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The state of our education system - so true

on February 15, 2016

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My Referral Codes 😉

EwalletsBanks-------------------

Aeon Digital Bank - AB697211

⛽Petronas Setel - bckru

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Robo Advisors---------

MyASB RIA - XQBOXK

Kenanga KDI -100162

MyTheo invest -ONGCJEBG6Z

Stashaway - jonoav

Rakuten Trade - Buy stocks - 4ffdWBHYBI

MIDF Invest - US stocks - https://join.midfinvest.com/os9X

Tokenize - LefBG

Peer to peer lending---------

Funding Societies p2p - j6a79nam

Microleap - 212113

CapBay - 163954

Learn Languages---------

iTalki - 6Hecbb?hl

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👉 Rakuten Trade Referral Code - 4ffdWBHYBI 📈💰
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My Public Bank PBSecureSign Activation Experience without debit card - hint : just go to branch

Banks moving away from SMS OTP All of the banking apps in Malaysia now require device binding (phone binding) to do 2nd level banking transaction authorization replacing SMS OTP/PAC/TAC which are less secure. This means that to open the app the device (phone) has to be registered 1st into the app. Device binding in bank apps ensures that only authorized devices can access your account. This enhances security by preventing unauthorized access. The Public Bank flavor of device binding is called Public Bank Secure Sign aka PB Secure Sign.PB Secure Sign is a two-factor authentication system offered by Public Bank in Malaysia. It strengthens the security of online and mobile banking transactions by requiring registration, activation, and biometric verification, ultimately safeguarding customer accounts against unauthorized access. The Maybank equivalent is Secure2U. I recently just changed my handphone and had to register the PB Secure Sign on the new phone. The final activation required

What is Pemulihan IPD in EPF Statement - EPF depositors investment scheme

I recently checked my EPF/KWSP account online after EPF announced its returns for year 2020. In the EPF statement I see these strange transactions called " Pemulihan IPD ". So did some research online and found that Pemulihan IPD transactions are transactions after selling unit trusts that were previously bought using EPF money. IPD is the short form for Institusi Pengurusan Dana and this refers to unit trust/mutual fund/fund management companies like Public Mutual, CIMB Principle, Affin Hwang etc. IPD stands for Institusi Pengurusan Dana which literally means fund management instiutions. EPF gives depositors option to withdraw funds from EPF Akaun 1 to invest in selected unit trust funds from fund management companies. This scheme is called members investment scheme / Skim Pelaburan Ahli KWSP. When the unit trusts bought under this scheme are sold, all the money will go back into their EPF Akaun 1. Depositors cannot take that money out into their bank account. Money that

List of telesales telemarketers numbers from Banks and other companies in Malaysia that I know 2019 - 2024 📞📵Spam Cold Call Scams

In this blog post, I've put together a comprehensive directory of telemarketing numbers from banks and various companies in Malaysia for the years 2019-2024. Having personally experienced numerous calls from these numbers, I realized that it could be helpful to transform this inconvenience into a productive resource for others. Sometimes, it's challenging to differentiate between telemarketing calls and calls from friends. Therefore, I've decided to list these numbers here, making it easier for everyone to identify them. Surprisingly, this post, written three years ago, has garnered a significant number of views, indicating its usefulness to many. If you have any additional numbers related to telemarketers, please feel free to tip me off via email at JaOng85@yandex.com. Surprisingly, this post, written three years ago, has garnered a significant number of views, indicating its usefulness to many. If you have any additional numbers related to telemarketers, please feel fr

My eToro Malaysia copy trading/social trading 📈

eToro is a copy trading website. Basically how it works is once you have signed up, you can copy exactly what the traders/investors you copy buy and sell. For example, if the trader buys X amount of Tesla stock, your will also copy that X amount roughly proportionally to the amount of cash you allocate to the trader. Traders are all graded based on their risk profile with 5 as high risk and 1 as low risk. I first heard about eToro from a training classes where the instructor boasted about buying Amazon and Tesla shares from this platform. eToro democratizes fund management also in a sense anyone in the world on the eToro platform can be a fund manager now, anybody can copy anybody. On eToro you can either use copy trading or DIY. Copy trade is basically you select traders to follow, whatever they buy you will copy them. DIY is you trade it yourself, for those with very good performance, other people can follow the DIYers. There's a huge multitude of traders in eToro, forex, co

For Runners - How to get to Padang Merbok Jalan Parlimen using Public Transportation LRT MRT KTM 🏃

1st time I joined a race/running event which was held at Padang Merbok, Kuala Lumpur. The running event started at Padang Merbok, and the route circles around Bank Negara HQ and Bukit Tunku area. Padang Merbok, situated in the heart of Kuala Lumpur, was a vast open field built during the colonial era, Padang Merbok became a pivotal site during the nation's struggle for independence. On August 31, 1957, the historic declaration of Malaysia's freedom was made nearby at Stadium Merdeka, solidifying Padang Merbok's connection to the birth of the nation. Over the years, this expansive green space has hosted numerous national celebrations, public gatherings, and cultural events, standing witness to Malaysia's sociopolitical evolution. Padang Merbok is also commonly used for public gatherings and meetings. The nearest train line to Padang Merbok is Masjid Jamek LRT that is right in Kuala Lumpur city centre. If you're taking MRT, just do a switch from Pasar Seni MRT