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

 

 

 

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

Good Kangaroo Sample Questions

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

 

Shopee Malaysia Automatically Cancelled My Order

I was surprised suddenly my order at Shopee Malaysia was cancelled by them. It seems the shop was also banned from Shopee.

order cancelled automatically by shopee
order cancelled automatically by shopee

So I emailed Shopee asking about this, their formal answer was they will refund the money within 7 to 14 working days without giving details why the order was cancelled.

shopee email response on order cancellation
shopee email response on order cancellation

Fortunately, I received the refund. It makes you feel more confident in buying from Shopee website.

shopee order charged to my credit card
shopee order charged to my credit card
shopee refund of my credit card
shopee refund of my credit card

 

AirBnb Guest Signs and Reminders

I was setting up my first AirBnb unit. I was looking for good guest signs and reminders at the internet. To my dismay, I couldn’t find a complete one.

So I decided to create my own guest signs and reminders that you can put at prominent places.

I watermarked though the signs but you can get good ideas on what to put on your signs.

House Rules

airbnb house rules
airbnb house rules

Toilet Rules

airbnb toilet rules
airbnb toilet rules

Bedroom Rules

airbnb bedroom rules
airbnb bedroom rules

Check Out Checklist

airbnb check out checklist
airbnb check out checklist