Transistor vs Relay

What Ricky teach me when I just join...

Transistor - DC loop, Switching faster, On/Off signal.
Relay - AC, current rating 2A, life spam higher.

After 2 years, i'm still noobie :)

What to pay when take house's key?

For my record only, once get the new house CFO...

Renovation deposit - RM500
MBJB 1st 6 months cleaning charges - RM300
6 months advance security fees - RM660 (Estimate RM110 each month)
Security deposit - RM500
Quit rent and assessment tax - ???

Total: RM1860

如何计算信用卡的利息？？？？

1.5%月息,但是如果每个月还不完的话,就会累积很多了.

以下例子

欠1000

第一个月利息就15.00, 总数1015. 还最低数额5%.(50.75)......剩下964.25 (假设在statement的第一天还).

接下来

第2月....利息(964.25*1.5%=14.46),欠额总数978.71,还最低数额5%或50 剩下928.71

第3月....利息(928.71*1.5%=13.93),欠额总数942.64,还最低数额5%或50 剩下892.64

第4月....利息(892.64*1.5%=13.39),欠额总数906.02,还最低数额5%或50 剩下856.02

第5月....利息(856.02*1.5%=12.84),欠额总数868.86,还最低数额5%或50 剩下818.86

第6月....利息(818.86*1.5%=12.28),欠额总数831.14,还最低数额5%或50 剩下781.14

第7月....利息(781.14*1.5%=11.72),欠额总数792.82,还最低数额5%或50 剩下742.85

第8月....利息(742.85*1.5%=11.14),欠额总数753.99,还最低数额5%或50 剩下703.99

第9月....利息(703.99*1.5%=10.56),欠额总数714.55,还最低数额5%或50 剩下664.55

第10月....利息(664.55*1.5%=9.97),欠额总数674.51,还最低数额5%或50 剩下624.51

第11月....利息(624.51*1.5%=9.36),欠额总数633.87,还最低数额5%或50 剩下583.87

第12月....利息(583.87*1.5%=8.76),欠额总数592.63,还最低数额5%或50 剩下542.63

总共付出利息129.48.....但还欠银行542.62

这个例子是根据每个月定期还,准时在statement的第一天所计算的.

如果late payment的话,还有extra charges的.

对于信用卡.....它就象两面刀....可上人也可伤自己. USE IT WISELY

－－－－－－－－－－－－－－－－－－－－－－－－－－

例子2：

6/9 刷了RM1000，Statement Sate 15/9, Due Date 1/10.

(A)1/10或之前还RM1000,没有任何利息

(B)假设26/9还了RM500；另外的余款在在26/10才还,你需还

RM500 + RM500 x 18% x 24 (1/10 后每天算利息）/365

= RM500 + RM5.92

= RM505.92

【很有意思】给年轻一代的一句话！！！

Cobbler (repair shoes service) at Johor Bahru

I always need engaged a cobbler to help me sew shoes/repair shoes since the quality of new shoes nowadays is so displeasure, but I always cannot remember where is it when I need this service. So I record down in this blog for future references hehe.

Johor Jaya - In front Dedap CIMB bank
Johor Jaya - Near The Store Dedap area

Johor Jaya - opposite Family Food court (长绨书局)
Taman Daya - Outside of Maybank & Bank Simpanan National
Taman Universiti Skudai - Beside Maybank & another one same raw with Number one food court
Taman Ungku Tun Aminah - CIMB Bank outside
Nusa Bestari - Near Hong Leong Bank
Mount Austin - Near RHB Bank

Aj & Aj Enterprise (Cobbler), unit C25, inside Giant Plentong.

How to renew Car Insurance online with 10% Discount???

I going to renew my car road tax & insurance by next week.
Due to laziness & busy life, I decided to try renew my car insurance via internet at home and hopefully can enjoy the said 10% discount...
After 15 minutes googling, Etiqa Takaful is my choice since I heard my friend using this also..Please take note they claimed that you can enjoy 10% discount if you walk-in the policies company but I never try it out.

Step 1:-
Prepare the documents as below
1) Copy of Motor Cover Policy from previous Insurance/Takaful Institution or
2) Copy of Cover Note from previous Insurance/Takaful Institution or
3) Copy of Vehicle registration card

Step 2:-
Calculate the SUM covered you like by the website below:
http://www.autoclaims.com.my/agv1/home.php

Please take note this market value of your car are estimation only.

Step 2:-
Go to https://www.motortakaful.com/index.php?tpt=mt_cmd

Step 3:-
Click the "Start" button and fill all the necessary data field step by step.
(Email address must be correct so Motortakaful.com will send softcopy of E-cover note to your mailbox !!!)

Step 4:-
Pay the amount after 10% discount by
1) Credit Card (VISA or MASTERCARD)
2) FPX Internet Banking
3) Maybank2u.com (RM0.50 will be charged)

Step 5:-
Print out receipt/E-cover note so can make it as references in future.

Step 6:-
Renew your road tax at JPJ nearby(remember bring along Original copy of car registration card,you can take it from Bank).

Or you can renew the road tax via https://rdtax.myeg.com.my/MYROADTAX/
MYEG will deliver the road tax to your house/office by POS LAJU.

Benefit Of Online renewal of Car Insurance:
1) Pay by credit card
- Good for those short of cash on hand like me.
2) 10% discount which is roughly RM100 for my case
3) Save time
4) Save Petrol
5) Save parking fees

Speed Trap 2011

PLUS North Bound (ke Utara)
*Under a bridge at about 456km, Sg Buloh junction.
*Under a bridge at about 459km, Bukit Lanjan interchange.
*Under the overhead restaurant at Sg Buloh.
*Under the last bridge before Sg Besi toll at 309.2km.
*Under the bridge at 296.5km, Bangi junction.
*Under the newly constructed bridge at 289.0km, after Nilai North junction.
*Under the bridge at 286.5km, Nilai North junction.

PLUS South Bound (ke Selatan)
*Below signboard at about 454.6km and 455.2km, Sg Buloh layby.
*Under the bridge after Subang junction at 11.3km.
*Under the bridge at 22km, Bukit Lanjan junction.
*Under the bridge before Mint hotel, Sg Besi Toll. 80km/h only!
*Under the bridge at 302.8km, Kajang junction.
*About 1km south of Bangi junction, both south and north bound outer lanes
*At 296.5km and 297km, Bangi junction.
*Under the newly constructed bridge at 289.0km, before Nilai North junction.
*At 285.5km and 285.8km, Nilai North junction.
*On center divider at 251.8km and 253km after Senawang junction.
*After Alor Gajah junction at 213.9km, next to water theme park.
*Behind the right hand crash barrier at 198.4km.

Elite Central Link East/North Bound
*On left hand side at 4.8km after Batu Tiga/Shah Alam exit
*Under the overhead restaurant at USJ/Hicom junction about 8.5km. 90km/h zone!
*Below the bridge before USJ/Hicom junction at 10.5km.

Elite Central Link West/South Bound
*Under the overhead restaurant at USJ/Hicom junction about 8.5km. 90km/h zone!
*Below the bridge before USJ/Hicom junction at 10.5km.
*After exit from KLIA toll to the airport, below Jalan Pekeliling flyover.90km/h


NKVE East/North Bound
*300m before Jalan Duta toll, 60km/h!
*Behind crash barrier on the left when going towards Jalan Duta toll, at 24.9km, 80km/h!
*Below bridge at Damansara Junction, 17.5km


NKVE West/South Bound
*Behind crash barrier on the left when leaving Jalan Duta toll from KL, at 25.3km and 25.7km, 80km/h!
*From Jln Duta, below the bridge, 23km, 80km/h zone!
*From Jln Duta, at the underpass at Sg Buloh Y-junction, 22km.
*Behind crash barrier at Damansara Junction, 17.7km and 16.8km
*Below railway bridge at 11.2km
*Under the bridge at Shah Alam junction.

Kesas East Bound
*Under the bridge at 44.8km, downhill run after Puchong junction.

Kesas West Bound
*At Sg Besi side of East Bound Toll. Kuala LumpurCity
*Jalan Duta; below the flyover at the Damansara junction, 70km/h zone.

Klang
*Dual carriageway between Klang and Port Klang. Towards Klang direction, at about 13km mile stone. 70km/h only!

East Coast
*Road sign at Karak highway is inadequate especially at Y junction; if you are unfamilar, go slow.
*East bound, downhill run after Raub junction.
*Maran, 60km/h zone.
*Paya Bungor, 70km/h zone.

SPEED TRAPS IN JOHOR South Bound
*Tangkak junction.
*Under the bridge after Yong Peng

North junction
*at 97.3km.
*Ayer Hitam junction.
*Sedenak junction.

SPEED TRAPS IN PERLIS, KEDAH AND PENANG
North Bound
*Around Ayer Hitam in 60km/h zone.
*Before Perwaja Steel.
*Sg Petani junction.
*Between Seberang Jaya junction and Sg Dua Toll.
*PenangBridge at island end.Speed limit 80km/h.

South Bound
*PenangBridgeisland end. Speed limit 80km/h.
*About 2km before Juru Toll Speed limit 90km/h.

SPEED TRAPS IN PERAK
North Bound
*Under the bridge at 197.1km and 198.8km, afterKamunting Junction.
*Under the bridge at 204.3km, after KamuntingJunction.
*Under the bridge at 208km, before Kamunting Junction.
*Under the bridge at 214.8km, before Kamuntingjunction.
*Ipoh Vista Point at about 263km. Speed limit 80km/h.
*Under the bridge at 271km, Ipoh North Junction.
*Under the bridge at 274.4km, Ipoh South Junction.
*Under the bridge at 286.9km, Simpang Pulai Junction.
*Under the bridge at 296km, Gopeng Junction.
*Under the bridge at 352.6km, after Sungkai Junction.
*Under the bridge at 353km, Sungkai Junction.
*Under the bridge at 373km, Slim River Junction.

South Bound
*Under the bridge at 199km, before Kamunting junction.
*Under the bridge at 241.9km, at Kalau Kangsarjunction.
*Under the sign post at 296.1km, before GopengJunction.
*Under the bridge at 297km, at Gopeng Junction.
*Under the bridge at 300km, after Gopeng junction.
*Under the bridge at 308.6km, after Gopeng junction.
*Under the bridge at 372.6km, at SlimRiverjunction.