Why You Should Clear Off Your PTPTN Study Loan As Soon As Possible And How To Save RM20k Doing It

by Ah Yen on May 3rd, 2012 | Posted in Money | Tags:

What most graduates do is service their PTPTN loan diligently, paying off the minimum amount every month either from a deduction off their paycheck or by banking in the instalments directly to PTPTN. What they don’t know is that a portion of the payment goes to servicing the interest and the remaining goes towards reducing the principal.

For example, a monthly payment of RM500 would only reduce the principal amount by RM300 with RM200 used to pay off the monthly interest. A whole year’s payment, RM6,000 will only reduce the principal amount by RM3,600 with RM2,400 gone towards servicing the interest. This of course is just an example but let us just use this for now. The actual amount would of course be determined by how much you borrowed from PTPTN in the first place.

Those with cash to spare would consider settling the whole amount upfront and reap a rebate from PTPTN itself but for those who cannot do so, what CAN you do?

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Bersih 3.0 Resistance is Futile

by Ah Yen on April 28th, 2012 | Posted in inspireMe™ | Tags:

Denial is the beginning of acceptance of the hard truth, especially when you have spent so much time convincing yourself of the status quo that you eat, live and breathe. It shows a sign of faith, faith that you have in the existing system, no matter how broken, of something that you hold close to your heart and soul.

You start to vent your anger as you discover the current system is collapsing and all that you have worked for will be in vain. All those years of building and constructing sums to zero as the walls begin to crumble under the very foundation you sold your soul to.

Looking for alternatives, you begin to check for any possible opportunities in the new future.You start to look for ways to preserve your status, your value in the current system but yet you cannot find any.

All hope is lost, you tell yourself. Everyone around you has started to embrace the truth. You begin to lose hope but yet you cannot bring yourself to follow your heart. You start to not care about what happens, falling into a state of depression.

The tides turn and you know you have lost. The walls have come down and all that remains are reminisce of a twisted future. The corrupt system you defended so boldly is no longer there. You curse yourself for not being an early adopter and now you don’t have a choice but to be a laggard.

Examining the pieces of your shattered resolve, you find that deep down inside, the very reason you fought so hard in the first place was for the exact same reason the new adopters are fighting for now.

You remember now that somewhere along the journey you have lost your way, misguided by the very trolls of greed and corruption. All the complications of the system has made you someone you never wanted to be.

Your vision now is clear. You know what you are fighting for.

You always have.

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Making Sense of the PTPTN Interest Conversion (3% to 1% Ujrah)

by Ah Yen on January 28th, 2011 | Posted in Money | Tags:

Sometime in 2008, PTPTN announced that there would be a plan to reduce the interest rate for PTPTN loans from 3% to 1% Ujrah. It was not until late last year (2010) that PTPTN finalized the mechanism for this change. What you had to do was declare your interest by submitting your e-mail and IC number to their website and upon approval an email will be sent to you notifying that there will be an offer letter sent at a later date. Once the offer letter is sent, there will be a period of 90 days to consider if you would want to convert to the new loan scheme so before you sign on that dotted line, make sure you read this post to the end!

Picture of PTPTN homepage banner
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P1 Streamlines 4G Packages, Eliminates Business Unlimited Usage

by Ah Yen on January 10th, 2011 | Posted in Stuf | Tags: , , ,

Celebrate a Stronger, Wider and Faster New Year with P1 4G. 50% Off Your 2nd & 3rd Bill and a FREE 2X SPEED UPGRADE For Pro. Yup that’s what the new promotional banner says. There’s nothing new about the first part with the 50% off the 2nd and 3rd bill but the 2X speed upgrade – now that’s something worth looking into. P1 promises an upgrade to 4.8Mbps from 2.4Mbps for their Pro plan. So what about the Office Premium Package? What Office package? There no longer is an Office package!

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HTC EVO 4G: Successor of the HTC MAX 4G?

by Ah Yen on January 8th, 2011 | Posted in Stuf | Tags: , ,

Back in 2008, HTC announced a model which supports GSM and WiMAX called the HTC MAX 4G. Yes the HTC EVO 4G was not the first 4G phone to hit the market. At that time 4G was still new and the coverage was minimal so this baby was launched in Russia instead. It is pretty obvious that this was where the HTC EVO 4G started off – crude and effective just like the Russian mob (just kidding).

Picture of HTC Max 4G by HTC
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Apple iPad Price in Malaysia: Estimate Accuracy

by Ah Yen on December 21st, 2010 | Posted in Stuf | Tags: ,

It’s been a while since my last post as I’ve been busy working on the eatgod report. The sub-domain was facing some issues so while waiting for Exabytes to solve the issue, I thought I’d whip up something on the ole blog. Since the Apple iPad was FINALLY launched in Malaysia even though the iPad2 is about to be announced in January, lets take a look at how accurate were my price estimates. Read the rest of this entry »

2 Comments » | 118 views

HTC EVO 4G Price in Malaysia – An Estimate

by Ah Yen on July 11th, 2010 | Posted in Stuf | Tags: ,

When the HTC HD2 was first launched in Taiwan on the 4th of November 2009, it took nearly 6 months to reach the United States on March 24th, 2010. Peculiarly it was launched in Malaysia not long after the Taiwan launch and was available nationwide by the end of November 2009. The prices respectively for Taiwan, US and Malaysia were NT29,500, USD450 and RM2899 respectively. Converting the prices to RM we would have RM2939 for the Taiwan version and RM1437 for the US price. So what will the HTC EVO 4G price and will be like in Malaysia? Lets take a look.

picture-of-htc-evo-4g
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4 Comments » | 10,118 views







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