Tuesday, November 29, 2022

Subsidy issues - Simple solutions for all.

 Malaysia now is in a new era of government and thus the government must listen to the Rakyat.

Fuel subsidy is a real pain in the backside for a lot of people, and they should learn from from both Indonesia and Singapore on how to run a fuel management system.

My take is as such:

Link with a Fleet Management Operator, such as Petronas, Shell, Petron, BHP or even a 3rd Party Fuel Reseller such as how in Singapore akin to BestFuels etc for DIESEL MANAGEMENT.

How it work? Every card /  RFID Token has preset quota per day / week and month and when it's finished, it's finished and they have to pay FULL TARRIFFS. So as a company, they could pool the subsidy up to their limits, based on their usage.

Example: ABC Bus has 20 Express Buses and each uses 260L and drives 2000km....which is a lot. So the quota will be 250Lx28days=7000L per vehicle and the preset fuel will be billed accordingly, on month-to-month basis. If the company has poor payment record, then the fuel subsidy will go like the Commercial Vehicle Owners, such as Grab etc.

Commercial SME users can use APP BASED discount where they are given discount coupons for their purchases and this is subjective to their 'QUOTA' usage. Of course, like here in SG, we have 'LOYALTY' cards which is nothing new, but these cards can come with preset discounts like 10-20% depending on membership *(standard, commercial, grab-driver)++ 

So fuel prices MUST FLOAT. To ensure dealers are not short changed, the price they pay the company is based on the amount of fuel dispensed, less all the coupons and discount codes. Again, this is to ensure fairness and equality, as some stations lose fuel to ullage is approximately 400L of Petrol a day. As a former station owner, our net dealership discount was only 3.5sen per liter and over a tankful of 52,000L delivered, we must sell that all in a day at least before we lose money due to weather.

We actually make a little bit more money on the shop stuff, like prepaid and e-wallet topup (50c per transaction) and what others.

So, if foreigners want to refuel, they pay as per float and if B40 wants to get super cheap fuel, the subsidy may be higher because they have more coupon or subsidy whereas those with high capacity cars, get lesser coupons.

So if you run out of coupons or if you are not entitled to subsidies, then you pay the full price. Simple as that. You cannot have a BMW driver enjoying same subsidy as those with earning less than RM4000.

The mechanism could be as follows:

Motorbikes, under 150cc                     RM100 or 50L of subsidised fuel at RM1; 50L @RM1.50.
Cars under 1500cc or over 10 years    RM300 or 100L at RM1 ; 100L at RM1.50
Cars 1500-2000cc                                RM200 or 200L at RM1.50
Small Trucks BDM<5T                       RM500 or 500L at RM1 (Same as fisherman)
Large Trucks / Bus                               RM2000 or 2000L at RM1

This will be far lower than the RM2.05 fuel price but they won't bleed too much as logistic cost won't go up. The bare subsidy can be applied directly to the fuel provider as a pool or likewise.

Put to this perspective, a Thai Pickup, refuel 60L x 3 a day = 180L of subsidy lost daily x 20 days...which is about 3800L of fuel subsidies or approx RM2000! 
My Singaporean Brethren are no better with their fuel monkey tricks, despite the RM4 full price of RON97...so at least there is a sense of targeted subsidy for the needy.

In a way, 50L of petrol = 700km for a biker, or 20 tankfuls of a Honda Cub, 1000KM for a small car based at 10km/L consumption, and these will spur the need to budget their commute to public transport.

As for Stage Bus, maybe the LTA-PPP Bus may work well, where the bus, fuel are by the MOT, and operators charge for the Labor and Operations. At least we will know the bus will be on time and maintained.


Tuesday, May 24, 2022

RFID - Touch n Go ... (Join JB Rite?)

 Honestly I play cheat alot cos I HATE QUEUE, esp paying for toll.

What U need:

Touch n Go e-Wallet account. Top it up RM100 (can auto reload also). Recommend use a MALAYSIAN NUMBER, Maxis Hotlink is good, 30day validity, you can get free data, just topup RM5 to make it alive every 15-30 days...or Digi/Altel with their 365 plan.

Physical TNG Card..which U need to pay the stupid RM20 RoadCharge anyway. FYI, many places NO STOCK! New RFID type wait long long.

TNG RFID sticker..this one U can buy on Shoppee or many shops can do for you.

I don't like to permanent stick, so I recycled an old McD VIP decal, put in middle of it, place 6 INCHES (2 fists) from top n bottom, macam how we stick road tax disc last time, AWAY FROM ANY OTHER devices especially if U got those gantry cards. If you do, place yr gantry cards in bottom of your car...this RFID is a very luan kuku nathen type.  I honestly way, have a clean left side, otherwise the alternative is more worse (paste at your number plate which must be PLASTIC)

Register, enter your plate number, and put the details, they will ask if malaysian car...just say yes.. cos Sabah Sarawak now plate same as ours...and wait for approval and activation.

Then, moment of truth, test at the RFID Lane on the toll. 

If OK, then all good. Money deduct from eWallet. U will get a notification for that.

Many place , parking is all DIGITAL, so pay using your TNG App, and shop locally using the ewallet like 7-11, Lotus (TESCO) , MyDin *(CHEAP!) and more

Good luck

Wednesday, May 4, 2022

Selamat Hari Raya 2022

 Salam Semua,... Selamat hari raya... mintak maaf lah eh..tapi posting posting yang memarahi org sg isi minyak (walaupon Ron97, VPOWER) dan apa2 lain...really now getting on my nerves....

Enuff talk lah.. SHUT THE FRIGGING BORDER DOWN! We don't need all the critics and noisy motorbikers. I hate those noisy and reckless bikers! Jangan kasi orang Singapore masuk langsung ok?!
Give you business also KPKB .... while at it... we stop all ships going to PTP and Port Klang too k...
Dulu yang mulut longkang selalu kata...MENYEMAK JER ORANG SINGAPORE NI.. tak sedar sedar lagi ker? 2 tahun tutup..yang mampos rakyat Malaysia yang kerja di Singapura..kerana gaji di KL RENDAH SEKALI..tak setimpal kerja.. Doctor di HKL gaji RM5000 banding houseman S$4000..cleaner pon dapat $3000! JB terus jadi macam changlun / kelantan...kedai tutup abis.... Nak lagi ker??
INGAT SIKIT.. Kerajaan dah tak cukup duit..nak sumbat dalam ATM pon BNM tak cukup... Barangan kita mahal giler kerana supply chain kita bottle necked kat Port Klang etc compared to SG... tak sampai 6 jam... kapal dah unload+loaded up+refuelled. Kita? 3 hari masih sangkut.
Kita kalau border tutup, orang SG boleh belanja di tempat lain....Australia ke.. Bangkok ke.. London ke....flight banyak.. dialu alukan lagi pelancong yang berbelanja di tempat mereka. Kita yang merantau di pulau penjara nie mencari sesuap nasi..kerana susah payah di tanah sendiri.... Ramai, setakat SPM je boleh digajikan lebih dari seorang doktor di Malaysia.... untuk kesenangan anak dan keluarga di Malaysia.
Don't make our lives more miserable. Kitorang pon terpaksa pakai kenderaan SG pasal nak bayar VEP etc MAHAL GILER!

Really frust lah.

Wednesday, March 30, 2022

Singapore - JB Border is NOW OPEN!

 Great News! Singapore - JB Border is now opening on 1st April 2022.

What you need:




4) MySejahtera App

5) Touch N Go E-Wallet

6) Touch N Go Card


Understandably, your TNG Card is DORMANT, so you need a new one. You got 7 days to get a new one but don't kanchong, Link your TNG Card to your e-Wallet and money will be deducted from there. Then once you reach JB, GO GET A NEW ONE AND TOPUP. This is for your ROADCHARGE! All Tolls now use E-Wallet money, and your Singapore based Debit Cards can be used in the wallet.

Check your card status by clicking TOLL button on the app and if your card is INACTIVE- means you are screwed, New Card is needed. Otherwise, you may be able to get a refund if you registered it on the TNG Portal



That is similar to Trace Together in Malaysia. You can either use your IC Number as ID or Passport Number but I suggest you use your Singapore NRIC for that as your IC don't change.

Register using your Singapore Number and then register your overseas vaccination cert on the HelpDesk.

One trick is for your kids to be placed in your account, so one check in, all checked in.

Vaccination Process update was covered before.

It takes 5 days to update! Bring your ORIGINAL Digital Cert!

As Malaysia tend to cock up, please keep paper printouts so you cover yourself.

Do not forget , their ATMS close at 11pm-6am!


Monday, February 7, 2022

Data Privacy and Protection.

 This Serves As A Legal Notice

Azrin Info Web and it's affiliated sites are hosted across the world, with Domain Services in United States and Entity Services Registered in Singapore, United Kingdom and many other locations.

While browsing the content here and throughout, your activities will be tracked by so many 3rd party services, for financial gain such as advertising or demographics or anything else for that matter and may be owned by Foreign Government Agencies.

The Data and Information may be passed and resold to other parties and by coming here, you consent that you have no right over your own data and stuff like that. In other words, ANYTHING GOES, similar to the dark web and the operators and content providers, it's agents and affiliates are not responsible for your safety and security.

Malaysia Government Regulations require us to inform you that our servers are located across multiple countries, commonly known as CLOUD DISTRIBUTED NETWORK and Services in Malaysia are operated by Zyraz Technology Berhad, Co Reg 809970H and it's subsidiary, ZYRAZ VENTURES which are all owned by Zyraz Technology Singapore, UEN SG53231076D.

Our servers are located primarily in Singapore, Malaysia, UK, US, Ireland, Germany and China via AliYun Cloud Servers. So these governments can get hold of your data without us even knowing.

As such, you are responsible over your own actions.

MySejahtera for Singaporeans


So you are getting ready rite? Don't get caught out with our good friends in Malaysia.

As we all know, they will Roti Canai / Prata / Tosei all of us as much as possible. So here is the thing you need to do.

Your Vaccination Cert - Print off from Notarise and SCREENSHOT your cert in JPG from TraceTogether.
SingPass is needed. If you have those manual one from the center, also can but LAMINATE IT!

MySejahtera App. I will recommend get a local number + use your IC Number instead, not your passport. You can register using an email address, but you know lah how efficient their are.

As of now, I used my phone number in Singapore and DON'T WORK. Best go buy Maxis Hotlink as they have 120 day expiry and RM5 topup will let u renew (or even SOS topup)

The politicians say they will recognise our cert but we all know how it goes, and their fines are super high (RM1000 ~ S$350) so lets not be stupid.

Tuesday, November 2, 2021

Dogelon Mars [ ELON ] Coin - What's my take?

 I am a crypto fanatic, but sometimes I take the cautious step onwards. I hold some for long and some for short and mainly, it's money I can afford to throw, like going to a amusement center and indulge in my games of skills and all.

Elon Coin aka Dogelon Mars is a new coin, hyped out from DOGE and SHIBA with a current market cap of about USD900M with 1 QUADRILLION (1000 Trillion) coins issued out.

As of now, only Crypto.com is the only place selling and trading them, with a vague price of about 1 Euro to 1 Million Elon. There has no proper confirmation that ELON MUSK endorses the coin unlike what he tweeted about SHIBA the other day. I believe this is a token fee for listing in the exchange, tradable against EURO/USD/GBP/XSGD and USDT (teethers).

It’s more or less, speculative market, with some incepting at about $0.35/Mil and mostly between $1~$3 per Million Coins

Most players are Buy,Sell,Profit Take,Rebuy,Resell Cycle and with my own mid-time inception test *(where there is currently a 35M Trade Limit) , made about 150% profit on a mid range and rebuying to keep to the same level of purchases.

Only way to ride this out is to ensure the big market holding, ie with the huge number of people holding the coin so it’s more tradable. 

However, I did some digging at their original contract where there are are some nasty comments with the transactions still pending by heck of alot and by over weeks and months. The developers have been keeping quiet and I honesly feel if you can afford to lose the money, go ahead..but other than that... do your proper due diligence. 

Thats my 10 min wrap

#Doge #ELON #elonmusk #ELONCOIN #DOGELON

Wednesday, January 20, 2021

Malaysia - Home of red tapes and corrupt officials

 Yeah, you read it right. I am telling you blindly that Malaysian Officials Are Corrupt. Look at Najib. Convicted of CBT etc and still out walking like nothing wrong. And that things are so slow on their actions that the Malaccan Bullock Cart is faster than them.

Take example Trucking and Logistics. They are so engrossed in paperwork that the basic stuff like ROAD SAFETY and ROAD WORTHINESS is not to the par. You need a CVLB permit to be a carrier, even delivering your own stuff aka Pembawa A or Pembawa C (A or C Carrier) being A is nationwide and C is limited to State Wide and neighbouring states.  This was created by the British for Indian States for monopoly. Then you need a Commercial Drivers Permit from CVLB and JPJ ( DVLA/ROV/LTA) which is a separate license and Police Permits and Roadworthy checks by Puspakom.

Puspakom is a joke and a monopoly. You wait for 6 hours to get your truck inspected. Whats so hard to check a Truck? Corrosion, Tyres, Brakes, Lights and Exhaust. All because they want coffee money. I did a commercial vehicle test in Singapore and it takes 20mins...from queue to pay to getting the cert. And this is PERIODICAL CHECKS.

Why not make it OPEN and SIMPLE? The need to control number of commercial cargo companies are just plain bull to me and it should be an Open Market thing.

Just in Singapore, you pay to buy your vehicle and make sure you get it insured and taxed properly. Older vehicles have a max span of 20 years and thats it in safety. Here we have Post WW2 trucks still running about and I mean those old TATA and Mercedes trucks without doors. 

1) Simple Importation of NEW VEHICLES. No need of the AP Approved Permit stuff. Just pay 400% tax and ensure it's VTAS certified *(TUV or similar) and make darn sure it's EURO5 compliant to save the earth.

2) Single One Driving License. The need for Goods License Permits etc is just pure nonsense and must be done away with. Collect the Tax and ensure the Driver is Certified. Like in Singapore, you need a Class 4 license similar to a Cat C in UK and a +E for articulated or Class 5 for Singapore. Bus Drivers need either Class 4 or 4A + a Vocational License or in UK , just a Cat D will do. ANNUAL MEDICAL CHECKS is a must for over 50s and 3 year once for those under that. A min age of 21 will make more young blood into the Logistic and Transport industry as it pays quite well for a lower educated person.

 3) Stiffer Penalties for violations such as OVERLOADING and SMOKEY TAILPIPES. In Singapore it's $1000 per HSU over 30HSU and a smokey tailpipe sure land u a $20,000 donation to the coffers. Whereas the big trucks may look overloaded , the smaller LGV are the common culprits such as those carrying food and vegetables to markets, palm oil carrying pickups etc. Honestly, I do it too and was nicked once for GVW of 5900kg on a Tata pickup truck. And it's legal MLW is 3000kg.

Why so many red tapes is that so much can be made through corrupt practices. One thing, the Puspakom is a scam when there are just 70 inspection centers against a vehicular population of over 10 million being that there are no scrappage programs. Compared to 9 in Singapore for a small population of less than 300,000 vehicles, there would need to have at least 300 centers or 3 per district where it also functions as an accident damage assessment center. 

Come on.. Please ..make things streamline and do it just ONESTOP, no more CVLB hoops and JPJ hoops. Just Online.

Sunday, January 17, 2021

The bitter pill for Britain

 As much as I am safe and sound in Singapore, Britain was home to me for quite a significant part of my life and its hurts me when I see them dragged to the mud and into the bogs.

These suggestions are the ONLY BITTER PILL I feel that Britain needs to run the course of should they want to be GREAT all over again, every since the BREXIT and it also means you lot must comply and give up a little bit of privacy and legacy for the generations to come.

IMMIGRATION - MASS AMNESTY AND REGISTRATION. - We do not exactly have a good run of how many are there in UK. Every untested and unchecked person is a health risk to the community and way to go is a MASS AMNESTY. Of course, you pay some sort of money , say 500 quid per person to be REGISTERED as a LEGAL RESIDENT of the United Kingdom. It will sure resolve tons of labour shortages as these people will want to work. Call it an Intermediate Green Card. After 5 years of working and contributing, you get to be Naturalised.

MASS REGISTRATION is needed for EVERYONE. Biometrics, DNA etc and Single ID Number not just linked to your DVLA Number or National Insurance Number. Sometimes, it does not tally and link each other. One Number and Photo ID. One Agency for all the Numbering - Department for Immigration and Nationality Records. Numbers could follow many countries ID system such as BIRTHDAY-XX-YYYY like in Malaysia where the XX is where the state/region they were born etc or BIRTHDAY-ABCD for the CHECKSUM such as 20203101ABCD as there are about 1000+ born in UK Daily.

Talking about privacy is that this is to PROTECT YOUR PRIVACY and do not discriminate your gender just showing your birthday. People who scream high and low of privacy are those who wish not to pay taxes and go on the take, and getting paid in cash. One Single Number will simplify the HMCE, JobCenter, DWP, NHS etc so your records are NOT MESSED UP. 

Reason being, if Reshi wants to be like Singapore, some things NEED TO CHANGE. One Identity System is needed. From Company formations, to property tax and licensing and to swift dispersement of services like MEDICAL.

Example. You are drunk on a Saturday night and you pass out. Ambulance picks you up and with your picture, they can already determine if you have allergies, High BP or some medications which , if wrongly administered, can be fatal. I am a Doctor and I almost make this stupid mistakes when I thought is a drunk but is a Diabetic Epileptic Shock.

You go to the Post Office to collect your Dole, and all you need is your ID number or better , just a Facial Scan. It's already available in Facebook for crying out loud that it's quite simple. Tap your Pin and swipe your finger, and it authenticates your ID. Presto, Money comes up!

CHANGE THE DWP SYSTEM. How? The more you work, the more you save up and the more you can have in your old age or when you need it. Singapore's CPF and Malaysian KWSP EPF systems work. By using your own Provident Savings, your load on the NHS reduces too. And if you talk about the bill being super expensive, the Treasury will subsidise 80% of the medical for Hospitalisation and Costs and you pay about a tenner for a trip to the GP. Foreigners and "Extras" on the services like being in the 4 bedder ward or Singletons will cost you more as the subsidies will be far lesser. 

Definitely will make you able to come to any GP that you like, and get treated for a tenner and without a need of a lengthy appointments. Even when you are skint, you can come to a PolyClinic aka Primary Care Center to be treated for a very token fee, or they can send you a bill later.

Singapore's Health Service is partly commercial and owned by the government. If you have insurance, then you can pop to the more lush hospitals if you wish to.

MANDATORY 30 DAY QUARANTINE. That looks easy, but EVERYONE STAYS HOME! If you do not have money for fuel etc, then there is a one off FUEL TOPUP for the 30days worth, say 100 quid and Food Rations to be delivered and One Off Dole Disbursement for all. That means MANDATORY ID again to the point of #1

HIRING OF UNEMPLOYED FOR MASS CONTACT TRACING & TESTING. There are a few million unemployed and I believe the government should just pay them 3000 quid a month, without any tax or deductions plus they are still on the dole for their Volunteer Services. This is a RISK ALLOWANCE. You will need about 400,000 people and draft up the yobbos to do the job, for marshal etc. We do not need to use the ARMY or NHS RESOURCES FOR THIS! Give em a medal after 6 months of service to make them proud of serving the country.

 MASS TESTING. Enough being said above and it's time to get things done. And NOT JUST ONE TIME. 2 x Testing. And after all these done which will be before spring, we can isolate and get things on the way.

MASS VACCINATION is something we do not need to say. Once these people who are cleared, wearing a GREEN TAG will go for inoculation. 

ULTRA HIGH SPEED FIBER AT EVERY HOME & BUILDING. That is key to Singapore success and to hell with Councils and Health and Safety nonsense. Get this done so everyone is on the digital landscape where every home can be a business.

Even in New Zealand, fiber has reached even to the farmers barn and it's a shame with the current state of internet connectivity in UK and where the remote parts of Scotland do not even have proper utilities such as water and electric mains.

BUILD MORE HOMES. We need to make homes super affordable. There are many parks and industrial spaces which could be reallocated to high rise units and when I say high rise, is 40 storey high which in a football field, will yield about 10,000 units. Think of kicking out Tesco or Sainsbury in Whitechapel and replacing with that and still you have your Sainsbury and local there. And connected to the overland train station and Tube.

These units will even give better safety and lessen the parking woes with even bigger green spaces and community use-enabled spaces such as kindergarten, parks, running tracks etc. Imagine running on the high deck in London, 50 floors up. The Pinnacle Duxton is an example. 

These can be completed as early as 3 years using the Pre Fab method. Jobs will be created. And no more GRENFELL as it will be quipped with Fire Hydrants, Sprinkler System, Stop Smoke Lobbies etc.

By reassigning land and repurchasing the old land for high rise, London can be the New Asia of Europe without the fuss of EU telling us what to do.

And for the food shortage, then SELL LOCAL. Buy from Asia.

Wednesday, December 2, 2020

Revolut Metal - is it for me?

 First off, the Metal plan was initially BRILIANT until the MAS laws step in. Paying $240/yr for 1% of cashbacks makes no sense when the concierge is gone and free lounge access is up in the sky, ie NOT FLYING~

Being a business person, I would appreciate having both Visa and Mastercard as an extra perk for the metal holder plus that the limit of having 2 physical cards are a bummer!

Getting customer service is somewhat NON EXISTENT ANYMORE and calling the 800 number won't get you anywhere. They should at least invest in some sort of offline support for PAID MEMBERS who may need emergency services etc, esp when then the app goes south. Emailing them DO NOT WORK!

I AM NOT PAID FOR THIS REVIEW but other than the card looks nice and no withdrawal in Singapore, it devalues the card totally and you have other better free cashback and goodie cards like MCO or sort.

So my rating is now 3.5* or 74% satisfaction.

And if you want one, a normal one for now, you can sign up using my direct link and leave a comment here too.