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Candy Crush Tips
05.29.13 |Game, Information, iPhone| Permalink | Comments Off on Candy Crush Tips

I know many of you are playing Candy Crush. Here is a tip for you. If you cannot solve the level in your iPad, Android or iPhone, try doing it on your PC using the Facebook AppCenter. Many times I could pass the level using PC.

Somehow it is easier using the PC. Hope this tip helps you!
North South Highway
09.22.09 |Information| Permalink | Comments Off on North South Highway

I went down from Penang to KL during the Raya Holidays. My family wanted to stop at Ipoh McDonald like we always do. This time around, it was a little confusing due to the road changes along Ipoh. I wonder who design the road there. The road was split into 2, right going down to KL and left going into Ipoh.

Basically you have to make a choice at the split. You need to keep left if you want to go Ipoh. If you miss that, you have to make a U turn at Simpang Pulai that is quite far down. Same goes on the other side of the road. By the way, both roads are parallel but it has a divider between the 2. The way it is design is really confusing especially for newbie driving on this highway. So watch out!

By the way, the traffic was really bad going up north, Ipoh to Penang. Fortunately we are on the other side, was free flow all the way.
Dispute With TNB Malaysia
05.12.09 |Information, Rant| Permalink | 2 Comments

I received an electricity bill for my new condo last month cost RM1.70 and I thought I didn’t have to pay as the govt stated electricity bill under RM20, we do not have to pay. This month I received another RM3.00 but last month RM1.70 is added, totaling RM4.70. My new condo meter is still showing 0 kwh.

I went to the TNB office to seek clarification. Guess what the customer service told me. He said very loudly that the budget 2009 stated that you do not have to pay if the electricity bill is below RM20 with consumption. He repeated the 2 words “with consumption”. Can you believe that?

Does that mean, I have to use go and on a light bulb to ensure the meter have reading before I get it free? How absurd! If I do that, I will be wasting electricity, just to get it free.

Ooh, I just called from the TNB officer after I submitted a online complaint, the criteria is to use at least 5 kwh of electricity. Are they asking me to waste 5 kwh to enjoyed the RM20 rebate? *shake head*

Looks like, they are adding more criteria to this rebate to prevent customers from claiming. By the way, I do not see any of these criteria being published in the newspaper. If yes, do let me know. I cannot find any criteria in the TNB Website either.

The statement that support my dispute and I quote “As part of the Government’s effort to further reduce the financial burden of the lower income group, households which incur monthly electricity bills of RM20 or less, will not have to pay for electricity, for the period from 1 October 2008 to end of 2009.”

Source: (http://www.epu.gov.my/bajet/enbudget2009.pdf)

Now I may have to go to my condo to use 5kwh of power every month. TNB, you forced me to waste electricity!
Keep Left
04.30.09 |Information| Permalink | Comments Off on Keep Left

I remembered in my school days, I was taught to keep to the left side when walking. It is just like how we drive. When I go up the stairs, I need to keep left. I wonder did you have the same teaching. I found many did not because in my work place hallway, people just walk however they like.

These tend to bang into me when they corner on the right side. Sometimes these people like to take short cut.

And then there is the escalator. Malaysian escalator has no standard. Some time the left side of the escalator goes up and sometimes the right side goes up. They are a confused lot.

At the escalator, people likes to stand in the middle blocking people who want to go down fast. Haven’t they learned to keep left and leave the right side for traffic flow? I believed in Singapore, signs are everywhere to make sure people are aware and do the right thing.

Keep left next time you walk yeah except when you are in a different country. Different county has different directions.
How Stuff Works
11.27.07 |Information| Permalink | Comments Off on How Stuff Works

This is not a paid post. I stumble upon this “How Stuff Works” website a long time ago and it is really helpful. Basically it tells you how stuff works. If you want to know how your air cond, digital clocks, car, calculator, computer functions, the website can give you great details.

If I want to learn about an electronic gadget, I can refer to this website. It helps me get things working.

I found this interesting article entitled How can an iPod set your pants on fire — literally? Read it and for those who own iPod, becareful. If you ever get stuck on a gadget, refer to How Stuff Works!

Trading Account In US

07.25.07 |Finances, Information, Shares| Permalink | 4 Comments

Someone asked me to blog about stocks trading in US. It is really simple to trade shares in US. All you need is to open an online trading account. There are couples of US online trading available like Ameritrade, eTrade, Scottrade and others. Each has its own pricing, benefit and T&C. You have to pay attention to Service Fee, Trading Fee and other administration fees.

Here is a chart that I have put up, note there may be changes to the fees:

	TD Ameritrade	eTrade	Scottrade
Minimum To Open An Account	$2000	$1000	$500
Minimum Account Balance	$0	$1000	$500
Trading Fee	$9.99 Unlimited Shares	$12.99 With Conditions	$7 Unlimited Shares With Conditions
Quarterly/Annual Account Maintenance Fee	$0/$0	$40/60	$0/$0
Wire Funds Out Fee Domestic/ International	$25	$25	$20/$40
Stocks Certificates Issuing	$50	$40 per certs	$250
Account Closing & Transfer Out Fee	$75	$60	$0
Other Fees	Other Fees	Other Fees	Other Fees

My advice to you before selecting a trading account, do read their company portfolio and read customers’ review on their company.

After you have chosen an online trading account, you registered and open an account. You have to fill W8 BEN form. This form is to state that you are not an US Citizen, if you aren’t. You will be tax differently.

Do not play with Margin Options, switch it off. This option allows you to borrow money to invest in the shares. It can burn you deeply if your shares fall under its value. Interest is high.

With US shares, you can buy 1 unit. It is different from Malaysia where you need to buy minimum of a 1000. Of coz, it is a little crazy to buy 1 unit as you will be wasting transaction fees. Let say company XYZ share is US20. You can buy say 10 units and pay US200 + transaction fees.

Selling and buying is just a click of a button. The trading acct will provide you with tools like streamer that allow you to view the shares price live and online. You can set it to your targeted shares. For me, I am long term investor, I do not do any short selling. I buy and keep. However if the shares go up to a certain threshold, I may sell. Some shares do give out dividends when the company profits.

You can also set your target price on the trading tool. When it hits the target price, your shares will be automatically sold off. This is very useful especially when you cannot monitor US shares during the night time. Sometimes shares can hit the peak for short period of time and dropped quickly.

Lastly when you have profited and want to transfer money back, you can use wire transfer to bring money home to any local banks. You need to request your local bank swift code or ABA routing number. All local banks have it. In your trading account, you need to fill up your wire transfer information with ABA routing code, your local account number and other required information. Happy Investing.

Take note any investments, there are risks. Before diving into an investment, do your research. There are message boards (aka forum) from Yahoo or any other where a lot of people talk about the individual company. You can gain some information from it. There are also analyst reports to help you with. However it has a lot of financial terms which is difficult to digest.

Photobook II
12.18.06 |Information, Photobook, Technology| Permalink | 3 Comments

Last night, I just got an email saying there is going to be a year end promotion for photobook. I promised some of you if I hear any good offers, I will let you know. Here are the offers for A3, 30×30, A4 Landscape, A4 Portrait & 21×21 photobook.
20% off photobook from 17th Dec – 7th Jan
Buy 2 get 1 free
DIY Designer Templates Offer
(http://www.photobook.com.my/promotions/templatesvol1.asp )

Lastly, they have the hardcover version but no price tags printed on their website. If you are interested, you can email them.

Hop over there now: http://www.photobook.com.my/ .

Category: Information

Candy Crush Tips

North South Highway

Dispute With TNB Malaysia

Keep Left

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Trading Account In US

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