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	<title>Life is Short... &#187; Money</title>
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	<link>http://www.erchongyee.com</link>
	<description>How I see the world...</description>
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		<title>Example of Tougher Life.. Version 2010</title>
		<link>http://www.erchongyee.com/archives/308#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.erchongyee.com/archives/308#comments</comments>
		<pubDate>Mon, 11 Jan 2010 13:23:39 +0000</pubDate>
		<dc:creator>Er Chong Yee</dc:creator>
				<category><![CDATA[Money]]></category>

		<guid isPermaLink="false">http://www.erchongyee.com/archives/308</guid>
		<description><![CDATA[Location: Fraser Hill (A famous highland resorts settlement in Pahang, near the border of Selangor). Main character: Mid-age Malay Makcik Nature of Complaint: 1. She has few children which the youngest studying down the hill in a secondary school near Raub. 2. The child staying in hostel to avoid intensive travelling, despite the fact that [...]]]></description>
			<content:encoded><![CDATA[<p>Location: Fraser Hill (A famous highland resorts settlement in Pahang, near the border of Selangor). </p>
<p>Main character: Mid-age Malay Makcik</p>
<p>Nature of Complaint: </p>
<p>1. She has few children which the youngest studying down the hill in a secondary school near Raub. </p>
<p>2. The child staying in hostel to avoid intensive travelling, despite the fact that the road up and down the hill isn’t that great condition and sometimes could be extremely dangerous in the dark.&#160; </p>
<p>3. For past years the child only come back home once a month with weekends staying in school. </p>
<p>4. Starting this year, due to reduction in subsidy to the students, the children are sent home every week, unless the parents were to pay RM 8 a day for the children to stay in school during weekends. </p>
<p>5. Either way, the burden for the parent had increased. In average she need to have extra budget of RM 48 a month if she continue to put the kid in school during weekend. For her to bring the kid back every weekend, she has to travel down more frequently which increase her expenses as well.</p>
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		<title>We Had Lost 1.5 Mil</title>
		<link>http://www.erchongyee.com/archives/262#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.erchongyee.com/archives/262#comments</comments>
		<pubDate>Wed, 09 Sep 2009 23:51:38 +0000</pubDate>
		<dc:creator>Er Chong Yee</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[LDP]]></category>

		<guid isPermaLink="false">http://www.erchongyee.com/archives/262</guid>
		<description><![CDATA[As you may heard, there was a massive jam on LDP yesterday morning starting around 7 o’clock. It was due to a burst pipe somewhere near Puchong Gateway. The congestion lasted till around 11 o’clock in the morning. The queue was very long and if assume there were 50K cars jammed for 1 hour each. [...]]]></description>
			<content:encoded><![CDATA[<p align="justify">As you may heard, there was a massive jam on LDP yesterday morning starting around 7 o’clock. It was due to a burst pipe somewhere near Puchong Gateway. The congestion lasted till around 11 o’clock in the morning. The queue was very long and if assume there were 50K cars jammed for 1 hour each. During the 1 hour, the car may had run extra petrol of 10 ringgit, then it was 500K extra spending on petrol for the day, or extra sales for petrol station for the day. Due to delay to the office, say each person worth 20 ringgit per hour, the productivity lost can be said to hit 1 million. In total, we had lost 1.5 million for the morning. </p>
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		<title>Register to Get Bill Free</title>
		<link>http://www.erchongyee.com/archives/246#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.erchongyee.com/archives/246#comments</comments>
		<pubDate>Wed, 02 Sep 2009 15:27:08 +0000</pubDate>
		<dc:creator>Er Chong Yee</dc:creator>
				<category><![CDATA[Life]]></category>
		<category><![CDATA[environment]]></category>
		<category><![CDATA[Money]]></category>

		<guid isPermaLink="false">http://www.erchongyee.com/archives/246</guid>
		<description><![CDATA[First of all, this is a follow up to the post “E-Statement…”. The major motivation for introducing to you this feature contributed by TM is to save more trees and petrol. So do you have your latest TM bill on hand? This is because you need to key in some information from the bill in [...]]]></description>
			<content:encoded><![CDATA[<p align="justify">First of all, this is a follow up to the post <a href="http://www.erchongyee.com/archives/239#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed">“E-Statement…”</a>. The major motivation for introducing to you this feature contributed by TM is to save more trees and petrol. So do you have your latest TM bill on hand? This is because you need to key in some information from the bill in order to get access. </p>
<p align="justify">So first step, logon to <a href="http://www.tmonline.com.my/">http://www.tmonline.com.my/</a>, then find the REGISTER link shown below: </p>
<p><a href="http://www.erchongyee.com/wp-content/graphics/RegistertoGetBillFree_E733/image.png#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed"><img title="image" style="border-top-width: 0px; display: block; border-left-width: 0px; float: none; border-bottom-width: 0px; margin-left: auto; margin-right: auto; border-right-width: 0px" height="243" alt="image" src="http://www.erchongyee.com/wp-content/graphics/RegistertoGetBillFree_E733/image_thumb.png" width="404" border="0" /></a></p>
<p align="justify">Then, you will be on the registration page. Just fill in all the required fields, and choose to either fill or not to fill the optional fields. In the form you will need to fill in your bill account number, date of bill and amount outstanding for any of your latest 3 months bill. </p>
<p align="justify"><a href="http://www.erchongyee.com/wp-content/graphics/RegistertoGetBillFree_E733/image_3.png#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed"><img title="image" style="border-right: 0px; border-top: 0px; display: block; float: none; margin-left: auto; border-left: 0px; margin-right: auto; border-bottom: 0px" height="215" alt="image" src="http://www.erchongyee.com/wp-content/graphics/RegistertoGetBillFree_E733/image_thumb_3.png" width="404" border="0" /></a>Then you are ready to go. Remember that you need to set the bill delivery setting to as below: </p>
<p align="justify"><a href="http://www.erchongyee.com/wp-content/graphics/RegistertoGetBillFree_E733/image_4.png#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed"><img title="image" style="border-right: 0px; border-top: 0px; display: block; float: none; margin-left: auto; border-left: 0px; margin-right: auto; border-bottom: 0px" height="215" alt="image" src="http://www.erchongyee.com/wp-content/graphics/RegistertoGetBillFree_E733/image_thumb_4.png" width="404" border="0" /></a> And, once you set the receive paper bill to NO, you need will only be able to change the setting 3 months after that. However, that does not matter because you could just want the setting to be forever. Why receive paper bills? Ya, the setting is reachable at profile&gt;bill delivery once you login to the account successfully. </p>
<p align="justify">So, you then get bill free from TM. Anyway, you are not paying less, just remember (I hope TM could give a bit of incentive for users done so). Yet you are helping as human being to be more friendly to the environment. </p>
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		<item>
		<title>Are You the One Not Affected?</title>
		<link>http://www.erchongyee.com/archives/242#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.erchongyee.com/archives/242#comments</comments>
		<pubDate>Wed, 02 Sep 2009 13:55:37 +0000</pubDate>
		<dc:creator>Er Chong Yee</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[car]]></category>
		<category><![CDATA[economy]]></category>

		<guid isPermaLink="false">http://www.erchongyee.com/archives/242</guid>
		<description><![CDATA[Well, do you realize that sometimes, when you buy something, even though you pay the same price, but without knowing you are actually getting less? For example, when you go and eat your favorite&#160; one ton mee, out of sudden you realize that your RM 3.50 paid for only 2 wantan instead of 3 which [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.erchongyee.com/wp-content/graphics/AreYoutheOneNotAffected_F63B/image.png#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed"><img title="image" style="border-right: 0px; border-top: 0px; display: inline; margin: 0px 10px 0px 0px; border-left: 0px; border-bottom: 0px" height="243" alt="image" src="http://www.erchongyee.com/wp-content/graphics/AreYoutheOneNotAffected_F63B/image_thumb.png" width="404" align="left" border="0" /></a> Well, do you realize that sometimes, when you buy something, even though you pay the same price, but without knowing you are actually getting less? For example, when you go and eat your favorite&#160; one ton mee, out of sudden you realize that your RM 3.50 paid for only 2 wantan instead of 3 which you get one day earlier, and the wantans are actually smaller? Or do you have experience that when you buy shampoo, the same similar bottle may contain 50 ml less than what you bought earlier? My personal experience, every each small pack of mamee is containing much smaller portion of mamee compared to our young age time, even though the price is still almost the same. </p>
<p>Do you think the examples above actually means the same to you? If yes, then you are agreeing to what Datuk said, that since you are still paying RM 1.80 per liter of petrol, no matter it is RON95 or RON97, you are not affected with the change. I think 11 out of my any 10 people, won’t believe in that theory. I hope I can find the 12th person. </p>
<p>I really hope that we can see things from another angle. Actually what the government doing is good to us also. Maybe, the intention is to encourage the thinking of drive less, save more. Human beings are adaptable to what ever changes happen around, provided that the change don’t kill us off. We have been surviving the age of petrol price hiking at RM 2.70. So it is so lucky now that the different of price is only 5 cents per liter. </p>
<p>Just to share another piece of information that maybe good to calm you down, where it actually tells you RON95 is actually better for your care than RON97. Then you may feel more comfortable paying the same price, if not higher, to buy RON95 instead of RON97.</p>
<p>This is clip from an email sent by a good friend: </p>
<p>&#160;</p>
<p align="justify"><b>“The Difference between RON92, RON95, RON97 and RON99</b></p>
<p><b>FOR YOUR INFORMATION!</b>    <br /><b>     <br />Understanding The Difference between RON92, RON95, RON97 and RON99</b></p>
<p align="justify"><b>The Difference between RON92, RON95, RON97 and RON99 </b></p>
<p>Many said that RON92 oil is the older oil, only suitable for older cars or for cars that use carburetor only. There are also some that said that RON92 oil will make the engine dirty and also said that RON92 oil is less powerful compared to RON97 and RON99. Before you make any false assumptions,<b> let us see what the real meaning of RON is.</b>    <br />RON stands for <b>Research Octane Number</b>. <b>Octane number or octane rating</b> refers to the <b>gasoline ability to withstand auto ignition (knocking) inside the engine</b>. Higher octane number refers to higher ability of the oil to fight auto ignition. In other words, it means that <b>RON95 is harder to ignite compared to RON92</b>.    <br />Different vehicles are designed to be used with different octane number of oil. <b>Higher octane number oil is basically designed for high performance vehicles such as sports vehicle and racing vehicle</b>. Why is that so? This is to <b>avoid premature ignition of oil inside the engine because of auto ignition</b>, which happens before the spark plug ignite the fuel. This phenomenon is known as knocking. Knocking is not wanted because it reduces the performance of vehicle.    <br />The right usage of octane number <b>based on design and adjustment of engine</b> will maximize the performance and effectiveness of the vehicle. Modern vehicles are equipped with knock sensor which enables it to adjust its combustion timing automatically according to the oil octane number to avoid knocking or premature ignition of oil.    <br /><b>     <br />Not all vehicles require high octane number petrol</b>. You can check your vehicle fuel requirement inside the <b>guide book of your vehicle</b> or you can simply check the <b>minimum Octane Rating at the back of the fuel lid cover</b> of your vehicle. Most cars can still use RON92.    <br />Higher RON number does not mean that it is more powerful. It means that it is harder to ignite. <b>It will also cost you more.”</b></p>
<p align="justify"><strong></strong></p>
<p align="justify">So we are so many years paying higher price for something that not at all necessary, I mean by using RON97 petrol. Government is actually helping us up now. </p>
<p align="justify">Caveat is, what do you experience after changing from RON97 to RON95? My friend told me that he experience under power and consume more petrol. I am not sure whether it’s true because I am still observing. What’s your experience so far? </p>
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		<item>
		<title>Security for Internet Banking&#8230; Avoid being Cheated by Phishing Emails.</title>
		<link>http://www.erchongyee.com/archives/237#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.erchongyee.com/archives/237#comments</comments>
		<pubDate>Thu, 27 Aug 2009 15:42:14 +0000</pubDate>
		<dc:creator>Er Chong Yee</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[banking]]></category>

		<guid isPermaLink="false">http://www.erchongyee.com/archives/237</guid>
		<description><![CDATA[I did have another posting about the similar issue and was mean to remind the fellow friends do not ever believe in emails asking you to login to your Internet banking account by following any links (which is available here). This is kind of repetition but I do believe that security is worth to be [...]]]></description>
			<content:encoded><![CDATA[<p align="justify"><a href="http://www.erchongyee.com/wp-content/graphics/SecurityforInternetBankingAvoidbeingChe_14D32/image.png#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed"><img title="image" style="border-right: 0px; border-top: 0px; display: inline; margin: 0px 10px 0px 0px; border-left: 0px; border-bottom: 0px" height="157" alt="image" src="http://www.erchongyee.com/wp-content/graphics/SecurityforInternetBankingAvoidbeingChe_14D32/image_thumb.png" width="404" align="left" border="0" /></a> I did have another posting about the similar issue and was mean to remind the fellow friends do not ever believe in emails asking you to login to your Internet banking account by following any links (<a href="http://www.erchongyee.com/archives/183#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed">which is available here</a>). This is kind of repetition but I do believe that security is worth to be reminded even multiple times. </p>
<p align="justify">So what all the Internet banking services I have ever used, emphasized to the users that they do not, in any circumstances email or phone the users to provide to them user name and password. Also, they will not request your to login to the Internet banking services by any links embedded in emails. You are encouraged to only login to the account with the official URL by keying it to the address bar of your browser. </p>
<p align="justify">So for next time if you have seen any email requesting you to login, to activate, to re-validate your account or what ever, the one and only response is to ignore it. Even better, please report to the bank to keep a record and for the bank to perform any further action if needed. Please do remind your friends who is new to internet banking to take note as well. </p>
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