My Another Elba Kitchen Hob Burner Making Problem

My Elba kitchen hob is getting older. This time a second burner started having problem.

Another Burner Flame Is Slowing

Time to replace my old burner as showed in the video the flame starts to becoming smaller.

Order Burner Online and Delivery

So I decided to order online and get it delivered instead going to Exactly Quality office (Elba spare parts supplier) in Kepong.

I whatsapp Elba 011 5923 1405 and share my previous receipt on my part numbers. The total price for new burner is RM120 and RM10 for delivery.

The person in charge gave an account number to transfer to.

elba kitchen hob burner order communication via whatsapp
elba kitchen hob burner order communication via whatsapp

Delivery Time

It took 11 days for delivery. This is due to Raya Holiday and GDEX had so many parcels to deliver and had to put on queue my burner.

At the same time, you must keep following up with Exact Quality by calling directly to their customer support number to know the latest status.

My New Burner

The burner was well packed. I forgot to take photo of the box. The supplier used bubble wrap the burner to ensure no scratches.

elba kitchen hob burner bubble wrap
elba kitchen hob burner bubble wrap
elba kitchen hob received all three burners
elba kitchen hob received all three burners

Cleaning Up the Kitchen Hob

When I want to install the burner, I noticed my kitchen hob was not clean. So I cleaned up especially the black greased stains

elba kitchen hob dirty
elba kitchen hob dirty
elba kitchen hob stove after cleaning
elba kitchen hob stove after cleaning

My New Burner With Better Flame

Cost Comparison Buying New Kitchen Hob vs Replacing Burners

I replaced 2 burners with total cost of RM240.
I don’t include delivery Cost of RM10 in the comparison.

RM445 cost 0f buying new kitchen hob with similar features.

new elba kitchen hob rm445 - lazada
new elba kitchen hob rm445 – lazada

It is 50% cheaper vs buying new one.

Conclusion

You must look as a whole whether only the burners have problems or other parts of your kitchen hob has problem e.g ignition problem.

In my opinion, if only burner got problems then better replace it rather than buying new kitchen hob.

Where To Buy Elba Burner

You can also ask for delivery with minimum delivery cost.

Anyway the front service desk is very bad. Haha better just ask for delivery.

Exact Quality Sdn Bhd
Lot 13, Jalan E1/5, Taman Usaha Ehsan,
52100 Kepong, Kuala Lumpur, Malaysia.

Tel: 03-6286 9000 I Fax:  03-6286 9004
Operation Hours: 08:30 am to 06:00 pm
(Monday – Friday, except Public Holiday)

Email: eqservice@fiamma.com.my
Website: http://www.e-quality.com.my/

Baskin Robbins at 31% Discount for May 2020

Every 31st of a month, I will usually buy Baskin Robbins ice cream. This is during this day, Baskin Robbins gives 31% discount.

baskin robbins discount 31 may 2020
baskin robbins discount 31 may 2020

During MCO Baskin Robbins Bukit Jelutong Only Open At 12:00PM

But during this MCO (Movement Control Order), the ordering process changed and confused lots of people. Yesterday on 31st of May on 10:00 AM, I went to Baskin Robbins Bukit Jelutong at Petronas.

I already saw long queue at the ice cream parlour but it was still not open and nothing signage regarding the opening hours.

Then I went to Jaya Grocer to buy groceries when I checked back at 10:40 AM the parlour still closed, I decided to go to Aeon Shah Alam Baskin Robbins.

Long Queue at Baskin Robbins Aeon Shah Alam

baskin robbins long queue at AEON Shah Alam
baskin robbins long queue at AEON Shah Alam

When I arrived at 11:00AM at Aeon Shah Alam, there was already long queue.

Walk-In Order Only Pint or Quart

To my dismay, I could only buy at most quart size. Half gallon is not available for walk-in. Besides, if you choose quart, you can only select one flavor.

Baskin Robbins - walk in can buy only quart or pint
Baskin Robbins – walk in can buy only quart or pint

My Ice Cream Stocks till June 31st 2020

I bought 3 flavors of ice creams.

  1. Cotton Candy – for my kids
  2. Mint Choc Chips – for my wife
  3. Jamoca – for myself
Baskin Robbins bought 3 quarts
Baskin Robbins bought 3 quarts

Half Gallon 31% Discount Available at Lazada

At night around 11:00 PM, I checked if Lazada got Baskin Robbins 31% promo. Last March 31st, Baskin Robbins only offered their 31% discount at Lazada. You had to buy the e coupon then redeem at the counter.

To my surprise, the coupon for half gallon was available.

Baskin Robbins Half Gallon 31% discount
Baskin Robbins Half Gallon 31% discount

However, you could buy the coupon on 31st May but can only redeem it on 1st June onward and valid for 3 months.

Baskin Robbins 31% discount terms and conditions
Baskin Robbins 31% discount terms and conditions

Received e-Voucher via Email

You will receive an e voucher similar like this via email where you can redeem it within 3 months.

baskin robbins wogi send e voucher
baskin robbins wogi send e voucher

Show the e voucher at Baskin Robbins counter to redeem your ice cream. Of course it shows value RM111.50 but in actual fact you just pay RM76.94

baskin robbins e voucher redeem
baskin robbins e voucher redeem

Yeah My Half Gallon

This is my half gallon that I bought at Lazada.

Anyway this is more efficient way to get 31% discount by buying it first at Lazada then can redeem it any hours within 3 months. It avoids long queue at Baskin Robbins.

baskin robbins half gallon
baskin robbins half gallon

However the problem is on information diffusion where lack of info at Baskin Robbins website or even at their outlet signage. They should improve on this.

Baskin Robbins Opening Hour During MCO

In summary during MCO different outlets have different opening hours. In principle, below are the different opening hours.

Open: Either 11:00AM or 12:00PM

Close: Either 8:00 PM or 9:00PM

Baskin Robbins opening hours during MCO
Baskin Robbins opening hours during MCO

 

 

Repair Broken Frame Toilet Mirror Using Hot Glue

My toilet mirror frame was broken due to water humidity. I bought the mirror in 2013. I don’t want to replace it because the mirror itself is still in good condition. Only the bottom frame was detached.

Dry The Mirror

Firstly, I dried back of the mirror under the hot sun. It was bit humid at the back. At same time, I used hair dryer to ensure it was totally dried.

toilet mirror - broken frame at bottom due to water
toilet mirror – broken frame at bottom due to water

Apply Hot Glue

Then I switched on my hot glue gun for few minutes before start applying the hot glue gun.

Press a bit the hot glue gun to see whether the glue is ready or no.

toilet mirror - hot glue frame
toilet mirror – hot glue frame

Then apply evenly on the surface.

toilet mirror - apply hot glue
toilet mirror – apply hot glue

Stick the frame quickly before the hot glue dried, hold the frame for few minutes to ensure the frame is stick to its body.

Apply again hot glue gun on any gaps that you see. Let it dried by itself.

toilet mirror - frame done hot glue
toilet mirror – frame done hot glue

Make It Neat

I then used masking tape to make it looks neat.

toilet mirror - masking tape
toilet mirror – masking tape

The Repaired Mirror

The repaired mirror frame is strong like new one.

toilet mirror - repaired
toilet mirror – repaired

Cost of Repair

Its cost me RM20 for the hot glue gun and RM4 for four hot glue sticks. I used one hot glue stick to repair the mirror.

Of course, I can reuse back my hot glue gun for other repairs. So for me, it just cost me RM1 to repair the mirror.

hot glue stick
hot glue stick

Covid-19 Investment Opportunities

Covid-19 is a crisis for some people and an investment opportunities for some. If you are on the opportunities side, I think Covid-19 creates lots of opportunities who are patient.

The real opportunities will start arise after end of bank moratorium. The most impacted industries are tourism to be specific accommodation, passenger transport and travel agencies which constitute 12.4% of tourism employee or 3.5M x 12.4% = 434,000 employees would be impacted.

 

malaysia tourism industries 2018
malaysia tourism industries 2018
malaysia tourism employment 2018
malaysia tourism employment 2018

Stocks Investment to Watch

  1. Related to banking sectors
  2. Gaming sectors like Genting
  3. Accommodation like Shangri-la Hotels Bhd
  4. Related to airlines

I am personally more interested into banking sectors with good fundamental and investment view of 5 years.

For airlines try to avoid as even Warren Buffet sold off all his holdings in airlines industries even at a lost because according to him, the cost to fund the airlines business after Covid-19 is higher than selling it now.

Why banking?

Banks profits are much lower in the coming Q2 till Q4, 2020 due to moratorium, higher provision due to bad debt and stringent lending policies.

I expect some panic selling after the moratorium that we could tap on.

Real Estate Investment

Possible higher properties being auctioned or sell at lower market value after bank moratorium or even after the MCO (Movement Control Order).

Most of properties will be near by location of employees related to tourism and properties short term rent like AirBnb.

Building Your War Chest

In any investment you require cash in order to invest. So put aside saving from loan moratorium, EPF withdrawal as your war chest fund. Be patient.

Be Expert

Learn more about stocks and real estate investment, don’t simply invest.

For real estate, start monitor few locations that you are interested in. Look for the price movement and its surrounding. Invest in good locations.

References:

DOSM – Malaysia Tourism Y2018
Warren Buffet Sells Airlines Stocks

 

Roti Canai Sedap di Kota Bahru

Balik kampung sempana Hari Raya Aidilfitri pada Jun, 2019, sempat singgah ke gerai makan tepi jalan yang menjual roti canai yang sedap.

roti canai sedap kota bahru kelantan
roti canai sedap kota bahru kelantan

Roti canai kuah dal

roti canai sedap kota bahru
roti canai sedap kota bahru

roti canai kuah dal

roti canai sedap di kota bahru
roti canai sedap di kota bahru
nasi berlauk kota bahru
nasi berlauk kota bahru

 

nasi lemak sambal manis
nasi lemak sambal manis
kuih topi
kuih topi

 

Lokasi

Lokasi Roti Canai Sedap Kota Bahru

QGIS How To Create Hexagon Grid Based on Selangor State Boundary

GIS hexagon grid can be created using QGIS. In this case I’m using QGIS version 2.18.15.

First of all, you must have a boundary layer. I’m using Selangor parliamentary boundary.

QGIS Selangor Parliamentary Boundary
QGIS Selangor Parliamentary Boundary

Steps to Create Hexagon Grid

1) Enable the Processing Toolbox

View -> Panel -> Toolbox

QGIS Enable Toolbox
QGIS Enable Toolbox

2) From the Processing Toolbox, select Create Grid

QGIS Processing Toolbox
QGIS Processing Toolbox

3) After setting the configuration as follows, click run:

  • Grid type: Hexagon
  • Grid extent:  Select canvas and choose Selangor boundary or your boundary layer.
  • QGIS Use Extent Selangor Parliamentary
    QGIS Use Extent Selangor Parliamentary
  • Horizontal / Vertical spacing: 0.025 (means 0.025km)
  • Grid CRS: EPSG 4326 (or popularly known as WGS 84 where Google Map use this CRS)
QGIS Hexagon Grid Processing
QGIS Hexagon Grid Processing

4) After click Run, a hexagon grid layer will appear as follows:

QGIS Hexagon Grid Layer
QGIS Hexagon Grid Layer

5) Select Vector -> Research Tools -> Select by Location

QGIS Select By Location
QGIS Select By Location

6) Input the Configuratoin for Select by Location as follows, then click Run:

  • Layer to select: Your Hexagon Grid Layer
  • Additional layer (intersection layer): Your boundary layer in my case Selangor parliamentary
  • Geometric predicate: choose intersects, contains, touches, overlaps
QGIS Select By Location Configuration
QGIS Select By Location Configuration

7)Then click Select Features using an expression -> Invert Feature Selection

QGIS Invert Feature Selection
QGIS Invert Feature Selection

8)After inversion, your hexagon grid would look like below:

QGIS After inversion
QGIS After inversion

9) Click Toggle Editing (pencil icon) then Delete (trash icon)

QGIS Toggle Editing & Trash
QGIS Toggle Editing & Trash

10) Final output would look like this

QGIS Hexagon Grid
QGIS Hexagon Grid

How To Reduce Al Rajhi Housing Loan Principal

If you have extra money and want to reduce your housing loan principal with Al Rajhi bank, below are the steps.

Steps to Reduce Housing Loan Principal

  1. Send an official letter to Al Rajhi,
    • state the amount to reduce principal
    • state your saving account number with Al Rajhi
    • state your housing loan account number
    • authorize Al Rajhi to deduct the amount from your saving account with Al Rajhi
    • sign the letter
  2. Ensure the amount is in your Al Rajhi bank account
  3. Email the soft copy letter to customersupport@alrajhibank.com.my
  4. Ensure Al Rajhi provide you with acknowledgement
  • There is no minimum amount to reduce the principal
  • It takes 7 working days to process
Notes

This information is verified as of 31st March 2020, when I made a call to Al Rajhi call centre. Better to double confirm with Al Rajhi regarding your housing loan.

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

**Latest update, your loans are automatically entitled for moratorium but you can opt out.

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

CIMB Bank

Maybank