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Documentations and Passport Renewal for Indonesian Maid

Required documents;

  1. Letter authorization – wakil isteri
  2. Marriage certificate
  3. Employer IC copy
  4. Copy of maid passport front and back
  5. Copy of maid work permit sticker
  6. Written info in A4 paper – full address (employer house add and Maid Indonesian house add)

Cost for 5 years passport renewal is RM109.00 as of March 2019. This cost inclusive of Biaya Paspor (RM92.00) and Jasa Ti Biometrik (RM17.00)

After submission (27/3/19) of completed document they will give you a slip with payment proof. They said normally will took around 3 days for new passport collection (stamp collection date which is in 1/4/19).

On the slip is also stated that we can sms to get update on the passport status before come for collection.

In my case it so troublesome – took me almost 3 weeks.

Type of Application: Perorangan Penggantian – Habis Berlaku

To take or No Loan Moratorium due to Covid 19

Due to Covid 19, Malaysian government decided to give loan moratorium for 6 months starting April till September 2020.

The moratorium applied to all banks under Bank Negara Malaysia and for individuals and SME who have housing loan, car loans or business loans. The moratorium will accrue all profit/interest from the loan.

At same time all commercial banks decided not to compound the interest accrued during this 6 months.

The moratorium is to ease financial burden to all affected Malaysians.

Let say we decided to take the moratorium. I would like to analyze for housing loan only.

So what we shall do the additional fund from the 6 months moratorium?
1) Use it if you really need it
2) Save it for emergency fund
3) Use it, to reduce your loan principal

Use The Saving from 6 Months Moratorium to Reduce Your Loan Principal

I would like to simulate what is the best way to reduce your principal. Options available as follows:
1) Use the accumulated fund to pay the principal by the end of moratorium
2) Use the monthly installment to reduce principal on monthly basis

Assumptions:

Loan Amount: RM100,000
Tenure: 30 years
Interest: 5% per annum
Monthly Installment: RM536.82

If no moratorium, the principal should be RM99,272 based on the amortization table.

housing loan amoritization for RM100k loan
housing loan amoritization for RM100k loan

1) Use the Accumulated Fund to Pay Principal by The End of Moratorium

NoMonthPrincipal (RM)Profit / Interest (RM)
1April 2020100,000 416.67
2May 2020100,000 416.67
3June 2020100,000 416.67
4July 2020100,000 416.67
5August 2020100,000 416.67
6September 2020100,000 416.67

After 6 months:-
The accrued profit / interest: RM2,500
The accumulated fund saved from the monthly payment is: RM3,220.92

2) Use the Monthly Installment to Pay Principal On Monthly Basis

NoMonthPrincipal (RM)Profit / Interest (RM)
1April 2020 100,000.00 416.67
2May 2020 99,463.18 414.43
3June 2020 98,926.36 412.19
4July 2020 98,389.54 409.96
5August 2020 97,852.72 407.72
6September 2020 97,315.90 405.48

After 6 months:-
The accrued profit / interest: RM2,466.45
The accumulated fund saved from the monthly payment is: 0

Which Option Is Better?

PrincipalAmount after 6 Months (RM)Comparison vs Do Nothing
Do nothing - principal amount based on normal amortization99,272100.00%
Use the accumulated fund to pay the principal by the end of moratorium 99,279100.01%
Use the monthly installment to reduce principal on monthly basis 99,246 99.97%

There is not much difference in term of principal reduction.

Option (2) Use the monthly installment to pay principal on Monthly Basis is marginally better where it can reduce principal by 0.03%

How It Is Calculated?

Use the accumulated fund to pay the principal by the end of moratorium:

RM99,279 = RM100,000 (principal) + RM2,500 (accumulated interest) – RM3,220.92 (accumulated fund during 6 months moratorium)

Use the monthly installment to reduce principal on monthly basis:

RM99,246  = RM97,315.90 (principal on month 6) – RM536.82 (assuming reduce principal before starts interest charging from month 6 installment) + RM2,466.45 (accumulated interest)

How To Pay Outstanding Purchases At Maybank Stocks Online Trading Platform

Recently, I bought shares using Maybank Stocks Online Trading Platform. After purchasing the shares, I didn’t know how to pay for my purchases.

When I googled, I coudn’t find any useful help or information on how to make payment of my outstanding purchases. At the end, I had to make a call to Maybank call centre and get help.

According to Maybank, I must contact my stocks dealer to settle the payment via Maybank2u and my stock dealer informed me step by step on how to do it.

Before follow my steps, better call your dealer first. If you don’t know or remember your dealer phone number, you can contact Maybank help line (03 2297 8888) and they will provide you the dealer name and contact.

Steps to make payment on Outstanding Purchases

  1. Login to Maybank2u
  2. Select Pay & Transfer
  3. Select New Payment
  4. Select Maybank Investment Bank Berhad
  5. Enter your trading account number in “Trading Acct. No.”
  6. Enter your “Bill Reference No.”. Fill in:-
    • TRUST  – you will be transferring your money in Maybank Investment Bank account. (your trust account will be tagged with your trading account)
maybank2u payment to maybank investment bank
maybank2u payment to maybank investment bank
  1. Inform your dealer and share the receipt.

Remember to check that your Outstanding Purchase is cleared after the payment.

 

List of Malaysian Banks Giving Loan Moratorium Due to Covid 19

Due to Covid 19, lots of Malaysian and businesses are facing financial hardships. Fortunately we have our banking sector who is pro active in giving loan moratorium.

Loan moratorium is delay in paying your loan installments. In Malaysia, banks are giving 6 months loan moratorium.

List of Malaysian Banks That Give Loan Moratorium

list of malaysian banks offers loan moratorium due to covid 19

Where To Apply Loan Moratorium

Below are the links that I found where you can apply online for loan moratorium.

CIMB Bank

Maybank

 

 

 

Dividend Yields Comparison Between Malaysian Banks

BanksDividend Yield (%)PEROE (%)
Affin Bank3.236.315.23
Ambank6.336.138.47
BIMB4.657.846.23
CIMB8.118.736.23
Hong Leong Bank3.7610.849.64
Maybank7.2310.8010.05
Public Bank4.7710.7812.64
RHB Bank9.638.383.95
Average5.968.737.81

Analysis

  1. CIMB has the highest dividend yield but low ROE and whether the dividend yield is sustainable in the long run.
  2. Maybank has 7.23% dividend yield which is commendable with ROE of 10% but with higher than average PE.
  3. Ambank has 6.33% dividend yield with PE of 6.13 which is below average which is good and above average ROE.
  4. Public Bank has highest ROE of 12.64 means it is very efficiency in using its capital vs other banks but it has very low dividend yield.

Conclusion

Based on the numbers, without evaluating its long term business, I would buy Ambank it has 6.33% dividend and take only 6 years to recover the capital.

However on safe side, it is better to buy Maybank shares as it is innovative in digital area for example first to introduce online banking and digital payment which I think is the new disruption in banking sector.

Notes

Total dividend amount declared for financial year ended 2018-12-31

  • Bank Islam
  • Affin Bank
  • CIMB
  • RHB Bank
  • Maybank

Total dividend amount declared for financial year ended 2019-03-31.

  • Ambank

Total dividend amount declared for financial year ended 2019-06-30.

  • Hong Leong Bank

source: MalaysiaStock.biz

Kangaroo Math Categories

I sent my kids to join Kangaroo Math competition every year. Kangaroo Math questions are more problem solving rather than testing your kids Math aptitude.

I want my children to see how Math is used to solve daily and simple problems.

Kangaroo Math have 6 categories.

Pre EcolierEcolierBenjaminCadetJuniorStudent
Public:
Year 1 & 2

International
Year 1 & 2
Public:
Year 3 & 4

International:
Year 3 & 4
Public:
Year 5 & 6

International:
Year 5 & 6
Public:
Form 1 & 2

International:
Year 7 & 8
Public:
Form 3 & 4

International:
Year 9 & 10
Public:
Form 5 & 6

International:
Year 11 & 12

Vista Residence Homestay Genting Highland Review – My 4 Days 3 Nights Stay

Again we went to Genting Highlands for our short relaxing vacation together with my parents. My parents for quite some time didn’t go to Genting Highlands.

This time we stayed at Vista Residence near to Petron petrol station and Starbucks.

The condo looks luxurious from outside. Even the unit itself feel luxurious. Internet YES was provided at the unit I stayed but it was quite slow. I think generally in Genting Permai, the internet it not that good.

Bedrooms

I stayed in 3 bedrooms unit with 2 queen beds and one single bed. It is suitable for guests of 4 adults and 3 kids. The bedrooms doesn’t provide night lamps so it was really dark hard to go to the toilet in the night. So I had to switch on the toilet light and opened a bit the toilet door.

The third bedroom the aircond remote was not working.

The floor is parquet so your feet are not cold due to the coolness of Genting Highlands weather.

Living Room & Veranda

The ceiling fan at the living room was a bit dusty.

It didn’t have shoes rack, so when 7 guests in the unit, the floor looked messy due to the shoes.

It had big veranda but it was a bit dirty because got few cigarettes buds drop from unit above me and the view is not that nice as it was looking towards the highway. You could hear the noise of the highway if you opened the sliding door at the veranda so at the end you can’t get the cool breeze going into the unit.

Bathrooms

For the bathroom, it is not that clean especially on the toilet bowl and the water pressure was quite low for my liking. Beside glass to put your toothbrushes were not provided.

No bidet provided some more!

Anyway the host was responsive when we wanted additional soap because the soap were a little bit only when we checked in.

I went to the gym every morning to have my light exercise. I like the gym because easy to go from the unit.

Swimming Pool

It has lap swimming pool and kids swimming pool with jacuzzi.

The swimming pool was not heated though. It was really cold. But my kids went to the swimming pool anyway.

Parking

Parking was hard to find at first because host just give the parking number. Hard to find it.

When it is raining, you will get wet just to touch the access card to open the parking barrier.

Recommendation

In short, I won’t stay again at Vista Residence due to amenities at the unit is not well thought and water pressure is low.

Besides the swimming pool is not heated.

 

Location


The Condominium

vista residence genting highland condominium
vista residence genting highland condominium
vista residence genting highland condominium
vista residence genting highland condominium
vista residence genting highland lobby
vista residence genting highland lobby
vista residence genting highland lobby
vista residence genting highland lobby
vista residence genting highland lobby
vista residence genting highland lobby
vista residence genting highland lobby
vista residence genting highland lobby
vista residence genting mailbox room
vista residence genting mailbox room
vista residence genting lift
vista residence genting lift

Entrance To Parking

vista residence genting highland parking entrance
vista residence genting highland parking entrance
vista residence genting parking
vista residence genting parking

The Facilities

vista residence genting swimming pool
vista residence genting swimming pool
vista residence genting swimming pool
vista residence genting swimming pool
vista residence genting jacuzzi
vista residence genting jacuzzi
vista residence genting sauna
vista residence genting sauna
vista residence genting gym
vista residence genting gym
vista residence genting toilet and changing room
vista residence genting toilet and changing room
vista residence toilet and changing room
vista residence toilet and changing room
vista residence genting sky deck
vista residence genting sky deck
vista residence genting sky deck
vista residence genting sky deck
vista residence koi fish pond
vista residence koi fish pond
vista residence genting barbecue area
vista residence genting barbecue area
vista residence genting playground
vista residence genting playground
vista residence genting common facilities
vista residence genting common facilities
vista residence common facilities at night
vista residence common facilities at night

The Room

vista residence corridor
vista residence corridor
vista residence genting room entrance
vista residence genting room entrance
vista residence genting living room
vista residence genting living room
vista residence master bedroom
vista residence master bedroom
vista residence kitchen
vista residence kitchen
vista residence genting wardrobe
vista residence genting wardrobe
vista residence kitchen
vista residence kitchen
vista residence genting electric kitchen hob
vista residence genting electric kitchen hob
vista residence genting oven
vista residence genting oven
vista residence genting master bathroom
vista residence genting master bathroom
vista residence genting master bathroom
vista residence genting master bathroom
vista residence genting second bathroom
vista residence genting second bathroom
vista residence no toilet bidet
vista residence no toilet bidet
vista residence parquet floor
vista residence parquet floor
vista residence genting rubbish bin
vista residence genting rubbish bin

Midhills Homestay Genting Highland Review – My 2 Nights Stay

Short Vacation at Genting Highlands

We went to Genting Highlands for short relaxing vacation. We needed 3 bedrooms as we have 7 family members, 4 adults and 3 kids.

For our stays, we chose AirBNB because it gives as better room space, kitchen area and better pricing compared to hotels. Furthermore there are lots of new condominium in Genting Highlands.

We have few options to choose for:
1) Geo 38
2) Vista Residence
3) Midhills

We decided to stay in Midhills because it offered best price for 3 bedrooms.

Water pressure at Midhill is superbly good. When you are showering, you feel awesome by the water pressure.

Floor is tiles so a bit cold at nigth.

The unit doesn’t provide aircond only ceiling fan. But Genting Highland is already cold, so you can sleep well at night without the aircond.

The LED TV doesnt have USB port to play my movies inside my external hardisk. It has NJOI and internet. Network coverage is a bit bad here . Only 3G so internet a bit slow.

Recommendation

I recommend MidHills Condominium because it offers:

1) Best value for money
2) The unit I stays is really cozy and provided with lots of simple things but give lots of convenient.

Location

The Condo

midhills genting condominium
midhills genting condominium
midhills genting condominium
midhills genting condominium
midhills genting veranda
midhills genting veranda
midhills genting common facilities
midhills genting common facilities
midhills genting playground
midhills genting playground
midhills genting highland swimming pool
midhills genting highland swimming pool
midhills genting highland swimming pool
midhills genting highland swimming pool
midhills genting highland swimming pool
midhills genting highland swimming pool
midhills genting highland swimming pool
midhills genting highland swimming pool
midhills genting highland swimming pool
midhills genting highland swimming pool
midhills genting water bicycle
midhills genting water bicycle
midhills genting gym
midhills genting gym
midhills genting gym toilet
midhills genting gym toilet
midhills genting gym toilet
midhills genting gym toilet
midhills genting barbecue area
midhills genting barbecue area
midhills genting barbecue area
midhills genting barbecue area
midhills genting swimming pool
midhills genting swimming pool
midhills genting swimming pool
midhills genting swimming pool
midhills genting common facilities
midhills genting common facilities
midhills genting common facilities
midhills genting common facilities

The Unit Layout

I stayed inside a unit of 2+1 bedrooms, size of 999 sqft. The third room doesn’t have a wall, so the owner did a sliding door as separator for the third bedroom.

midhills layout type d
midhills layout type d

The Unit Interior

midhill genting mailbox
midhill genting mailbox
midhills genting corridor
midhills genting corridor
midhill genting highlands corridor
midhill genting highlands corridor
midhills genting living room area
midhills genting living room area
midhills genting living room area
midhills genting living room area
midhills genting living room area
midhills genting living room area
midhills genting kitchen
midhills genting kitchen
midhills genting master bedroom
midhills genting master bedroom
midhills genting master bedroom
midhills genting master bedroom
midhills genting master toilet
midhills genting master toilet
midhills genting master bedroom
midhills genting master bedroom
midhills genting bedroom with bunk beds
midhills genting bedroom with bunk beds
midhills genting 2nd bedroom
midhills genting 2nd bedroom

Lazada – How You Can Cancel Your Order

At Lazada, you can only cancel your order if the order is not yet processed by a seller.

During cancellation, Lazada will ask reason  of cancellation and give comments on your cancellation.

lazada request for cancellation
lazada request for cancellation

 

The payment refund via credit card will take around 5 – 15 business days.

 

lazada purchase using credit card
lazada purchase using credit card
lazada credit card refund
lazada credit card refund

 

Comparison Shopee vs Lazada Malaysia

I did my own comparison between the most popular e-commerce platform in Malaysia, Shopee & Lazada.

At first I like Lazada thanks to its smooth user interface and good delivery. But in one of my purchase I got issue with the seller and I’m unable to contact Lazada. Lazada is like a total AI platform without people interaction.

While Shopee is more human platform because you can contact Shopee and get replied from a human agent.

Thumbs up means it a win over its competitor while thumb down, the platform loses to its competitor. But it doesn’t mean if thumb down it is not worthy or reliable.

It is my way in making easy evaluation.

Below is my comparison and with it details comparison.

shopee lazada comparison
shopee lazada comparison

My preference is buying at Shopee if I can’t find an item at Shopee or I find that it is cheaper at Lazada then only then I proceed buying at Lazada.

Order Cancellation

Shopee

Cancellation by Buyer

Shopee still allows buyers to cancel order even after the item has been packed and on the way for delivery.

You just need to click cancel and choose the cancellation reason.

shopee cancellation reasons
shopee cancellation reasons

So far I have done 2 cancellations due to sellers unable to deliver on time. I got the full refund without problem.

shopee cancellation
shopee cancellation
shopee cancellation
shopee cancellation

Cancellation by Shopee System

Shopee also will cancel an order, if they find some problems with the seller delivery or the seller himself.

I also received full refund when order is cancelled by Shopee system. Unfortunately Shopee doesn’t notify you via email or gives any discounts like Lazada.

shopee cancellation by system
shopee cancellation by system

 

Lazada

Cancellation by Users

I never able to cancel my order in Lazada because there is no option to cancel after the order is packed even though it is very late in delivery.

Lazada only mentions we can reject the order by rejecting it at door step which is impossible to do because most of the time you are not at home when the item arrives at door step.

lazada cancellation
lazada cancellation

Cancellation by Lazada System

Fortunately Lazada will auto cancel an order and gives full refund if the order is late for delivery.

At same time Lazada will notify you via email on the cancellation and gives you discount voucher of RM4 valid within 60 days.

lazada cancellation by system
lazada cancellation by system
lazada email cancellation with discount voucher
lazada email cancellation with discount voucher

Winner: Draw

Loyalty Program

Shopee

At Shopee, you earn Shopee coins when you buy at Shopee and when you give rating of your purchased items.

shopee earn coins by giving rating
shopee earn coins by giving rating

You can use the Shopee coins to get discount for your future purchases.

Lazada

While Lazada, it doesn’t have its own loyalty program. It leverages on BCard. Whenever you complete your order payment, you can insert your BCard numbers.

Winner: Shopee

Delivery

Shopee

Orders Summary Delivery Status

shopee orders summary delivery status
shopee orders summary delivery status

Tracking Goods

Shopee tracking goods depends on logistics company use to deliver the item. J&T Express gives details information up to their delivery boy phone number for you to contact them directly.

While Pos Laju will give only summary info.

Due to non standardized information from different logistics companies, it is hard for to really understand meaning of each information.

shopee delivery J&T Express
shopee delivery J&T Express
shopee delivery pos laju
shopee delivery pos laju

Delivery Notification

Shopee doesn’t notify you via email if the items are shipped out.

It will notify you via its mobile application.

At same time, the dispatcher will call you the check whether you at home or no. If not, he would just put it at your mailbox. But I notice, this is not standard practice. It is more depending on the dispatcher.

Lazada

Orders Summary Delivery Status

lazada orders summary delivery status
lazada orders summary delivery status

Tracking Goods

Lazada has good standardized tracking goods information regardless logistics companies used for the delivery.

It also will auto refund your money in case the item is not delivered within stipulated time.

lazada delivery - auto refund if not delivered within stipulated time
lazada delivery – auto refund if not delivered within stipulated time

Delivery Notification

Lazada will email you, once the item is ready to be shipped out. It means either by today or tomorrow the item will arrive at your home.

When the item is delivered, it will send another email notification.

Besides the dispatcher will WhatsApp you directly informing that he already delivered the item.

lazada delivery whatsapp
lazada delivery whatsapp

Winner: Lazada

Payment Security

Shopee

Whenever you pay using credit card, Shopee will ask TAC to authorize the payment.

Lazada

If you already save your credit card information in Lazada system, whenever you pay using credit card, Lazada will not ask for TAC to authorize the payment.

Winner: Shopee

Support

Shopee

Email Support

Shopee does have email support and I sent few emails and I got replied in within 1 business day and it solves all my problems.

FAQ

It also have FAQ but sometimes hard to find the information you want but luckily Shopee has the email support.

Live Chat

So far Shopee doesn’t have Live Chat support.

Lazada

Email Support

Surprisingly Lazada doens’t have email support like Shopee.

FAQ

Lazada also has FAQ and its FAQ have images to make you understand better.

Live Chat

Lazada has interactive Live Chat. It is not live chat between you and customer service agent but it is more like FAQ section with interactive interface.

Winner: Shopee

 

Habitus City Of Elmina Review

Habitus at City of Elmina

Last October, 2019, I went to visit sales gallery of Habitus at Denai Alam. It is the first high rise project at Denai Alam predominantly that have landed properties.

Habitus Scale Model

habitus scale model
habitus scale model
habitus scale model
habitus scale model
habitus scale model
habitus scale model

Layout of Show Unit

show unit layout type A - 565 sqft
show unit layout type A – 565 sqft

Show Unit Interior

habitus city of elmina living room show unit
habitus city of elmina living room show unit
habitus living room
habitus living room
habitus living room sofa
habitus living room sofa
habitus city of elmina show unit bedroom
habitus city of elmina show unit bedroom
habitus city of elmina bedroom show unit
habitus city of elmina bedroom show unit
habitus toilet show unit
habitus toilet show unit
habitus show unit toilet
habitus show unit toilet
habitus show unit toilet sink
habitus show unit toilet sink

 

Location

Sales Gallery

Property Site

Contact

Tel: 03-2856 3988

Website

Habitus Facebook