Detariffication in Malaysian Motor Insurance

When liberalisation of car insurance tariffs in Malaysia can help you save more and get better coverage.


The Motor Insurance sector in Malaysia will be shaken up quite a bit in the next few months as Bank Negara Malaysia (BNM) recently confirmed that in its Financial Stability and Payment Systems Report 2015 (released back in March 2016) that motor and fire insurance premiums will soon be based on a list of risk factors and not regulated by current pricing policy

The transition will happen gradually and the first phase just kicked off this month, 1 July 2016. So the insurance industry is allowed offer new products with optional add-on covers and the prices will not be regulated. It will also be determined by the market and will allow insurance providers to ‘open price’ to these products as they see fit.

BNM Diagram 1

In simple words, your premium rates for car insurance will be based on what car you’re driving and your driving experience. If you just got your driving license and you’re driving a BMW, you could have to pay higher premium than the slow-driving Uncle who drives the same model vehicle. So premium prices may vary across different insurance providers.

BNM Diagram 2

This is indeed good news to consumers and car owners. It’s also a good opportunity for insurance providers to push out new products that may benefit certain car owners. In short, it’s a win-win situation for all.

Now the only problem we could be facing as a car owner is the vast option that we will get from all these insurance providers. So how can we get the best and know how to getcover on all these choices?  We’ll find out soon enough I guess.

850 by webe Contest – More Prizes To Be Won

Sick and tired of seeing too many #Webe850 QR code in your Facebook Timeline? Think you’ve seen enough of Webe? Well, think again.

There's more

Because Webe is not stopping with the A-maze-ing Maze and the QR code frenzy. To extend the customer engagement campaign, Webe will be extending their activation campaign on Webe850 app starting from today.

In fact, there will be a few more activation from Webe until the month of June. So don’t slack if you want to win those attractive prizes from Webe.



Here are the next and upcoming activation campaign from Webe:

Challenge 1 : The Amazing Maze

Activation Period 1: 11/05/16 – 16/05/16

At the venue, the Contestant is required to (i) answer 1 quiz and (ii) use the webe 850 app to scan for the correct QR code to stand a chance to enter the maze.

If Contestant fails (i) and (ii), Contestant is not allowed to enter into the maze.

If the Contestant succeed in (i) and (ii), the Contestant will then be allowed to enter the maze. There will be many random QR codes being displayed in the maze. Contestant is required to scan as many QR Codes as possible to stand a chance to collect as many scores as possible and stand a chance to win the Challenge 1 Prizes.

Challenge 1: inside the maze: limited to 500 Contestants per day.

Challenge 2: Lifestyle Treats

Activation Period 2: 18/05/16 – 27/05/16

During Activation Period 2, hints will be given on the merchant store in the webe 850 app. Contestant is required to hunt for the correct merchant to scan the QR code at the said merchant store.

Challenge 2 Prizes is limited to 400 daily winners only at each merchant store on a first come first serve basis.

Challenge 3: Looping QR Hunt

Activation Period 3: 25/05/16 – 31/05/16

During Activation Period 3, we will inform you of the venue and relevant information in the webe 850 app.

Contestant is required to go to the venue to look for the randomised running QR code on digital screens and also on webe’s digital kiosk which may be available at the venue. Contestant must use the webe 850 app to scan the QR codes to stand a chance to win scores and Challenge 3 Prizes.

Challenge 4: TGV Activation

Activation Period 4: 18/06/16 (1 day only)

During Activation Period 4, Contestant is required to go to the 5 selected TGV cinemas. You will find the information in webe 850 mobile app.

Contestant is required to go to the correct TGV Cinema to scan the static QR code to stand a chance to win Challenge 3 Prize, which is, a ticket to watch a movie we selected on that day itself.

Challenge 4 Prize is limited to 10,445 Contestants only on a first come to first serve basis.

Lucky Draw

There will be three lucky draws during the Contest Period. During the Contest Period, Contestant should try to play “Today’s Quiz” appearing in the webe 850 app every day to stand a chance to enter the lucky draws to win Lucky Draw Prizes. 1 quiz per day only.

Scores collected during the Contest Period and will be accumulated. The highest scores will win Grand Prizes

Just In Case

If you’re new to  this #webe850 frenzy and wanted to know more, head on over to their website here and download the 850 by Webe app.

Once you’ve installed your #webe850 app, don’t forget to scan more QR code :)


Webe QR Maze and Webe850 App

So if you’ve been wondering what’s with all the #Webe850 QR Code flooding your social media timeline lately, well that’s because the latest telco in town, Webe (previously P1) is having a massive digital treasure hunt.

webe850 #webe850 webe 850 by webe QR code

Using the Webe850 iOs and Android App, user can play answer trivias, play games and scan webe QR codes to collect points. Top 100 users will win prizes with the latest Samsung Galaxy Edge 7 for the taking. However, the Grand Prize to Belize for 4 person is so much more interesting.

Webe also kicked start their first customer engagement campaign with a ‘digitally empowered’ maze in Sunway Pyramid.

webe_02 webe_03 webe_04

The maze is currently based at the Blue Concourse and it is open to the public from 11 May to 16 May 2016. It’s designed to engage the general public using their Webe 850 app that allows customers to pick up bonuses for every QR code they find and scan within the maze.

Webe promised a total RM6 million worth of prizes up for grabs on the Webe850 campaign. To find out more, head over to their microsite and facebook page.

Oh yah, here’s my code. Let’s scan and collect 500 points.

webe850 #webe850 webe 850 by webe QR code

Images source: Sunway Pyramid FB

P1 Is Now Webe, Webe Community and More

Webe CEO CC Puan

In a closed and colourful event launch today, P1 revealed its new branding, Webe. Webe is unlike other telcos. According to CEO CC Puan, Webe is not about more data or faster speed. It’s about the people and the community. (Whatever that means?)

Well, to be honest, it quite simple actually. Webe is a new telco that will build its brand by empowering people and the community. While other telcos are concentrating more on their products and services, like having bigger coverage and offering higher and faster data, Webe is concentrating on its customers and the community.

That’s where Webe Community comes along. You can find out more about Webe Community here.

Webe Community at Heart

Webe Community is currently backing 7 Projects.

Speculation about Webe came about the sociam media realm a week ago revealing P1 as the new telco offering interesting plans. However, what has been revealed earlier was later on clarified by the Webe team as an unconfirmed source and the plans are non-existence, or at least not for customers.

CC Puan also made it very clear that they’re not launching their telco service yet but very soon.

To be honest, I was dissappointed at first but now I’m rather excited to see what and how Webe will changing the telco industry.

I can’t wait to hear more from them soon.

The Complete 2014 FIFA World Cup Brazil Schedule – Download Excel Template

2014 FIFA World Cup Brazil Schedule

2014 FIFA World Cup Brazil™ is just around the corner so you’re probably looking for the complete schedule with your local time. Well the good news is, the schedule is out and you can find it in a FREE Excel spreadsheet form, where all games of the upcoming tournament are scheduled in a comfortable way, so that you can follow the development and flow of the tournament. So here is the complete 2014 World Cup schedule in excel template for you to download. The calendar also includes 60 languages and a wide list of various time zones.



[ Source: EXCELY.COM ]

How Secure Is Your Password?


If you think your password is secure enough, think again. That one common problem that most of us are facing today is that we have way too many internet accounts which require way too many password variations to remember. While some logins only require a 6-digit numeric password, others can be way too complex with case-sensitive alphanumeric characters.

Many of us often have the habit of using something dear or close to our heart as password and many of these passwords are often our birth date, mobile phone numbers, ID numbers and our previously owned car plate numbers. This is rather alarming and something we often ignore – when something is most dear to us, is often that something can be used against us.

8 Character PasswordHere’s an example of how fast it is to crack an eight character password.

I know some friends of mine who have a set of fixed passwords for their frequently used accounts, and I have to admit that I too share the same habit of recycling some old passwords for different accounts. While your passwords are somewhat safe with you, a simple password cracking PC software can easily crack your password and access your account faster than you can say ‘Oh my gosh, my account have been hacked!’.

How Secure Is My Password?

So, if you really want to keep your Internet and web accounts safe, try using something you’re less familiar with. Sure, remembering your password would be a hell but it sure is better than having some stranger going through your personal accounts and documents without your knowledge. So once you’ve got a preferred password in mind, do a quick cross-checking with just to see how secure your password is. Most likely, your password choice can be cracked with a desktop PC is less than 10 minutes. So pick one which will take novemdecillion years to do so!


Protecting Multiple Devices in a Single Solution with Norton 360 Multi-Device

norton-360-multi-device (1)

Many urbanites are carrying more than one connected device and it’s rather alarming that many is taking for granted that threats to their privacy and personal life could be just a click away. As the world increasingly becomes a ‘multi-device personality’, the cyber threats out there increases as well. There is not a single-unit device that will be able to encompass all our smartphones, tablets and computers features into one, but there is a single solution to protect all our devices.

The latest Norton 360 Multi-Device from Norton by Symantec protects us from evolving threats in our daily online lives. The latest version improves on the industry’s leading protection and performance, and is designed for compatibility with the new features of Windows 8.1. The Norton 360 Multi-Device comes in the form of a single license to protect up to five different devices.

According to the 2013 Symantec Internet Security Threat Report, Web attacks increased 30 percent in 2012, driven by the easy availability of malware toolkits and the high frequency of unpatched vulnerabilities on websites. We are exposed to cyber threats even when visiting a legitimate website, putting our devices and personal information at risk. Norton 360 Multi-Device actively protects your devices from online threats, without impacting speed and performance.


The Norton 360 Multi-Device product’s five patented layers of protection provide comprehensive security, improved performance and ease of usability. The key features include:

  • Multi-Device Protection – The Norton 360 Multi-Device software gives protection to all devices – PCs, Mac, iPhones, iPads, Android smartphones and tablets.
  • SONAR Behavioural Protection – SONAR detects the signs that a file is dangerous to proactively protect you from never-before-seen threats. It helps with the removal and cleanup of malware attempts by saving the evidence of the attack for later use by Norton’s repair technologies. This remediation helps to ensure that all traces of a malware attack are removed and a system is returned to its original state.
  • Internet Protection System – This feature actively protects your devices from online threats. The system scours websites and social networking sites for suspicious links and content to identify the latest social networking scams.
  • Parental Control – This feature helps you protect your kids from online dangers by giving you direct access to Norton Family. Norton Family is a web-based service that helps connect parents to their children’s online lives and start a dialogue about appropriate online habits.
  • Faster performance – Based on recent testing, compared with last year’s releases, Norton products have improved boot time by 15 percent, install speed by 10 percent and memory usage during scan by 100MBs, resulting in the fastest and lightest performance yet. (Source: PassMark, August 2013)
  • Locate missing phones/tablets – The Scream Alarm feature alerts you to the location of a misplaced mobile device, and the Remote Locate feature pinpoints your lost or stolen device on a map.
  • Enhanced Norton Identity Safe Norton Identity Safe remembers, secures and automatically enters your usernames and passwords for you, so they can’t be lost or stolen. The latest release offers enhanced password management tool, including improved form filling, with drag-and-drop functionality and full vault searches available directly from the toolbar to help manage passwords even more securely and conveniently.



The latest version of Norton 360 Multi-Device, is now available for purchase in Malaysia through various retailers and online at The MSRP for Norton 360 Multi-Device is MYR 189.00, which provides one year of protection for up to three devices.



Symantec: Top 5 Social Media Attacks in 2013

Be street smart on social media with Norton by Symantec


While social networks play an important part in my life, it could also potentially destroy my life. Today, there are hundreds of social networking sites that connect us in ways that were never even thought of a decade ago. While social networks are a great way to keep in touch with friends and family, they can also be used against us. By being just a little conscious of what personal information gets out to other people can be very instrumental in keeping our important information safe and private, where it belongs.

As we welcome 2014, learn how to stay vigilant and protect yourself on social networks. Knowing the common social media attacks will help us to know what to look out for. The following are the Top 5 Social Media Attacks in 2013 and a description of what they are.

Top 5 Social Media Attacks, 2013 (Source: Symantec)

Fake Offering.
These scams invite social network users to join a fake event or group with
incentives such as free gift cards. Joining often requires the user to share credentials with
the attacker or send a text to a premium rate number.

Fake Plug-in Scams.
Users are tricked into downloading fake browser extensions on their machines. Rogue browser extensions can pose like legitimate extensions but when installed can steal sensitive information from the infected machine.

Using fake “Like” buttons, attackers trick users into clicking website buttons that install malware and may post updates on a user’s newsfeed, spreading the attack.

Fake Apps.
Applications provided by attackers that appear to be legitimate apps; however, they contain a malicious payload. The attackers often take legitimate apps, bundle malware with them, and then re-release it as a free version of the app.

Manual Sharing Scams.
These rely on victims to actually do the hard work of sharing the scam by presenting them with intriguing videos, fake offers or messages that they share with their friends.


Protect yourself from social media traps with these simple steps
Here are a few simple tips you can follow to protect yourself on social networks:

  • Be Discrete: Be careful of what you post in your profile page, a forum, instant message, or any form of electronic communication to help thwart possible ID theft of other forms of malicious threats. Stuff like personal and business names, addresses, phone numbers, birth dates etc. are potentially dangerous to have fully exposed. Be more general in your posts/information making it harder for someone to potentially use the information against you.
  • Skepticism is your friend: While social network sites have tons of useful and useless information, it is important that you keep a high level of skepticism. People often lie for their own gain, or just spout rubbish out of ignorance.
  • Think Before You Speak You Mind: Although the internet does provide a small level of anonymity things can sometimes come back and bite you in the rear. This includes anything from obscenity, insults, or wild statements. Be chill, be professional. Simply put, think before you type.
  • Professionalism is your friend: Everything you put online including the photos, videos and status updates are there for the world to see. Only post information that you don’t mind people knowing. Besides cyber thieves, often university admissions teams and potentials employers will look at your social networking profile to find out more about you. So be sensible and professional.
  • Be Vigilant: Well ever think if that person you’re talking to is who they say they are? People aren’t always who they say they are. And until you can somehow verify the information they give you, never reveal any personal, financial, or business information.
  • Check Your Privacy Settings: Social networks have sometimes been notorious for allowing others to see your information, even if they are not your “friend”. However, they will also have available their privacy guidelines/rules. Review the privacy settings and restrict the access to your personal information.
  • Beware of fake invitations: Beware of fake invitations on social media. Do not accept invitations to events with incentives such as free gifts on social networks. Joining usually requires personal and credit information, which could open you up to fraud or attacks.


[Photo source:]

EPSON Digital Garment Printers at Large


EPSON, our household name for digital imaging and printing for as long as I can remember, is now entering into the realm of fashion and textile printing industry with the launch of three F-Series large format printers. EPSON Malaysia recently introduces two rolled-fed dye sublimation fabric printers – a 44-inch SureColor™ SC-F6070 and a 64-inch SureColor™ SC-F7070, as well as the SureColor™ SC-F2000 series, its first direct-to-garment printers.

64-inch SureColor SC-F7070 44-inch SureColor SC-F6070

The new SureColor™ SC-F6070/7070 printers are not only the first dye-sublimation models from Epson, but also the first in the market which every component – from ink and print-head to printer chassis and bulk in delivery system – is designed and manufactured by a single company. Although it’s still a print transfer technology, however the result is a higher in performance and specifically designed for exceptional reliability and industrial-level production with high quality output up to 1,440 x 720 dpi on all leading transfer paper.

SureColor SC-F2000 - Print on Black

Also setting new benchmarks in digital t-shirt printing is the SureColor™ SC-F2000 – It is wholly designed and manufactured by Epson’s proprietary technology, and is designed specifically for high performance direct-to-garment imaging. It produces outstanding print quality, yet with low maintenance and running costs. It enables businesses to offer a new t-shirt design and print service with a faster return-on-investment (ROI).

While it may sound rather fascinating and exciting, these printers do come with heavy price tags. The SureColor™ SC-F6070/7070 printers are retailing at RM26,188 and RM71,500 respectively and the SureColor™ SC-F2000 is also retailing at RM71,500.

Although these printers are targeted towards SME and home-based businesses, Epson is aware that these heavy price tags may turn away many potential clients. For that, they engage in partnership and help these businesses grow together. If you’re interested in getting into the garment printing business, you can always give them a call or visit their official website at

Electri-Fry Your Palate With The Newest Tefal ActiFry FZ7072


Cooking is not exactly my strongest trait, although I cook occasionally at home but I’m no MasterChef yet. Cooking is fun, especially when you get to cook your favourite food and snacks. The simplest method of cooking is to fry everything and most of the time the food taste really good. Some people said that the tastiest food is the most sinful food, I couldn’t agree more.

Fried food and snacks are the easiest and quickest way to prepare a meal. Be it fried egg or French fries, fried food can easily lead to other bad health and coronary disease.  So it’s very important to eat right and cook right. Tefal, the world’s leading cookware and home appliances maker recently introduces its newest invention that makes modern days cooking much healthier and practical.

(L-R) Dino Goh, Kelvin Mow, & Chef Anis Nabilah giving thumbs up to the Tefal ActiFry

(L-R) AFC Nutritionist, Dino Goh, Kelvin Mow, MD of Groupe SEB & AFC Celebrity Chef Anis Nabilah giving the thumbs up to the Tefal ActiFry

That piece of cooking technology is the Tefal ActiFry FZ7072 electrical cooker. This highly-acclaimed appliance from France is the No. 1 cooker in Europe and Canada, and is said to provide a healthy and more convenient way to cook, giving tasty results, while preserving the nutrients inside the food. Now I have seen it in action and I’ve tried the food. Now I can’t tell how much nutrients are being preserved, but I’m pretty sure that the food that Chef Anis dished out was pretty good.

(L-R) Dino Goh & Chef Anis Nabilah tasting the food cooked by Tefals ActiFryCooking demonstration by AFC Nutritionist Dino Goh & AFC Celebrity Chef Anis Nabilah tasting the food cooked with Tefal ActiFry FZ7072

Just like the Phillips Air Fryer, Tefal ActiFry FZ7072 too uses hot air to cook the food evenly inside. Its pulsed hot air circulation system that produces an even hot air flow while cooking, enhances the taste of food, and preserves the vitamins and nutritional value, without drying out the natural flavour of the food.


Unlike conventional frying methods, the Tefal ActiFry FZ7072 is a natural and healthy solution for wholesome cooking as it uses lesser amount of cooking oil. The cooker comes with an ingenious ActiFry measurement spoon (14ml) that allows users to control the quantity of oil used in the cooking. Minimal oil is required as a spoonful of oil is enough to cook one kilogram of fresh French fries resulting in only 3% of fat. So this is how you can really enjoy guilt-free sinful fried snacks every now and then.

In addition to Tefal’s patented cutting –edge technology, the cook comes with an automatic stirring paddle for optimal dispense of oil and consistent cooking rotation enabling 100% hands-free cooking. The inner pot is made out of non-stick ceramic coating which allows the food ingredients to mix easily without getting stuck to the pot.

The cooker also comes with a snacking rack that helps to scoop the food out, and enables excess oil to drain off easily before serving. The cooker has a built-in 60-minute digital timer that beeps at the end of the cooking to let you know when the food is ready and to prevent the food from overcooking and burning. Furthermore, the transparent lid allows easy monitoring of the cooking process and all parts are removable and dishwasher safe. This will make it so much easier for most men who hate cleaning up after cooking up storm in the kitchen.

So if you’re ready to stick to good eating habits and a healthier lifestyle, perhaps it’s time for you to consider the Tefal ActiFry FZ7072. There’s nothing more important than enjoying your life to the fullest with all the great tasting food you can eat. But do it smart with Tefal ActiFry for a change.


The Tefal ActiFry FZ7072 is now available in main departmental stores and electrical specialists at the retail price of RM999. For more information on Tefal ActiFry, please visit


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