Lisa Adriana at 4 months old

One Timer Leave Comment »

Recently my baby daughter starts to recognize familiar faces.

My parents in law came during the weekend and spend a night with us. Whenever they try to carry her, she started to sing a monotone extremely high-pitch tune that I find not too often adorable. I used to remember that her cries were not as loud as they are now.

Here are some random photos of my daughter.

Daddy loves you. –>

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Gnokii with CLI PHP

Linux Server Leave Comment »

I’ve been messing around with Gnokii, an open source program that communicates with mobile phone (mostly Nokia). Upon installing the Gnokii from source, I can fire up SMSD a daemon that listens for incoming messages from the phone and display them on the computer screen or save into a database program such as MySQL.

To make things more exciting, I slightly patch the SMSD source code to process PHP script when a message arrives. You can download my complete patched Gnokii here. First, compile the Gnokii from source. After that change destination into smsd folder and run again the usual configure, make and make install.

Example how to execute SMSD:

# ./smsd -m file -i 5 -a /usr/local/bin/php -e /tmp/test.php

test.php:
print_r($argv);

Format
$argv[0] = PHP_PATH
$argv[1] = PHP_EXEC_FILE
$argv[2] = incoming number
$argv[3] = incoming message

As for the mobile phone, I use Nokia 6070 which being sold at forum.lowyat.net around RM265.

Nokia 6070

Nokia 6070 POP-Port

I also got the CA-42 Nokia cable from Lowyat Plaza for RM35

CA-42 Box

CA-42 USB

The complete Gnokii installation instruction can be found at Gnokii Wiki.

With this successfully installed, I can use the SMS, for example, to check on my server health or other cool stuff.

–>

tagged as

Unleash Your Saving Habit

One Timer Leave Comments »

Like most people, my all time favorite sitcom has always been Friends. I remember vividly in one of the episodes, where Monica just got laid off from her job and has no money left for daily expenditure. She turns to her brother for help and he suggested asking their parents.

To cut long story short, in one of the scene the father said to her, “I always teach my children to keep 10% of their salary aside for saving”.

With the power of Television subliminal effect, that particular statement has stuck in my mind until today. But, the real question is – How do you discipline yourself in keeping ten percent of the salary for saving every month?

The most effective way for me to really keep aside certain portion of my salary is by fully utilize the Internet Banking.

How to get it done?
My monthly salary is credited into the RHB Bank account. And I have the RHB internet banking to conveniently check on my account online. Okay, the first way to start saving is basically transfer the money out from your credited account to some other own account.

For me, I created another RHB Saving Account. This newly created account, however, is not listed in my internet banking. I have to specifically tell RHB people not to link it with my online banking. The reason behind is, the more difficult for me to access that account, the better for the money to stay put.

The next thing is to set scheduled money transfer. I chose to transfer money to my other account on weekly basis with recurring instruction option being enabled. All this can be done within the online banking. I assume most online banking portals have this feature if not one. By transferring the money weekly, I won’t see much money deducted hence lessen the feeling of sudden money cutback in my main account.

Saving Habit

Start with a comfortable amount.
Initially, I only have the capacity to save RM5 per day (RM35 weekly and RM150 monthly) without vigorously affecting my monthly spending lifestyle. While it may sound too little, but that really helped me to jump start a saving tendency. However, it has grown to certain amount today.

There you go. This is how I quietly forced myself to save on monthly or rather weekly basis. The magical about this is that it’s not necessarily that you have to save a big chunk amount daily. Even RM1 would do just fine. Once you are more comfortable with the situation, then maybe you can increase the amount to more contended number.

Also, it may be a good idea to take the saved money on every month and place it into Fixed Deposit or any other financial instruments you feel best. I myself, every once or two-month, will withdraw the saved money and put in ASB which yields a constant return of 8-12% yearly.

To summarize:

  • Create another account within the same bank. Ensure this account is far from your easy reach.
  • Decide how much is comfortable enough to put aside for saving. If not sure, start with RM1.
  • Log into online banking. Schedule an automatically recurring instruction to transfer certain amount to the new account.
  • After certain period of time, take the saved money and invest it to a higher return financial program like FD or UT.

I’ve learned it.

–>

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Go Paperless

One Timer Leave Comment »

When Citibank tell their credit card holders that they can opt to paperless statement and cancel the normal snail-mail statement few years back I immediately sign up for it without any further thoughts. But it pondered my thinking at that time, why had not other issuer banks followed the same attempt.

Little that I know, recently maybank2u.com.my has offered the same wonderful feature in their e-banking portal. Although, users can view the statement online, but we do not have any choice to cancel the paper mailed statement. I’m sure not everyone would want to cancel the paper statement, but an option to not have it delivered in paper form is a better realization of the general idea.

Considering necessary to do so, I email to them at the Contact Us link regarding this matter.

Hi,

I’m pleased to know that maybank2u.com.my is now offering a great feature whereby Maybank Credit Card holders can view their paperless statement via maybank2u.com.my

With this in effect, I’d like to know whether would it be possible for the normal paper mail statement to be discontinued from sending over to my address?

This certainly will help safeguard our environment with less paper being used.

Hope to hear a good reply from you.

Thank you and have a pleasant day ahead.

Kind regards,
Affendy Iskandar Ahmad

Hope someone in maybank2u.com.my would read and reply my email.

UPDATE: A replied email arrived in my Inbox.

Dear En Affendy,

Thank you for your e-mail.

We appreciate your feedback on the paperless should the statement been hold from deliver to customer address. However, we regret as the facilities yet to be available as should we hold your monthly statement, you will not available to view the statement details on-line. At the meantime, we shall forward your feedback to the respective unit for their consideration regard to the matter.

Should we be of any further assistance to you, do feel free to contact our Customer Service Executives at 1-300-88-6688 or 03-7844 3696 (overseas) and fax to 03-79538600 or e-mail to mbbcardservices@maybank.com.my.

Best regards,

Yours sincerely,
For Maybank

Masked Name
Service Recovery
Card Member Interaction
Customer Relations
Cards

Hope they will consider it and put the feature available soon. –>

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