Malaysia, Singapore and Indonesia.

In fact, cultural differences also exist among China, Hong Kong and Taiwan, which their society are all Chinese majority - supposingly should have a lot of common in culture.

And here is the comparison among India, Bangladesh and Pakistan...

SoGoSurvey - free unlimited online survey platform for students

Nowadays there are quite a number of online survey platforms available in the Internet, many allow you to sign up a free trial account which will restrict you on the features and functions available, and most importantly, on these 3 crucial quotas:

• The maximum number of surveys you can have.
• The maximum number of questions per survey.
• The maximum number of responses you can accept.

SoGoSurvey allows you to sign up a free for life Basic Plan account with 15 surveys, 30 questions and 125 responses, which is pretty generous compared with most of its competitors. With these combination of quotas, you can probably run 1 or 2 serious online surveys and perform in-depth analysis to the responses using its built-in reporting tool.

If you are a student and your coursework requires you to conduct surveys, good news is you can request to upgrade from Basic Plan to Student Plan for free,  provided you've fulfil some simple requirements (click here or here for more detail).

With a Student Plan account, you'll get all the features and functions available to their Plus Plan (click here or here for more detail of available plans and their comparison), and most importantly, you can now conduct unlimited surveys with unlimited questions and receive unlimited responses, for free. This will enable you to make use of SoGoSurvey to conduct all the surveys needed in your entire course of study.

If you need to use more advanced features and functions, you can also further upgrade to Pro or Enterprise plan with big student discount. Beside students, SoGoSurvey also provides special discount for academic institutions, universities and non-profit organizations.

There are at least 3 steps in using SoGoSurvey. First, you design your survey, either creating from scratch, or copy from existing, or making use of ready made template in Survey Bank.

 

Then, you publish your survey and distribute your invitation to your target respondents. You can have each of the target respondents having a unique URL to access to your online survey, or to use a shared general URL. After you've collected some data, you can start analysing the responses using the Report tool.

You can also export the data to your own computer for your own keeping and analysing/reporting using your own tool such as MS Excel, SPSS, PSPP, etc.

Beside putting up surveys with Survey Tool, there are also step-by-step Poll Tool and Assessment Tool for you to conduct poll and/or assessment, which structure is less complicated than a survey.

SoGoSurvey's designer is WYSIWYG type. You can create single-lingual, bi-lingual or even multi-lingual surveys with it. You can organize your survey questions into separate pages. The survey pages will show nicely on browser screen, tablet screen and smartphone screen, which you can preview in the designer.

Simple branching of questions is available in Basic Plan. More complex branching is available in Student Plan, Plus Plan and onwards.

You will see a green colour keyhole icon for all the features and functions not available in your current plan. For example, available and unavailable question types for Basic Plan is as below.

Once you successfully upgraded to Student Plan or Plus Plan, your available question types will become as below.

With the Student Plan / Plus Plan, you are able to generate 2-level or 3-level cross tab reports, which is very handy in analysing data with relationship, particularly when linked with demographics, such as "how many females agreed with this?" and even "how many females at age 18-24 agreed with this?".

Some remarkable features in SoGoSurvey that I like including:

• It has an option to allow participants to print out a copy of their own survey response.
• Even after the survey has gone live, minor editing to the survey, such as making change in wording, is still possible.
• You can customize your survey's looks-and-feels by using the Visual Settings.
• It can generate beautiful reports, enabling you to perform in-depth analysis to your data collected.

Online renewing Malaysian passport with MyONLINE*PASPORT website

Renewing Malaysian passport at the immigration office has been a time consuming process that can easily cost you half a day to even a full day.

The good news is: now Malaysian can renew their passport using the online service provided by the  MyONLINE*PASPORT website.

With this service, you can complete your password renewal application, together with its payment, anytime and anywhere by using your web browser. Then, you just need to go to the immigration office of your choice to collect your new passport, which will take you probably less than 30 minutes counted from the time you step in the immigration office.

The prerequisites to use this online passport renewal service for Malaysian are as below:

• You must have a valid Malaysian passport with electronic chip.
• For children under 18, the renewal applicant must be the same person who applied for the existing passport.
• You must get ready a JPG file of your recent passport size photo that fulfil the requirement, to be uploaded during the online renewal application.
• You must have a valid credit card to make online payment.
• You must have a printer to print out the receipt, to be used to collect your new passport at the immigration office.

The steps are as follow:

• Get ready your photo.
• Use your web browser to go to MyONLINE*PASPORT website.
• Read the terms and conditions, and click on the "Agree" button.
• A popup window will appear, click on the "OK" button.
• Fill in your existing passport and IC detail. Specify your choice of location to collect your new password. Search for your passport detail in the system.
• Fill in the online application form, upload your photo, and submit your application.
• Make online payment using your credit card. For normal 5-year Malaysian passport, the fee is RM200. Senior citizens above 60 years old will get 50% discount.
• Print out the receipt.
• Bring the receipt, your existing passport and your IC to the designated location to collect your new passport.

You can also go to the same website to check for your passport renewal application status.

It seems that many are still unaware about this online passport renewal website, because the website currently shows the number of online application so far is only 3380. Feel free to bookmark this article and share it with your family, relatives, friends and colleagues.

Stock fundamental ranking and screening with James O'Shaughnessy Trending Value

James Patrick O’Shaughnessy is the founder of quantitative money management firm O'Shaughnessy Asset Management, LLC.

In 1996, he wrote the best selling book "What Works on Wall Street", which has now evolved to its 4th Edition.

In the 3rd Edition of this book published in 2005, O'Shaughnessy unveiled the Cornerstone Growth stock screening method, which is based on the following criteria:

• Market capitalization >= $225 million
• 3-month average daily share volume >= 100,000
• Price-to-sales ratio <= 1.5
• 3-month total return greater than the median return of Russell 3000 companies
• 6-month total return greater than the median return of Russell 3000 companies
• Trailing 12-month EPS > 0
• Rank by highest 12-month total return

Subsequent to that, the 4th Edition of the book, published in 2011, introduced the improved Trending Value growth stock screening method, which claimed to achieved 21.19% annualized return over the 46-year period between 1964 and 2009.
Trending Value uses “value composite” (VC) instead of just the Price-to-sales ratio to measure stock undervaluation, which O'Shaughnessy described as "the top stock-market strategy of the past 50 years".

The value composite is composed of 6 value factors:

• Price-to-Book
• Price-to-Sales
• EBITDA/EV
• Price-to-Cashflow
• Price-to-Earnings
• Shareholder Yield

Listed companies in a stock market are divided into 100 groups (percentiles) based on the 6 value factors above. If a company's price-to-book ratio is in the lowest 1% of the dataset, it gets a score of 1. For some ratios it's the other way around, for instance EBITDA/EV. If a company belongs to the highest 10%, it gets a score of 1. If a value is missing, it gets a score of 50.

The same calculation is repeated for each of the ratios and then their values are summed up together. Companies are again divided into 100 groups based on this score. This final result is the so-called value composite.

A value composite of 1 means that the company belongs to the 1% cheapest companies according to these factors.
In the next filtering process, only the top 10% stocks ranked according to this value composite score are selected. Then these stocks are further filtered by a momentum factor, i.e. the 6-month price index. The result is an extremely cheap group of stocks that have been on the rise during the last 6 months.
O'Shaughnessy tested 3 different value composite scores as follow:

• VC1: based on the first 5 ratios only, excluding shareholder yield. By using this ratio his backtests showed a return of 17.18% annually.
• VC2: based on all 6 ratios. O'Shaughnessy uses this ratio in his trended value screen since his backtests showed an improvement in overall annual compound return of 12 basis points to 17.3%, a reduced standard deviation and downside risk.
• VC3: same as VC2 but the last ratio is replaced by buyback yield. Some investors are indifferent whether a company pays out a dividend or want to avoid these since they can be very heavily taxed. This VC generates an even higher return of 17.39% annually but with a slightly higher standard deviation compared to the VC2.

At the time of writing,  ValueSignals website ranked KLM Royal Dutch Airlines (KLMR.PK) with the following scores:

• VC1: 1
• VC2: 1
• VC3: 1

The value factors of KLMR.PK compared with the entire market, the Industrials sector, the Transportation group, and the Airlines industry, respectively, is as below:

However, KLMR.PK only ranked at 4,842 in Magic Formula screening method:

Anyhow, it still has a respectably high Piotroski F-Score:

ValueSignals website provides a very handy and straightforward online service for systematic value investing to perform quantitative stock screening, stock comparison and stock information, currently covering as many as 33,600 stock counters listed in 44 countries around the world.

Beside O'Shaughnessy Value Composites, ValueSignals website is also able to perform screening (including multifactor cross-screening) of:

• Piotroski's F-Score
• Greenblatt's Magic Formula
• ERP5
• Altman's Z-Score
• Beneish’s M-Score
• Benjamin Graham's Net Current Asset Value (NCAV) to Market ratio
• EV/EBITDA
• Price index
• ... and many more

The screening can be performed across all stock counters, or limited to within certain regions,  countries, industries, etc.

As a user of ValueSignals, I recommend this website to all serious value investors and fund managers to boost your stock screening and selection process.

Stock fundamental ranking and screening with Greenblatt Magic Formula

In 2005, Joel Greenblatt published a book titled "The Little Book That Beats the Market" and introduced his Magic Formula value investing method to the world. The book was supposedly wrote to teach his own children, in his Jewish family, about investment. That book became a New York Times bestseller with over 300,000 copies in print.

In 2010, the books content was updated, and its new edition is now called "The Little Book That Still Beats the Market" which you can still find in bookstores (both physical and online) now.

Joel Greenblatt is a hedge fund manager running Gotham Asset Management (formerly known as Gotham Capital) which claimed to have achieved an impressive annualized return of 40% from 1985 to 2006. He is also an adjunct professor in Columbia Business School teaching the subject of "value and special situation investing".

Greenblatt operates the Value Investors Club website for value investors around the world to freely join and share investment ideas. Another website of him is Magic Formula Investing, which is a free online stock screener (for stocks listed in USA only) based on his Magic Formula.

In his book, Greenblatt explained that in order to get above-average returns, one should buy companies with above-average return on capital at below-average prices. To find those companies, he first filters the stocks by eliminating certain industries including Utilities and Financials, which he found not applicable to his Magic Formula.

After that, he narrows down the search by filtering the companies based on market capitalization. Greenblatt suggests to apply Magic Formula to companies with market capitalization of above US$50 million. You can adjust this filter to search between large caps, mid caps and small caps targets.

Then he ranks the remaining companies based on 2 ratios:

• Earnings Yield
• Return on Invested Capital (ROIC)

whereby...

Earnings Yield = EBIT / EV

which...

Enterprise Value (EV) = (Market Cap + Total Debt + Minority Interest + Preferred Stock − Cash & ST Investments)

and that:

ROIC = EBIT / (Net Fixed Assets + Net Working Capital)

whereby...

Net Fixed Assets = (Total Assets - Total Current Assets - Goodwill)

Net Working Capital = (Current Assets − Current Liabilities)

There are reasons why Greenblatt uses ROIC in his Magic Formula instead of ROE or ROA or other similar return ratios, and Hurricane Capital has written an article to explain about this.

At the time of writing, ValueSignals website ranked Sandridge Mississippian Trust II (NYSE:SDR) which operates in oil and natural gas sector at the top of Greenblatt Magic Formula screening.

However, SDR only scored a low 3 in Piotroski F-Score.

If you apply both the screeners of Greenblatt Magic Formula and Piotroski F-Score now, you will find magicJack VocalTec Ltd. (NASDAQ:CALL) on top of the list.

It ranks #4 in Magic Formula screening result, and scored a 7 in Piotroski F-Score test.

 

This combined screening is expected to produce better result than just using a single screening factor.

ValueSignals website provides a very handy and straightforward online service for systematic value investing to perform quantitative stock screening, stock comparison and stock information, currently covering as many as 33,600 stock counters listed in 44 countries around the world.

Beside Greenblatt's Magic Formula, ValueSignals website is also able to perform screening (including multifactor cross-screening) of:

• Piotroski's F-Score
• O'Shaughnessy Value Composites
• ERP5
• Altman's Z-Score
• Beneish’s M-Score
• Benjamin Graham's Net Current Asset Value (NCAV) to Market ratio
• EV/EBITDA
• Price index
• ... and many more

The screening can be performed across all stock counters, or limited to within certain regions,  countries, industries, etc.

As a user of ValueSignals, I recommend this website to all serious value investors and fund managers to boost your stock screening and selection process.

Stock fundamental ranking and screening with Piotroski F-Score

Piotroski F-Score was introduced by Professor Joseph D. Piotroski in his paper titled "Value Investing: The Use of Historical Financial Statement Information to Separate Winners from Losers" published in January 2002 while he was teaching as an assistant professor in University of Chicago. He is now teaching in Stanford University Graduate School of Business, and has just promoted from associate professor to professor in 2016.

You can click here to download that interesting 39-pages paper written by Piotroski on his F-Score.

Piotroski backtested his F-Score screening method in his paper and concluded that by investing in the low price-to-book ratio companies filtered by the F-Score, one could have generated a 23% average yearly return from 1976 to 1996.

Today, Piotroski F-Score is used by quite a number of fund managers as well as individual investors in their value investment stock screening process. The F-Score has also been applied in many other academic papers and has so far proven to be effective for stock screening, especially when combined with other fundamental stock screening methods, such as Greenblatt's magic formula, etc.

A backtest by Olivier Dambrine (owner of MFIE Capital which operates the ValueSignals global stock screening website) revealed that a European stock portfolio establised by their Piotroski price-to-book screener is able to achieve an impressive 525% return between June 1999 and August 2011, while at the same period of time the  S&P600 Europe including net dividends has a return of -15%. You can click here to read that article written by Olivier Dambrine on 1 September 2011.

The American Association of Individual Investors (AAII) also revealed in an article titled "2008 AAII Stock Screen Roundup: Piotroski Strategy Defeats the Bear" by Wayne A. Thorp that the F-Score was the only one of their 56 screening methodologies that had positive results in 2008 (up 32.6% on average across 5 stocks, versus -41.7% for all of the AAII strategies over the same period).

Piotroski F-Score is the sum of 9 binary (meaning, either 0 or 1) scores in 3 fundamental categories of the stock, as below:

Profitability:

• Did the company make a profit during the last 12 months?
• Did it generate any cash?
• Was it more profitable compared to the prior year?
• Did it make more cash than the reported profit?

Leverage, Liquidity and Source of Funds:

• Did the company increase its relative LT debt compared to the prior year?
• Did the company improve its ability to pay short-term liabilities  (debt and payables) with its short-term assets (cash, inventory, receivables)?
• Was the company not required to issue new shares to pay for its future obligations?

Operating Efficiency:

• Was the company able to improve its margins on sales?
• Was the company able to improve productivity?

The above 9 criterias are tested by the following financial conditions, comparing the current year with previous year:

• ROA > 0, EPS > 0
• Operating cash flow > 0
• ROA growth
• Operating cash flow > Net profit
• (Assets / LT Debt) increased
• Current Ratio increased
• Share Outstanding remains
• Gross Profit Margin increases
• Asset Turnover increases

An example of stock counter having full F-Score is Forrester Research Inc. (NASDAQ:FORR).

You might want to double check if the counter is consistently scoring high F-Score throughout the years, or has been improving from lower F-Score to higher F-Score across the period. Below is the historical Piotroski F-Score Scorecard of Forrester Research Inc. as presented by ValueSignals website.

The scorecard above shows that the F-Score of the stock counter improved from quarter to quarter, from 5 in 2013 eventually to 9 in mid-2016. It also indicates which out of the 9 criterias had passed or failed the test in each of the quarters.

ValueSignals website provides a very handy and straightforward online service for systematic value investing to perform quantitative stock screening, stock comparison and stock information, currently covering as many as 33,600 stock counters listed in 44 countries around the world.

Beside Piotroski F-Score, ValueSignals website is also able to perform screening (including multifactor cross-screening) of:

• Greenblatt's Magic Formula
• O'Shaughnessy Value Composites
• ERP5
• Altman's Z-Score
• Beneish’s M-Score
• Benjamin Graham's Net Current Asset Value (NCAV) to Market ratio
• EV/EBITDA
• Price index
• ... and many more

The screening can be performed across all stock counters, or limited to within certain regions,  countries, industries, etc.

As a user of ValueSignals, I recommend this website to all serious value investors and fund managers to boost your stock screening and selection process.

MEGA cloud storage with 50GB free quota and secured RSA-2048 encryption

Nowadays there are at least twenty over cloud storage service providers. Some of them provides free quota usage, such as the famous Dropbox (2GB), Google Drive (15GB), Microsoft OneDrive (15GB), pCloud (10GB), etc. while some other don't.

If you are looking for large amount of free storage, probably to store your precious videas, photos, disc images, etc., you should take a look at MEGA which generously provides 50GB free quota.

MEGA was founded in New Zealand by Kim DotCom in 2013, who was also the founder of the famous file-hosting website Megaupload. Megaupload was shut down by US government after being accused for copyright infringement. Anyhow, MEGA says Kim DotCom has already resigned as director since August 2013.

MEGA has on 23 August 2016 announced that they've reached a milestone of 50 million registered users with more than 20 billion files stored in their cloud service.

There is an article in Cloudwards posted in 18 September 2015 comparing MEGA with Google Drive, OneDrive, Dropbox, SugarSync and SpiderOak, and concluded with the following comparison table:

(Comparison table from Cloudwards website)

MEGA can be accessed with any one of the following medium:

• MEGA Sync client for Windows, Mac or Linux
• MEGA mobile app for Android, iOS, Windows Phone or Blackberry
• MEGA web browser extension for Chrome or Firefox

Its usage experience is similar to Dropbox, Google Drive, OneDrive, etc. Its upload/download speed for free users is OK, I can get about 2 Mbps speed as shown below.

With its generous 50GB storage for free users, I find MEGA pretty attractive as a cloud storage for my videos, photos, disc images and other big files.

Note that users of Microsoft Office 365 are getting 1024GB bundled quota in OneDrive, which is much more larger than this 50GB. So, if you are genuine user of MS Office 365, you can make good use of your bundled 1TB space in OneDrive too.

HTC flagship smartphone users can also claim for 2 years usage of 100GB free additional storage in Google Drive through the pre-installed Google Drive app in the new phone. Beware that after 2 years, this 100GB additional storage quota will be revoked, unless you buy another new HTC flagship smartphone, and provided this offer is still available by then.

Changed my car battery with The Battery Shop

I've just changed my car battery today with the service from The Battery Shop.

My old battery was still able to crank up the car engine, after serving for about 2 years. I decided to make an appointment with The Battery Shop for a free onsite checking, after experienced 2 times of car clock reset itself to 12:00 and 1 time of all the radio station preset memory gone. Yesterday, the VST-706 voltmeter in my car has shown unstable voltage that kept on changing within the range of 13.0V to 14.8V when the car is running.

2 young men arrived at my home right on time of the appointment. They called me about 40 minutes earlier to conform the appointment before they came.

They checked my car electrical system and informed me the car alternator is working fine. They found greenish residue developed at the anode terminal of the old battery. Decision was then made to replace the old battery with a new Korean brand Atlas BX 75D23L sealed maintenance free (SMF) battery.

They kept my car engine running during the changing of battery. The whole process was less than 5 minutes. All the settings and memory of the car's clock and radio system are still remained after the battery swap.

Here is my car's new battery, up and running at its place. The voltage supplied is now stable at around 14.2V when engine is running with this new battery.

The Battery Shop's onsite service (delivery, inspection and installation) at Klang Valley area is free of charge. The 2 young technicians I met were polite and the job was professionally done. I was given a RM20 discount, and the new battery cost me RM310. This price is quite reasonable, as 75D23L battery is of higher spec than 55D23L and therefore carries a higher price tag.

The new battery comes with 12 months warranty with warranty card and a car sticker. The technicians informed me that if they see this sticker on my car's windscreen during their next service, they will provide RM20 discount for the next battery change.

I am aware that The Battery Shop is in direct competition with BateriKu. The brands that they carry are different, and the team is also different. If you prefer Atlas BX or GP, you can contact The Battery Shop; if you prefer Century, Yuasa or Astra, you can contact BateriKu.

Scholarship2u website and Scholarship Fair 2016

Scholarships2u.com is an interesting website, acting as a one-stop gateway portal to scholarship information and application for Malaysian students of secondary school, college, or university up to Master degree, to study either locally or abroad.

The website aims to make finding the right college and scholarship faster than before with just a click of the button. Students can apply to scholarship offered by multiple institutions, and are required to sit for a scholarship test as assessment to the application.

The basic criteria to meet scholarship eligibility are school transcripts, achievements, family background and etc. The criteria, however, differs from country to country, state to state and even college to college.

The website is a good initiative for parents and students seeking for scholarship as financial aid to study. However, I find that improvement could be made for the website to list the scholarships offered in a better way, and to provide a better search function. Apparently, the website is using Wordpress as its platform, which has many limitation for its feature expansion and future growth.

The website is organizing Scholarship Fair 2016 with over RM10 million worth of scholarship to be offered for studying in  world class schools, colleges and universities from Australia, Malaysia, Switzerland, USA and United Kingdom.

Date: 23 July 2016 (Saturday)
Time: 1pm - 6pm
Venue: Eastin Hotel, Petaling Jaya
Admission: Free for first 1,000 registrations

For registration and more information about the Scholarship Fair 2016, click here to visit to Scholarships2u.com website.

Online free search of registered company name and purchase of their company profile with SSM e-Info website

If you are going to start up a new business in Malaysia and would like to check whether the company name you thought of is available or not, now you can check it online for free, with SSM e-Info website.

Other than the above purpose, you can use the same website to check a Malaysian company's information at a small fee payable online. Available information including:

• Company profile: consists of company information, summary of share capital, directors/officers, shareholders, company charges and account summary.
• Company charges: extraction of information from Form 34 (Statement of Particulars to be Lodged with Charge) and Form 40 (Certificate of Registration of Charge).
• Financial comparison: extraction of information from 2 most recent Audited Balance Sheet and Profit and Loss Account of the company.
• Business Profile (for LLP, sole-proprietary, partnership): consists of business information, business address, nature of business, branch information (if any) and current business owner.
• Business Termination Letter: certification of termination of registered Business from SURUHANJAYA SYARIKAT MALAYSIA which verify that the Business is expired or terminated.

In the good old days, you need to go to the office of Companies Commission of Malaysia (Suruhanjaya Syarikat Malaysia, SSM) to perform the searching, checking and information purchasing. This SSM e-Info website eliminates the hassle by making the service available online.

Before you can perform any searching in the website, you need to register a user account by clicking on the "Register Now as e-Account Member" image link on the website. The registration is free and once your account is successfully registered, you can immediately login and make use of the services available.

You can search the company or business by name or by registration number.

If no search result displayed, then the company name you searched for is probably available for new registration application.

If the search found any matching company/companies or business/businesses, it will display their registration number, name, city and state in search result, and you can click a button to purchase further information of the company/business.

Visualized map of real-time air quality index and forecast of air pollution level

It has been for quite some times the haze resulting from huge forest fires in Indonesia has created a cloud of smog over itself and the neighbouring Malaysia, Singapore, Brunei and southern Thailand.

Here is a website that gather official data of air quality index (AQI) or air pollution index (API) from all around the world, and publish the information in a visualized map and charts. Its URL is: http://aqicn.org/map/

From the website, you can immediately know the current and also forecasted air quality level of a country, region or city.

The URL for Malaysia AQI map is:
 http://aqicn.org/map/malaysia/

(Screen captured on 15 September 2015)

The URL for Singapore AQI map is:
http://aqicn.org/map/Singapore

(Screen captured on 15 September 2015)

The URL for Kuala Lumpur AQI map and chart is:
http://aqicn.org/city/kuala-lumpur/

(Screen captured on 15 September 2015)

Colour indicators in the map and chart:

• Green = healthy
• Yellow = moderately unhealthy
• Orange = unhealthy
• Red = very unhealthy
• Purple = extremely unhealthy

Khan Academy - the free online tuition website

I would like to share with you a great online tuition (e-learning) website called Khan Academy (http://www.khanacademy.org/), founded by Salman Amin Khan (a.k.a. Sal or Khan, born 11 October 1976) with the ambition "to provide a free, world-class education for anyone, anywhere".

Salman Khan is a Bengali American who graduated with multiple Bachelor degrees  (mathematics, electrical engineering, and computer science) and multiple Master degrees (electrical engineering, and computer science) from M.I.T. He is also an MBA graduate from Harvard Business School.

Khan is not only very knowledgeable in mathematics and science, but also very good in explaining and teaching things in a very easy to understand manner.

He started this venture in 2003,  tutoring his cousin Nadia mathematics over the Internet using Yahoo!'s Doodle notepad. His tutorials are so interesting and attracted more and more relatives and friends of Nadia to join in, until he established the Khan Academy channel in Youtube to upload his tutorial videos and made free access to everyone.

Today, Khan Academy website hosted thousands of educational video lessons, encompassing mathematics, physics, biology, chemistry,  organic chemistry, health and medicine, cosmology, astronomy, economics, finance, history, music, arts, computing, etc., from primary school level until college level.

These videos  have been viewed over 500 millions times.

As a non-profit educational organization, Khan Academy operates solely on donations. It doesn't charge you any money to access the website and all the content in it, and the content does not have any annoying advertisement too.

The Khan Academy website is simple, straightforward and easy to use. Parents and teachers can link their account with their own children and/or students to monitor and provide guidance for their learning progress in Khan Academy.

This is a very good online tuition website for yourself as well as for your children and/or students. It is fun to learn from its video tutorials. It is highly recommended by many people who has benefited from it, including Bill Gates.

How to change the default search engine in Microsoft Edge web browser from Bing to Google or others

Microsoft Edge is the web browser that comes together with MS Windows 10, which is made to replace Internet Explorer.

By default, it will use Bing as its search engine to search for the keywords you typed in its search bar. If you want to change the search engine to Google, Yahoo, Baidu or others, follow the steps below.

First, you need to use Microsoft Edge to visit to the webpage of your preferred search engine, eg. http://www.google.com.

Then, go to the Settings panel.

Scroll down to Advanced Settings section, and click on the "View advanced settings" button.

Scroll down to "Search the address bar with", and select "".

You should now be able to see "www.google.com". Select it and click the "Add as default" button.

You can repeat the steps above to add in more search engines to the selection list.

If your Mozilla Firefox web browser can no longer access certain HTTPS websites, try this fix

Mozilla Firefox version 39 onwards will by default block the HTTPS connections to web servers using weak ephemeral Diffie-Hellman (DH) keys.

Bear in mind that by default, Firefox is set to automatically update itself from time to time, so your version will eventually be updated to version 39 and above.
This is a security measure against the Logjam attack. You can click here to read more about this Logjam attack.
If you visit to an affected website using HTTPS connection with Firefox, you will see the following error message:

Affected websites including the webmail of older version of Zimbra Collaboration Suite. Click here for more detail.
You can fix this by installing the Disable DHE 0.1.2 Add-on by Mozilla to Firefox.

To install, go to Menu > Add-ons in Firefox, and search for "Disable DHE". Once you found the add-on, click the Install button to install it.

Restart Firefox and check if this fix works for you.

Popular Bookstore has gone online, finally

Popular Bookstore in Malaysia has finally gone online, and their website is https://www.popularonline.com.my.

Although this online bookstore website has both Simplified Chinese and English version, most of the contents are in Chinese. As a result, if you switch to the English option, only the framework language of the webpage will change to English, the content will remain as Chinese.

From today until 2 August 2015, if you found any bug in this online bookstore and report to them, they will give you a 30% discount voucher.

If you register a new account in this website before 2 August 2015 (inclusive), they will also give you a RM8 cash voucher, but the redemption period is until 9 August 2015 only.

JetBox air-cond cleaning service by Dustbox Solutions

Dustbox Solutions has just performed an impressive cleaning service for the 4 units of air conditioners at my home today.

Engaging a good air-cond cleaning service provider is not easy. The price to clean one unit of split wall-mounted air-cond (for both indoor and outdoor unit) in Klang Valley can range from around RM75 to around RM200.

The price tag might or might not be related to the following factors:

• Type of cleaning (e.g. chemical clean, water clean, ...)
• Type of air-cond (e.g. inverter type normally cost more, higher HP normally cost more, ...)
• Technology use
• Comprehensiveness of the scope of service
• Workmanship
• After service warranty period

The Jetbox air-cond cleaning service by Dustbox Solutions cost me RM120 per unit, regardless of the HP of the air-cond, which I find is value for money. All my air-conds are normal type (not inverter type), and the one with the highest power is 2 HP.

The payment can be made using credit card on their website while booking for their service online. There will be surcharge if you opt to pay by cash when the actual service commenced on site.

The company sent 2 workers to my house, and they used about 45 minutes to clean one unit of air-cond with their JetBox power cleaning technology. They carry a blue JetBox with them to perform the cleaning, which I was told the machine is R&D from their own company.

They have even put up the video below in YouTube to explain about the JetBox indoor unit service.

The scope of service covers:

• Outdoor unit checking for compressor fan, running capacitor, refrigerant gas pressure, and copper pipe liquid.
• Indoor unit checking for swinging flap function, water leaking observation, visual check, air temperature check, and air flow check.
• Refill of R22a gas.
• Outdoor unit cleaning with chemical, rinse the condenser coil and compressor cover, check fan bearing and lubricate.
• Indoor unit cleaning with chemical covering coil unit, barrel fan, covers, filters, louver & drain pan, treat condensate drain with anti-algae, disinfect and wipe cover.

I was given a detail service report for each unit of the air-conds (the scope of service listed above is copied from the checklist in the report), and 3 months of workmanship warranty.

If there is any faulty in terminal wire, supply wire, relay/fan capacitor, compressor, motor, gas leakage, run capacitor, etc., their worker can perform a repair for you with additional repair charges.

I am satisfied with their service and will engage them again for air-cond cleaning service in the future.

How to check if a merchant in Malaysia is eligible to collect GST from you

A merchant in Malaysia can only collect the goods and services tax (GST) from its customers after it has registered with the Royal Malaysian Customs Department as GST taxpayer and obtained a unique GST ID.

The merchant need to print out its company name, company full address, and GST ID on its tax invoice with serial number to its customers. The tax invoice could be a full tax invoice with customer's name and address, or a simplified tax invoice without the customer's name and address (i.e. cash sales).

If the merchant did not registered with the Royal Malaysian Customs Department as GST taxpayer, or does not issue tax invoice (either full or simplified) in valid format to its customers, it is not eligible to collect GST from the customers.

We can check for the registration detail of a GST ID in the website https://gst.customs.gov.my/TAP/_/ to ensure that the GST ID is valid and the registered merchant name belongs to the right supplier which we purchased the goods/services from.

You need to click on the "Lookup GST Status" link after you reached the screen as below:

Beside checking using GST ID, we can also check for the GST registration detail by using the merchant's business registration number or company name.

You need to click on one of the 3 radio buttons to select checking by which criteria.

Then, key in the search item and hit Enter. The result will be shown below.

I found that there are a lot of rooms of improvement for this online GST registration checking system, including:

• This website is not mobile friendly. It lacks a mobile user interface when accessed by handphone or tablet.
• We cannot access to the lookup screen directly, and must go through the main page and click the "Lookup GST Status" link. The system should have a direct link to reduce one step of using it.
• Suggest to have a mobile app beside this website. The mobile app should have OCR function for us to scan for the GST ID / company name / company registration number from the tax invoice using the phone's camera, so that we don't need to manually key-in the information to perform the search.

The most effective way to contact with Maybank customer service is Facebook

If you want to contact with Maybank customer service to get help regarding your banking enquiry or problem with them, what would you do?

Go to the Customer Service page of Maybank2u website and fill in the form? You are very likely to end up with an error message after you clicked the Submit button, and your message is not sent.

Make a phone call to their customer service hotline number? You are very likely to be kept waiting for a long period of time, and need to be extremely patient to wait for somebody to pick up your call.

Email to them? I couldn't find any official customer service email published in their current Maybank2u website.

I finally found the most effective way, which is to write message to their official Facebook account. You can do so by sending private message to Maybank with this link: https://www.facebook.com/messages/Maybank

I got their Facebook PM reply within 15 minutes after I sent my message to them, and they also responded to each subsequent interaction within 15 minutes too. I got my problem solved after a few message sending and reply. The problem solved within 1 hour from my 1st message to them.

Well, if you are not still attended after PM to them, you can try leaving a comment in their Facebook page. The URL is: https://www.facebook.com/Maybank

Applying for ETA online to travel to Australia

I am going to travel to Australia, and I need a visa to enter into the continent. The fastest and easiest way is to apply for an Electronic Travel Authority (ETA) online.

The ETA provides authorization for visitors holding a valid passport from Malaysia, Singapore, Hong Kong, Brunei, Japan, Korea, USA or Canada to travel to and enter Australia.

The ETA is valid for 1 year from the date of application, or until the expiry date of your passport, whichever earlier. With an ETA, you will be able to have multiple entries to Australia until its expiry date. for each entry, you can stay in Australia for a period of up to 3 months.

The service charge to apply for an Australia ETA is AUD$20 payable online with credit card (Visa, MasterCard, American Express, Diners Club, or JCB) when making the application. If your ETA is rejected for any reason, this service charge is non-refundable.

You need to be located outside Australia when making an ETA application. You need to provide your personal detail, contact detail and an email address to receive the letter of confirmation. If you are travelling with your family members staying in the same house, you might find it a bit cumbersome as you need to apply ETA for each of them, and need to repeatedly enter the same contact information (address, phone numbers, etc.)  during each of the ETA applications.

I received the email confirmation almost instantly after making the online credit card payment.

For each of the ETA applications, you will be given a reference number, enabling you to check for the ETA status and expiry date in the same website.

Click here to go to the Australia ETA application and checking website.

Conditions apply to the Australia ETA:

• Working is not allowed.
• Taking short term study course is allowed, but you must not study for more than 3 months.
• You must be free from tuberculosis.
• You must not have any criminal convictions.