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Showing posts from June, 2021

i-Sinar i-Lestar & i-Citra you are very lucky

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There have been 3 initiatives to withdrawal savings from your retirement account since the year 2020. I just want to quote the below statement from Free Malaysia . "He cited a recent statement by EPF chief executive Amir Hamzah Azizan that 6.3 million contributors or 42% of the total 15 million members now have less than RM10,000 in Account 1 while 9.3 million people have less than RM10,000 in Account 2." Now is mathematic time: 42% = 6.3 million contributors 100% = 15 millions contributors EPF fund size is RM 1 trillion now. Refer to The Edge Let's continue the maths and my personal assumption: I assume and round up the numbers of 15 million members has RM10,000 in Account 1, which follow the 70% and 30% split rato.  Therefore, total EPF account value for the 15 million members is: = Account 1 + Account 2  = [15,000,000 x RM10,000] + [15,000,000xRM4,285.71] = RM 214 billions Let's continue to the second group 9.3 million people have less than RM10,000 in Account 2 Th

3 ways to buy medical insurance in Malaysia

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Since I am getting older, I am very concerned about my medical insurance especially after age 60. In the past 10 years, the medical insurance premium or cost of insurance only keep going up, just like iPhone prices always go up and never come down. I spend some time searching the majority of the General Insurance companies and Life Insurance companies and finding out their medical insurance products. I will share with you the list and ways to buy their products. I need to clarify that I did not compare the products due to my personal reason and limitation. I am sharing this post because I want to help more people to find better ways to get themselves protected with insurance. There are 3 methods you can buy a medical insurance product in Malaysia. The 1st is through a life insurance agent or general insurance agent. This is the most common method because most of the time we do not wake up one day and feel the need to buy an insurance product. Most of the time, we are thankful to a hard

Shopee vs Lazada, no need to fight la

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Based on IPSOS's report ( LINK ), I am extremely curious about Shopee being a monopoly business model in the e-commerce platform, and yet no regulatory organization performs an anti-competition check on them. Why? In my personal opinion, the reason Shopee is dominating in the e-commerce platform because of the few following reasons: a. Money aka budget.  Look at the frequency the ads appear in your news feed on Facebook, Instagram, and online website. Look at the monthly promotion since 1.1, 2.2, 3.3, 4.4, 5.5, 6.6, 7.7, 8.8, 9.9, 10.10, 11.11 and 12.12. It is an absolute advantage for Shopee to dominance these important dates. But, I believe Shopee might have overdone it. But who am I to comment on a company that achieves more than 80% market share? b. Seller recruitment and new user This is a very tricky situation because it is about demand and supply. This is the same challenge for all business models who runs a platform business. The only way the business can survive is to have

毕业就是开始失业,是对的

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今年如果有7.5万人毕业加上各大领域都收紧腰带,不裁员已经是谢天谢地。那么,增员呢?如果年轻的一代都是只有文凭一张纸,是否能满足职场上的需求呢?年轻人,加油吧!我相信一代比一代强。

How to install Harmony OS 2.0

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One of the hot topics in the smartphone or tech world now is Harmony OS. In the world outside of China, we can't install or upgrade Huawei phones to Harmony OS. But this YouTuber ( WhatGear ) in this video ( YouTube ) found a way to install Harmony OS into his phone. But there is a missing link on the apk file. I manage to find the apk file and host in WeTransfer. ( Link ) If the link expired, please leave a comment below so that I can update the link again. If you manage to install Harmony OS, please give credit to the YouTuber ( WhatGear )

How to monitor your kids screen time

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Let's cut the crap, you want to do either one of the actions mentioned below, then please continue to read yo! Your kids have a digital device(s) (pc, mac, smartphone, or tablet) 1. You want to know what he/she do with the device. 2. You want to control his/her online internet timing 3. You want to block certain software/app 4. You want to manage the time usage on particular software/app I need to warn you that this is a lengthy post and I did my best to summarize it into few categories for you. Option 1: Parental Control using WIFI Router. Most of the routers will have parental control function. The differences are user-friendly and functionality between different brands and within the different brands with different models. You need to log in to your wifi router to configure parental control. The function that you can do with the router are as below and depending on your router. a. Setting a profile i.e. Child. Then within this profile, you can filter the website that allows visi