Disqus - Latest Comments for quange

Re: Playmesh launches free social iMafia game for iPhone with a twist on virtual goods model

quange — Wed, 25 Feb 2009 21:17:36 -0000

This is a fun game to play.
I write a post about playing it the tycoon way here:

http://kclau.com/website-review/imafia/

Re: The Maxis Broadband Chronicle

quange — Mon, 09 Feb 2009 01:51:10 -0000

The telco that underpromise and overdeliver will win. Most people are
too busy to read the fineprint.

Http://Kclau.com

Re: The Maxis Broadband Chronicle

quange — Sat, 17 Jan 2009 07:09:07 -0000

Thanks.
I'm using DIGI edge connection for Internet now.

The requirement of one year lock in is a ridiculous rule. We might
have no choice and have to comply with any rule imposed. This is what
happens to consumer when competition is not allowed.

Http://Kclau.com

Re: The Maxis Broadband Chronicle

quange — Sat, 17 Jan 2009 03:00:57 -0000

Hi,

I was never told about the "reset" if I convert RM88 to RM110 streamyx combo. I was not given any freebies (no modem, no nothing). So what is the basis of lock in? I was just paying a few ringgit less after conversion. That's the only tiny benefit I got from the conversion.

Anyway, after I filed the complain, Telekom called me and helped to process the termination, without penalty.

Re: The Maxis Broadband Chronicle

quange — Tue, 13 Jan 2009 22:12:19 -0000

Hi,

I have been with DIGI for many years. Their customers service personnels are efficient. Normally it just requires a call to their helpline to get any matter solved.

I went to TM (Telekom) this morning to cancel my Streamyx and phone line. I thought it is just a simple visit to get those things done. But unfortunately, I was not allowed to cancel. If I were to cancel now, I need to pay penalty of RM660!!

2002 - I signed up for RM88/month streamyx 1Mb package, with modem
2003 - I stopped using the modem because a router is more useful (which I bought it myself of course)
2008 May - with the introduction of Streamyx Combo, I switched. So instead of paying RM88+26++ (~RM120), now I pay RM110/month
2009 Jan - I want to cancel my connection because Streamyx connection to certain server and websites sucks!! I have been trying Digi Edge connection with Data sim card in Dec. The speed is 20% of streamyx, but the loading is smooth, and never stuck. It only cost me RM33/month because I enabled data package (RM66/month) for the SIM card I am using on my iPhone. The total is only RM99 and I get to access internet anywhere, anytime.
When I wanted to cancel phone line today, I was not allowed to because the "lock-in" period reset when I switch to Streamyx Combo in May 2008. WTF?? I didn't get a laptop, or modem, or anything .. why am I locked in?? or locked up??

@Yowchuan, I read this post before. So I came here again to get the details of MCMC. A complain will be filed for certain! Thanks!

Re: How Fundsupermart will Revolutionize the Unit Trust Industry in Malaysia

quange — Wed, 17 Dec 2008 10:29:20 -0000

There are a few requirement, which is quite tough to comply
1. have to untie from your previous Unit trust company (meaning resignation)
2. Have to get the CFP or RFP (all modules)
3. Have to get the CMSR license
4. Register with FMUTM as CUTA UTC

regards,
KCLau
http://kclau.com Money Tips
http://music.kclau.com FREE my MUSIC

Re: Great Junior/Income Advantage Series 2 : Whole Life Income Plan

quange — Mon, 08 Dec 2008 09:29:27 -0000

AIA, ING, Allianze and HLA also provide similar products

Http://Kclau.com

Re: Great Junior/Income Advantage Series 2 : Whole Life Income Plan

quange — Mon, 08 Dec 2008 00:15:09 -0000

Hi Sam,
Regarding you question:

1. Min monthly payment is about RM300.. slightly different depends on age
2. If pay RM300/month, the payout is about half of it on the 10th years
onward (about RM1800/year)
3. If you can't afford to pay any premium, you can stop for a while. But the
plan have to be fully paid within the first 10 years. If you not, the
feature won't kick in at the end of the 10th year. If there is some premium
loan, you will need to pay some interest charges on daily basis (7% p.a.)
4. Disadvantage - you need to commit at least 10 years for premium payment
(force saving). It is not very liquid although you can take premium loan.

KC

Re: Resist Free Lunch

quange — Thu, 04 Dec 2008 02:50:16 -0000

It is not wrong to treat it as an extremely high risk investment ..
but don't hurt your friends and family in the process.

Re: A Crisis of Solvency and Liquidity

quange — Thu, 04 Dec 2008 02:24:55 -0000

This is interesting.
Who would you help YowChuan?

Re: 7 Ways to Get Low Airfares & Flights Discount for Malaysians

quange — Tue, 02 Dec 2008 20:50:11 -0000

Yes. Airasia is so good at marketing

Http://Kclau.com

Re: My new book is published!

quange — Fri, 28 Nov 2008 10:48:32 -0000

sure I remember you. How are you doing? Back to your hometown already?Thanks
and keep in touch!

Re: If either one of the joint-account holder dies, who gets the money?

quange — Fri, 28 Nov 2008 00:40:19 -0000

it should be frozen, unless there is the "survivor clause" in the bank's
terms and conditions.

Re: Case Study: Financial Goalds of a Malaysian working in Singapore

quange — Thu, 27 Nov 2008 00:54:16 -0000

Thanks Hubert for your sharing. I couldn't agree more with the idea to get a
HDB as soon as possible.

Re: Great Junior/Income Advantage Series 2 : Whole Life Income Plan

quange — Wed, 26 Nov 2008 07:04:59 -0000

Yes. It used to have advanced premium discount. But this year GE
introduced APA account - advanced premium account. Your advanced
premium will get 4% per annum interest, and being used to pay premium
when it is due.

Http://Kclau.com

Re: My new book is published!

quange — Wed, 26 Nov 2008 06:57:04 -0000

My wife and father also said the same thing :) about the US dollar.
That's something I overlooked.
Thanks!

Http://Kclau.com

Re: My new book is published!

quange — Mon, 24 Nov 2008 16:52:30 -0000

Michelle, thanks for your feedback. Where did you get the book?

Http://Kclau.com

Re: Find out Where All Your Money Goes with Expensr

quange — Sat, 22 Nov 2008 09:16:26 -0000

If you go with Quicken, why not put them all there?

Http://Kclau.com

Re: Buy term and invest the difference

quange — Fri, 21 Nov 2008 21:00:23 -0000

Welcome

Re: My new book is published!

quange — Fri, 21 Nov 2008 20:58:01 -0000

Relax, did they give you discount?

Re: My new book is published!

quange — Fri, 21 Nov 2008 20:23:49 -0000

I only have a few copies left with me now.

Re: My new book is published!

quange — Wed, 19 Nov 2008 21:46:53 -0000

Thanks Relax, I believe you are the first one who actually bought my book, even before I got it myself.

Re: Buy term and invest the difference

quange — Sun, 16 Nov 2008 21:17:56 -0000

When you buy TPD, the policies will give you death benefit as well

Http://Kclau.com

Re: Find your Retirement Number

quange — Fri, 14 Nov 2008 02:50:37 -0000

Thanks Fiona, we shall check it out.

Http://Kclau.com

Re: Maybank2u 2.0 Exclusive Preview

quange — Thu, 13 Nov 2008 03:35:36 -0000

Haha .. Malaysia "boleh"
One thing I need to complain about is there is no way to find more details
about the historical transaction.