Saturday, October 5, 2019

New Payment and Refund Policy and a few other bits

As we go forward with e-Payments such as SGQR, AliPay, etc some acquirers are refusing to refund the admin fees incurred by refunding or voiding a transaction and these are quite steep. For example, Paypal charges 3.5%+50c per transaction each way and means by making a refund, the merchant is 10% out of pocket usually, and this is on top of Taxes we need to pay.

As such, herein forth, all payments are subjected to PAYMENT CHARGE of 5% and any refunds back to the payment mode attract a reduction of 5% in fees. However, payments to BACS in GBP, SGD, MYR in local payment mode such as CHAPS, PAYNOW or MEPS are free..subject to the local exchange rates.

As we use many payment processors, it will be applied across the board as part of the GST+FEE.

Not so sorry, but these thieves are stealing more than what they should be.

Friday, September 20, 2019

Of democracy and Chaos

Hong kong has been jewel of the Orient.But now?

Here is lesson learnt 50yrs ago.. proud malaysia kicked put singapore and say we will never make it.. its a swamp etc..yes..we even have a train station meaning Big Swamp [Paya Lebar]... they removed the dollar ringgit currency par cos they say we are only worth 50sen or half value..cos we had nothing.

Hong Kong was such a proud city. Looking down on Shenzen and others.

Now The slums are now the bustling city where angmohs or guailoh flee the fledging EU economy and work..staying in small local housing instead of condo etc.

HK problem is politicians does not want to make the housing matter a win win.

We Singaporeans ourselves Sinkies..cos we are sinking too. We make noise of policies but its how we swallow it.

U want to make a difference...go to the polls.

I travel alot to china..HK and the world and I find HKnpple are so proud...and yet very rude. They cant even speak proper English. India nationals can speak better.

I hope we do not have to see HK as how Malaysia citizens are treated... running across the border daily..spending 2hrs at the border so they can earn a living and feeding their families back home. All because the economic power depreciated due to bad policies.

But then..the rich HK pple liken to Johua run away like cockroaches..getting British passports and even Sg passports... and claim they to be the local when they did not even contribute to the nation building...or doing National Service.

Thats why even the Jakarta swamp is propering with huge datacenters etc....

Mongkok is a good example... HK a developed city..but still slums akin to Chow Kit in Kuala Lumpur.

Fix the clean city. Didnt SARS teach u that? I lost friends too then OK...and I almost went down.

God bless.

Peace. Salam.

Wednesday, May 15, 2019

Resilient File Service aka Windows LVM

Some one did ask for how to use this for Storj.IO new crowd computing....

so simple way to do things...

One is Windows 10...

Windows > type Storage

and you see manage storage

and U will need 2 or more HDD connected to be able to use this.
External HDD can be added to the pool after you create the internal one

Else you will see the standard error

I will do a video when I do this properly...

Thursday, March 21, 2019

Article 13 Access From EU

In anticipation of Brexit (Brits kicking the Euro-crats out) and the EU Article 13 Copyright policy.. We have to state as much...

Whilst many of the images etc are proprietary to the software copyright holders, we are not going to get it licensed as we have licensed the use of the software or services.

As such, users from EU are NOT ALLOWED to access data on my site or any sites I control. If you do, that's your choosing. As such , we are not held responsible for copyright claims under EU Law.

So ...go fish!

Gundu Guide to OpenVPN (Part 1)

In relation to many requests... I have decided to make one simple Gundu Guide list for some of you.
Starting with Creating a VPN for Dummies. This is useful for people who have HIGH SPEED INTERNET at home or Office and have little or no Linux knowledge.

Google Cloud Compute Account
Debit card to activate your Google Cloud Account
A little patience...or more of it.

There will be little images as example... so please accept my apologies... My Photoshop acct is blocked.

So now you will need to create a Google Cloud Account.
You can use my search on the side to find out.

Using your debit card to verify, you will get $300 in credits.
It will be enough.

Next up, you will need to activate your account. Enable the Billing so you can create instances.
So next up is to create your Instance. It takes a little tad of a few networking.

2 things needed to be done. U will need to create a firewall bypass and also a Linux Instance.
First off, go to firewall by clicking networking > Firewall Rules.
U can do a Open New Tab easily.

< Tag Bastion ,open-all-port

Scroll to your Console and Compute Engine
Create an Instance by going to the VM Instance.
Use 2vCPU 7GB Ram, Debian Jessie, 50GB will be fine

Resilient File Systems on Windows 10

ReFS - Have you heard about it?
Nope... I did not too, until recently. And I was quite puzzled by it.

So, back in Windows 8.0, Microsoft decided to allow desktop users to RAID in their computers without the need of a raid card. Yes. You heard me. No Raid Card.

Typically, if you need a Huge drive for your use, you will need to have an attached drive for your nonsense but with ReFS, the limit is gone. You can map them just as how LVM in Linux a virtual way.

But Hey.. there is something I found more sinister:

You can add SSD mixed type drives into the array.
You can add External HDD drives into the array!
You can map drives attached using your eSATA or other adaptations too...

So how it works...I doubt this may be true but here goes

E:\----> SSD (critical) ---> SAS ---> SATA---> External Drive for cold data

But hey.. thats far better than my Synology Drives

Tuesday, November 20, 2018

Appeals of Mara loans / Rayuan Permohonan Pinjaman Mara

In my previous posting about Pinjaman Mara , some still do not understand the facts and figures.

OK , put it bluntly... lets get to basics.

HOW MUCH CAN YOU PAY? Lump Sum + Monthly ?
Please check your CCRIS and CTOS report from Bank Negara and via the CTOS apps.
Can you open a Checking Account or Current Account?

As a lender, MARA is an organisation that is based on trust and for that matter, you are linked with your 2 guarantors, usually family members or friends. It pains them too because of you, they are in trouble.

Why I ask these matters, is that you must take charge of what your assets are and what are your liabilities. Student loans can be forgiven or huge discounts be given. I have heard full waivers if YOU COMPLETE 3 pointers aka 3.0 CGPA Grade or First Class Honours.

If you study and flunk out like me.. need not fret. It is NOT the end of the world. Some educational institutions locally or overseas can take your grades as credits and provide you waivers. However, you need to get your act together. Just because you have kids and all, does not mean you cannot work or study. Some take great lengths to work and study at the same time.

What pays GOOD MONEY? Driving a Truck or Bus pays as much as RM4500 a month. Working in Singapore too will get you more, provided you stay in Singapore and do not commute as the time wasted can be used for OT or other stuff. Bus Drivers in Singapore take home at least S$3500 or about RM10,000 !

PTPTN does that. Bankruptcy does that too. At one point or another, I did mediocre jobs like being a despatch rider for McDonalds and PizzaHut to feed the kids. Its long hours did not mean I cannot do anything else during the TRAFFIC JAM hours such as postal delivery et al.

I truly understand where you are coming from and at times, family will press you down. I remember my late father ridiculed me having a PhD + MD and ride a bike sending food but that put food on my table and my kids not to go hungry. Going up and down is a grim reminder of me to be a HUMAN and be kind to others, to be charitable and even the small help will go a long way.

Coming to the appeal. Encash every single piece of jewellery you can find. AR-Rahnu pays good money for jewellery. Do not borrow from Credit Cards. It's a trap!

Now... Set this way.

Pay off MARA with 50% of all assets.
Sell all liabilities such as car etc. leave only ONE CAR and ONE BIKE for commute.
Write or call them. Email also works. Find out who is your case officer.
Think of your GAME PLAN. You want to work, study back, etc etc?

Think first.....

I will continue with this soon.

You can reach me at Facebook *(Azrin Info Web) or LinkedIn... for help

Tuesday, November 13, 2018

MARA Study Loan Waiver or Reduction.

I spoke about this before in a few other forums, on How to reduce your MARA Study loan ( Macam Mana Nak kurangkan Pinjaman Mara ) and since I did not monitor my Yahoo email ... because of spam and other reasons, I feel sad for many of them, whom had many issues.

I know, death of loved ones , loss of job etc can be harsh on a person. I suffered the same fate and with many other reasons but that does not mean your debt remains unpaid.

First off, Find out HOW MUCH IS OUTSTANDING.
Go to Mara Website and check on Semak Baki.
It will show you the exact balance.

MARA or Majlis Amanah Rakyat or The Peoples Trust is created to help bumiputera and many more in studies and entrepreneurship. Many however, broke their trust.

If you completed your studies, then you could appeal for a FULL WAIVER if you are a CGPA 3.0 score achiever. However, many especially overseas, barely scrape through due to lack of understanding, poor conditions or just being a student and irresponsible.

Many dropped out half way and it is unfair to pay the university for 4yrs of education when you only attended 2 years. Dropouts due to health issues can be used as an excuse provided proof is available.

OK, back to basics, how you send an appeal.
Are you , able to commit to a monthly payment of RM300 a month? If so, then open a CURRENT ACCOUNT with check book and prepare a year of payment.
If you have money in KWSP, you can ask them to withdraw it to pay off MARA.  You can find the checklist from Unit Kawalan Kredit

So what about you really cannot pay? Unemployed etc?
You need to write in to them and explain your scenario and offer them a resolution. Even RM50 a month is better than nothing at all.

So how did I do it?

First off, I was furthering my education into another field, overseas. Whilst then, I offered to pay them what I could which was RM50 a month since I am still studying. I acknowledge my debt and asked for waiver of any such fees, which they did.
Promptly, I send them post dated cheques for the payment amount which I can offer. They may be a bit pissed off but tell them , that's what you can. Substantiate with evidence such as letter of acceptance, your bank statements and stuff like that.

Trick is, if you pay them properly, even slowly, they are more compelled to grant you waivers or discounts. Recently, MARA boss Annuar said they are giving 50% off... so what else can you do but go grab.. Pay them, Drive Grab etc.
You need to feed your family too right?

Monday, November 12, 2018

New Mission Statement and stand on Modern Slavery

I am a Muslim and it means I submit to the orders of God, the One , The Mighty.
And in doing so, I pay my Zakat or Tithes and it reminds me of the recipients of zakat which one always overlook, Riqab or Freeing of Slaves. In the old days, if one does not pay one's debt, one become MUFLIS (meaning No Fulus / coins) and thus a bankrupt. What happen then is the person or family is sold as slaves till debt is paid.

Though I am not such a devout Muslim, I try not to piss the Boss. Now, in these new era, a slave is one who is not independent, a Bankrupt or Insolvent. One is then trapped in endless vicious cycle of chasing for money to pay off debts. Credit cards are such a trap. And I seen it how it affects if you are a bankrupt.

Every time someone borrows you money, give them leeway to pay. And if one really cannot pay up and if your forgiveness can cause much joy and help the borrower's family, then, it should be such.
There was a movie or phrase of such in Italian "Rimetti a noi i nostri debiti" and it's a meta phrase from Jesus words himself.

If one forgive others, God will forgive you more of your debts.

And as such, we hereby publish our stand on Modern Slavery which is Riba or Usury which is far worse than interest taking.

May God forgive our sins.

Secure or not

So what is this buzz over secured web page et al?
Well, if you have been blogging (not InstaGram etc), you have noticed that your page will no longer be ranked safe if it is not over secure SSL.
SSL or Secure Sockets Layer is that yellow logo with a padlock on your browser but mainly its to tell you that your connection between the server and yourself is safe and secure.

But is it really secure?

Some fanatics will keep on telling you to use a VPN or secure tunnel if you are paranoid and as a service provider, I will honestly tell you, that the ISP has nothing to do with downloading your data surfing online, unless you are after stuff such as terror related ( aka how to make a dirty bomb ) or how big is Amy Yip Bombs are *( read as Porn) , then you will want that. However, ransomware , adware, malware infestation is the biggest bugger and those bad boys usually use a burn PC.

In honest fact, many sell SSL certs for nothing. Comodo (yes the dragon) is one of the cheapest and yet many do not trust. Many prefer GoDaddy, Google, Microsoft or even of the GlobalSign.

Enterprise grade ones work for the not just websites but network communications between servers and clients especially those running SAP which needs RDP (Remote Desktop) connections. Though signed by Microsoft Server (whichever version), keys can be expired or compromised.

For me.. I don't care much. I pay with AndroidPay or a burn card which is tagged to my phone.