Day Out - 1 Utama

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My eldest brother called and invited us for a day out with his family in 1 Utama.

While we were there, my niece, little Alia was excited when she saw a row of toys in a bubble-gum-style containers. Without thinking any further she immediately jumped to her father and asked in the cutest way for a Doraemon toy.

Below is the photo story of Alia that I captured. She insists in wanting to do everything on her own. :)

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Paying Zakat Fitrah Online

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For the past few years, I have been paying my yearly Zakat Fitrah using

Although upon hearing paying via online may sound easy and pretty much straight forward, but it can get little bit tricky to find the proper payment option.

Watch the graphical steps after the jump.

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Lisa Adriana at 4 months old

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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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Unleash Your Saving Habit

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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

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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 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.


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

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 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

Best regards,

Yours sincerely,
For Maybank

Masked Name
Service Recovery
Card Member Interaction
Customer Relations

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

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Getting Belkin Wifi Adapter Working on WinXP

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Previously I’ve been using Linksys and Prolink Wifi adapter. I have to say that Linksys did give me weird difficulties and end up not using it at all. On the other hand Prolink has yet to give any significant problems

Recently, I was looking another USB Wifi to be used on new Dell Inspiron desktops. Knowing that Belkin gave a Lifetime Warranty, I decided to give it a try. So there I was, buying 2 units of Belkin model F5D7050 ver. 3000ak and promptly went home to install them on the new PCs.

At the beginning, I thought it would only probably take 15 minutes to get it set and running. To my shock, I ended 3 to 4 hours getting it installed on Windows XP Service Pack 2. The driver came in the CD just won’t work as expected.

I had basically downloaded different version of drivers, mix and match them together to make this adapter working. In this post, I will describe how to download and install my mixed driver and finally followed by activating the Windows Wireless Zero Configuration (WZC).

Belkin Wifi Adapter F5D7050 USB\VID_050D&PID_705A

* Please proceed with own risk. It is not fully tested and may not give the desired result. I bear no responsibilities.

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Finally, it has arrived.

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Whoa, only after 3 months. I’ve finally received my Google Adsense first payment. I bet this duration of time is most common for people who are not from the western countries and putting up Adsense on their website. At least for people in Malaysia.

I’m wondering, can it be any longer?

Adsense Cheque

Anyways, to share the information. Clearing the cheque takes around 6-8 weeks with Maybank and the bank will take as much as RM25 for their processing fee on top of another USD10 deduction for the Less Agents Charges . I did not check and compare with other banks.

Maybank Adsense
Click to enlarge.

KB Chew from Sierra Technology had mentioned to me that Citibank would only charge RM2.00 to clear foreign Cheques.

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Linksys PAP2 Sip Adapter Installation Guide

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I’ve been testing quite a few of SIP adapters and I find that Linksys PAP2 is quite good. When Linksys PAP2 first came out back in 2004, it cost around RM450. However, a quick check at the latest price it’s now cost only RM280 per adaptor.

In this post, I will describe how to first time install the PAP2. Installation includes the assigning of IP address, Subnet, Gateway and eventually accessing the adapter’s Web-based config page. I will also use Windows XP as connecting OS.

Getting the network information.

Get to any working computer that is connected to the internet connection. Click to Start button and select Run.


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Wedding Photos taken at Penang

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My wedding photos were taken in Penang by a bridal shop called Kuang Yee. It was recommended by my mother in law after her God mother’s son had taken at the same shop.

Since my wife and I are staying in KL, therefore we only have the chance to take the photos during weekend. So, we went to Penang on Saturday, took our pictures on the very next day and on the same day we shoot back to KL. The photo shots were done in just a day.

Personally, I think that it isn’t a very good idea to have the wedding photos taken far from where you are staying. It’s just plain hassle to preview the pictures before they are being finalized and printed. That ends up to our pictures and video looked like was being done in a hurry without any fancy requests.

If you are wondering, I had these from Kuang Yee:

  • 15″ Album half design & half full page
  • 12″ Album full design
  • 8 VIP Photo shoot dresses — unlike in KL, at Penang they still have the VIP and Non-VIP dresses
  • 3 Wedding day dresses
  • 2 Table top frames
  • 1 Wall hanged frame
  • Indoor and outdoor photo shoot
  • 30-piece softcopy — practically useless because resized to only 3R printing or for email
  • Car decoration
  • Bouquet and flowers
  • Makeup during wedding day

All that for RM3500. Expensive? Cheap? You decide.

More wedding photos can be seen at

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First Time With AirAsia - Is it really that.. ?

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I’ve been hearing lots of belligerent comments about AirAsia ever since it’s gotten popular. After seeing their darn-low-price advertisements, my wife and I decided to give a try with it.

We bought via internet return tickets to Penang for the Chinese New Year. Getting the flight information online was fairly easy. Everything was just clicks of a mouse. However, I had slight difficulties during the payment.

After agreed to the ‘Terms and Conditions’ at AirAsia online reservation, I had chosen the Debit Payment method. It stated on the payment page that Debit Payment is better and faster to get the tickets compare to credit card payment.

So, I did just that. Login into my online bank, confirm the price and clicked ‘Confirm’. To my surprise, instead of confirming my payment and flight itinerary, it led to an unexpected page – blank white page.


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